Stock PNC PIONEER CREDIT LIMITED
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Financials Pioneer Credit Limited

Equities

PNC

AU000000PNC0

Corporate Financial Services

Market Closed - Australian S.E.
Other stock markets
 02:10:43 2024-04-26 am EDT 		5-day change 1st Jan Change
0.47 AUD +1.08% Intraday chart for Pioneer Credit Limited +2.17% +11.90%
Mar. 22 Pioneer Credit Completes AU$10 Million Placement MT
Mar. 01 Transcript : Pioneer Credit Limited, H1 2024 Earnings Call, Mar 01, 2024

Valuation

Fiscal Period: June 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 168.2 17.8 33.74 45.74 33.53 62.98 -
Enterprise Value (EV) 1 326.4 17.8 33.74 279.3 291.6 348.4 408.6
P/E ratio 41.3 x -0.45 x -1.64 x -1.03 x 185 x 12.1 x 4.12 x
Yield 1.6% - - - - - -
Capitalization / Revenue 2.23 x 0.32 x - 0.43 x 0.24 x 0.7 x 0.64 x
EV / Revenue 4.33 x 0.32 x - 2.62 x 2.1 x 3.87 x 4.18 x
EV / EBITDA 5.25 x - - 4.61 x 3.39 x 8.14 x 9.5 x
EV / FCF -10.8 x - - - 4.75 x 6.55 x 6.88 x
FCF Yield -9.22% - - - 21% 15.3% 14.5%
Price to Book - - - - - - -
Nbr of stocks (in thousands) 62,286 62,454 67,483 110,218 106,458 134,009 -
Reference price 2 2.700 0.2850 0.5000 0.4150 0.3150 0.4700 0.4700
Announcement Date 9/29/19 9/24/20 8/31/21 8/31/22 8/28/23 - -
1AUD in Million2AUD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: June 2019 2020 2021 2022 2023 2024 2025
Net sales 1 75.31 55.94 - 106.8 138.8 90.1 97.8
EBITDA 1 62.14 - - 60.58 86.1 42.8 43
EBIT 1 59.2 - - 3.365 31.2 40.6 40.5
Operating Margin 78.61% - - 3.15% 22.47% 45.06% 41.41%
Earnings before Tax (EBT) 6.597 - - -33.04 - - -
Net income 1 4.281 - -19.66 -33.09 - 4.2 12.2
Net margin 5.68% - - -31% - 4.66% 12.47%
EPS 2 0.0654 -0.6336 -0.3043 -0.4048 0.001700 0.0390 0.1140
Free Cash Flow 1 -30.09 - - - 61.33 53.2 59.4
FCF margin -39.95% - - - 44.17% 59.05% 60.74%
FCF Conversion (EBITDA) - - - - 71.23% 124.3% 138.14%
FCF Conversion (Net income) - - - - - 1,266.67% 486.89%
Dividend per Share 0.0431 - - - - - -
Announcement Date 9/29/19 9/24/20 8/31/21 8/31/22 8/28/23 - -
1AUD in Million2AUD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: June 2023 S1 2023 S2 2024 S1 2024 S2 2025 S1 2025 S2
Net sales 1 - 64.56 - 48.9 46 51.8
EBITDA 1 - 40.9 - 22.2 18.4 24.6
EBIT 1 - 18.1 - 21 17.2 23.2
Operating Margin - 28.04% - 42.94% 37.39% 44.79%
Earnings before Tax (EBT) - - - - - -
Net income 1 -1.275 - 0.032 4.1 3.2 8.9
Net margin - - - 8.38% 6.96% 17.18%
EPS 2 -0.0120 0.0137 0.000200 0.0390 0.0304 0.0844
Dividend per Share - - - - - -
Announcement Date 2/15/23 8/28/23 2/29/24 - - -
1AUD in Million2AUD
Estimates

Balance Sheet Analysis

Fiscal Period: June 2019 2020 2021 2022 2023 2024 2025
Net Debt 1 158 - - 234 258 285 346
Net Cash position 1 - - - - - - -
Leverage (Debt/EBITDA) 2.546 x - - 3.856 x 2.997 x 6.668 x 8.037 x
Free Cash Flow 1 -30.1 - - - 61.3 53.2 59.4
ROE (net income / shareholders' equity) 4.19% - - -69.1% 0.4% 9% 22%
ROA (Net income/ Total Assets) 1.62% - - -10.9% 0.05% 11% 10%
Assets 1 264.4 - - 304.9 - 38.18 122
Book Value Per Share - - - - - - -
Cash Flow per Share 0.7900 - - - - - -
Capex 0.52 - - 0.7 - - -
Capex / Sales 0.7% - - 0.65% - - -
Announcement Date 9/29/19 9/24/20 8/31/21 8/31/22 8/28/23 - -
1AUD in Million
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Ratings for Pioneer Credit Limited

Trading Rating
Investor Rating
ESG Refinitiv
More Ratings

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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Other Corporate Financial Services
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  4. Financials Pioneer Credit Limited