Pioneer Credit Ltd
ASX:PNC
Intrinsic Value
Pioneer Credit Ltd. engages in the provision of financial services specializing in acquiring and servicing unsecured retail debt portfolios. [ Read More ]
The intrinsic value of one
PNC
stock under the Base Case scenario is
1.638
AUD.
Compared to the current market price of 0.465 AUD,
Pioneer Credit Ltd
is
Undervalued by 72%.
Pioneer Credit Ltd's market capitalization is 62.6m AUD.
PNC stock price is 0.465 AUD.
PNC stock price (0.465 AUD) is 72% less than its Intrinsic Value (1.638 AUD).
PNC stock price (0.465 AUD) is 75% less than its Relative Value (1.874 AUD). Open Relative Valuation
PNC has upside potential of 227% compared to the average analyst price target.
Open Wall St Estimates
PNC's long-term assets (366m AUD) exceed its long-term liabilties (322m AUD).
PNC's Revenue has been growing by 4% per year for the last 3 years.
PNC has positive Net Debt. This means that the company has more debt (278m AUD) than cash and short-term investments (127m AUD).
PNC's ROIC (Return on Invested Capital) for the past 12 months is positive and is equal to 18%.
PNC's ROE (Return on Equity) for the past 12 months is very low and is equal to 4%.
PNC has positive Operating Income for the last twelve months.
PNC has positive three-year average ROIC (Return on Invested Capital): 7%. The company is efficient at using invested capital to generate operating income.
PNC's Revenue has grown by an exceptional 41% over the past 12 months.
PNC's ROIC (Return on Invested Capital) has significantly increased in the last 3 years from -1% to 18%.
PNC's ROE (Return on Equity) has significantly increased in the last 3 years from -61% to 4%.
PNC has positive Net Income for the last twelve months.
PNC's short-term assets (129m AUD) exceed its short-term liabilties (44m AUD).
PNC has negative Free Cash Flow for the last twelve months.
PNC has negative three-year average ROE (Return on Equity): -37%. The company is not efficient at transforming stockholders' equity into net income.
PNC's D/E (Debt to Equity) is very high and is equal to 6.33.
PNC's Altman Z-Score is very low and is equal to 0.33.
PNC doesn't generate enough operating income (39m AUD) to safely cover interest payments on its debt (-34m AUD).
Valuation Backtest
Pioneer Credit Ltd
Run backtest to discover the historical profit from buying and selling
PNC
stocks based on their intrinsic value.
Analyze the historical link between intrinsic value and market price to make more informed investment decisions.
Fundamental Analysis
Pioneer Credit Ltd
Balance Sheet Decomposition
Pioneer Credit Ltd
| Current Assets | 129.4m |
| Cash & Short-Term Investments | 127.2m |
| Receivables | 1.2m |
| Other Current Assets | 1m |
| Non-Current Assets | 236.7m |
| Long-Term Investments | 222.7m |
| PP&E | 7.4m |
| Intangibles | 688k |
| Other Non-Current Assets | 5.9m |
| Current Liabilities | 43.6m |
| Accounts Payable | 24.8m |
| Other Current Liabilities | 18.7m |
| Non-Current Liabilities | 278.6m |
| Long-Term Debt | 277.8m |
| Other Non-Current Liabilities | 805k |
Earnings Waterfall
Pioneer Credit Ltd
|
Revenue
|
90.8m
AUD
|
|
Operating Expenses
|
-51.7m
AUD
|
|
Operating Income
|
39.1m
AUD
|
|
Other Expenses
|
-37.6m
AUD
|
|
Net Income
|
1.5m
AUD
|
Free Cash Flow Analysis
Pioneer Credit Ltd
PNC Profitability Score
Profitability Due Diligence
Pioneer Credit Ltd's profitability score is 41/100. The higher the profitability score, the more profitable the company is.
Score
Pioneer Credit Ltd's profitability score is 41/100. The higher the profitability score, the more profitable the company is.
PNC Solvency Score
Solvency Due Diligence
Pioneer Credit Ltd's solvency score is 27/100. The higher the solvency score, the more solvent the company is.
Score
Pioneer Credit Ltd's solvency score is 27/100. The higher the solvency score, the more solvent the company is.
Wall St
Price Targets
PNC Price Targets Summary
Pioneer Credit Ltd
According to Wall Street analysts, the average 1-year price target for
PNC
is 1.52 AUD
.
Shareholder Return
PNC Price
Pioneer Credit Ltd
| Average Annual Return | -29.78% |
| Standard Deviation of Annual Returns | 22.42% |
| Max Drawdown | -89% |
| Market Capitalization | 62.6m AUD |
| Shares Outstanding | 134 666 000 |
| Percentage of Shares Shorted |
N/A
|
Company Profile
Pioneer Credit Ltd
Country
Industry
Market Cap
Dividend Yield
Description
Pioneer Credit Ltd. engages in the provision of financial services specializing in acquiring and servicing unsecured retail debt portfolios. The company is headquartered in Perth, Western Australia. The company went IPO on 2014-05-01. The firm is focused on acquiring and servicing Purchased Debt Portfolios (PDPs). The firm is also focused on providing customer service along with a range of products and solutions to help them achieve their financial goals, including the Company's application, Pioneer Path and its intuitive customer portal. Pioneer Path is a free personal finance and budget management application showing the user how to spend less, save more and reduce debt. The firm's subsidiaries include Pioneer Credit Solutions Pty Limited, Sphere Legal Pty Limited, Pioneer Credit (Philippines) Pty Limited, Pioneer Credit Connect Pty Limited, Pioneer Credit Broking Services Pty Limited and Switchmyloan Pty Limited.
Contact
IPO
Employees
Officers
The intrinsic value of one
PNC
stock under the Base Case scenario is
1.638
AUD.
Compared to the current market price of 0.465 AUD,
Pioneer Credit Ltd
is
Undervalued by 72%.
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