What is Pioneer Credit Limited's (PNC.AX) StockRank?

MoatMap's StockRank for Pioneer Credit Limited (PNC.AX) is 45/100, with a Hold signal. This is a composite score combining Quality (49), Value (46), and Momentum (42) factor ranks across MoatMap's 20,000+ stock universe.

Does Pioneer Credit Limited have an economic moat?

Pioneer Credit Limited (PNC.AX) has a Quality factor score of 49/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Pioneer Credit Limited a buy, hold, or sell?

MoatMap's current signal for Pioneer Credit Limited (PNC.AX) is Hold, based on a StockRank of 45/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is Pioneer Credit Limited in?

Pioneer Credit Limited (PNC.AX) operates in the Financial Services sector, specifically the Credit Services industry (Australia).

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PNC.AX

HOLD

Pioneer Credit Limited · Financial Services · Australia · $61M · Avg Vol: $30K/d

StockRank

P/E (TTM)

6.4x

ROE

24.0%

D/E

4.3x

Dividend %

—

Director Trades · 180d

None in 180d →

Buybacks · 180d

None in 180d →

COMPANY DESCRIPTION

Pioneer Credit Limited is an Australian financial services company specializing in the acquisition and servicing of non-performing consumer debt portfolios. The company differentiates itself through a customer-centric, high-compliance servicing model that prioritizes sustainable repayment solutions over aggressive collection. Its competitive advantage lies in its deep relationships with Australia's major banks and a highly sophisticated, data-driven valuation platform.

PRICE (1Y)-3.3%

SMA 50SMA 200

$0.41

RSI (14)

45.7

52W High

$0.55

From 52W High

0.7%

SCORE BREAKDOWN

Quality

ROIC

12.6%89.3

ROE

24.0%90.0

GP/Assets

13.9%79.2

Op. Margin

19.8%37.2

FCF/Assets

—N/A

Piotroski

19.2

Int. Cover

1.2x16.1

D/E Ratio

4.34x7.0

Current Ratio

0.50x14.8

Value

P/E (TTM)

6.4x86.3

EV/EBITDA

—N/A

P/FCF

—N/A

P/B

1.3x42.6

P/S

1.5x81.0

Div Yield

—N/A

Momentum

52W High %

74%21.2

RS 6M

—N/A

SMA 50/200

0.95x19.4

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

+76%80.2

Q Growth

503%95.8

FUNDAMENTALS

Market Cap

$61M

P/E (Forward)

3.6x

Gross Margin

87.9%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of PNC.AX are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
PNC.AX	Pioneer Credit Limited(you)	$61M	45	HOLD
HUM.AX	Humm Group Limited	$161M	33	SELL
SVR.AX	Solvar Limited	$203M	55	HOLD
PLT.AX	Plenti Group Limited	$103M	22	SELL
LFG.AX	Liberty Financial Group Limited	$668M	44	HOLD
PPM.AX	Pepper Money Limited	$513M	33	SELL
CCP.AX	Credit Corp Group Limited	$624M	61	HOLD
ZIP.AX	Zip Co Limited	$2.5B	30	SELL
OFX.AX	OFX Group Limited	$94M	44	HOLD
SNC.AX	Sandon Capital Investments Limited	$85M	59	HOLD

Peer medians: ROE 9.9% · P/E 16.0x · Gross margin 70.4%

Pioneer Credit Limited (PNC.AX) — Stock Score Summary

Pioneer Credit Limited (PNC.AX) has a MoatMap StockRank of 45/100 based on Quality (49/100), Value (46/100), and Momentum (42/100) factor scores. The current signal is HOLD.

Key Financial Metrics

Price	$0.41
Market Cap	$61M
P/E (TTM)	6.39
P/E (Forward)	3.64
Price/Book	1.29
Return on Equity	24.0%
Return on Invested Capital	12.6%
Debt/Equity	433.86
Gross Margin	87.9%
Operating Margin	19.8%
Revenue Growth	9.5%

Pioneer Credit Limited operates in the Credit Services industry, part of the Financial Services sector (Australia).

Frequently Asked Questions

What is Pioneer Credit Limited’s (PNC.AX) StockRank?: MoatMap’s StockRank for Pioneer Credit Limited (PNC.AX) is 45/100, with a Hold signal. It is a composite of Quality (49), Value (46), and Momentum (42) factor ranks across MoatMap’s 20,000+ stock universe.
Does Pioneer Credit Limited have an economic moat?: Pioneer Credit Limited (PNC.AX) has a Quality factor score of 49/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Pioneer Credit Limited a buy, hold, or sell?: MoatMap’s current signal for Pioneer Credit Limited (PNC.AX) is Hold, based on a StockRank of 45/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Pioneer Credit Limited in?: Pioneer Credit Limited (PNC.AX) operates in the Financial Services sector, specifically the Credit Services industry (Australia).