Pioneer Credit Ltd Financial Flexibility Index
Pioneer Credit Ltd 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$325.86 Million). See PNC free cash flow to operating cash ratio to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of Pioneer Credit Ltd (2013–2025)
Financial flexibility index of Pioneer Credit Ltd from 2013 to 2025. Historical Financial Flexibility Index trend for Pioneer Credit Ltd across 13 annual periods. Check Pioneer Credit Ltd (PNC) cash flow quality to evaluate the quality of earnings relative to operating cash generation.
Pioneer Credit Ltd Financial Flexibility Index by Year (2013–2025)
Pioneer Credit Ltd financial flexibility index by year from 2013 to 2025. Year-by-year free cash flow to debt coverage for Pioneer Credit Ltd. For the full cash flow conversion analysis, see Pioneer Credit Ltd cash flow conversion.
| Year | Flexibility Index | Free Cash Flow (AUD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | -0.04x | AU$-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 | — |