Pioneer CreditASX:PNC 53 Operating Margin % is 4,013.48% as of Dec. 2025, which is 16018% above its 10-year median of 24.90. 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 412 Credit Services companies, Pioneer Credit ranks better than 79.85% on this metric.
Just like Gross Margin %, it is important to see a company maintains its operating margin over time. Among the same industry, a company with higher operating margin is more efficient in its operation. It is also more stable during industry slowdown or recessions. Peter Lynch prefers those with higher margins than those with lower margins.
Be Aware
Operating Margin % can be manipulated by adjusting the rate of depreciation, depletion and amortization (DDA).
If a company is facing competition, its Operating Margin % may decline. Often the Operating Margin % declines well before the company's Revenue or even profit decline. Therefore, Operating Margin % is a very important indicator of whether the company is facing problems.
For instance, by 2012, Nokia (NOK)'s problems were well known and its stock had lost more than 90% of its market value since 2007. But Nokias Operating Margin % had already been in decline since 2002, although its Earnings per Share (Diluted) were still rising. Investors who paid attention to Operating Margin % would have avoided this huge loss. The same can be said for Research-in-Motion (RIMM).
Therefore, Operating Margin % is a very important screening filter for GuruFocus. GuruFocus's Buffett-Munger screener requires that the profit margin is either consistent or expanding. The Model Portfolio of the Buffett-Munger screener has outperformed the market every year since inception in 2009.
Pioneer Credit Operating Margin % Related Terms
Pioneer Credit Operating Margin % Historical Data
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The historical data trend for Pioneer Credit's Operating 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.
ASX:PNC vs V, MA, AXP: Operating Margin % Comparison
For the Credit Services subindustry, Pioneer Credit's Operating Margin %, along with its competitors' market caps and Operating 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 Operating Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pioneer Credit's Operating Margin % distribution charts can be found below:
* The bar in red indicates where Pioneer Credit's Operating Margin % falls into.
Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.
Pioneer Credit's Operating Margin % 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 (ASX:PNC) has a Operating Margin % of 4,013.48% as of Dec. 2025. Operating margin is the ratio of total operating income to net sales. View historical data on Pioneer Credit and its competitors. This is 16018% above median its historical median of 24.90. According to the industry distribution chart, Pioneer Credit ranks #83 out of 412 companies in the Credit Services industry, placing it in the top 20.1%.
Is Pioneer Credit's Operating Margin % too high?
Pioneer Credit's current Operating Margin % of 4,013.48% is 16018% above median its 10-year median of 24.90. The Credit Services industry median Operating Margin % is 17.33. Pioneer Credit's value of 4,013.48% is 23065.8% above this industry median. Based on the distribution chart, Pioneer Credit ranks #83 out of 412 companies in the Credit Services industry, which is in the top quartile — a strong position 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 Operating Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Pioneer Credit ranks #83 out of 412 companies for Operating Margin %. This places Pioneer Credit in the top 20% of its industry — outperforming the majority of peers. The industry median Operating Margin % is 17.33. Pioneer Credit's value of 4,013.48% is 23065.8% above this benchmark. While the company's 10-year median is 24.90 vs. the industry median of 17.33, Pioneer Credit has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Operating Margin % for a Credit Services company?
The median Operating Margin % among Credit Services companies is 17.33, based on 412 companies in the industry. Companies in the top quartile (top 25%) have a Operating Margin % significantly above this median, while those in the bottom quartile fall well below. However, Operating Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pioneer Credit's current Operating Margin % of 4,013.48% is 23065.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Operating Margin % mean?
A high Operating Margin % can signal that a stock is expensive relative to its fundamentals. Operating margin is the ratio of total operating income to net sales. View historical data on Pioneer Credit and its competitors. For the Credit Services industry, the median Operating Margin % is 17.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Credit's current Operating Margin % is 4,013.48%, which is 16018% above median its own 10-year median of 24.90. 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 Operating Margin % is 4,013.48%, which is 16018% above median its 10-year median of 24.90 and 23065.8% above the Credit Services industry median of 17.33. 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 Operating Margin % calculated?
Operating Margin % is calculated from a company's financial statements. For Pioneer Credit (ASX:PNC), the current Operating Margin % is 4,013.48% 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:
Operating Margin %: 4,013.48% (16018% above median its 10-year median of 24.90)
GF Value™: A$0.53 vs. price of A$0.69 (29.2% above fair value)
Industry Position: 23065.8% above the Credit Services median (#83 of 412)
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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