Pioneer CreditASX:PNC 53 Net Margin % is -1,633.87% as of Dec. 2025. 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 534 Credit Services companies, Pioneer Credit ranks better than 57.12% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Pioneer Credit's Net Income for the
six
months ended in Dec. 2025 was A$10.18 Mil. Pioneer Credit's Revenue for the
six
months ended in Dec. 2025 was A$-0.62 Mil. Therefore, Pioneer Credit's net margin for the quarter that ended in Dec. 2025 was -1,633.87%.
The historical rank and industry rank for Pioneer Credit's Net Margin % or its related term are showing as below:
ASX:PNC'
s Net Margin % Range Over the Past 10 Years
Min: -74.5 Med: 3.16 Max: 21.82
Current: 17.09
ASX:PNC's Net Margin % is ranked better than 57.12% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs ASX:PNC: 17.09
Pioneer Credit (ASX:PNC) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Pioneer Credit Net Margin % Related Terms
Pioneer Credit Net Margin % Historical Data
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The historical data trend for Pioneer Credit's Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pioneer Credit's Net Margin % distribution charts can be found below:
* The bar in red indicates where Pioneer Credit's Net Margin % falls into.
* 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 Net Margin % of -1,633.87% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Pioneer Credit and its competitors. According to the industry distribution chart, Pioneer Credit ranks #229 out of 534 companies in the Credit Services industry, placing it in the top 42.9%.
Is Pioneer Credit's Net Margin % too high?
Pioneer Credit's current Net Margin % is -1,633.87%. Based on the distribution chart, Pioneer Credit ranks #229 out of 534 companies in the Credit Services industry, which is above the industry midpoint. 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 Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Pioneer Credit ranks #229 out of 534 companies for Net Margin %. This puts Pioneer Credit in the upper half of its industry. The industry median Net Margin % is 14.52. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.52, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Pioneer Credit and its competitors. For the Credit Services industry, the median Net Margin % is 14.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Credit's current Net Margin % is -1,633.87%. 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 Net Margin % is -1,633.87%. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Pioneer Credit (ASX:PNC), the current Net Margin % is -1,633.87% 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 (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:
Net Margin %: -1,633.87%
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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