ASX/PNC (ASX/PNC)

Australian Securities Exchange: ASX/PNC · AUD

A$0.60

+0.00 (0.0%)· Recorded snapshot

Market cap	107.6M
Revenue (ttm)	67.6M
Net income (ttm)	23.1M
EPS (ttm)	A$0.14
Shares out	180.8M
P/E (trailing)	4.3x
P/E (forward)	4.0x
Volume	34,549
Beta	0.84

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 67.6M
Net income (ttm): 23.1M
EPS (ttm): A$0.14
P/E (trailing): 4.3x
P/E (forward): 4.0x
Market cap: 107.6M

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-29 19:55 UTC

Forward P/E4

P25 n/aP50 n/aP75 n/a

Trailing P/E4.3

P25 n/aP50 n/aP75 n/a

ROE32

P25 n/aP50 n/aP75 n/a

ROIC3.7

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All ASX/PNC indicators

Market & fundamental data

Available fields

197

Groups with data

Currency

AUD

Showing 197 of 197 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	AUD
Country	Australia
Country code	AU
Earnings date	2026-10-30
Employees	343
Employees change	-16
Employees growth	-4.46%
Exchange	Australian Securities Exchange
Financial currency	AUD
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	June
Founded	2002
Industry	Credit Services
Is primary listing	Yes
ISIN number	AU000000PNC0
Last earnings date	2026-08-19
Last refreshed	2026-10-29
Market cap	AUD 107.6M
Next earnings date	2026-10-30
Price	AUD 0.60
Price currency	AUD
Sector	Financials
SIC code	6159
Stock price date	2026-10-28
Symbol	asx/PNC
Website	https://pioneercredit.com.au

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	4.28x
Earnings yield	23.34%
FCF yield	-21.34%
Forward P/E	4.04x
Graham number	1.28713
Graham upside	116.32%
Industry forward P/E	8.12x
Industry P/E	10.84x
Lynch fair value	AUD 3.47
Lynch upside	483.61%
P/B ratio	1.28x
P/E ratio	4.28x
P/S ratio	1.59x
Price / tangible book value	1.3x
Sector forward P/E	18.2x
Sector P/E	19.94x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Gross margin	87.66%
Operating margin	22.66%
Pretax margin	34.1%
Profit margin	34.1%
Profit per employee	AUD 67,248
Profitable quarters	4
Profitable years	2
Revenue per employee	AUD 197,216
ROA	5.53%
ROA (5Y)	-1.28%
ROE	31.96%
ROE (5Y)	-9.47%
ROIC	3.72%
ROIC (5Y)	-2.83%
SBC / revenue	0.27%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	280.55%
EPS growth (Q)	185.3%
EPS growth (QoQ)	28.27%
EPS growth 10Y	-3.62%
EPS growth 3Y	346.25%
EPS growth quarters	4
EPS growth years	2
Net income growth	246.13%
Net income growth (Q)	158.93%
Net income growth (QoQ)	26.6%
Net income growth 3Y	417.95%
Net income growth quarters	4
Net income growth years	2
Operating income growth	129.84%
Operating income growth (Q)	86.66%
Operating income growth 3Y	348.43%
Revenue growth	14.93%
Revenue growth (Q)	20.37%
Revenue growth (QoQ)	9.62%
Revenue growth 10Y	3.9%
Revenue growth 3Y	10.99%
Revenue growth 5Y	18.51%
Revenue growth quarters	4
Revenue growth years	1

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	AUD -37,000
Depreciation and amortization	AUD 1.5M
EPS	AUD 0.14
FCF per share	AUD -0.13
Financing cash flow	AUD 27.3M
Free cash flow	AUD -23M
Free cash flow minus SBC	AUD -23.1M
Gross profit	AUD 59.3M
Investing cash flow	AUD -37,000
Net borrowing	AUD 28.3M
Net cash flow	AUD 4.3M
Net income	AUD 23.1M
Operating cash flow minus SBC	AUD -23.1M
Operating income	AUD 15.3M
Revenue	AUD 67.6M
Stock-based compensation	AUD 182,000

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	AUD 0.53
Debt / equity	3.92
Net cash (debt)	AUD -320.8M
Net cash / market cap	-298.21%
Net debt / equity	3.83
Piotroski F-Score	3
Property, plant and equipment	AUD 3.9M
Shareholders' equity	AUD 83.7M
Tangible book value	AUD 82.9M
Tangible book value per share	AUD 0.52
Total assets	AUD 445.6M
Total cash	AUD 7.9M
Total debt	AUD 328.7M
Total liabilities	AUD 361.8M
WACC	2.18%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.16
Current ratio	0.43
Quick ratio	0.39
Working capital	AUD -22.9M
Working capital turnover	-3.26

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	9.05%
Dividend growth (3Y)	4.94%
Dividend per share	AUD 0.00
Last dividend	AUD 0.04
Shareholder yield	9.05%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	-66.76%
10Y return CAGR	-9.45%
10Y total return	-62.94%
150-day SMA	AUD 0.64
1D price change	0%
1M price change	-12.5%
1M total return	-12.5%
1W price change	-4.03%
1W total return	-4.03%
1Y price change	-9.85%
1Y return CAGR	-9.85%
1Y total return	-9.85%
20-day SMA	AUD 0.63
200-day SMA	AUD 0.66
3M price change	-5.56%
3M total return	-5.56%
3Y price change	83.08%
3Y return CAGR	22.33%
3Y total return	83.08%
50-day SMA	AUD 0.66
50-day SMA vs 200-day SMA	50over200
52-week high	AUD 0.79
52-week high date	2025-11-20
52-week low	AUD 0.55
52-week low date	2026-02-19
5Y price change	29.35%
5Y return CAGR	5.28%
5Y total return	29.35%
6M price change	-2.46%
6M total return	-2.46%
All-time high	AUD 3.78
All-time high date	2018-03-12
All-time low	AUD 0.20
All-time low date	2020-04-27
Average true range (ATR)	AUD 0.02
Average volume	91K
Beta (1Y)	0.79
Beta (2Y)	0.67
Beta (5Y)	0.84
Change from 52-week high	-24.2%
Change from 52-week low	7.79%
Change from all-time high	-84.26%
Change from all-time low	205.13%
Change from open	0%
Day's gap	0%
Dollar volume	AUD 20,557
High price	AUD 0.60
Low price	AUD 0.59
Monthly RSI	50.04
Open price	AUD 0.60
Position in 52-week range	50%
Previous close	AUD 0.60
Price vs 150-day SMA	-6.99%
Price vs 20-day SMA	-4.91%
Price vs 200-day SMA	-9.16%
Price vs 50-day SMA	-9.26%
Relative volume	0.38
RSI	37.49
Sharpe ratio	0.01
Sharpe ratio (3Y)	0.62
Sharpe ratio (5Y)	0.3
Sortino ratio	0.13
Sortino ratio (3Y)	1.05
Sortino ratio (5Y)	0.57
Volume	34.5K
Weekly RSI	42.17
YTD price change	-10.53%
YTD total return	-10.53%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	131.6M
Shares change (QoQ)	-1.33%
Shares change (YoY)	-9.05%
Shares held by insiders	18.24%
Shares held by institutions	27.32%
Shares outstanding	180.8M

Deeper analysis on ASX/PNC

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this ASX/PNC report

Is a complete ASX/PNC research report available?

No complete published report is available for asx/PNC (ASX/PNC) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

ASX/PNC (ASX/PNC)

Price

Financial snapshot

Fair-value bridge

Latest news · ASX/PNC

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All ASX/PNC indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on ASX/PNC

Frequently asked questions