Pioneer Credit Ltd

Pioneer Credit Ltd

AASX:PNC
0.61
AUD
-0.01
(-1.61%)
0.14EPS
4.65P/E
108.49MMarket Cap
Mar 01Next Earn

Total Valuation

AUD

As of June 30, 2026, Pioneer Credit Ltd carries a market capitalization of 108.49M, placing it among publicly traded companies globally. Its enterprise value stands at 297.10M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.

Market Cap108.49M
Enterprise Value297.10M

Important Dates

Pioneer Credit Ltd's next confirmed earnings release is scheduled for March 1, 2027.

Earnings Date3/1/2027

Share Statistics

As of June 30, 2026, Pioneer Credit Ltd has 160.72M shares outstanding.

Shares Outstanding160.72M

Valuation Ratios

As of June 30, 2026, Pioneer Credit Ltd trades at a trailing price-to-earnings ratio of 4.65. The price-to-sales ratio is 1.05, and the price-to-book ratio stands at 1.30.

PE Ratio4.65
PS Ratio1.05
PB Ratio1.30
P/TBV Ratio1.31

Enterprise Valuation

As of June 30, 2026, Pioneer Credit Ltd trades at an EV/EBITDA multiple of 5.81 - the valuation measure that neutralizes differences in capital structure, tax rates, and depreciation policy, making it the standard yardstick for comparing companies across an industry. The EV/Sales ratio of 2.90 reflects the premium investors pay for the company's revenue stream, a useful check when earnings are depressed or negative. Its EV/EBIT multiple of 5.99 values the business against core operating earnings after depreciation, a stricter test than EV/EBITDA for capital-intensive businesses. These enterprise value multiples are built on an enterprise value of 297.10M versus a market cap of 108.49M, with the gap driven by net debt and cash on the balance sheet.

EV / Sales2.90
EV / EBITDA5.81
EV / EBIT5.99

Financial Position

As of June 30, 2026, Pioneer Credit Ltd maintains a current ratio of 3.70, meaning it holds 3.7x the short-term assets needed to cover near-term liabilities. The debt-to-equity ratio is 392.49, indicating elevated leverage, while an interest coverage ratio of 1.93 demonstrates limited ability to service its debt obligations.

Current Ratio3.70
Quick Ratio3.65
Debt / Equity392.49
Debt / EBITDA6.42
Interest Coverage1.93

Financial Efficiency

AUD

Over the twelve months ended June 30, 2026, Pioneer Credit Ltd posted a return on equity (ROE) of 31.96, showing how much profit the company earns on every dollar of shareholder capital. Return on invested capital (ROIC) comes in at 12.75 - the clearest signal of whether the business earns more on its capital than that capital costs, and the core measure of a durable competitive advantage. Return on assets (ROA) stands at 5.53, measuring how efficiently the asset base is converted into earnings. Return on capital employed (ROCE) is 12.75, useful for judging operating efficiency across full business cycles. The company generates approximately 298,897.96 in revenue per employee across its workforce of 343.00, a quick read on workforce productivity versus industry peers.

Return on Equity (ROE)31.96
Return on Assets (ROA)5.53
Return on Invested Capital (ROIC)12.75
Return on Capital Employed (ROCE)12.75
Revenue Per Employee298,897.96
Employee Count343.00

Stock Price Statistics

AUD

As of the close on October 22, 2026, Pioneer Credit Ltd's stock has declined approximately 6.87% over the past 52 weeks. The 50-day moving average sits at 0.66, while the 200-day moving average is 0.66.

52-Week Price Change-6.87%
50-Day Moving Average0.66
200-Day Moving Average0.66

Income Statement

AUD

Over the twelve months ended June 30, 2026, Pioneer Credit Ltd generated 102.52M in revenue and converted that into 23.07M in net income, yielding earnings per share of 0.14. EBITDA reached 51.16M, while operating income came in at 49.58M.

Revenue102.52M
Gross Profit102.52M
Operating Income49.58M
Pretax Income23.07M
Net Income23.07M
EBITDA51.16M
EBIT49.58M
Earnings Per Share (EPS)0.14

Balance Sheet

AUD

As of June 30, 2026, Pioneer Credit Ltd holds 140.08M in cash and equivalents against 328.70M in total debt, resulting in a net debt position of 315.49M. Total book value stands at 83.75M, with working capital of 109.27M providing operational flexibility.

Cash & Cash Equivalents140.08M
Total Debt328.70M
Net Debt315.49M
Equity (Book Value)83.75M
Book Value Per Share0.52
Working Capital109.27M

Cash Flow

AUD

These figures cover the twelve months ended June 30, 2026.

Capital Expenditures-37,000.00

Margins

These figures cover the twelve months ended June 30, 2026. The operating margin of 48.36 and net profit margin of 22.50 provide insight into operational efficiency.

Operating Margin48.36
Pretax Margin22.50
Profit Margin22.50
EBITDA Margin49.90

Dividends & Yields

These figures cover the twelve months ended June 30, 2026. Total shareholder yield is negative at -25.14, meaning Pioneer Credit Ltd raised more capital through share issuance and new debt than it returned via dividends and buybacks.

Shareholder Yield-25.14

Stock Splits

Pioneer Credit Ltd's most recent stock split took place on April 10, 2017 with a 241:242 split ratio.

Last Split Date4/10/2017
Split Ratio241:242

Scores

As of June 30, 2026, Pioneer Credit Ltd has an Altman Z-Score of 0.92, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.

Altman Z-Score0.92