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Pioneer CreditASX:PNC -3.65%57 PEG Ratio is 0.37 as of Sep. 06, 2026, which is 96% below its 10-year median of 8.50. GuruFocus rates ASX:PNC with a GF Score™ of 57/100 and a GF Value™ of A$0.65 (Fairly Valued). The stock has 6 warning signs investors should review. Among 233 Credit Services companies, Pioneer Credit ranks better than 70.39% on this metric.
* The 5-Year EBITDA Growth Rate is the 5-year average EBITDA per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Pioneer Credit's PEG Ratio or its related term are showing as below:
ASX:PNC'
s PEG Ratio Range Over the Past 10 Years
Min: 0.34 Med: 8.5 Max: 12.95
Current: 0.37
During the past 13 years, Pioneer Credit's highest PEG Ratio was 12.95. The lowest was 0.34. And the median was 8.50.
ASX:PNC's PEG Ratio is ranked better than 70.39% of 233
companies
in the Credit Services industry
Industry Median: 0.81
vs ASX:PNC: 0.37
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Pioneer Credit PEG Ratio Related Terms
Pioneer Credit PEG Ratio Historical Data
* Premium members only.
The historical data trend for Pioneer Credit's PEG 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 PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pioneer Credit's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Pioneer Credit's PEG Ratio 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.
* Note: The 5-Year EBITDA Growth Rate is the 5-year average EBITDA per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Pioneer Credit (ASX:PNC) has a PEG Ratio of 0.37 as of Sep. 06, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Pioneer Credit and its competitors. This is 96% below median its historical median of 8.50. Over the past decade, Pioneer Credit's PEG Ratio has ranged from 0.34 to 12.95. According to the industry distribution chart, Pioneer Credit ranks #69 out of 233 companies in the Credit Services industry, placing it in the top 29.6%.
Is Pioneer Credit's PEG Ratio too high?
Pioneer Credit's current PEG Ratio of 0.37 is 96% below median its 10-year median of 8.50. Over the past 10 years, this metric has ranged from a low of 0.34 to a high of 12.95. The Credit Services industry median PEG Ratio is 0.81. Pioneer Credit's value of 0.37 is 54.3% below this industry median. Based on the distribution chart, Pioneer Credit ranks #69 out of 233 companies in the Credit Services industry, which is above the industry midpoint. Overall, Pioneer Credit has a GF Score™ of 57/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Pioneer Credit's PEG Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Pioneer Credit ranks #69 out of 233 companies for PEG Ratio. This puts Pioneer Credit in the upper half of its industry. The industry median PEG Ratio is 0.81. Pioneer Credit's value of 0.37 is 54.3% below this benchmark. Historically, Pioneer Credit's own PEG Ratio has ranged from 0.34 to 12.95 over the past decade. While the company's 10-year median is 8.50 vs. the industry median of 0.81, Pioneer Credit has consistently been below 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 PEG Ratio for a Credit Services company?
The median PEG Ratio among Credit Services companies is 0.81, based on 233 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pioneer Credit's current PEG Ratio of 0.37 is 54.3% below 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Pioneer Credit and its competitors. For the Credit Services industry, the median PEG Ratio is 0.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Credit's current PEG Ratio is 0.37, which is 96% below median its own 10-year median of 8.50. 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 Fairly Valued. The stock's GF Value™ is A$0.65, compared to a current price of A$0.66 — trading 1.5% above its estimated fair value. The current PEG Ratio is 0.37, which is 96% below median its 10-year median of 8.50 and 54.3% below the Credit Services industry median of 0.81. Pioneer Credit's overall GF Score™ is 57/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Pioneer Credit (ASX:PNC), the current PEG Ratio is 0.37 as of Sep. 06, 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$0.66 is trading 1.5% above its estimated GF Value™ of A$0.65.
GuruFocus considers Pioneer Credit to be Fairly Valued.
Key valuation signals for ASX:PNC:
PEG Ratio: 0.37 (96% below median its 10-year median of 8.50)
GF Value™: A$0.65 vs. price of A$0.66 (1.5% above fair value)
Industry Position: 54.3% below the Credit Services median (#69 of 233)
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.
57GF Score
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