Pioneer CreditASX:PNC 53 Quick Ratio is 5.00 as of Dec. 2025, which is 9% above its 10-year median of 4.59. 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 394 Credit Services companies, Pioneer Credit ranks better than 50.51% on this metric.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. It is calculated as a company's Total Current Assets excludes Total Inventories divides by its Total Current Liabilities. Pioneer Credit's quick ratio for the quarter that ended in Dec. 2025 was 5.00.
Pioneer Credit has a quick ratio of 5.00. It generally indicates good short-term financial strength.
The historical rank and industry rank for Pioneer Credit's Quick Ratio or its related term are showing as below:
ASX:PNC'
s Quick Ratio Range Over the Past 10 Years
Min: 0.41 Med: 4.59 Max: 9.22
Current: 5
During the past 12 years, Pioneer Credit's highest Quick Ratio was 9.22. The lowest was 0.41. And the median was 4.59.
ASX:PNC's Quick Ratio is ranked better than 50.51% of 394
companies
in the Credit Services industry
Industry Median: 4.855
vs ASX:PNC: 5.00
Pioneer Credit (ASX:PNC) Quick Ratio Explanation
The quick ratio is more conservative than the Current Ratio because it excludes inventories from current assets. The ratio derives its name presumably from the fact that assets such as cash and marketable securities are quick sources of cash. Inventories generally take time to be converted into cash, and if they have to be sold quickly, the company may have to accept a lower price than book value of these inventories. As a result, they are justifiably excluded from assets that are ready sources of immediate cash.
In general, low or decreasing quick ratios generally suggest that a company is over-leveraged, struggling to maintain or grow sales, paying bills too quickly or collecting receivables too slowly. On the other hand, a high or increasing quick ratio generally indicates that a company is experiencing solid top-line growth, quickly converting receivables into cash, and easily able to cover its financial obligations. Such companies often have faster inventory turnover and cash conversion cycles.
The higher the quick ratio, the better the company's liquidity position.
Pioneer Credit Quick Ratio Related Terms
Pioneer Credit Quick Ratio Historical Data
* Premium members only.
The historical data trend for Pioneer Credit's Quick 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 Quick Ratio, along with its competitors' market caps and Quick 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 Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pioneer Credit's Quick Ratio distribution charts can be found below:
* The bar in red indicates where Pioneer Credit's Quick Ratio falls into.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. For this reason, the ratio excludes inventories from current assets.
Pioneer Credit's Quick Ratio 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 Quick Ratio of 5.00 as of Dec. 2025. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Pioneer Credit and its competitors. This is near median its historical median of 4.59. Over the past decade, Pioneer Credit's Quick Ratio has ranged from 0.41 to 9.22. According to the industry distribution chart, Pioneer Credit ranks #195 out of 394 companies in the Credit Services industry, placing it in the top 49.5%.
Is Pioneer Credit's Quick Ratio too high?
Pioneer Credit's current Quick Ratio of 5.00 is near median its 10-year median of 4.59. Over the past 10 years, this metric has ranged from a low of 0.41 to a high of 9.22. The Credit Services industry median Quick Ratio is 4.86. Pioneer Credit's value of 5.00 is 3% above this industry median. Based on the distribution chart, Pioneer Credit ranks #195 out of 394 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 Quick Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Pioneer Credit ranks #195 out of 394 companies for Quick Ratio. This puts Pioneer Credit in the upper half of its industry. The industry median Quick Ratio is 4.86. Pioneer Credit's value of 5.00 is 3% above this benchmark. Historically, Pioneer Credit's own Quick Ratio has ranged from 0.41 to 9.22 over the past decade. While the company's 10-year median is 4.59 vs. the industry median of 4.86, 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 Quick Ratio for a Credit Services company?
The median Quick Ratio among Credit Services companies is 4.86, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a Quick Ratio significantly above this median, while those in the bottom quartile fall well below. However, Quick Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pioneer Credit's current Quick Ratio of 5.00 is 3% 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 Quick Ratio mean?
A high Quick Ratio can signal that a stock is expensive relative to its fundamentals. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Pioneer Credit and its competitors. For the Credit Services industry, the median Quick Ratio is 4.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Credit's current Quick Ratio is 5.00, which is near median its own 10-year median of 4.59. 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 Quick Ratio is 5.00, which is near median its 10-year median of 4.59 and 3% above the Credit Services industry median of 4.86. 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 Quick Ratio calculated?
Quick Ratio is calculated from a company's financial statements. For Pioneer Credit (ASX:PNC), the current Quick Ratio is 5.00 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:
Quick Ratio: 5.00 (near median its 10-year median of 4.59)
GF Value™: A$0.53 vs. price of A$0.69 (29.2% above fair value)
Industry Position: 3% above the Credit Services median (#195 of 394)
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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