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Pioneer CreditASX:PNC 49 5-Year Yield-on-Cost % is 0.00 as of Jul. 19, 2026. GuruFocus rates ASX:PNC with a GF Score™ of 49/100 and a GF Value™ of A$0.53 (Significantly Overvalued). The stock has 10 warning signs investors should review. Among 211 Credit Services companies, Pioneer Credit ranks worse than 473933.18% on this metric.
Pioneer Credit's yield on cost for the quarter that ended in Dec. 2025 was 0.00.
The historical rank and industry rank for Pioneer Credit's 5-Year Yield-on-Cost % or its related term are showing as below:
During the past 12 years, Pioneer Credit's highest Yield on Cost was 54.55. The lowest was 2.85. And the median was 4.61.
ASX:PNC's 5-Year Yield-on-Cost % is not ranked *
in the Credit Services industry.
Industry Median: 4.55 * Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Pioneer Credit 5-Year Yield-on-Cost % Related Terms
ASX:PNC vs V, MA, AXP: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, Pioneer Credit's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pioneer Credit's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Pioneer Credit's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of Pioneer Credit is calculated as
Pioneer Credit (ASX:PNC) has a 5-Year Yield-on-Cost % of 0.00 as of Jul. 19, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Pioneer Credit and its competitors. Over the past decade, Pioneer Credit's 5-Year Yield-on-Cost % has ranged from 2.85 to 54.55. According to the industry distribution chart, Pioneer Credit ranks #999999 out of 211 companies in the Credit Services industry.
Is Pioneer Credit's 5-Year Yield-on-Cost % too high?
Pioneer Credit's current 5-Year Yield-on-Cost % is 0.00. Over the past 10 years, this metric has ranged from a low of 2.85 to a high of 54.55. Based on the distribution chart, Pioneer Credit ranks #999999 out of 211 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Pioneer Credit has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pioneer Credit's 5-Year Yield-on-Cost % compare to V and MA?
According to the Credit Services industry distribution chart, Pioneer Credit ranks #999999 out of 211 companies for 5-Year Yield-on-Cost %. This places Pioneer Credit in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 4.55. Historically, Pioneer Credit's own 5-Year Yield-on-Cost % has ranged from 2.85 to 54.55 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for a Credit Services company?
The median 5-Year Yield-on-Cost % among Credit Services companies is 4.55, based on 211 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Pioneer Credit and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Credit's current 5-Year Yield-on-Cost % is 0.00. 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 Significantly Overvalued. The stock's GF Value™ is A$0.53, compared to a current price of A$0.70 — trading 31.1% above its estimated fair value. The current 5-Year Yield-on-Cost % is 0.00. Pioneer Credit's overall GF Score™ is 49/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Pioneer Credit (ASX:PNC), the current 5-Year Yield-on-Cost % is 0.00 as of Jul. 19, 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$0.70 is trading 31.1% above its estimated GF Value™ of A$0.53.
GuruFocus considers Pioneer Credit to be Significantly Overvalued.
Key valuation signals for ASX:PNC:
5-Year Yield-on-Cost %: 0.00
GF Value™: A$0.53 vs. price of A$0.70 (31.1% above fair value)
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.
49GF Score
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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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