Financials Pioneer Credit Limited

Equities

PNC

AU000000PNC0

Corporate Financial Services

Market Closed - Australian S.E. 07:10:12 09/05/2024 BST 5-day change 1st Jan Change
0.45 AUD 0.00% Intraday chart for Pioneer Credit Limited +4.65% +7.14%

Valuation

Fiscal Period: June 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 168.2 17.8 33.74 45.74 33.53 60.3 -
Enterprise Value (EV) 1 326.4 17.8 33.74 279.3 291.6 60.3 60.3
P/E ratio 41.3 x -0.45 x -1.64 x -1.03 x 185 x 14.1 x 4.17 x
Yield 1.6% - - - - - -
Capitalization / Revenue 2.23 x 0.32 x - 0.43 x 0.24 x 0.67 x 0.6 x
EV / Revenue 2.23 x 0.32 x - 0.43 x 0.24 x 0.67 x 0.6 x
EV / EBITDA 2.71 x - - 0.76 x 0.39 x 1.43 x 1.33 x
EV / FCF -5.59 x - - - 0.55 x 1.13 x 1.02 x
FCF Yield -17.9% - - - 183% 88.2% 98.5%
Price to Book - - - - - - -
Nbr of stocks (in thousands) 62,286 62,454 67,483 110,218 106,458 134,009 -
Reference price 2 2.700 0.2850 0.5000 0.4150 0.3150 0.4500 0.4500
Announcement Date 29/09/19 24/09/20 31/08/21 31/08/22 28/08/23 - -
1AUD in Million2AUD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: June 2019 2020 2021 2022 2023 2024 2025
Net sales 1 75.31 55.94 - 106.8 138.8 89.4 100.1
EBITDA 1 62.14 - - 60.58 86.1 42.1 45.3
EBIT 1 59.2 - - 3.365 31.2 39.9 42.8
Operating Margin 78.61% - - 3.15% 22.47% 44.63% 42.76%
Earnings before Tax (EBT) 6.597 - - -33.04 - - -
Net income 1 4.281 - -19.66 -33.09 - 3.5 14.5
Net margin 5.68% - - -31% - 3.91% 14.49%
EPS 2 0.0654 -0.6336 -0.3043 -0.4048 0.001700 0.0320 0.1080
Free Cash Flow 1 -30.09 - - - 61.33 53.2 59.4
FCF margin -39.95% - - - 44.17% 59.51% 59.34%
FCF Conversion (EBITDA) - - - - 71.23% 126.37% 131.13%
FCF Conversion (Net income) - - - - - 1,520% 409.66%
Dividend per Share 0.0431 - - - - - -
Announcement Date 29/09/19 24/09/20 31/08/21 31/08/22 28/08/23 - -
1AUD in Million2AUD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: June 2023 S1 2023 S2 2024 S1 2024 S2 2025 S1 2025 S2
Net sales - 64.56 - - - -
EBITDA - 40.9 - - - -
EBIT - 18.1 - - - -
Operating Margin - 28.04% - - - -
Earnings before Tax (EBT) - - - - - -
Net income -1.275 - 0.032 - - -
Net margin - - - - - -
EPS -0.0120 0.0137 0.000200 - - -
Dividend per Share - - - - - -
Announcement Date 15/02/23 28/08/23 29/02/24 - - -
Estimates

Balance Sheet Analysis

Fiscal Period: June 2019 2020 2021 2022 2023 2024 2025
Net Debt 158 - - 234 258 - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) 2.546 x - - 3.856 x 2.997 x - -
Free Cash Flow 1 -30.1 - - - 61.3 53.2 59.4
ROE (net income / shareholders' equity) 4.19% - - -69.1% 0.4% - -
ROA (Net income/ Total Assets) 1.62% - - -10.9% 0.05% - -
Assets 1 264.4 - - 304.9 - - -
Book Value Per Share - - - - - - -
Cash Flow per Share 0.7900 - - - - - -
Capex 0.52 - - 0.7 - - -
Capex / Sales 0.7% - - 0.65% - - -
Announcement Date 29/09/19 24/09/20 31/08/21 31/08/22 28/08/23 - -
1AUD in Million
Estimates
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