Home / PNC.AX : ASX

AI Analysis Fundamentals Valuation Video Analysis Similar

AI Analysis

How does PNC.AX make money? Does PNC.AX have pricing power? What's the Earnings Whisper? Will PNC.AX profit more as the business scales? What is PNC.AX's management track record? Is PNC.AX's current price justified?

Pioneer Credit Limited

AUD 0.67 -$0.01 (-1.47%)

ASX · 15 Sep 2026 05:45 UTC

Previous Close

AUD 0.67

Day Range

AUD 0.66AUD 0.67

Year Range

AUD 0.55AUD 0.79

Market Cap

107.58M

AVG Volume

103.85K

Trailing/Forward PE

4.64/4.55

PEG ratio

0.78

Dividend Yield

Next Earnings Date

2027-03-01

Primary Exchange

Australian Securities Exchange

Revenue (AUD)

PNC.AX Revenue (AUD) by quarter
Period	Revenue (AUD)
26 Q4	52.6M
26 Q2	48.5M
25 Q4	29.39M
25 Q2	29.47M
24 Q4	5.57M
24 Q2	27.4M
23 Q4	26.49M
23 Q2	22.98M
22 Q4	25.51M
22 Q2	28.36M

Net Income (AUD)

PNC.AX Net Income (AUD) by quarter
Period	Net Income (AUD)
26 Q4	13.02M
26 Q2	10.18M
25 Q4	4.98M
25 Q2	1.69M
24 Q4	-10.07M
24 Q2	32K
23 Q4	1.44M
23 Q2	-1.27M
22 Q4	-10.23M
22 Q2	-22.86M

Operating Income (AUD)

PNC.AX Operating Income (AUD) by quarter
Period	Operating Income (AUD)
26 Q4	22.91M
26 Q2	24.12M
25 Q4	11.9M
25 Q2	9.44M
24 Q4	10.7M
24 Q2	26.81M
23 Q4	1.35M
23 Q2	-1M
22 Q4	2.43M
22 Q2	3.68M

EBITDA (AUD)

PNC.AX EBITDA (AUD) by quarter
Period	EBITDA (AUD)
26 Q4	13.02M
26 Q2	20.45M
25 Q4	22.63M
25 Q2	19.63M
24 Q4	11.54M
24 Q2	20.68M
23 Q4	16M
23 Q2	-270K
22 Q4	3.43M
22 Q2	5.5M

Cash Flows (AUD)

PNC.AX Cash Flows (AUD) by quarter
Period	Cash Flows (AUD)
26 Q4	0
26 Q2	671K
25 Q4	-2.8M
25 Q2	-9.84M
24 Q4	-12.33M
24 Q2	-17M
23 Q4	4.07M
23 Q2	-24.51M
22 Q4	-56.63M
22 Q2	9.06M

EPS (AUD)

PNC.AX EPS (AUD) by quarter
Period	EPS (AUD)
26 Q4	0.08
26 Q2	0.06
25 Q4	0.03
25 Q2	0.01
24 Q4	-0.04
24 Q2	0
23 Q4	0.01
23 Q2	-0.01
22 Q4	-0.11
22 Q2	-0.29

Expenses (AUD)

PNC.AX Expenses (AUD) by quarter
Period	Expenses (AUD)
26 Q4	69.32M
26 Q2	13K
25 Q4	17.52M
25 Q2	20.05M
24 Q4	25.54M
24 Q2	13.92M
23 Q4	19.15M
23 Q2	18.4M
22 Q4	9.75M
22 Q2	9.43M

Cash & Debt (AUD)

PNC.AX Cash & Debt (AUD) by quarter
Period	Cash & Debt (AUD)
26 Q4	140.11M
26 Q2	136.38M
25 Q4	120.28M
25 Q2	110.41M
24 Q4	118.21M
24 Q2	127.2M
23 Q4	114.51M
23 Q2	108.09M
22 Q4	119.37M
22 Q2	85.83M

Debt ratios

PNC.AX Debt ratios by quarter
Period	Debt ratios
26 Q4	2.44
26 Q2	2.36
25 Q4	2.47
25 Q2	2.41
24 Q4	3.65
24 Q2	4.2
23 Q4	6.54
23 Q2	10.53
22 Q4	7.28
22 Q2	9.4

Margins

PNC.AX Margins by quarter
Period	Margins
26 Q4	100%
26 Q2	92.16%
25 Q4	100%
25 Q2	100%
24 Q4	100%
24 Q2	219.54%
23 Q4	100%
23 Q2	100%
22 Q4	90.05%
22 Q2	89.51%

Return on Capital

PNC.AX Return on Capital by quarter
Period	Return on Capital
26 Q4	15.54%
26 Q2	14.41%
25 Q4	8.22%
25 Q2	3.03%
24 Q4	-22.79%
24 Q2	0.07%
23 Q4	3.44%
23 Q2	-3.17%
22 Q4	-24.91%
22 Q2	-63.75%

Shares Outstanding

PNC.AX Shares Outstanding by quarter
Period	Shares Outstanding
26 Q4	162.36M
26 Q2	158.74M
25 Q4	181.75M
25 Q2	183.37M
24 Q4	250.16M
24 Q2	320M
23 Q4	274.11M
23 Q2	98.68M
22 Q4	91.23M
22 Q2	78.64M

Dividends (AUD)

PNC.AX Dividends (AUD) by quarter
Period	Dividends (AUD)
Mar 19	0.07
Sep 18	0.12
Mar 18	0.1
Aug 17	0.06
Mar 17	0.06
Sep 16	0.09
Mar 16	0.06
Sep 15	0.1
Mar 15	0.03
Sep 14	0.05

Book Value Per Share (AUD)

PNC.AX Book Value Per Share (AUD) by quarter
Period	Book Value Per Share (AUD)
26 Q4	0.52
26 Q2	0.45
25 Q4	0.33
25 Q2	0.3
24 Q4	0.18
24 Q2	0.14
23 Q4	0.15
23 Q2	0.41
22 Q4	0.45
22 Q2	0.46

Total Assets (AUD)

PNC.AX Total Assets (AUD) by quarter
Period	Total Assets (AUD)
26 Q4	445.55M
26 Q2	396.51M
25 Q4	388.58M
25 Q2	370.7M
24 Q4	367.94M
24 Q2	366.11M
23 Q4	326.75M
23 Q2	330.88M
22 Q4	339.45M
22 Q2	269.85M

PE Ratio

PNC.AX PE Ratio by quarter
Period	PE Ratio
Sep 26	15.76
Sep 26	15.82
Sep 26	15.47
Aug 26	16.53
Aug 26	16.06
Aug 26	15.94
Aug 26	15.82
Jul 26	14.3
Jul 26	15
Jul 26	16.29
Jul 26	16.41
Jul 26	16.17
Jun 26	16.06
Jun 26	16.41
Jun 26	16.41
Jun 26	14.3
May 26	14.06
May 26	14.18
May 26	14.06
May 26	15
May 26	13.83
Apr 26	13.83
Apr 26	14.3
Apr 26	14.18
Apr 26	13.83
Sep 20	2.77
Sep 20	2.55
Sep 20	2.55
Sep 20	2.55
Aug 20	2.55
Aug 20	2.55
Aug 20	2.55
Aug 20	2.55
Jul 20	2.55
Jul 20	2.55
Jul 20	2.55
Jul 20	2.55
Jul 20	2.55
Jun 20	2.55
Jun 20	2.55
Jun 20	2.55
Jun 20	2.55
May 20	2.64
May 20	2.64
May 20	2.82
May 20	2.01
May 20	2.01
Apr 20	1.97
Apr 20	2.41
Apr 20	5.63
Apr 20	5.9
Mar 20	0.97
Mar 20	2.08
Mar 20	3.62
Mar 20	4.47
Feb 20	4.76
Feb 20	4.93
Feb 20	4.93
Feb 20	4.99
Jan 20	5.04
Jan 20	5.07
Jan 20	5.07
Jan 20	5.13
Jan 20	5.13
Dec 19	5.07
Dec 19	7.01
Dec 19	7.01
Dec 19	7.01
Nov 19	7.01
Nov 19	7.01
Nov 19	7.01
Nov 19	7.01
Nov 19	7.01
Oct 19	7.01
Oct 19	7.01
Oct 19	7.01
Oct 19	7.01
Sep 19	5.44
Sep 19	5.44
Sep 19	5.44
Sep 19	5.44
Aug 19	5.44
Aug 19	5.44
Aug 19	5.51
Aug 19	5.4
Aug 19	5.53
Jul 19	5.29
Jul 19	5.31
Jul 19	5.2
Jul 19	5.93
Jun 19	5.97
Jun 19	6.08
Jun 19	5.97
Jun 19	5.88
May 19	5.86
May 19	5.82
May 19	5.77
May 19	5.64
May 19	5.75
Apr 19	4.36

Free Cash Flow Yield

PNC.AX Free Cash Flow Yield by quarter
Period	Free Cash Flow Yield
Sep 26	-22.76%
Sep 26	-22.68%
Sep 26	-23.2%
Aug 26	-21.71%
Aug 26	-22.35%
Aug 26	-22.51%
Aug 26	-22.68%
Jul 26	-25.1%
Jul 26	-23.92%
Jul 26	-22.03%
Jul 26	-21.87%
Jul 26	-22.19%
Jun 26	-22.35%
Jun 26	-21.87%
Jun 26	-21.87%
Jun 26	-25.1%
May 26	-25.51%
May 26	-25.3%
May 26	-25.51%
May 26	-23.92%
May 26	-25.95%
Apr 26	-25.95%
Apr 26	-25.1%
Apr 26	-25.3%
Apr 26	-25.95%
Mar 26	-38.48%
Mar 26	-39.14%
Mar 26	-33.47%
Mar 26	-32.07%
Feb 26	-31.85%
Feb 26	-35.25%
Feb 26	-30.58%
Feb 26	-33.47%
Jan 26	-32.52%
Jan 26	-32.99%
Jan 26	-33.22%
Jan 26	-32.52%
Jan 26	-33.96%
Dec 25	-34.99%
Dec 25	-34.99%
Dec 25	-34.21%
Dec 25	-34.72%
Nov 25	-32.99%
Nov 25	-32.07%
Nov 25	-31.42%
Nov 25	-34.46%
Oct 25	-35.25%
Oct 25	-36.08%
Oct 25	-36.36%
Oct 25	-34.99%
Oct 25	-36.08%
Sep 25	-33.29%
Sep 25	-33%
Sep 25	-32.72%
Sep 25	-32.44%
Aug 25	-31.9%
Aug 25	-33.29%
Aug 25	-34.18%
Aug 25	-36.81%
Aug 25	-38.28%
Jul 25	-38.28%
Jul 25	-37.9%
Jul 25	-35.45%
Jul 25	-37.53%
Jun 25	-37.9%
Jun 25	-39.06%
Jun 25	-39.06%
Jun 25	-38.67%
May 25	-37.9%
May 25	-38.67%
May 25	-38.28%
May 25	-39.88%
May 25	-45.04%
Apr 25	-42.07%
Apr 25	-49.72%
Apr 25	-48.46%
Apr 25	-46.68%
Mar 25	-46.81%
Mar 25	-46.26%
Mar 25	-43.72%
Mar 25	-41.88%
Feb 25	-39.39%
Feb 25	-34.9%
Feb 25	-35.52%
Feb 25	-36.84%
Jan 25	-35.52%
Jan 25	-35.21%
Jan 25	-34.9%
Jan 25	-34.3%
Jan 25	-35.21%
Dec 24	-37.54%
Dec 24	-38.26%
Dec 24	-34.6%
Dec 24	-32.88%
Nov 24	-30.14%
Nov 24	-32.61%
Nov 24	-31.58%
Nov 24	-32.61%
Nov 24	-32.88%
Oct 24	-34.3%

Price to Sales

PNC.AX Price to Sales by quarter
Period	Price to Sales
Sep 26	0.95
Sep 26	0.95
Sep 26	0.93
Aug 26	0.99
Aug 26	0.96
Aug 26	0.96
Aug 26	0.95
Jul 26	0.86
Jul 26	0.9
Jul 26	0.98
Jul 26	0.98
Jul 26	0.97
Jun 26	0.96
Jun 26	0.98
Jun 26	0.98
Jun 26	0.86
May 26	0.84
May 26	0.85
May 26	0.84
May 26	0.9
May 26	0.83
Apr 26	0.83
Apr 26	0.86
Apr 26	0.85
Apr 26	0.83
Mar 26	1.19
Mar 26	1.17
Mar 26	1.37
Mar 26	1.42
Feb 26	1.43
Feb 26	1.3
Feb 26	1.49
Feb 26	1.37
Jan 26	1.41
Jan 26	1.39
Jan 26	1.38
Jan 26	1.41
Jan 26	1.35
Dec 25	1.31
Dec 25	1.31
Dec 25	1.34
Dec 25	1.32
Nov 25	1.39
Nov 25	1.42
Nov 25	1.45
Nov 25	1.33
Oct 25	1.3
Oct 25	1.27
Oct 25	1.26
Oct 25	1.31
Oct 25	1.27
Sep 25	1.19
Sep 25	1.2
Sep 25	1.21
Sep 25	1.22
Aug 25	1.24
Aug 25	1.19
Aug 25	1.15
Aug 25	1.07
Aug 25	1.03
Jul 25	1.03
Jul 25	1.04
Jul 25	1.11
Jul 25	1.05
Jun 25	1.04
Jun 25	1.01
Jun 25	1.01
Jun 25	1.02
May 25	1.04
May 25	1.02
May 25	1.03
May 25	0.99
May 25	0.88
Apr 25	0.94
Apr 25	0.79
Apr 25	0.81
Apr 25	0.85
Mar 25	1.29
Mar 25	1.3
Mar 25	1.38
Mar 25	1.44
Feb 25	1.53
Feb 25	1.73
Feb 25	1.7
Feb 25	1.64
Jan 25	1.7
Jan 25	1.71
Jan 25	1.73
Jan 25	1.76
Jan 25	1.71
Dec 24	1.61
Dec 24	1.58
Dec 24	1.74
Dec 24	1.84
Nov 24	2
Nov 24	1.85
Nov 24	1.91
Nov 24	1.85
Nov 24	1.84
Oct 24	1.76

EV/EBITDA

PNC.AX EV/EBITDA by quarter
Period	EV/EBITDA
Sep 26	3.79
Sep 26	3.8
Sep 26	3.77
Aug 26	3.86
Aug 26	3.82
Aug 26	3.81
Aug 26	3.8
Jul 26	3.66
Jul 26	3.72
Jul 26	3.84
Jul 26	3.85
Jul 26	3.83
Jun 26	3.82
Jun 26	3.85
Jun 26	3.85
Jun 26	3.66
May 26	3.64
May 26	3.65
May 26	3.64
May 26	3.72
May 26	3.62
Apr 26	3.62
Apr 26	3.66
Apr 26	3.65
Apr 26	3.62
Mar 26	3.94
Mar 26	3.91
Mar 26	4.16
Mar 26	4.23
Feb 26	4.24
Feb 26	4.07
Feb 26	4.32
Feb 26	4.16
Jan 26	4.21
Jan 26	4.18
Jan 26	4.17
Jan 26	4.21
Jan 26	4.13
Dec 25	4.08
Dec 25	4.08
Dec 25	4.12
Dec 25	4.1
Nov 25	4.18
Nov 25	4.23
Nov 25	4.27
Nov 25	4.11
Oct 25	4.07
Oct 25	4.04
Oct 25	4.02
Oct 25	4.08
Oct 25	4.04
Sep 25	3.97
Sep 25	3.98
Sep 25	4
Sep 25	4.01
Aug 25	4.04
Aug 25	3.97
Aug 25	3.93
Aug 25	3.82
Aug 25	3.77
Jul 25	3.77
Jul 25	3.78
Jul 25	3.87
Jul 25	3.79
Jun 25	3.78
Jun 25	3.74
Jun 25	3.74
Jun 25	3.75
May 25	3.78
May 25	3.75
May 25	3.77
May 25	3.71
May 25	3.56
Apr 25	3.64
Apr 25	3.45
Apr 25	3.48
Apr 25	3.52
Mar 25	5.87
Mar 25	5.9
Mar 25	6.03
Mar 25	6.13
Feb 25	6.29
Feb 25	6.63
Feb 25	6.57
Feb 25	6.47
Jan 25	6.57
Jan 25	6.6
Jan 25	6.63
Jan 25	6.68
Jan 25	6.6
Dec 24	6.42
Dec 24	6.36
Dec 24	6.65
Dec 24	6.81
Nov 24	7.1
Nov 24	6.83
Nov 24	6.94
Nov 24	6.83
Nov 24	6.81
Oct 24	6.68

Price/Operating Cashflow

PNC.AX Price/Operating Cashflow by quarter
Period	Price/Operating Cashflow
Sep 22	0.48
Sep 22	0.46
Sep 22	0.44
Sep 22	0.51
Aug 22	0.53
Aug 22	0.55
Aug 22	0.54
Aug 22	0.54
Jul 22	0.58
Jul 22	0.56
Jul 22	0.59
Jul 22	0.59
Jul 22	0.59
Jun 22	0.57
Jun 22	0.57
Jun 22	0.64
Jun 22	0.66
May 22	0.64
May 22	0.63
May 22	0.68
May 22	0.67
Apr 22	0.68
Apr 22	0.68
Apr 22	0.67
Apr 22	0.66
Apr 22	0.68
Mar 22	0.44
Mar 22	0.47
Mar 22	0.49
Mar 22	0.48
Feb 22	0.49
Feb 22	0.53
Feb 22	0.54
Feb 22	0.48
Jan 22	0.46
Jan 22	0.47
Jan 22	0.48
Jan 22	0.48
Dec 21	0.49
Dec 21	0.48
Dec 21	0.51
Dec 21	0.53
Dec 21	0.53
Nov 21	0.52
Nov 21	0.58
Nov 21	0.55
Nov 21	0.59
Oct 21	0.44
Oct 21	0.46
Oct 21	0.41
Oct 21	0.43
Oct 21	0.43
Sep 21	0.32
Sep 21	0.3
Sep 21	0.32
Sep 21	0.34
Aug 21	0.38
Aug 21	0.37
Aug 21	0.35
Aug 21	0.31
Jul 21	0.28
Jul 21	0.32
Jul 21	0.33
Jul 21	0.33
Jul 21	0.34
Jun 21	0.33
Jun 21	0.36
Jun 21	0.35
Jun 21	0.38
May 21	0.35
May 21	0.36
May 21	0.39
May 21	0.44
Apr 21	0.45
Apr 21	0.44
Apr 21	0.39
Apr 21	0.38
Apr 21	0.35
Mar 21	0.29
Mar 21	0.29
Mar 21	0.3
Mar 21	0.3
Feb 21	0.31
Feb 21	0.3
Feb 21	0.3
Feb 21	0.3
Jan 21	0.31
Jan 21	0.37
Jan 21	0.39
Jan 21	0.37
Dec 20	0.32
Dec 20	0.32
Dec 20	0.31
Dec 20	0.36
Dec 20	0.42
Nov 20	0.46
Nov 20	0.51
Nov 20	0.41
Nov 20	0.35
Oct 20	0.4

Price to Book

PNC.AX Price to Book by quarter
Period	Price to Book
Sep 26	1.51
Sep 26	1.52
Sep 26	1.48
Aug 26	1.58
Aug 26	1.54
Aug 26	1.53
Aug 26	1.52
Jul 26	1.37
Jul 26	1.44
Jul 26	1.56
Jul 26	1.57
Jul 26	1.55
Jun 26	1.54
Jun 26	1.57
Jun 26	1.57
Jun 26	1.37
May 26	1.35
May 26	1.36
May 26	1.35
May 26	1.44
May 26	1.33
Apr 26	1.33
Apr 26	1.37
Apr 26	1.36
Apr 26	1.33
Mar 26	1.8
Mar 26	1.77
Mar 26	2.07
Mar 26	2.16
Feb 26	2.18
Feb 26	1.97
Feb 26	2.27
Feb 26	2.07
Jan 26	2.13
Jan 26	2.1
Jan 26	2.09
Jan 26	2.13
Jan 26	2.04
Dec 25	1.98
Dec 25	1.98
Dec 25	2.03
Dec 25	2
Nov 25	2.1
Nov 25	2.16
Nov 25	2.21
Nov 25	2.01
Oct 25	1.97
Oct 25	1.92
Oct 25	1.91
Oct 25	1.98
Oct 25	1.92
Sep 25	1.89
Sep 25	1.91
Sep 25	1.92
Sep 25	1.94
Aug 25	1.97
Aug 25	1.89
Aug 25	1.84
Aug 25	1.71
Aug 25	1.64
Jul 25	1.64
Jul 25	1.66
Jul 25	1.78
Jul 25	1.68
Jun 25	1.66
Jun 25	1.61
Jun 25	1.61
Jun 25	1.63
May 25	1.66
May 25	1.63
May 25	1.64
May 25	1.58
May 25	1.4
Apr 25	1.5
Apr 25	1.27
Apr 25	1.3
Apr 25	1.35
Mar 25	2.41
Mar 25	2.43
Mar 25	2.58
Mar 25	2.69
Feb 25	2.86
Feb 25	3.23
Feb 25	3.17
Feb 25	3.06
Jan 25	3.17
Jan 25	3.2
Jan 25	3.23
Jan 25	3.28
Jan 25	3.2
Dec 24	3
Dec 24	2.94
Dec 24	3.25
Dec 24	3.42
Nov 24	3.74
Nov 24	3.45
Nov 24	3.57
Nov 24	3.45
Nov 24	3.42
Oct 24	3.28

No video analysis for this stock yet. Request one from our team.

AI Analysis

Pioneer Credit Limited

Video analysis: PNC.AX

Similar companies