Pioneer Credit Financials

PNC Stock   0.44  0.04  10.00%   
We recommend to use Pioneer Credit analysis to find out if markets are presently mispricing the firm. We were able to break down twenty-seven available financial ratios for Pioneer Credit, which can be compared to its competitors. The stock experiences a very speculative upward sentiment. Check odds of Pioneer Credit to be traded at 0.55 in 90 days. Key indicators impacting Pioneer Credit's financial strength include:
Operating Margin
0.064
Profit Margin
(0.24)
EPS Estimate Current Year
0.0681
Return On Equity
(0.17)
  
Please note, the imprecision that can be found in Pioneer Credit's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Pioneer Credit. Check Pioneer Credit's Beneish M Score to see the likelihood of Pioneer Credit's management manipulating its earnings.

Pioneer Credit Stock Summary

Pioneer Credit competes with Platinum Asset, Centuria Industrial, Microequities Asset, Flagship Investments, and Centaurus Metals. Pioneer Credit is entity of Australia. It is traded as Stock on AU exchange.
Foreign Associate
  USA
Specialization
Financial Services, Financial Services
InstrumentAustralia Stock View All
ExchangeAustralian Securities Exchange
ISINAU000000PNC0
Business Address108 St Georges
SectorFinancial Services
IndustryFinancials
BenchmarkDow Jones Industrial
Websitepioneercredit.com.au
Phone61 8 9323 5000
You should never invest in Pioneer Credit without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of Pioneer Stock, because this is throwing your money away. Analyzing the key information contained in Pioneer Credit's financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.

Pioneer Credit Key Financial Ratios

Pioneer Credit's financial ratios allow both analysts and investors to convert raw data from Pioneer Credit's financial statements into concise, actionable information that can be used to evaluate the performance of Pioneer Credit over time and compare it to other companies across industries.

Pioneer Credit Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets270.3M339.5M326.8M367.9M423.1M444.3M
Other Liab919K1.2M971K872K784.8K745.6K
Retained Earnings(39.0M)(72.1M)(71.9M)(80.6M)(72.6M)(69.0M)
Accounts Payable4.0M1.1M1.1M3.8M3.4M2.8M
Cash10.4M23.1M8.4M4.1M4.8M7.1M
Other Assets2.3M1.5M1.4M(119.9M)(107.9M)(102.5M)
Total Liab215.6M298.4M284.8M323.7M372.3M390.9M
Intangible Assets1.6M958K489K786K707.4K1.3M
Common Stock81.8M103.6M103.8M117.7M135.3M68.1M
Net Debt197.1M243.6M267.3M282.5M324.8M341.1M
Total Current Assets85.5M126.5M116.7M124.0M142.6M88.0M
Other Current Liab(10.6M)(23.4M)(13.5M)22.9M20.6M21.6M
Net Tangible Assets63.0M53.1M40.1M41.4M37.3M52.0M
Net Receivables908K6.2M1.5M4.3M5.0M3.3M
Inventory5.0M634K116.7M1.5M1.7M1.6M
Other Current Assets818K979K693K1.5M1.7M1.8M
Short Long Term Debt425K20.4M11.3M254.3M292.4M307.0M
Short Term Debt6.5M22.3M12.5M255.5M293.9M308.6M
Long Term Debt Total5.7M204.0M245.4M263.3M302.8M317.9M

Pioneer Credit Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense26.2M38.6M33.2M43.0M49.5M51.9M
Total Revenue52.7M53.7M77.5M33.0M37.9M49.7M
Operating Income8.8M5.5M33.3M(13.1M)(15.1M)(14.4M)
Income Before Tax(16.9M)(33.0M)170K(31.4M)(28.3M)(26.8M)
Income Tax Expense2.8M53K4K(21.4M)(19.2M)(18.3M)
Gross Profit47.0M48.1M71.7M27.0M31.0M52.1M
Ebit7.5M6.1M33.3M11.6M13.4M13.8M
Ebitda11.3M8.9M35.5M13.4M15.5M15.5M
Net Income(19.7M)(33.1M)166K(10.0M)(9.0M)(8.6M)
Cost Of Revenue5.8M5.5M5.8M6.0M6.9M5.9M
Tax Provision2.8M53K4K(21.4M)(19.2M)(18.3M)
Interest Income25.5M28.6M186K414K476.1K452.3K
Net Interest Income(26.7M)(39.1M)(33.7M)(43.2M)(38.9M)(36.9M)

Pioneer Credit Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash(646K)12.7M(14.7M)(4.3M)(3.8M)(3.6M)
Free Cash Flow(18.4M)(47.6M)(20.4M)(29.5M)(26.6M)(25.3M)
Depreciation3.3M2.1M1.6M1.8M2.1M1.8M
Other Non Cash Items15.9M(17.1M)(22.6M)1.2M1.1M999.5K
Capital Expenditures1.4M812K478K707K636.3K1.1M
Net Income(19.7M)(33.1M)166K(10.0M)(9.0M)(8.6M)
End Period Cash Flow10.4M23.1M8.4M4.1M4.8M8.0M
Investments(29.8M)(812K)(478K)(707K)(813.1K)(853.7K)
Net Borrowings6.7M24.7M56.8M5.8M6.6M6.3M
Dividends Paid7.5M421K12.5M233.2M268.1M281.5M
Change To Netincome85.0M49.5M3.8M3.9M4.5M4.3M

Pioneer Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Pioneer Credit's current stock value. Our valuation model uses many indicators to compare Pioneer Credit value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Pioneer Credit competition to find correlations between indicators driving Pioneer Credit's intrinsic value. More Info.
Pioneer Credit is rated below average in return on equity category among its peers. It also is rated below average in return on asset category among its peers . The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Pioneer Credit's earnings, one of the primary drivers of an investment's value.

Pioneer Credit Systematic Risk

Pioneer Credit's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Pioneer Credit volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
Incorrect Input. Please change your parameters or increase the time horizon required for running this function. The output start index for this execution was zero with a total number of output elements of zero. The Beta measures systematic risk based on how returns on Pioneer Credit correlated with the market. If Beta is less than 0 Pioneer Credit generally moves in the opposite direction as compared to the market. If Pioneer Credit Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Pioneer Credit is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Pioneer Credit is generally in the same direction as the market. If Beta > 1 Pioneer Credit moves generally in the same direction as, but more than the movement of the benchmark.

Pioneer Credit Total Assets Over Time

Pioneer Credit Thematic Clasifications

Pioneer Credit is part of Banks investing theme. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. All money banks and credit services. Large and small money and credit banks and credit services
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This theme covers All money banks and credit services. Large and small money and credit banks and credit services. Get More Thematic Ideas

Pioneer Credit March 21, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Pioneer Credit help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Pioneer Credit. We use our internally-developed statistical techniques to arrive at the intrinsic value of Pioneer Credit based on widely used predictive technical indicators. In general, we focus on analyzing Pioneer Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Pioneer Credit's daily price indicators and compare them against related drivers.

Additional Tools for Pioneer Stock Analysis

When running Pioneer Credit's price analysis, check to measure Pioneer Credit's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Pioneer Credit is operating at the current time. Most of Pioneer Credit's value examination focuses on studying past and present price action to predict the probability of Pioneer Credit's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Pioneer Credit's price. Additionally, you may evaluate how the addition of Pioneer Credit to your portfolios can decrease your overall portfolio volatility.