Pioneer Credit Limited (PNC) Fair Value & Analysis
Financial Services · AU · Market cap A$98.0M
Fair value as of: Jun 26, 2026
From 15 valuation models · updated 3 days ago
Share price +16.1% over the past month.
Price vs Fair Value (12 months)
12‑month range A$0.4850 – A$0.7600 · fair‑value band A$0.4000 – A$0.6700 · the A$0.6850 price screens above the A$0.5400 fair value. As of Jun 26, 2026.
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Pioneer Credit Limited (PNC) currently trades at A$0.6850, while our model-based Fair Value estimate is A$0.5400 — implying the stock looks roughly 21.2% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).
Over the trailing twelve months, Pioneer Credit Limited generated revenue of A$61.7M at a net margin of 24.6%. Revenue grew 9.5% year over year. It earns a return on equity of 24.0%. Net debt stands at A$301M. Fundamentals as of Jun 26, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
About the company
Pioneer Credit Limited, together with its subsidiaries, provides financial services in Australia. It acquires and services purchase debt portfolios. The company was incorporated in 2002 and is based in Perth, Australia.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Pioneer Credit Limited reported revenue of A$367K in FY2025 versus A$53.4M in FY2021, a compound −71.2%/yr. Reported net income was A$6.7M in FY2025.
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.