Pioneer Credit (ASX:PNC) ROCE %: 12.89% (As of Dec. 2025)

What is Pioneer Credit ROCE %?

Pioneer Credit ASX:PNC 53 ROCE % is 12.89% as of Dec. 2025. 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.

ROCE % measures how well a company generates profits from its capital. It is calculated as EBIT divided by Capital Employed, where Capital Employed is calculated as Total Assets minus Total Current Liabilities. Pioneer Credit's annualized ROCE % for the quarter that ended in Dec. 2025 was 12.89%.

Pioneer Credit (ASX:PNC) ROCE % Explanation

ROCE % can be especially useful when comparing the performance of capital-intensive companies. Unlike ROE %, which indicates the profitability of Shareholders Equity, ROCE % also considers long-term debt in Capital Employed. This can be helpful when analyzing companies with significant debt, as the result is neutralized by taking debt into consideration.

Generally speaking, a higher ROCE % indicates a stonger profitability for a company. Moreover, it is important to look at the ratio from a long term perspective. Investors tend to favor companies with stable and rising ROCE % trend over those with volatile ones.

Pioneer Credit ROCE % Related Terms

Pioneer Credit ROCE % Historical Data

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The historical data trend for Pioneer Credit's ROCE % 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.

Pioneer Credit ROCE % Chart

Pioneer Credit Annual Data

Trend

Jun16

Jun17

Jun18

Jun19

Jun20

Jun21

Jun22

Jun23

Jun24

Jun25

ROCE %

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5.64

2.03

11.24

6.29

21.33

Pioneer Credit Semi-Annual Data
	Jun16	Dec16	Jun17	Dec17	Jun18	Dec18	Jun19	Dec19	Jun20	Dec20	Jun21	Dec21	Jun22	Dec22	Jun23	Dec23	Jun24	Dec24	Jun25	Dec25
ROCE %	Get a 7-Day Free Trial															12.33	-8.05	21.80	13.10	12.89

53GF Score

Pioneer Credit Ltd ASX:PNC

ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.

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Pioneer Credit ROCE % Calculation

Pioneer Credit's annualized ROCE % for the fiscal year that ended in Jun. 2025 is calculated as:

ROCE %	=	EBIT	/	( (Capital Employed	+	Capital Employed)	/ count )
		(A: Jun. 2025 )		(A: Jun. 2024 )		(A: Jun. 2025 )
	=	EBIT	/	( ( (Total Assets - Total Current Liabilities)	+	(Total Assets - Total Current Liabilities) )	/ count )
		(A: Jun. 2025 )		(A: Jun. 2024 )		(A: Jun. 2025 )
	=	44.449	/	( ( (367.936 - 304.904)	+	(388.585 - 34.764) )	/ 2 )
	=	44.449	/	( (63.032	+	353.821)	/ 2 )
	=	44.449	/	208.4265
	=	21.33 %

Pioneer Credit's ROCE % of for the quarter that ended in Dec. 2025 is calculated as:

ROCE %	=	EBIT ⁽¹⁾	/	( (Capital Employed	+	Capital Employed)	/ count )
		(Q: Dec. 2025 )		(Q: Jun. 2025 )		(Q: Dec. 2025 )
	=	EBIT	/	( ( (Total Assets - Total Current Liabilities)	+	(Total Assets - Total Current Liabilities) )	/ count )
		(Q: Dec. 2025 )		(Q: Jun. 2025 )		(Q: Dec. 2025 )
	=	46.528	/	( ( (388.585 - 34.764)	+	(396.506 - 28.414) )	/ 2 )
	=	46.528	/	( ( 353.821	+	368.092 )	/ 2 )
	=	46.528	/	360.9565
	=	12.89 %

(1) Note: The EBIT data used here is two times the semi-annual (Dec. 2025) EBIT data.

Frequently Asked Questions Learn more about ROCE % →

What does a ROCE % of 12.89% mean?

Pioneer Credit (ASX:PNC) has a ROCE % of 12.89% as of Dec. 2025.

Is Pioneer Credit's ROCE % too high?

Pioneer Credit's current ROCE % is 12.89%. The Credit Services industry median ROCE % is 3.39. Pioneer Credit's value of 12.89% is 280.2% above this industry median. 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 ROCE % compare to V and MA?

Pioneer Credit's ROCE % of 12.89% can be compared against companies in the Credit Services industry. The industry median ROCE % is 3.39. Pioneer Credit's value of 12.89% is 280.2% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good ROCE % for a Credit Services company?

The median ROCE % among Credit Services companies is 3.39, based on 417 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pioneer Credit's current ROCE % of 12.89% is 280.2% 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 ROCE % mean?

A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median ROCE % is 3.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Credit's current ROCE % is 12.89%. 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 ROCE % is 12.89% and 280.2% above the Credit Services industry median of 3.39. 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 ROCE % calculated?

ROCE % is calculated from a company's financial statements. For Pioneer Credit (ASX:PNC), the current ROCE % is 12.89% 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:

ROCE %: 12.89%
GF Value™: A$0.53 vs. price of A$0.69 (29.2% above fair value)
GF Score™: 53/100 with 10 warning signs
Industry Position: 280.2% above the Credit Services median

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 Business Description

Industry Financial Services Credit Services

Comparable Companies ASX:HMY ASX:MME ASX:PLT ASX:WZR ASX:EPY ASX:FSA ASX:BTN ASX:SVR ASX:HUM V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI BOM:532810

Other Exchanges 0PI:Germany

Address No. 108 St. Georges Terrace, Level 6, Perth, WA, AUS, 6000

Website https://www.pioneercredit.com.au

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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ROCE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

A$0.69

Price

A$0.53

GF Value

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