Pioneer Credit Ltd Asset Resilience Ratio
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. See Pioneer Credit Ltd (PNC) defensive interval to measure how many days the company can operate on defensive assets alone.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio of Pioneer Credit Ltd (2014–2025)
Asset resilience ratio of Pioneer Credit Ltd from 2014 to 2025. This chart shows how Pioneer Credit Ltd's Asset Resilience Ratio has changed over time. Read PNC total liabilities for a breakdown of total debt and financial obligations.
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. For the complete balance sheet picture, see Pioneer Credit Ltd assets under control.
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 |
|---|---|---|
|
Krungthai Card PCL
BK:KTC |
Credit Services | 92.33% |
|
Mastercard Inc
NYSE:MA |
Credit Services | 0.60% |
|
Indian Railway Finance Corporation Limited
NSE:IRFC |
Credit Services | 0.09% |
|
Best SA
WAR:BST |
Credit Services | 3.86% |
|
Vardhman Holdings Limited
NSE:VHL |
Credit Services | 0.03% |
|
Litigation Capital Management Limited
LSE:LIT |
Credit Services | 78.61% |
|
ZIP Co Ltd
AU:ZIP |
Credit Services | 0.13% |
|
Credit Corp Group Ltd
AU:CCP |
Credit Services | 4.06% |
Pioneer Credit Ltd Asset Resilience Ratio by Year (2014–2025)
Pioneer Credit Ltd asset resilience ratio by year from 2014 to 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 ≈ $82.59 Million |
AU$388.58 Million ≈ $274.95 Million |
-0.96pp |
| 2024-06-30 | 31.00% | AU$114.06 Million ≈ $80.70 Million |
AU$367.94 Million ≈ $260.34 Million |
-1.47pp |
| 2023-06-30 | 32.47% | AU$106.10 Million ≈ $75.07 Million |
AU$326.75 Million ≈ $231.20 Million |
+4.10pp |
| 2022-06-30 | 28.37% | AU$96.30 Million ≈ $68.14 Million |
AU$339.45 Million ≈ $240.19 Million |
+1.22pp |
| 2021-06-30 | 27.15% | AU$73.40 Million ≈ $51.93 Million |
AU$270.32 Million ≈ $191.27 Million |
-3.26pp |
| 2020-06-30 | 30.41% | AU$87.25 Million ≈ $61.74 Million |
AU$286.93 Million ≈ $203.02 Million |
-2.23pp |
| 2019-06-30 | 32.64% | AU$92.71 Million ≈ $65.60 Million |
AU$284.01 Million ≈ $200.95 Million |
+1.41pp |
| 2018-06-30 | 31.23% | AU$76.46 Million ≈ $54.10 Million |
AU$244.80 Million ≈ $173.21 Million |
-7.09pp |
| 2017-06-30 | 38.32% | AU$69.04 Million ≈ $48.85 Million |
AU$180.16 Million ≈ $127.47 Million |
-2.01pp |
| 2016-06-30 | 40.33% | AU$51.38 Million ≈ $36.35 Million |
AU$127.41 Million ≈ $90.15 Million |
+6.00pp |
| 2015-06-30 | 34.32% | AU$32.58 Million ≈ $23.05 Million |
AU$94.91 Million ≈ $67.15 Million |
-7.19pp |
| 2014-06-30 | 41.51% | AU$29.18 Million ≈ $20.65 Million |
AU$70.30 Million ≈ $49.74 Million |
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About 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.