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Pioneer Credit Limited (PNC.AX)
AUD0.70
+0.01 (+1.46%)
AU ASX Financial Services Financial - Credit Services
Address
108 St Georges Terrace 6000
Perth, WA, AU
Perth, WA, AU
CEO
Keith Roy John
Website
pioneercredit.com.au
IPO
2014-05-02
ISIN AU000000PNC0
Description
Pioneer Credit Limited, along with its subsidiary entities, provides financial services throughout Australia. A central part of its operations involves the acquisition and subsequent management of retail debt portfolios. This company was established in 2002 and maintains its primary corporate office in Perth, Australia.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
AUD0.70
+0.01 (+1.46%)
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Volume Profile
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Liquidity & share structure
Average Volume
94.6K
Beta
0.89
Float Shares
114.73M
Free Float %
71.4%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +5.26% | -2.44% | -3.23% | -17.24% | -14.29% | -9.77% | +22.45% | +71.43% | +14.29% | -62.96% | -62.26% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
0.70
Ratings Trend (MoM)
100% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 2 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
1.24
Distress
Piotroski F-Score
4 / 9
Average
MOAT Score
2 / 10
No MOAT
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
5 / 5
High
ROA Score
5 / 5
High
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
✗ Below peers
-
Revenue growth Financial - Credit Services: +13.2%-99.4% Q4'25: +77.0% (vs Q4'23)
-
EPS growth Financial - Credit Services: +24.0%+203.7% ★ Q4'25: +30,350.0% (vs Q4'23)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%-4,597.8% Q4'25: +1.4% (vs Q4'23)
-
EBIT margin Financial - Credit Services: +28.7%+12,111.4% ★ Q4'25: +40.7% (vs Q4'23)
-
ROIC Financial - Credit Services: +5.0%+18.1% ★ Q4'25: +32.1% (vs Q4'23)
-
Share dilution Financial - Credit Services: +0.0%-36.0% ★ Q4'25: -47.8% (vs Q4'23)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×6.63× ★ Q4'25: 3.81× (vs Q4'23)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Jun 2014 actual |
Jun 2015 actual |
Jun 2016 actual |
Jun 2017 actual |
Jun 2018 actual |
Jun 2019 actual |
Jun 2020 actual |
Jun 2021 actual |
Jun 2022 actual |
Jun 2023 actual |
Jun 2024 actual |
Jun 2025 actual |
Jun 2026 2 Rev. Ana. 2 EPS Ana. |
Jun 2027 2 Rev. Ana. 2 EPS Ana. |
Jun 2028 2 Rev. Ana. 2 EPS Ana. |
Jun 2029 1 Rev. Ana. 1 EPS Ana. |
Jun 2030 1 Rev. Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
25.69M
est: 25.68M (+0.1%)
|
38.70M
est: 39.35M (-1.7%)
|
60.91M
est: 47.00M (+29.6%)
|
56.27M
est: 58.70M (-4.1%)
|
80.66M
est: 81.20M (-0.7%)
|
70.09M
est: 95.20M (-26.4%)
|
53.80M
est: 55.89M (-3.7%)
|
53.40M
est: 175.90M (-69.6%)
|
53.66M
est: 111.20M (-51.7%)
|
78.97M
est: 130.00M (-39.3%)
|
65.74M
est: 85.04M (-22.7%)
|
367.0K
est: 99.05M (-99.6%)
|
97.11M
95.02M – 99.20M
-2.0% YoY
|
110.29M
109.27M – 111.30M
+13.6% YoY
|
120.32M
120.32M – 120.32M
+9.1% YoY
|
128.66M
126.74M – 130.59M
+6.9% YoY
|
143.76M
141.61M – 145.92M
+11.7% YoY
|
| EBITDA |
2.74M
est: 10.44M (-73.8%)
|
11.82M
est: 1.48M (+700.3%)
|
14.93M
est: 10.99M (+35.9%)
|
16.72M
est: 13.67M (+22.3%)
|
31.85M
est: 18.07M (+76.3%)
|
17.96M
est: 25.20M (-28.7%)
|
-1.02M
est: -43.2K (-2,252.0%)
|
11.30M
est: -196.17M (+105.8%)
|
8.93M
est: 45.20M (-80.2%)
|
35.50M
est: -398.75M (+108.9%)
|
13.45M
est: -772.43M (+101.7%)
|
45.95M
est: 40.26M (+14.1%)
|
39.47M
38.62M – 40.32M
-2.0% YoY
|
44.83M
44.41M – 45.24M
+13.6% YoY
|
48.90M
48.90M – 48.90M
+9.1% YoY
|
52.29M
51.51M – 53.08M
+6.9% YoY
|
58.43M
57.56M – 59.31M
+11.7% YoY
|
| EBIT |
3.80M
est: 9.52M (-60.0%)
|
12.23M
est: 5.86M (+108.5%)
|
16.14M
est: 14.58M (+10.7%)
|
18.56M
est: 19.56M (-5.1%)
|
30.23M
est: 28.62M (+5.6%)
|
15.02M
est: 35.25M (-57.4%)
|
-4.27M
est: 8.40M (-150.9%)
|
7.51M
est: 65.18M (-88.5%)
|
6.11M
est: 41.20M (-85.2%)
|
33.34M
est: -30.70M (+208.6%)
|
11.62M
est: 31.51M (-63.1%)
|
44.45M
est: 36.70M (+21.1%)
|
35.98M
35.21M – 36.76M
-2.0% YoY
|
40.86M
40.49M – 41.24M
+13.6% YoY
|
44.58M
44.58M – 44.58M
+9.1% YoY
|
47.67M
46.96M – 48.39M
+6.9% YoY
|
53.27M
52.47M – 54.07M
+11.7% YoY
|
| Net Income |
1.05M
est: 18.18M (-94.2%)
|
7.44M
est: 1.63M (+355.7%)
|
9.45M
est: 8.88M (+6.4%)
|
10.75M
est: 11.44M (-6.0%)
|
17.60M
est: 16.46M (+6.9%)
|
4.28M
est: 21.05M (-79.7%)
|
-40.08M
est: 2.43M (-1,747.3%)
|
-19.66M
est: -112.92M (+82.6%)
|
-33.09M
est: 6.32M (-623.9%)
|
166.0K
est: -229.52M (+100.1%)
|
-10.04M
est: -444.62M (+97.7%)
|
6.66M
est: 11.25M (-40.8%)
|
23.40M
22.40M – 27.02M
+108.0% YoY
|
27.25M
25.63M – 32.13M
+16.5% YoY
|
33.10M
31.50M – 34.69M
+21.4% YoY
|
30.22M
29.63M – 30.81M
-8.7% YoY
|
—
— – —
-100.0% YoY
|
| SGA |
13.01M
est: 517.21M (-97.5%)
|
18.95M
est: 31.97M (-40.7%)
|
24.86M
est: 28.89M (-14.0%)
|
27.60M
est: 35.19M (-21.6%)
|
38.33M
est: 53.05M (-27.7%)
|
43.26M
est: 56.83M (-23.9%)
|
36.16M
est: 30.56M (+18.3%)
|
33.55M
est: 144.57M (-76.8%)
|
36.25M
est: 2.24B (-98.4%)
|
37.35M
est: 2.62B (-98.6%)
|
46.11M
est: 1.71B (-97.3%)
|
36.05M
est: 1.99B (-98.2%)
|
1.96B
1.91B – 2.00B
-2.0% YoY
|
2.22B
2.20B – 2.24B
+13.6% YoY
|
2.42B
2.42B – 2.42B
+9.1% YoY
|
2.59B
2.55B – 2.63B
+6.9% YoY
|
2.90B
2.85B – 2.94B
+11.7% YoY
|
| EPS |
0.08
est: 0.10 (-22.1%)
|
0.16
est: 0.17 (-5.2%)
|
0.20
est: 0.20 (+0.9%)
|
0.21
est: 0.20 (+3.4%)
|
0.29
est: 0.27 (+7.0%)
|
0.07
est: 0.30 (-77.3%)
|
-0.63
est: -0.63 (+0.6%)
|
-0.30
est: 0.37 (-181.7%)
|
-0.40
est: 0.03 (-1,256.1%)
|
0.00
est: 0.01 (-80.0%)
|
-0.04
est: 0.01 (-548.5%)
|
0.04
est: 0.06 (-28.4%)
|
0.14
0.12 – 0.15
+119.6% YoY
|
0.16
0.14 – 0.18
+16.9% YoY
|
0.18
0.17 – 0.19
+14.6% YoY
|
0.17
0.16 – 0.17
-8.7% YoY
|
—
— – —
-100.0% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | B | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-28 | B | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-27 | B | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-26 | B | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-25 | B | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-22 | B | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-21 | B | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-20 | B | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-19 | B | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-18 | B | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-15 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-05-14 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-05-13 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-05-12 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-05-11 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-05-08 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-05-07 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-05-06 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-05-05 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-05-04 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-05-01 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-30 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-29 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-28 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-27 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-24 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-23 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-22 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-21 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-20 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-17 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
-22.48M
OE per share TTM
-0.10
Owner's Yield
-23.61%
Maintenance CapEx ratio
26.18%
Maint CapEx / Avg PPE
12.7%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
This company is not held by any ETF in our universe.
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
1.3K
Shares Outstanding
160.72M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Keith Roy John | Founder & MD | 873.0K | male |
| Barry Hartnett | Chief Financial Officer | 533.0K | male |
| Susan Diana Symmons ACIS MAICD | General Counsel & Company Secretary | 291.3K | female |
| Heath Trewhella | Head of IT | — | — |
| Mario Ribeiro | Head of Intelligent Automation | — | male |
| Tate O'Connor | Head of Data & Analytics | — | — |
| Adrian Marr | Head of Operations | — | male |
| Tracy Chang | Head of Finance | — | female |
| Catarina Le Guimaraes | Head of Risk & Compliance | — | female |
| Chantelle Hadley | Head of Digital & Customer | — | female |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for PNC.AX
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
