Pioneer Credit Ltd (PNC) — Financial Flexibility Index
Pioneer Credit Ltd (PNC) has a Financial Flexibility Index of 0.00x as of December 2025. Free cash flow of AU$697.00K (operating CF AU$684.00K minus capex AU$13.00K) represents 0% of total liabilities (AU$325.86 Million). Check PNC cash reinvestment to operating cash ratio to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Pioneer Credit Ltd Financial Flexibility Index (2013–2025)
Historical Financial Flexibility Index trend for Pioneer Credit Ltd across 13 annual periods. For the full cash flow conversion analysis, see Pioneer Credit Ltd cash conversion from operations.
Annual Financial Flexibility Index for Pioneer Credit Ltd (2013–2025)
Year-by-year free cash flow to debt coverage for Pioneer Credit Ltd. Explore PNC operating cash flow to total debt to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (AUD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | -0.04x | AU$-12.38 Million | AU$-12.59 Million | AU$328.00 Million | ▲ +56.6% |
| 2024 | -0.09x | AU$-28.12 Million | AU$-28.83 Million | AU$323.74 Million | ▼ -27.0% |
| 2023 | -0.07x | AU$-19.48 Million | AU$-19.96 Million | AU$284.82 Million | ▲ +55.6% |
| 2022 | -0.15x | AU$-45.95 Million | AU$-46.76 Million | AU$298.38 Million | ▼ -113.0% |
| 2021 | -0.07x | AU$-15.59 Million | AU$-17.02 Million | AU$215.65 Million | ▼ -127.5% |
| 2020 | 0.26x | AU$58.65 Million | AU$57.98 Million | AU$222.97 Million | ▼ -3.4% |
| 2019 | 0.27x | AU$49.33 Million | AU$47.09 Million | AU$181.27 Million | ▼ -25.1% |
| 2018 | 0.36x | AU$52.01 Million | AU$48.51 Million | AU$143.08 Million | ▲ +21.9% |
| 2017 | 0.30x | AU$26.79 Million | AU$26.68 Million | AU$89.87 Million | ▼ -27.3% |
| 2016 | 0.41x | AU$25.69 Million | AU$24.63 Million | AU$62.65 Million | ▼ -46.9% |
| 2015 | 0.77x | AU$32.43 Million | AU$28.18 Million | AU$42.03 Million | ▼ -25.3% |
| 2014 | 1.03x | AU$23.44 Million | AU$22.51 Million | AU$22.70 Million | ▲ +120.6% |
| 2013 | 0.47x | AU$13.52 Million | AU$12.61 Million | AU$28.89 Million | — |