Pioneer Credit Ltd
ASX:PNC
Prices of ASX stocks are not being updated. The latest PNC price on Alpha Spread is from Oct 14, 2026. Financials, forecasts and intrinsic value keep updating.
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Pioneer Credit Ltd
ASX:PNC
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AU |
Intrinsic Value
The intrinsic value of Pioneer Credit Ltd (PNC) under the Base Case is 2.09 AUD per share.
Compared with the last price of 0.62 AUD on Oct 14, the stock appears
Undervalued by 70% .
The intrinsic value is calculated using the DCF method. The model assumes net margin rises from 23% last year to 26% by 2031, higher than in any of the last six years. Revenue grows about 10% a year over the next five years, below its five-year pace of 13%.
Do our valuations actually work? See backtest results .
Cheap or expensive for this stock?
This block shows whether today’s valuation is cheap or expensive compared with the stock’s own history, and what happened after similar valuations in the past.
We compare the gap between the stock’s price and our estimated value over time.
- Undervalued can still be historically expensive. The stock may trade below our estimated value, but usually offer an even bigger discount.
- Overvalued can still be historically cheap. The stock may trade above our estimated value, but usually carry an even higher premium.
Market expectations can differ from our model, which may not fully capture everything affecting the price. That is why some stocks regularly trade above our estimated value and others below it.
The scale and chart show how today’s valuation compares with the past. The cards summarize past returns and waiting times until the stock stopped being cheap or expensive. This can happen because the price changed, our estimated value changed, or both.
Only completed periods are included. These are past results, not forecasts. The usual historical range does not necessarily mean fair value.
Fundamental Analysis
What Pioneer Credit Does
Pioneer Credit Ltd buys and manages consumer debt portfolios, mainly overdue personal loans, credit card balances, and other unsecured receivables. It works with banks and other lenders that want to sell or outsource accounts they no longer want to service themselves. Pioneer then collects payments from borrowers over time and also helps them arrange repayment plans.
- Headquarters
- Australia AU
- IPO date
- May 1, 2014
Earnings Waterfall
Pioneer Credit Ltd
The intrinsic value for Pioneer Credit Ltd (PNC) under the Base Case is 2.09 AUD.
Compared with the last price of 0.62 AUD on Oct 14, the stock appears Undervalued by 70% .