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. Read PNC current and long-term liabilities for a breakdown of total debt and financial obligations.
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. See PNC net assets for net asset value and shareholders' equity analysis.
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 market capitalisation and broader financial context, see market value of Pioneer Credit Ltd.
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 |
|---|---|---|
|
Green Dot Corporation
NYSE:GDOT |
Credit Services | 0.00% |
|
SLM Corp
NASDAQ:SLM |
Credit Services | 0.17% |
|
Plenti Group Ltd
AU:PLT |
Credit Services | 0.02% |
|
Eason Technology Limited
NYSE MKT:DXF |
Credit Services | 0.11% |
|
CREDITACCESS GRAMEEN LIMITED
NSE:CREDITACC |
Credit Services | 3.39% |
|
SR Accord
TA:SRAC |
Credit Services | 0.09% |
|
Kruk SA
WAR:KRU |
Credit Services | 24.59% |
|
ASA International Group PLC
LSE:ASAI |
Credit Services | 425.59% |
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 ≈ $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.