Pioneer CreditASX:PNC 53 OCF Margin % is -109.79% 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 531 Credit Services companies, Pioneer Credit ranks worse than 56.69% on this metric.
The historical rank and industry rank for Pioneer Credit's OCF Margin % or its related term are showing as below:
ASX:PNC'
s OCF Margin % Range Over the Past 10 Years
Min: -87.14 Med: 32.36 Max: 107.77
Current: -2.35
During the past 12 years, the highest OCF Margin % of Pioneer Credit was 107.77%. The lowest was -87.14%. And the median was 32.36%.
ASX:PNC's OCF Margin % is ranked worse than 56.69% of 531
companies
in the Credit Services industry
Industry Median: 2.55
vs ASX:PNC: -2.35
Pioneer Credit OCF Margin % Related Terms
Pioneer Credit OCF Margin % Historical Data
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The historical data trend for Pioneer Credit's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pioneer Credit's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Pioneer Credit's OCF 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 OCF Margin % of -109.79% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Pioneer Credit and its competitors. According to the industry distribution chart, Pioneer Credit ranks #301 out of 531 companies in the Credit Services industry, placing it in the top 56.7%.
Is Pioneer Credit's OCF Margin % too high?
Pioneer Credit's current OCF Margin % is -109.79%. Based on the distribution chart, Pioneer Credit ranks #301 out of 531 companies in the Credit Services industry, which is below 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 OCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Pioneer Credit ranks #301 out of 531 companies for OCF Margin %. This places Pioneer Credit in the lower half of its industry. The industry median OCF Margin % is 2.55. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Credit Services company?
The median OCF Margin % among Credit Services companies is 2.55, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Pioneer Credit and its competitors. For the Credit Services industry, the median OCF Margin % is 2.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Credit's current OCF Margin % is -109.79%. 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 OCF Margin % is -109.79%. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Pioneer Credit (ASX:PNC), the current OCF Margin % is -109.79% 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:
OCF Margin %: -109.79%
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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