Pioneer Credit Ltd (PNC) — Cash Flow Quality Index
Pioneer Credit Ltd (PNC) has a Cash Flow Quality Index of 0.07x as of December 2025. Operating cash flow of AU$684.00K is below net income of AU$10.18 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore PNC debt coverage from operations to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Pioneer Credit Ltd Cash Flow Quality Index (2013–2025)
Historical Cash Flow Quality Index for Pioneer Credit Ltd across 9 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see how efficiently does Pioneer Credit Ltd generate cash.
Annual Cash Flow Quality Index for Pioneer Credit Ltd (2013–2025)
Year-by-year earnings quality comparison for Pioneer Credit Ltd.
| Year | Quality Index | Operating CF (AUD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | -1.89x | AU$-12.59 Million | AU$6.66 Million | ▲ +98.4% |
| 2023 | -120.26x | AU$-19.96 Million | AU$166.00K | ▼ -1193.4% |
| 2019 | 11.00x | AU$47.09 Million | AU$4.28 Million | ▲ +299.1% |
| 2018 | 2.76x | AU$48.51 Million | AU$17.60 Million | ▲ +11.1% |
| 2017 | 2.48x | AU$26.68 Million | AU$10.75 Million | ▼ -4.8% |
| 2016 | 2.61x | AU$24.63 Million | AU$9.45 Million | ▼ -31.2% |
| 2015 | 3.79x | AU$28.18 Million | AU$7.44 Million | ▼ -82.4% |
| 2014 | 21.50x | AU$22.51 Million | AU$1.05 Million | ▲ +500.2% |
| 2013 | 3.58x | AU$12.61 Million | AU$3.52 Million | — |