Pioneer CreditASX:PNC 53 PB Ratio is 1.54 as of Jun. 27, 2026, which is 13% above its 10-year median of 1.36. 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 523 Credit Services companies, Pioneer Credit ranks worse than 65.39% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-06-27), Pioneer Credit's share price is A$0.685. Pioneer Credit's Book Value per Share for the quarter that ended in Dec. 2025 was A$0.45. Hence, Pioneer Credit's PB Ratio of today is 1.54.
The historical rank and industry rank for Pioneer Credit's PB Ratio or its related term are showing as below:
ASX:PNC'
s PB Ratio Range Over the Past 10 Years
Min: 0.13 Med: 1.36 Max: 2.38
Current: 1.54
During the past 12 years, Pioneer Credit's highest PB Ratio was 2.38. The lowest was 0.13. And the median was 1.36.
ASX:PNC's PB Ratio is ranked worse than 65.39% of 523
companies
in the Credit Services industry
Industry Median: 1.07
vs ASX:PNC: 1.54
During the past 12 months, Pioneer Credit's average Book Value Per Share Growth Rate was 27.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -0.70% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -19.80% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was -15.80% per year.
During the past 12 years, the highest 3-Year average Book Value Per Share Growth Rate of Pioneer Credit was 13.30% per year. The lowest was -38.40% per year. And the median was -12.80% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Pioneer Credit PB Ratio Related Terms
Pioneer Credit PB Ratio Historical Data
* Premium members only.
The historical data trend for Pioneer Credit's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pioneer Credit's PB Ratio distribution charts can be found below:
* The bar in red indicates where Pioneer Credit's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
Pioneer Credit's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Pioneer Credit (ASX:PNC) has a PB Ratio of 1.54 as of Jun. 27, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Pioneer Credit and its competitors. This is 13% above median its historical median of 1.36. Over the past decade, Pioneer Credit's PB Ratio has ranged from 0.13 to 2.38. According to the industry distribution chart, Pioneer Credit ranks #342 out of 523 companies in the Credit Services industry, placing it in the top 65.4%.
Is Pioneer Credit's PB Ratio too high?
Pioneer Credit's current PB Ratio of 1.54 is 13% above median its 10-year median of 1.36. Over the past 10 years, this metric has ranged from a low of 0.13 to a high of 2.38. The Credit Services industry median PB Ratio is 1.07. Pioneer Credit's value of 1.54 is 43.9% above this industry median. Based on the distribution chart, Pioneer Credit ranks #342 out of 523 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 PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Pioneer Credit ranks #342 out of 523 companies for PB Ratio. This places Pioneer Credit in the lower half of its industry. The industry median PB Ratio is 1.07. Pioneer Credit's value of 1.54 is 43.9% above this benchmark. Historically, Pioneer Credit's own PB Ratio has ranged from 0.13 to 2.38 over the past decade. While the company's 10-year median is 1.36 vs. the industry median of 1.07, 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.07, based on 523 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pioneer Credit's current PB Ratio of 1.54 is 43.9% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Pioneer Credit and its competitors. For the Credit Services industry, the median PB Ratio is 1.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Credit's current PB Ratio is 1.54, which is 13% above median its own 10-year median of 1.36. 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 PB Ratio is 1.54, which is 13% above median its 10-year median of 1.36 and 43.9% above the Credit Services industry median of 1.07. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Pioneer Credit (ASX:PNC), the current PB Ratio is 1.54 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:
PB Ratio: 1.54 (13% above median its 10-year median of 1.36)
GF Value™: A$0.53 vs. price of A$0.69 (29.2% above fair value)
Industry Position: 43.9% above the Credit Services median (#342 of 523)
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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