Pioneer Credit Ltd (PNC) — Defensive Interval Ratio
Pioneer Credit Ltd (PNC) has a Defensive Interval Ratio of 5152 days as of December 2025. Defensive assets of AU$131.69 Million (cash AU$-, short-term investments AU$127.93 Million, receivables AU$3.75 Million) cover 5152 days of daily cash needs of AU$25.56K/day. See Pioneer Credit Ltd short-term liquidity ratio to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Pioneer Credit Ltd Defensive Interval Ratio (2014–2025)
This chart shows how Pioneer Credit Ltd's Defensive Interval Ratio has evolved across 12 annual periods from 2014 to 2025. As of December 2025, the ratio stands at 5152 days, meaning defensive assets of AU$131.69 Million can fund 5152 days of operations without new revenue. See how leveraged is Pioneer Credit Ltd's balance sheet to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for Pioneer Credit Ltd (2014–2025)
The table below presents the year-by-year Defensive Interval Ratio for Pioneer Credit Ltd from 2014 to 2025, covering 12 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see market cap of Pioneer Credit Ltd.
| Year | DIR (days) | Defensive Assets (AUD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 1319 days | AU$125.61 Million | AU$95.24K/day | AU$- | AU$116.72 Million | ▲ +1166 days |
| 2024 | 153 days | AU$118.39 Million | AU$773.04K/day | AU$- | AU$114.06 Million | ▼ -1746 days |
| 2023 | 1899 days | AU$107.59 Million | AU$56.65K/day | AU$- | AU$106.10 Million | ▲ +1180 days |
| 2022 | 719 days | AU$102.47 Million | AU$142.55K/day | AU$- | AU$96.30 Million | ▼ -1872 days |
| 2021 | 2590 days | AU$74.31 Million | AU$28.68K/day | AU$- | AU$73.40 Million | ▲ +2439 days |
| 2020 | 151 days | AU$89.73 Million | AU$592.68K/day | AU$- | AU$87.25 Million | ▼ -45 days |
| 2019 | 197 days | AU$96.37 Million | AU$489.61K/day | AU$- | AU$92.71 Million | ▼ -1998 days |
| 2018 | 2195 days | AU$80.27 Million | AU$36.57K/day | AU$- | AU$76.46 Million | ▲ +263 days |
| 2017 | 1932 days | AU$72.77 Million | AU$37.66K/day | AU$3.14 Million | AU$65.90 Million | ▲ +409 days |
| 2016 | 1523 days | AU$52.60 Million | AU$34.54K/day | AU$- | AU$51.38 Million | ▲ +848 days |
| 2015 | 675 days | AU$34.77 Million | AU$51.54K/day | AU$- | AU$32.58 Million | ▲ +69 days |
| 2014 | 606 days | AU$32.08 Million | AU$52.95K/day | AU$- | AU$29.18 Million | — |