Pioneer CreditASX:PNC 53 Median PS Value is A$0.48 as of Jun. 27, 2026, which is 100% below its 10-year median of 1.00. GuruFocus rates ASX:PNC with a GF Score™ of 53/100 and a GF Value™ of A$0.53 (Modestly Overvalued). The stock has 10 warning signs investors should review. Among 288 Credit Services companies, Pioneer Credit ranks worse than 76.74% on this metric.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
Median PS Value is calculated as trailing twelve months (TTM) Revenue per Share times 10-Year median PS Ratio. Pioneer Credit's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was A$0.487. Pioneer Credit's 10-Year median PS Ratio is 0.9856. Therefore, the Median PS Value for today is A$0.48.
As of today (2026-06-27), Pioneer Credit's share price is A$0.685. Pioneer Credit's Median PS Value is A$0.48. Therefore, Pioneer Credit's Price to Median PS Value for today is 1.43.
The historical rank and industry rank for Pioneer Credit's Median PS Value or its related term are showing as below:
ASX:PNC'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.96 Med: 1 Max: 1.46
Current: 1.43
During the past 12 years, the highest Price to Median PS Value of Pioneer Credit was 1.46. The lowest was 0.96. And the median was 1.00.
ASX:PNC's Price-to-Median-PS-Value is ranked worse than 76.74% of 288
companies
in the Credit Services industry
Industry Median: 0.9
vs ASX:PNC: 1.43
Pioneer Credit (ASX:PNC) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Pioneer Credit's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
0.685
/
0.48
=
1.43
* 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 Median PS Value Related Terms
Pioneer Credit Median PS Value Historical Data
* Premium members only.
The historical data trend for Pioneer Credit's Median PS Value 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.
For the Credit Services subindustry, Pioneer Credit's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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 Price-to-Median-PS-Value vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pioneer Credit's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Pioneer Credit's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 0.9856.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Pioneer Credit's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was A$0.487.
* 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 (ASX:PNC) has a Median PS Value of A$0.48 as of Jun. 27, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Pioneer Credit and its competitors. This is 52% below median its historical median of 1.00. Over the past decade, Pioneer Credit's Median PS Value has ranged from 0.96 to 1.46. According to the industry distribution chart, Pioneer Credit ranks #221 out of 288 companies in the Credit Services industry, placing it in the top 76.7%.
Is Pioneer Credit's Median PS Value too high?
Pioneer Credit's current Median PS Value of A$0.48 is 52% below median its 10-year median of 1.00. Over the past 10 years, this metric has ranged from a low of 0.96 to a high of 1.46. Based on the distribution chart, Pioneer Credit ranks #221 out of 288 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Pioneer Credit has a GF Score™ of 53/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pioneer Credit's Median PS Value compare to V and MA?
According to the Credit Services industry distribution chart, Pioneer Credit ranks #221 out of 288 companies for Median PS Value. This places Pioneer Credit in the lower half of its industry. The industry median Median PS Value is 0.90. Historically, Pioneer Credit's own Median PS Value has ranged from 0.96 to 1.46 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Median PS Value for a Credit Services company?
The median Median PS Value among Credit Services companies is 0.90, based on 288 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Pioneer Credit and its competitors. For the Credit Services industry, the median Median PS Value is 0.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Credit's current Median PS Value is A$0.48, which is 52% below median its own 10-year median of 1.00. 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 (ASX:PNC) is currently considered Modestly Overvalued. The stock's GF Value™ is A$0.53, compared to a current price of A$0.69 — trading 29.2% above its estimated fair value. The current Median PS Value is A$0.48, which is 52% below median its 10-year median of 1.00. Pioneer Credit's overall GF Score™ is 53/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Pioneer Credit (ASX:PNC), the current Median PS Value is A$0.48 as of Jun. 27, 2026. 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 (ASX:PNC) Overvalued in 2026?
Based on GuruFocus' analysis, Pioneer Credit stock appears to be overvalued.
The current stock price of A$0.69 is trading 29.2% above its estimated GF Value™ of A$0.53.
GuruFocus considers Pioneer Credit to be Modestly Overvalued.
Key valuation signals for ASX:PNC:
Median PS Value: A$0.48 (52% below median its 10-year median of 1.00)
GF Value™: A$0.53 vs. price of A$0.69 (29.2% above fair value)
No single metric tells the full story. See the ASX:PNC 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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