PNC · ASX

Pioneer Credit Ltd (ASX:PNC)

AU$0.52

 0.01 (1.961%)
ASX:Live
20/12/2024 12:35:50 PM
HALO Ords HALO Growth HALO Capital Efficiency GROWTH AUS EMA 125 Breakdown +2
Consensus Score
/10
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PNC Overview

PNC Health Scores

Short Term

Mean Reversion

Neutral

Trend

Neutral

Event

Neutral

Halo Model

MQV

Very Strong

GARP

Very Strong

MQV Small

Neutral

Valuation

Value

Consensus

Momentum

Price

Strong

Earnings

Neutral

Growth

Earnings

Very Weak

Dividends

Very Strong

Quality

Capital Efficiency

Very Weak

Balance Sheet

Very Strong

About PNC

Website

Pioneer Credit Ltd

Telephone

61.8.9323.5000

Address

Level 6 108 Street Georges Terrace Perth, Western Australia (WA) 6000

Description

Pioneer Credit Ltd. engages in the provision of financial services specializing in acquiring and servicing unsecured retail debt portfolios. It also engages in the acquisition and servicing of unsecured retail debt portfolios comprised of personal loans and credit cards. The company was founded by Keith R. John in 1998 and is headquartered in Perth, Australia.

PNC Price Chart

Key Stats

Market Cap

AU$86.79M

PE

69.40

EV/EBITDA

5.5

Dividends Overview

DIV Yield

.0%

Franking

N/A

Ex Dividend Date (est.)

N/A

Market Data

52 weeks range

Low 0.36 - 0.68

Trade Value (12mth)

AU$14,924.00

1 week

-11.3%

1 month

-17.07%

YTD

15.91%

1 year

13.33%

All time high

3.78

Key Fundamentals

EPS 3 yr Growth

-71.50%

EBITDA Margin

36.00%

Operating Cashflow

-$29m

Free Cash Flow Return

-14.80%

ROIC

-5.20%

Interest Coverage

0.80

Quick Ratio

0.00

Other Data

Shares on Issue (Fully Dilluted)

116m

HALO Sector

Other Finance

Next Company Report Date

26-Aug-25

Ex Dividend Date (est.)

N/A

Next Dividend Pay Date (est.)

N/A

Reporting Currency

AUD

Short Sell (% of issue)

0.16

PNC Announcements

Latest Announcements

Date Announcements

17 December 24

Notification of cessation of securities - PNC

×

Notification of cessation of securities - PNC

17 December 24

Change in substantial holding

×

Change in substantial holding

17 December 24

Lapse of Performance Rights

×

Lapse of Performance Rights

16 December 24

Change in substantial holding - James Simpson

×

Change in substantial holding - James Simpson

13 December 24

Change in substantial holding - KR John

×

Change in substantial holding - KR John

12 December 24

Application for quotation of securities - PNC

×

Application for quotation of securities - PNC

12 December 24

Notice under s708A (5) (e) of the Corporations Act

×

Notice under s708A (5) (e) of the Corporations Act

12 December 24

Ceasing to be a substantial holder from NGE

×

Ceasing to be a substantial holder from NGE

11 December 24

Change of Director's Interest Notice - A Whitechurch

×

Change of Director's Interest Notice - A Whitechurch

04 December 24

$10m Institutional Placement and FY26 Earnings Guidance

×

$10m Institutional Placement and FY26 Earnings Guidance

04 December 24

Proposed issue of securities - PNC

×

Proposed issue of securities - PNC

02 December 24

Trading Halt

×

Trading Halt

20 November 24

Acquisition of shares by Equity Incentive Plan Trust

×

Acquisition of shares by Equity Incentive Plan Trust

31 October 24

2024 Annual General Meeting - Chairman's Address

×

2024 Annual General Meeting - Chairman's Address

31 October 24

FY25 Update

×

FY25 Update

31 October 24

Results of 2024 AGM

×

Results of 2024 AGM

04 October 24

Resignation of Director

×

Resignation of Director

04 October 24

Final Director's Interest Notice - S Pervan

×

Final Director's Interest Notice - S Pervan

26 September 24

Application for quotation of securities - PNC

×

Application for quotation of securities - PNC

26 September 24

Notification of cessation of securities - PNC

×

Notification of cessation of securities - PNC

26 September 24

Corporate Structure Update

×

Corporate Structure Update

26 September 24

Notice of Annual General Meeting

×

Notice of Annual General Meeting

11 September 24

Change of Director's Interest Notice - KR John

×

Change of Director's Interest Notice - KR John

04 September 24

Key Dates

×

Key Dates

30 August 24

FY24 Appendix 4E and Annual Report

×

FY24 Appendix 4E and Annual Report

PNC Fundamentals

Per Share Records

Historical data

Forecast data

AUD 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027
Per Share, Growth & Valuations
EPS (Basic) $ Lock Lock Lock Lock -0.40 0.00 -0.09 Lock Lock Lock
EPS (Fully Diluted) $ Lock Lock Lock Lock -0.40 0.00 -0.09 Lock Lock Lock
     Growth % Lock Lock Lock Lock -32.4 100.4 -5,512.5 Lock Lock Lock
     PE X Lock Lock Lock Lock 11.1 40.0 69.4 Lock Lock Lock
     EV/EBITDA X Lock Lock Lock Lock 0.0 3.6 5.5 Lock Lock Lock
CFPS $ Lock Lock Lock Lock -0.26 0.06 -0.16 Lock Lock Lock
FCFPS $ Lock Lock Lock Lock -0.58 -0.16 -0.25 Lock Lock Lock
     Growth % Lock Lock Lock Lock -147.6 123.7 -362.5 Lock Lock Lock
     Yield % Lock Lock Lock Lock -139.2 -51.9 -49.9 Lock Lock Lock
DPS $ Lock Lock Lock Lock 0.00 0.00 0.00 Lock Lock Lock
     Growth % Lock Lock Lock Lock N/A N/A N/A Lock Lock Lock
     Yield % Lock Lock Lock Lock 0.0 0.0 0.0 Lock Lock Lock
     Payout Ratio % Lock Lock Lock Lock 0 0 0 Lock Lock Lock
BPS $ Lock Lock Lock Lock 0.41 0.41 0.33 Lock Lock Lock
BPS (Tangible) $ Lock Lock Lock Lock 0.40 0.41 0.32 Lock Lock Lock
     Growth % Lock Lock Lock Lock -50.5 2.8 -20.5 Lock Lock Lock
Shares Outstanding
Diluted m Lock Lock Lock Lock 82 124 116 Lock Lock Lock
Basic m Lock Lock Lock Lock 82 106 116 Lock Lock Lock

Financial Records

Historical data

Forecast data

AUD 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027
Income Statement
Sales $m Lock Lock Lock Lock 54 79 89 Lock Lock Lock
     Growth % Lock Lock Lock Lock 0.9 46.6 12.6 Lock Lock Lock
Selling & General Expenses $m Lock Lock Lock Lock 8 7 15 Lock Lock Lock
Gross Income $m Lock Lock Lock Lock 48 73 83 Lock Lock Lock
     Growth % Lock Lock Lock Lock 1.5 51.3 13.3 Lock Lock Lock
     Margin % Lock Lock Lock Lock 89.8 92.7 93.2 Lock Lock Lock
Cost of Goods Sold to Sales % Lock Lock Lock Lock 10 7 7 Lock Lock Lock
EBITDA $m Lock Lock Lock Lock 9 32 32 Lock Lock Lock
     Growth % Lock Lock Lock Lock -20.9 262.7 -1.3 Lock Lock Lock
     Margin % Lock Lock Lock Lock 16.6 41.0 36.0 Lock Lock Lock
Depreciation & Amortisation $m Lock Lock Lock Lock 3 2 2 Lock Lock Lock
EBIT $m Lock Lock Lock Lock 6 30 30 Lock Lock Lock
     Growth % Lock Lock Lock Lock -18.7 393.7 -0.1 Lock Lock Lock
     Margin % Lock Lock Lock Lock 11.3 38.2 33.9 Lock Lock Lock
Pretax Income $m Lock Lock Lock Lock -33 0 -31 Lock Lock Lock
Income Taxes $m Lock Lock Lock Lock 0 0 -21 Lock Lock Lock
Net Income $m Lock Lock Lock Lock -33 0 -10 Lock Lock Lock
     Growth % Lock Lock Lock Lock -68.4 100.5 -6,147.6 Lock Lock Lock
     Margin % Lock Lock Lock Lock -61.4 0.2 -11.3 Lock Lock Lock
Cash Flow Statement
Net Operating Cash Flow $m Lock Lock Lock Lock -47 -20 -29 Lock Lock Lock
Capital Expenditures $m Lock Lock Lock Lock 1 0 1 Lock Lock Lock
Net Investing Cash Flow $m Lock Lock Lock Lock -1 0 -1 Lock Lock Lock
Net Financing Cash Flow $m Lock Lock Lock Lock 60 6 25 Lock Lock Lock
Free Cash Flow $m Lock Lock Lock Lock -47 -20 -29 Lock Lock Lock
     Growth % Lock Lock Lock Lock -473.7 57.4 -43.0 Lock Lock Lock
     Margin % Lock Lock Lock Lock -0.9 -0.3 -0.3 Lock Lock Lock
Franking Balance $m Lock Lock Lock Lock 6 6 6 Lock Lock Lock
Balance Sheet
Cash & Short-Term Investments $m Lock Lock Lock Lock 119 115 118 Lock Lock Lock
Total Assets $m Lock Lock Lock Lock 339 327 368 Lock Lock Lock
Long Term Debt $m Lock Lock Lock Lock 245 263 39 Lock Lock Lock
Net Debt $m Lock Lock Lock Lock 147 159 175 Lock Lock Lock
Total Liabilities $m Lock Lock Lock Lock 298 285 324 Lock Lock Lock
Equity $m Lock Lock Lock Lock 41 42 44 Lock Lock Lock
Invested Capital Lock Lock Lock Lock 286 305 83 Lock Lock Lock
     Growth % Lock Lock Lock Lock 10.7 6.5 -72.7 Lock Lock Lock
Return Ratios
Return on Assets % Lock Lock Lock Lock -9.7 0.1 -2.7 Lock Lock Lock
Return on Equity % Lock Lock Lock Lock -80.6 0.4 -22.7 Lock Lock Lock
Return on Total Capital % Lock Lock Lock Lock 2.1 9.7 9.2 Lock Lock Lock
Return on Invested Capital % Lock Lock Lock Lock -12.1 0.1 -5.2 Lock Lock Lock
Cash Flow Return on Invested Capital % Lock Lock Lock Lock -17.2 -6.7 -14.8 Lock Lock Lock

Ratios Records

Historical data

Forecast data

AUD 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027
Leverage
Interest Cover X Lock Lock Lock Lock 0.2 1.0 0.8 Lock Lock Lock
Debt to EBITDA X Lock Lock Lock Lock 16.5 4.9 5.5 Lock Lock Lock
Net Debt to Equity % Lock Lock Lock Lock 358.7 379.9 396.3 Lock Lock Lock
Liquidity
Current Ratio X Lock Lock Lock Lock 0.0 0.0 0.0 Lock Lock Lock
Quick Ratio X Lock Lock Lock Lock 0.0 0.0 0.0 Lock Lock Lock
Cash & ST Inv/Current Assets % Lock Lock Lock Lock N/A N/A N/A Lock Lock Lock
CFO/Current Liabilities % Lock Lock Lock Lock N/A N/A N/A Lock Lock Lock
Balance Sheet Efficiency
Receivables Turnover X Lock Lock Lock Lock 15.2 20.6 30.5 Lock Lock Lock
Inventory Turnover X Lock Lock Lock Lock 0.0 0.0 0.0 Lock Lock Lock
Working Capital Turnover X Lock Lock Lock Lock 0.0 0.0 0.0 Lock Lock Lock
Payables Turnover X Lock Lock Lock Lock 0.0 0.0 0.0 Lock Lock Lock
Asset Turnover X Lock Lock Lock Lock 0.2 0.2 0.2 Lock Lock Lock
Du Pont
Asset Turnover X Lock Lock Lock Lock 0.2 0.2 0.2 Lock Lock Lock
x Pretax Margin % Lock Lock Lock Lock -61.3 0.2 -35.3 Lock Lock Lock
= Pretax Return on Assets % Lock Lock Lock Lock -9.7 0.1 -8.5 Lock Lock Lock
x Tax Rate Complement (1-Tax Rate) % Lock Lock Lock Lock 0.0 2.4 0.0 Lock Lock Lock
Return on Assets % Lock Lock Lock Lock -9.7 0.1 -2.7 Lock Lock Lock
x Equity Multiplier (Assets/Equity) % Lock Lock Lock Lock 8.3 7.8 8.3 Lock Lock Lock
Return on Equity % Lock Lock Lock Lock -80.6 0.4 -22.7 Lock Lock Lock
x Earnings Retention (1-Payout) % Lock Lock Lock Lock 100.0 100.0 100.0 Lock Lock Lock
= Reinvestment Rate (%) % Lock Lock Lock Lock -80.6 0.4 -22.7 Lock Lock Lock
Operating Cycle
Days of Inventory on Hand Days Lock Lock Lock Lock 0.0 0.0 0.0 Lock Lock Lock
+ Days of Sales Outstanding Days Lock Lock Lock Lock 24.0 17.7 12.0 Lock Lock Lock
Operating Cycle Days Lock Lock Lock Lock 24.0 17.7 12.0 Lock Lock Lock
- Days of Payables Outstanding Days Lock Lock Lock Lock 0.0 0.0 0.0 Lock Lock Lock
Net Operating Cycle Days Lock Lock Lock Lock 24.0 17.7 12.0 Lock Lock Lock

Dividends

Key Stats

Ex Dividend Date (est.)

N/A

DIV Yield

.0%

Franking Level

N/A

DPSg

N/A

Quality Yield

Lock

Falling Divs over next 2

Lock

Values and Recommendations

Key Stats

Consensus Score

Lock

Recommendation

Lock

EPS 1 month Change

Lock

Quality Yield

Lock

Falling Divs over next 2

Lock

Halo Consensus Score

Lock Chart

PEG Ratio

Lock Chart

Consensus EPS Revisions

Lock Chart

Short selling

Key Stats

Percent of Issue

0.16%

Value ($M)

0

Prior Change

N/A

7 Day Change

0.10%

1 Month Change

0.20%

3 Month Change

0.20%

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Frequently Asked Questions

The current share price of Pioneer Credit Ltd (PNC:ASX) is AU$0.52.
The 52-week high share price for Pioneer Credit Ltd (PNC:ASX) is AU$0.68.
The 52-week low share price for Pioneer Credit Ltd (PNC:ASX)? is AU$0.36.
The current TTM dividend payout for Pioneer Credit Ltd (PNC:ASX) is 0.00.
The last dividend payment of Pioneer Credit Ltd (PNC:ASX) is AU$0.04.
Pioneer Credit Ltd (PNC:ASX) has a franking level of 0.0%.
Pioneer Credit Ltd (PNC:ASX) is classified in the Other Finance.
The current P/E ratio for Pioneer Credit Ltd (PNC:ASX) is 69.40.
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HALO Technologies Pty Ltd ABN 54 623 830 866 is a Corporate Authorised Representative No 1261916 of Macrovue Pty Ltd ABN 98 600 022 679 AFSL 484264. Macrovue Pty Ltd is a wholly owned subsidiary of HALO Technologies Pty Ltd.