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Home CompaniesPioneer Credit Ltd

Pioneer Credit Ltd

Financial Services Credit Services
PortfolioPortfolio WatchlistWatchlist
Company price
0.65 AUD 0.04 ( 5.69%)
Last update at 2026-11-06T05:10:00Z
VOLUME
21331
Market Cap
118.08M
P/E
4.10

Momentum Score

…

Pioneer Credit Limited, together with its subsidiaries, engages in the acquisition and service of purchase debt portfolios in Australia. The company was incorporated in 2002 and is based in Perth, Australia.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
0.61
Low
0.65
High
52 Week Price Range
0.55
Low
0.79
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Pioneer Credit Ltd is an Australian debt purchaser and receivables manager that buys non‑performing consumer loans and provides collections services in Australia and New Zealand. Growth drivers include access to discounted portfolios, demand for outsourced recovery services and efficiency gains from digital, data-driven collections. Investors may view it as positioned to generate recurring cash flows as portfolios are worked.
Key risks include regulatory changes to consumer protections and privacy, cyclical variability in recovery rates, litigation and reputational exposure, dependence on portfolio supply and financing, and competitive pressure.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
0.61
Dividend Yield
-
Revenue TTM
67.64M
Revenue Per Share
0.43
Gross Profit TTM
59.30M
Debt / Equity
3.92
ROE
31.96%
Net Debt
320.30M
ROCE
14.81%
Diluted EPS TTM
0.15

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Income before tax 23.20M 6.67M -31.40M 0.17M -33.04M
Net income 23.20M 6.66M -10.04M 0.17M -33.09M
Selling general administrative - 36.05M 9.01M 37.35M 36.25M
Selling and marketing expenses - - 37.11M - -
Gross profit 101.10M -37.41M 65.74M 77.48M 53.66M
Reconciled depreciation - 1.50M 1.83M 2.23M 2.82M
Ebit - 44.45M 11.62M 33.27M 5.57M
Ebitda 50.20M 45.95M 13.45M 35.50M 8.39M
Depreciation and amortization - 1.50M 1.83M 2.23M 2.82M
Operating income 52.40M 6.67M 6.88M 33.27M 5.46M
Other operating expenses 48.70M -6.30M 58.85M 49.30M 58.74M
Interest expense 27.00M 37.78M 43.02M 33.17M 38.59M
Tax provision - 0.01M -21.36M 0.00M 0.05M
Interest income - 0.37M 0.41M 0.19M 28.62M
Net interest income - -37.94M -43.21M -33.65M -39.13M
Income tax expense - 0.01M -21.36M 0.00M 0.05M
Total revenue 101.10M 0.37M 65.74M 77.48M 53.66M
Total operating expenses 48.70M -44.08M 58.85M 48.79M 48.20M
Cost of revenue - 37.78M 6.02M - -
Total other income expense net -29.20M -14.66M -38.28M 5.14M 0.63M
Net income from continuing ops - 6.66M -10.04M 0.17M -33.09M
Net income applicable to common shares - 6.66M -10.04M 0.17M -33.09M
Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Total assets 449.30M 388.58M 367.94M 326.75M 339.45M
Intangible assets - 0.90M - 0.49M 0.96M
Other current assets - 1.05M -122.54M 0.69M 0.98M
Total liab 365.40M 328.00M 323.74M 284.82M 298.38M
Total stockholder equity 83.80M 60.58M 44.19M 41.93M 41.08M
Other current liab - - -254.09M 7.17M 29.64M
Common stock 129.70M - 117.66M 103.75M 103.59M
Capital stock - 130.75M - 103.75M 103.59M
Retained earnings -47.90M -71.04M -80.65M -71.89M -72.05M
Other liab - - - 0.87M 0.97M
Other assets - - 367.94M 1.39M 1.45M
Cash 7.90M 3.56M 4.15M 8.41M 23.07M
Total current liabilities - 34.76M 254.09M 20.68M 52.03M
Net debt 320.30M 294.04M 289.20M 267.31M 243.64M
Short term debt - - 254.09M 12.45M 21.34M
Short long term debt - 10.89M - 11.34M 20.38M
Short long term debt total 328.20M - 293.35M 275.72M 266.71M
Other stockholder equity - - - -31.87M -31.54M
Property plant equipment - - - 8.10M 9.25M
Total current assets 22.60M 131.14M - 116.69M 126.53M
Long term investments - 226.24M - 198.19M 199.22M
Net tangible assets - - - 41.44M 40.12M
Short term investments - 116.72M 114.06M 106.10M 96.30M
Net receivables 14.70M 7.03M 4.33M 1.49M 6.17M
Long term debt - 286.71M - 255.12M 236.28M
Accounts payable - 3.35M - 1.06M 1.06M
Accumulated other comprehensive income 2.00M - 7.18M 10.06M 9.54M
Non currrent assets other 400.60M 1.51M -28.31M 3.29M 3.50M
Non current assets total 426.70M 257.44M 34.23M 210.06M 212.93M
Capital lease obligations - 6.96M - 9.27M 10.05M
Long term debt total - - - 263.27M 245.37M
Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Investments - -0.22M -0.71M -0.48M -0.81M
Change to liabilities - - - -22.73M 29.61M
Total cashflows from investing activities -93.80M -0.22M -0.71M -0.48M -0.81M
Net borrowings - 11.90M 17.53M 5.78M 56.81M
Total cash from financing activities 28.10M 12.22M 25.28M 5.78M 60.27M
Change to operating activities - - - -3.53M -49.86M
Net income 23.20M 6.66M -10.04M 0.17M -33.09M
Change in cash 4.34M -0.59M -4.26M -14.66M 12.70M
Begin period cash flow 3.56M 4.15M 8.41M 23.07M 10.37M
End period cash flow 7.90M 3.56M 4.15M 8.41M 23.07M
Total cash from operating activities 70.00M -12.59M -28.83M -19.96M -46.76M
Issuance of capital stock - 9.43M 9.46M - 12.54M
Depreciation - - 1.83M 1.58M 2.12M
Other cashflows from investing activities -93.80M -0.17M -0.63M -0.22M -0.12M
Dividends paid - - - - 233.16M
Change to account receivables - -2.84M -2.84M 4.75M -49.47M
Sale purchase of stock - 9.19M 9.46M 0.00M -2.37M
Other cashflows from financing activities -2.10M -9.11M -1.71M -1.61M 457.41M
Change to netincome - - - 3.90M 3.82M
Capital expenditures 70.00M 0.22M 0.71M 0.48M 0.81M
Change in working capital - -24.82M -23.34M -26.26M -75.73M
Stock based compensation - - 1.55M 0.84M 1.27M
Other non cash items 46.80M 12.23M 1.17M -22.55M -17.06M
Free cash flow - -12.81M -29.54M -20.44M -47.57M

Peer Comparison*

Sector: Financial Services Industry: Credit Services

Stock Name
Change
(AUD)
Price
(AUD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
PNC
Pioneer Credit Ltd		 0.04
5.69%		 0.65 4.10 3.96 1.75 1.39 2.97 5.96
ZIP
ZIP Co Ltd		 -0.12
5.61%		 2.02 20.10 12.32 1.87 3.53 3.52 11.32
CCP
Credit Corp Group Ltd		 0.07
0.45%		 15.64 10.05 8.78 2.22 1.13 2.50 7.39
LFG
Liberty Financial Group		 -
-%		 3.35 7.13 6.71 1.63 0.86 40.84 11.07
LFS
Latitude Group Holdings Ltd		 0.04
4.22%		 0.86 9.22 - 1.59 0.66 6.49 13.37

Profile*

Pioneer Credit Ltd

Pioneer Credit Limited, together with its subsidiaries, engages in the acquisition and service of purchase debt portfolios in Australia. The company was incorporated in 2002 and is based in Perth, Australia.

108 St Georges Terrace, Perth, WA, Australia, 6000

61 1 300 720 823

https://pioneercredit.com.au

343

Name Title Year Born
Mr. Keith Roy John Founder, MD & Director NA
Mr. Barry Hartnett Chief Financial Officer NA
Ms. Andrea Hoskins Chief Operating Officer NA
Mr. Joe Terribile Chief Information Officer NA
Ms. Susan Diana Symmons ACIS, B.Comm, MAICD Gen. Counsel & Company Sec. 1963
Mr. Jonty Gibbs Group Financial Controller NA
Ms. Susan Diana Symmons ACIS, B.Comm, MAICD General Counsel & Company Secretary 1963
Mr. Ian Brunette Chief Information Officer NA
Ms. Susan Diana Symmons ACIS, B.Comm, MAICD General Counsel & Company Secretary 1963
Mr. Ian Brunette Chief Information Officer NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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