Pioneer CreditFRA:0PI +2.23%33 Return-on-Tangible-Equity is 31.53% as of Dec. 2025, which is 1247% above its 10-year median of 2.34. GuruFocus rates FRA:0PI with a GF Score™ of 33/100 and a GF Value™ of €0.31 (Modestly Overvalued). The stock has 10 warning signs investors should review. Among 525 Credit Services companies, Pioneer Credit ranks better than 88.95% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Pioneer Credit's annualized net income for the quarter that ended in Dec. 2025 was €11.55 Mil. Pioneer Credit's average shareholder tangible equity for the quarter that ended in Dec. 2025 was €36.64 Mil. Therefore, Pioneer Credit's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 31.53%.
The historical rank and industry rank for Pioneer Credit's Return-on-Tangible-Equity or its related term are showing as below:
FRA:0PI'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -70.99 Med: 2.34 Max: 24.65
Current: 24.65
During the past 12 years, Pioneer Credit's highest Return-on-Tangible-Equity was 24.65%. The lowest was -70.99%. And the median was 2.34%.
FRA:0PI's Return-on-Tangible-Equity is ranked better than 88.95% of 525
companies
in the Credit Services industry
Industry Median: 7.01
vs FRA:0PI: 24.65
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Pioneer Credit Return-on-Tangible-Equity Related Terms
Pioneer Credit Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Pioneer Credit's Return-on-Tangible-Equity 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.
FRA:0PI vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, Pioneer Credit's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pioneer Credit's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Pioneer Credit's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 31.53% mean?
Pioneer Credit (FRA:0PI) has a Return-on-Tangible-Equity of 31.53% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Pioneer Credit and its competitors. This is 1247% above median its historical median of 2.34. According to the industry distribution chart, Pioneer Credit ranks #58 out of 525 companies in the Credit Services industry, placing it in the top 11%.
Is Pioneer Credit's Return-on-Tangible-Equity too high?
Pioneer Credit's current Return-on-Tangible-Equity of 31.53% is 1247% above median its 10-year median of 2.34. The Credit Services industry median Return-on-Tangible-Equity is 7.01. Pioneer Credit's value of 31.53% is 349.8% above this industry median. Based on the distribution chart, Pioneer Credit ranks #58 out of 525 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 33/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pioneer Credit's Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Pioneer Credit ranks #58 out of 525 companies for Return-on-Tangible-Equity. This places Pioneer Credit in the top 11% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 7.01. Pioneer Credit's value of 31.53% is 349.8% above this benchmark. While the company's 10-year median is 2.34 vs. the industry median of 7.01, 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 Return-on-Tangible-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.01, based on 525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pioneer Credit's current Return-on-Tangible-Equity of 31.53% is 349.8% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Pioneer Credit and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Credit's current Return-on-Tangible-Equity is 31.53%, which is 1247% above median its own 10-year median of 2.34. 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 (FRA:0PI) is currently considered Modestly Overvalued. The stock's GF Value™ is €0.31, compared to a current price of €0.40 — trading 27.4% above its estimated fair value. The current Return-on-Tangible-Equity is 31.53%, which is 1247% above median its 10-year median of 2.34 and 349.8% above the Credit Services industry median of 7.01. Pioneer Credit's overall GF Score™ is 33/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Pioneer Credit (FRA:0PI), the current Return-on-Tangible-Equity is 31.53% 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 (FRA:0PI) Overvalued in 2026?
Based on GuruFocus' analysis, Pioneer Credit stock appears to be overvalued.
The current stock price of €0.40 is trading 27.4% above its estimated GF Value™ of €0.31.
GuruFocus considers Pioneer Credit to be Modestly Overvalued.
Key valuation signals for FRA:0PI:
Return-on-Tangible-Equity: 31.53% (1247% above median its 10-year median of 2.34)
GF Value™: €0.31 vs. price of €0.40 (27.4% above fair value)
Industry Position: 349.8% above the Credit Services median (#58 of 525)
No single metric tells the full story. See the FRA:0PI 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.
33GF Score
Get the complete analysis for FRA:0PI
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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