YOLFTbeta
Pioneer Credit Ltd

Pioneer Credit Ltd

PNC · AU · Financial Services / Credit Services

0.595AUD-0.05 (-7.03%)

Price History

Full chart

Market Stats

Previous Close0.64
Open0.60
Day Range0.585 – 0.60
52-Week Range0.5525 – 0.785
Volume106.72K
Market Cap120.00M
P/E (TTM)4.17
Forward P/E4.42
EPS0.15
Dividend Yield0.00%
Beta0.86
50-Day Avg0.6632
200-Day Avg0.659

About

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.

Company Details

  • SectorFinancial Services
  • IndustryCredit Services
  • CEOMr. Keith Roy John
  • Employees343
  • Headquarters108 St Georges Terrace, Perth, WA, Australia, 6000, Australia
  • Websitehttps://pioneercredit.com.au

Leadership

  • Mr. Keith Roy JohnFounder, MD & Director
  • Mr. Barry HartnettChief Financial Officer
  • Ms. Susan Diana Symmons ACIS, B.Comm, MAICDGeneral Counsel & Company Secretary · b. 1963
  • Ms. Catarina Le GuimaraesHead of Risk & Compliance
  • Ms. Chantelle HadleyHead of Corporate Services
  • Mr. Mario RibeiroHead of Intelligent Automation
  • Ms. Tracy ChangHead of Finance
  • Heath TrewhellaHead of IT
  • Tate O'ConnorHead of Data & Analytics

Financials

Income Statement

Currency: AUD2011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Total Revenue4.53M9.53M15.70M25.69M38.70M60.91M56.27M80.66M70.09M53.80M53.40M53.66M78.97M65.74M367.00K101.10M
Growth (%)-+110.46%+64.67%+63.66%+50.61%+57.41%-7.63%+43.35%-13.11%-23.23%-0.75%+0.50%+47.16%-16.76%-99.44%+27447.68%
Cost of Revenue---4.64M4.09M2.89M3.68M5.35M6.47M8.46M5.78M5.51M5.80M6.02M37.78M-
Gross Profit--15.70M25.69M38.70M58.02M52.59M75.30M63.61M45.34M47.62M48.15M73.17M65.74M-37.41M101.10M
Gross Margin--100.00%100.00%100.00%95.26%93.46%93.36%90.77%84.27%89.18%89.73%92.65%100.00%-10194.01%100.00%
Operating Expense--10.64M21.96M26.57M28.81M33.94M45.86M52.81M51.75M40.10M42.04M60.77M58.85M-44.08M48.70M
Operating Income524.00K3.15M5.05M3.73M12.13M29.22M18.65M29.44M10.80M-6.41M7.51M6.11M12.40M6.88M6.67M52.40M
Operating Margin11.57%33.03%32.20%14.54%31.34%47.97%33.15%36.50%15.41%-11.91%14.07%11.39%15.70%10.47%1817.44%51.83%
EBITDA--5.43M2.74M11.82M14.93M16.72M31.85M17.96M-1.02M11.30M8.93M35.50M13.45M45.95M50.20M
EBITDA Margin--34.59%10.66%30.55%24.52%29.71%39.49%25.62%-1.89%21.16%16.65%44.96%20.46%12519.35%49.65%
Net Income--3.52M1.05M7.44M9.45M10.75M17.60M4.28M-40.08M-19.66M-33.09M166.00K-10.04M6.66M23.20M
Net Income Margin--22.42%4.07%19.23%15.51%19.11%21.82%6.11%-74.50%-36.81%-61.67%0.21%-15.27%1815.80%22.95%
R&D-----0.230.210.240.090.820.320.610---
R&D as % of Total Revenue-----0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%---
Interest Expense0001.44M1.51M2.41M3.31M5.24M8.42M38.47M26.22M38.59M33.17M43.02M37.78M27.00M
Interest Expense % of Total Revenue0.00%0.00%0.00%5.62%3.91%3.96%5.88%6.49%12.02%71.51%49.10%71.91%42.00%65.44%10294.01%26.71%

Balance Sheet

Currency: AUD2011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Total Assets14.77M25.72M41.96M70.30M94.91M127.41M180.16M244.80M284.01M286.93M270.32M339.45M326.75M367.94M388.58M445.55M
Total Liabilities8.44M11.71M28.89M22.70M42.03M62.65M89.87M143.08M181.27M222.97M215.65M298.38M284.82M323.74M328.00M361.80M
Total Equity6.33M14.01M13.07M47.60M52.88M64.76M90.29M101.71M102.74M63.96M54.67M41.08M41.93M44.19M60.58M83.80M
Cash1.64M943.00K967.00K4.46M2.17M4.89M3.14M3.41M11.18M11.02M10.37M23.07M8.41M4.15M3.56M7.90M
Total Debt--17.34M7.39M32.87M53.41M80.39M129.03M169.39M214.58M207.47M266.71M275.72M293.35M304.56M324.60M
Net Debt--16.37M2.93M30.70M48.52M77.25M125.62M158.21M203.56M197.09M243.64M267.31M282.47M301.00M316.70M

Cash Flow

Currency: AUD2013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Operating Cash Flow12.61M22.51M28.18M24.63M26.68M48.51M47.09M57.98M-17.02M-46.76M-19.96M-28.83M-12.59M70.00M
Investing Cash Flow-27.30M-32.61M-53.68M-43.11M-68.83M-88.95M-77.17M-60.89M-28.96M-812.00K-478.00K-707.00K-217.00K-93.80M
Financing Cash Flow14.77M13.58M23.22M21.20M40.39M40.71M37.86M2.74M15.51M60.27M5.78M25.28M12.22M28.10M
Capital Expenditure911.00K927.00K4.26M1.06M115.00K3.50M2.25M662.00K1.43M812.00K478.00K707.00K217.00K70.00M
Free Cash Flow11.70M21.59M23.92M23.57M26.56M45.01M44.84M57.32M-18.45M-47.57M-20.44M-29.54M-12.81M-22.96M
Dividends Paid-3.93M2.20M4.74M5.17M7.27M7.48M421.00K12.54M233.16M----
FCF to OCF92.78%95.88%84.89%95.70%99.57%92.79%95.23%98.86%108.39%101.74%102.39%102.45%101.72%-32.80%
Dividend Paid to FCF-18.21%9.20%20.09%19.46%16.16%16.67%0.73%-68.00%-490.15%----

Earnings

Report DateFeb 22, 2016Aug 19, 2016Feb 3, 2017Aug 24, 2017Feb 26, 2018Aug 24, 2018Feb 25, 2019Sep 29, 2019Feb 28, 2020Sep 24, 2020Feb 25, 2021Aug 31, 2021Feb 23, 2022Sep 1, 2022Feb 16, 2023Feb 26, 2025Aug 27, 2025
EPS Estimate0.000.000.000.130.080.140.120.170.140.190.15----0.010.06
EPS Actual0.070.130.080.120.130.150.08-0.02-0.10-0.63-0.13-0.17-0.29-0.12-0.010.010.03
Surprise----7.34%69.49%4.90%-33.88%-111.63%-169.93%-428.13%-185.53%----66.67%-47.37%
Timing-------------Pre-marketAfter-hours-After-hours

Key Statistics & Ratios

Market Cap120.00M
Enterprise Value319.18M
Trailing P/E4.17
Forward P/E4.42
Price / Sales1.77
Price / Book1.56
EPS0.15
Book Value0.53
Revenue (TTM)67.64M
Gross Profit (TTM)59.30M
Profit Margin34.10%
Operating Margin25.24%
Return on Equity31.96%
Return on Assets5.53%
Shares Outstanding192.00M
Shares Float131.54M
Beta0.86
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Dividends

20201×
0.24Apr 6, 2020
20191×
0.04Mar 29, 2019
20182×
0.08Sep 27, 20180.07Mar 28, 2018
20172×
0.05Aug 29, 20170.04Mar 30, 2017
20162×
0.06Sep 29, 20160.04Mar 30, 2016
20152×
0.07Sep 28, 20150.02Mar 27, 2015
20141×
0.03Sep 26, 2014

Stock Splits

  • Apr 10, 20173389:3375