PIONEER CREDIT LIMITED (PNC)
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PNC

PNC - PIONEER CREDIT LIMITED

FNArena Sector : Business & Consumer Credit
Year End: June
GICS Industry Group : Diversified Financials
Debt/EBITDA: 7.2
Index:

LAST PRICE CHANGE +/- CHANGE % VOLUME

$0.65

03 Nov
2025

-0.005

OPEN

$0.65

-0.76%

HIGH

$0.65

93,016

LOW

$0.64

TARGET
$0.85 30.8% upside
OTHER COMPANIES IN THE SAME SECTOR
BTN . CCP . CGR . COG . EML . EPY . FND . FSA . HUM . JDO . LFS . MME . PLT . PPM . QAL . SIV . SMP . SVR . TYR . WZR . XYZ . ZIP .
FNARENA'S MARKET CONSENSUS FORECASTS
PNC: 1
Title FY24
Actual		 FY25
Actual		 FY26
Forecast		 FY27
Forecast
EPS (cps) xxx 4.4 10.8 xxx
DPS (cps) xxx 0.0 0.0 xxx
EPS Growth xxx N/A 100.0% xxx
DPS Growth xxx N/A N/A xxx
PE Ratio xxx N/A 6.0 xxx
Dividend Yield xxx N/A 0.0% xxx
Div Pay Ratio(%) xxx N/A N/A xxx

Dividend yield today if purchased 3 years ago: 0.00%

DIVIDEND YIELD CALCULATOR

Dividend Yield Today On Last Actual Payout :

 0.00

Estimated Dividend Growth
(Average Of Past Three Years)

  %

Amount Invested

 $ 

Tell Me The Dividend After This Many Years
Past performance is no guarantee for the future. Investors should take into account that heavy swings in share price or exceptional circumstances (a la 2009) can have a significant impact on short term calculations and averages

Last ex-div: 29/03 - ex-div 4.3c (franking 100%)

HISTORICAL DATA ARE ALL IN AUD
Copyright © 2025 FactSet UK Limited. All rights reserved
Title 202020212022202320242025
EPS Basic xxxxxxxxxxxxxxx4.4
DPS All xxxxxxxxxxxxxxx0.0
Sales/Revenue xxxxxxxxxxxxxxx88.7 M
Book Value Per Share xxxxxxxxxxxxxxx38.0
Net Operating Cash Flow xxxxxxxxxxxxxxx-19.7 M
Net Profit Margin xxxxxxxxxxxxxxx7.51 %

EPS Basic

DPS All

Sales/Revenue

Book Value Per Share

Net Operating Cash Flow

Net Profit Margin

Title 202020212022202320242025
Return on Capital Employed xxxxxxxxxxxxxxx12.72 %
Return on Invested Capital xxxxxxxxxxxxxxx3.05 %
Return on Assets xxxxxxxxxxxxxxx1.76 %
Return on Equity xxxxxxxxxxxxxxx12.72 %
Return on Total Capital xxxxxxxxxxxxxxx11.50 %
Free Cash Flow ex dividends xxxxxxxxxxxxxxx-19.8 M

Return on Capital Employed

Return on Invested Capital

Return on Assets

Return on Equity

Return on Total Capital

Free Cash Flow ex dividends

Title 202020212022202320242025
Short-Term Debt xxxxxxxxxxxxxxx8 M
Long Term Debt xxxxxxxxxxxxxxx292 M
Total Debt xxxxxxxxxxxxxxx300 M
Goodwill - Gross xxxxxxxxxxxxxxx-
Cash & Equivalents - Generic xxxxxxxxxxxxxxx120 M
Price To Book Value xxxxxxxxxxxxxxx1.30

Short-Term Debt

Long Term Debt

Total Debt

Goodwill - Gross

Cash & Equivalents - Generic

Price To Book Value

Title 202020212022202320242025
Capex xxxxxxxxxxxxxxx0.2 M
Capex % of Sales xxxxxxxxxxxxxxx0.24 %
Cost of Goods Sold xxxxxxxxxxxxxxx5 M
Selling, General & Admin. Exp & Other xxxxxxxxxxxxxxx44 M
Research & Development xxxxxxxxxxxxxxx-
Investments - Total xxxxxxxxxxxxxxx226 M

Capex

Capex % of Sales

Cost of Goods Sold

Selling, General & Admin. Exp & Other

Research & Development

Investments - Total

EXPERT VIEWS
Display All Commentary

Sentiment Indicator

1.0

No. Of Recommendations

1
BROKER DATE RATING RECOMMENDATION TARGET PRICE % TO REACH TARGET COMMENTARY

Shaw and Partners

31/10/2025

1

Buy, High Risk

$0.85

30.77%

Pioneer Credit re-affirmed FY26 profit guidance above $18m and debt purchases over $80m at its September quarter update, with Shaw and Partners noting increased management confidence.

The broker highlights lower funding costs from a -100bps reduction in its senior secured facility rate, delivering $2.5m in annual savings.  Pioneer Credit’s partnerships with all four major banks are seen as a key competitive advantage in a tightly held market.

Strong cash generation and $142m of forecast FY26 collections provide capacity for future growth, highlights Shaw.

Buy, High Risk rating retained, target raised to 85c from 80c.

FORECAST
Shaw and Partners forecasts a full year FY26 dividend of 0.00 cents and EPS of 10.80 cents.
Shaw and Partners forecasts a full year FY27 dividend of 0.00 cents and EPS of 12.40 cents.
Access Stockbroker Research History >
EXTRA COVERAGE
Display All Commentary

No. Of Recommendations

1

Please note: unlike Broker Call Report, BC Extra is not updated daily. The info you see might not be the latest. FNArena does its best to update ASAP.

BROKER DATE RATING RECOMMENDATION TARGET PRICE % TO REACH TARGET COMMENTARY

Canaccord Genuity

07/10/2025

1

Buy

$0.87

33.85%

Following Canaccord Genuity's acquisition of Wilsons, Pioneer Credit continues to be covered by Lachlan Woods.

Buy. Target Price $0.87.

FORECAST
Canaccord Genuity forecasts a full year FY26 dividend of 0.00 cents and EPS of 11.50 cents.
Canaccord Genuity forecasts a full year FY27 dividend of 0.00 cents and EPS of 12.30 cents.
Access Extra Coverage Research History >

PNC STOCK CHART

FNArena News on PNC

1
Australian Broker Call *Extra* Edition – Oct 07, 2025

Oct 07 2025 - Daily Market Reports
2
Australian Broker Call *Extra* Edition – Sep 04, 2025

Sep 04 2025 - Daily Market Reports
3
FNArena Corporate Results Monitor – 28-08-2025

Aug 28 2025 - Australia
4
Australian Broker Call *Extra* Edition – Aug 13, 2025

Aug 13 2025 - Daily Market Reports
5
FNArena Corporate Results Monitor – 05-03-2025

Mar 05 2025 - Australia

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