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Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. Pioneer Credit's Total Liabilities for the quarter that ended in Dec. 2025 was €184.91 Mil. Pioneer Credit's Total Assets for the quarter that ended in Dec. 2025 was €224.99 Mil.
Therefore, Pioneer Credit's Liabilities-to-Assets Ratio for the quarter that ended in Dec. 2025 was 0.82.
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
Pioneer Credit Liabilities-to-Assets Related Terms
Pioneer Credit Liabilities-to-Assets Historical Data
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The historical data trend for Pioneer Credit's Liabilities-to-Assets can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FRA:0PI vs V, MA, AXP: Liabilities-to-Assets Comparison
For the Credit Services subindustry, Pioneer Credit's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Pioneer Credit Liabilities-to-Assets vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pioneer Credit's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where Pioneer Credit's Liabilities-to-Assets falls into.
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
Pioneer Credit's Liabilities-to-Assets Ratio for the fiscal year that ended in Jun. 2025 is calculated as:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Pioneer Credit (FRA:0PI) has a Liabilities-to-Assets of 0.82 as of Dec. 2025. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Pioneer Credit and its competitors.
Is Pioneer Credit's Liabilities-to-Assets too high?
Pioneer Credit's current Liabilities-to-Assets is 0.82. Overall, Pioneer Credit has a GF Score™ of 53/100, reflecting its overall financial health beyond just this single metric.
How does Pioneer Credit's Liabilities-to-Assets compare to V and MA?
Pioneer Credit's Liabilities-to-Assets of 0.82 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Liabilities-to-Assets for a Credit Services company?
A good Liabilities-to-Assets depends on the Credit Services industry context. However, Liabilities-to-Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Pioneer Credit and its competitors. Pioneer Credit's current Liabilities-to-Assets is 0.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pioneer Credit stock overvalued right now?
Pioneer Credit (FRA:0PI) has a current Liabilities-to-Assets of 0.82. The stock's GF Value™ is €0.32, compared to a current price of €0.39 — trading 20.9% above its estimated fair value. The current Liabilities-to-Assets is 0.82. Pioneer Credit's overall GF Score™ is 53/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For Pioneer Credit (FRA:0PI), the current Liabilities-to-Assets is 0.82 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Pioneer Credit (FRA:0PI) Overvalued in 2026?
Based on GuruFocus' analysis, Pioneer Credit stock appears to be overvalued.
The current stock price of €0.39 is trading 20.9% above its estimated GF Value™ of €0.32.
Key valuation signals for FRA:0PI:
Liabilities-to-Assets: 0.82
GF Value™: €0.32 vs. price of €0.39 (20.9% above fair value)
No single metric tells the full story. See the FRA:0PI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Pioneer Credit Ltd provides financial services in Australia. Its primary business involves the acquisition and servicing of Purchased Debt Portfolios (PDPs). The company has launched its app, called Pioneer Path, which is a personal finance and budget management app that helps customers spend less, save more, and reduce debt.
53GF Score
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Liabilities-to-Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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