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$325.86 Million). Check PNC capital-intensive asset ratio to assess the company's strategic physical and investment asset allocation.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Pioneer Credit Ltd Financial Flexibility Index (2013–2025)
Historical Financial Flexibility Index trend for Pioneer Credit Ltd across 13 annual periods. See Pioneer Credit Ltd short-term liquidity ratio to evaluate short-term liquidity relative to the company's equity base.
Annual Financial Flexibility Index for Pioneer Credit Ltd (2013–2025)
Year-by-year free cash flow to debt coverage for Pioneer Credit Ltd. For the full company profile including market capitalisation, see Pioneer Credit Ltd stock valuation.
| Year | Flexibility Index | Free Cash Flow (AUD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | -0.04x | AU$-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 | — |