Pioneer Credit (FRA:0PI) LT-Debt-to-Total-Asset: 0.75 (As of Dec. 2025)

What is Pioneer Credit LT-Debt-to-Total-Asset?

Pioneer Credit FRA:0PI +2.23% 33 LT-Debt-to-Total-Asset is 0.75 as of Dec. 2025. GuruFocus rates FRA:0PI with a GF Score™ of 33/100 and a GF Value™ of €0.31 (Modestly Overvalued). The stock has 10 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Pioneer Credit's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.75.

Pioneer Credit's long-term debt to total assets ratio declined from Dec. 2024 (0.76) to Dec. 2025 (0.75). It may suggest that Pioneer Credit is progressively becoming less dependent on debt to grow their business.

Pioneer Credit (FRA:0PI) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Pioneer Credit LT-Debt-to-Total-Asset Related Terms

Pioneer Credit LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Pioneer Credit's LT-Debt-to-Total-Asset 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.

Pioneer Credit LT-Debt-to-Total-Asset Chart

Pioneer Credit Annual Data

Trend

Jun16

Jun17

Jun18

Jun19

Jun20

Jun21

Jun22

Jun23

Jun24

Jun25

LT-Debt-to-Total-Asset

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0.76

0.88

0.97

0.19

0.75

Pioneer Credit Semi-Annual Data
	Jun16	Dec16	Jun17	Dec17	Jun18	Dec18	Jun19	Dec19	Jun20	Dec20	Jun21	Dec21	Jun22	Dec22	Jun23	Dec23	Jun24	Dec24	Jun25	Dec25
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.76	0.19	0.76	0.75	0.75

33GF Score

Pioneer Credit Ltd FRA:0PI

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

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Pioneer Credit LT-Debt-to-Total-Asset Calculation

Pioneer Credit's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Jun. 2025 is calculated as

LT Debt to Total Assets (A: Jun. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Jun. 2025 )	/	Total Assets (A: Jun. 2025 )
	=	164.969	/	219.338
	=	0.75

Pioneer Credit's Long-Term Debt to Total Asset Ratio for the quarter that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (Q: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (Q: Dec. 2025 )	/	Total Assets (Q: Dec. 2025 )
	=	168.634	/	224.994
	=	0.75

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.75 mean?

Pioneer Credit (FRA:0PI) has a LT-Debt-to-Total-Asset of 0.75 as of Dec. 2025. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Pioneer Credit and its competitors.

Is Pioneer Credit's LT-Debt-to-Total-Asset too high?

Pioneer Credit's current LT-Debt-to-Total-Asset is 0.75. Overall, Pioneer Credit has a GF Score™ of 33/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Pioneer Credit's LT-Debt-to-Total-Asset compare to V and MA?

Pioneer Credit's LT-Debt-to-Total-Asset of 0.75 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 LT-Debt-to-Total-Asset for a Credit Services company?

A good LT-Debt-to-Total-Asset depends on the Credit Services industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Pioneer Credit and its competitors. Pioneer Credit's current LT-Debt-to-Total-Asset is 0.75. 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?

Based on GuruFocus' analysis, Pioneer Credit (FRA:0PI) is currently considered Modestly Overvalued. The stock's GF Value™ is €0.31, compared to a current price of €0.40 — trading 27.4% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.75. Pioneer Credit's overall GF Score™ is 33/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Pioneer Credit (FRA:0PI), the current LT-Debt-to-Total-Asset is 0.75 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 €0.40 is trading 27.4% above its estimated GF Value™ of €0.31. GuruFocus considers Pioneer Credit to be Modestly Overvalued.

Key valuation signals for FRA:0PI:

LT-Debt-to-Total-Asset: 0.75
GF Value™: €0.31 vs. price of €0.40 (27.4% above fair value)
GF Score™: 33/100 with 10 warning signs

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 Business Description

Industry Financial Services Credit Services

Comparable Companies ASX:HMY ASX:PLT ASX:MME ASX:FSA ASX:WZR ASX:EPY ASX:BTN ASX:HUM ASX:SVR V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI NSE:CHOLAFIN

Other Exchanges PNC:Australia

Address No. 108 St. Georges Terrace, Level 6, Perth, WA, AUS, 6000

Website https://www.pioneercredit.com.au

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.

33GF Score

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.40

Price

€0.31

GF Value

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