Pioneer Credit Ltd
Pioneer Credit Limited, together with its subsidiaries, provides financial services in Australia. It acquires and services purchase debt portfolios. The company was incorporated in 2002 and is based in Perth, Australia.
Pioneer Credit Ltd - Asset Resilience Ratio
Pioneer Credit Ltd (PNC) has an Asset Resilience Ratio of 32.27% as of December 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2014–2025)
This chart shows how Pioneer Credit Ltd's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down Pioneer Credit Ltd's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | AU$0.00 | 0% |
| Short-term Investments | AU$127.93 Million | 32.27% |
| Total Liquid Assets | AU$127.93 Million | 32.27% |
Asset Resilience Insights
- Very High Liquidity: Pioneer Credit Ltd maintains exceptional liquid asset reserves at 32.27% of total assets.
- This level provides strong protection against economic uncertainties but may indicate potential for more aggressive growth investments.
- The company has significant short-term investments, indicating active treasury management.
Pioneer Credit Ltd Industry Peers by Asset Resilience Ratio
Compare Pioneer Credit Ltd's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Fon SE
WAR:FON |
Credit Services | 29.06% |
|
Samsung Card Co. Ltd.
KO:029780 |
Credit Services | 0.18% |
|
Yiren Digital Ltd
F:19YA |
Credit Services | 3.32% |
|
Aeon Credit Service Bhd
KLSE:5139 |
Credit Services | 0.25% |
|
ELK-Desa Resources Bhd
KLSE:5228 |
Credit Services | 2.82% |
|
Chailease Holding Co Ltd
TW:5871 |
Credit Services | 6.79% |
Annual Asset Resilience Ratio for Pioneer Credit Ltd (2014–2025)
The table below shows the annual Asset Resilience Ratio data for Pioneer Credit Ltd.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-06-30 | 30.04% | AU$116.72 Million | AU$388.58 Million | -0.96pp |
| 2024-06-30 | 31.00% | AU$114.06 Million | AU$367.94 Million | -1.47pp |
| 2023-06-30 | 32.47% | AU$106.10 Million | AU$326.75 Million | +4.10pp |
| 2022-06-30 | 28.37% | AU$96.30 Million | AU$339.45 Million | +1.22pp |
| 2021-06-30 | 27.15% | AU$73.40 Million | AU$270.32 Million | -3.26pp |
| 2020-06-30 | 30.41% | AU$87.25 Million | AU$286.93 Million | -2.23pp |
| 2019-06-30 | 32.64% | AU$92.71 Million | AU$284.01 Million | +1.41pp |
| 2018-06-30 | 31.23% | AU$76.46 Million | AU$244.80 Million | -7.09pp |
| 2017-06-30 | 38.32% | AU$69.04 Million | AU$180.16 Million | -2.01pp |
| 2016-06-30 | 40.33% | AU$51.38 Million | AU$127.41 Million | +6.00pp |
| 2015-06-30 | 34.32% | AU$32.58 Million | AU$94.91 Million | -7.19pp |
| 2014-06-30 | 41.51% | AU$29.18 Million | AU$70.30 Million | -- |