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

Dividends

PNC.AX Dividends by year
Period	Dividends
2019	0.07
2018	0.22
2017	0.12
2016	0.15
2015	0.13
2014	0.05

PE Ratio

PNC.AX PE Ratio by year
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 year
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 year
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 year
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 year
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 year
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

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Video analysis: PNC.AX

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