Pioneer Credit Ltd
Pioneer Credit Limited, together with its subsidiaries, provides financial services in Australia. It acquires and services purchase debt portfolios. The company was incorporated in 2002 and is based in Perth, Australia.
Pioneer Credit Ltd (PNC) - Total Assets
Latest total assets as of December 2025: AU$396.51 Million AUD
Based on the latest financial reports, Pioneer Credit Ltd (PNC) holds total assets worth AU$396.51 Million AUD as of December 2025.
Total assets represent everything the company owns and controls, combining both current assets—like cash and cash equivalents, accounts receivable, and inventories—and non-current assets such as property, plant, equipment (PP&E), intangible assets, and long-term investments.
Pioneer Credit Ltd - Total Assets Trend (2011–2025)
This chart illustrates how Pioneer Credit Ltd’s total assets have evolved over time, based on quarterly financial data. Explore and compare other companies by total assets.
Pioneer Credit Ltd - Asset Composition Analysis
Current Asset Composition (June 2025)
Pioneer Credit Ltd's total assets of AU$396.51 Million consist of 33.8% current assets and 66.3% non-current assets.
| Asset Category | Amount (AUD) | % of Total Assets |
|---|---|---|
| Cash & Equivalents | AU$0.00 | 0.9% |
| Accounts Receivable | AU$8.89 Million | 2.3% |
| Inventory | AU$0.00 | 0.0% |
| Property, Plant & Equipment | AU$5.59 Million | 1.4% |
| Intangible Assets | AU$901.00K | 0.2% |
| Goodwill | AU$0.00 | 0.0% |
Asset Composition Trend (2011–2025)
This chart illustrates how Pioneer Credit Ltd's asset composition has evolved over time. Understanding changes in asset allocation can provide insights into the company's strategic shifts, capital allocation priorities, and business focus evolution.
Key Asset Composition Facts
- Current vs. Non-Current Assets: Pioneer Credit Ltd's current assets represent 33.8% of total assets in 2025, an increase from 0.0% in 2011.
- Cash Position: Cash and equivalents constituted 0.9% of total assets in 2025, down from 11.1% in 2011.
- Tangible vs. Intangible: Intangible assets (including goodwill) make up 0.0% of total assets, a decrease from 66.0% in 2011.
- Asset Diversification: The largest asset category is accounts receivable at 2.3% of total assets.
Pioneer Credit Ltd Competitors by Total Assets
Key competitors of Pioneer Credit Ltd based on total assets are shown below.
| Company | Country | Total Assets |
|---|---|---|
|
Pappajack Bhd
KLSE:0242
|
Malaysia | RM361.68 Million |
|
Evergreen Max Cash Capital Berhad
KLSE:0286
|
Malaysia | RM361.11 Million |
|
Samsung Card Co. Ltd.
KO:029780
|
Korea | ₩32.17 Trillion |
|
Yiren Digital Ltd
F:19YA
|
Germany | €14.45 Billion |
|
Yixin Group Limited
F:1YX
|
Germany | €50.34 Billion |
|
BFF Bank S.p.A
F:2BF
|
Germany | €12.13 Billion |
|
Resurs Holding AB (publ)
F:4R6
|
Germany | €50.33 Billion |
|
Aeon Credit Service Bhd
KLSE:5139
|
Malaysia | RM15.62 Billion |
Pioneer Credit Ltd - Asset Efficiency Metrics
Asset efficiency metrics measure how effectively a company uses its assets to generate revenue and profits. These indicators help investors evaluate management's ability to deploy capital efficiently.
Asset Turnover Ratio
Measures how efficiently a company uses its assets to generate sales
Lower asset utilization - Pioneer Credit Ltd generates 0.00x its asset value in annual revenue.
Return on Assets (ROA)
Measures how efficiently a company uses its assets to generate profits
Moderate ROA - For every $100 in assets, Pioneer Credit Ltd generates $ 1.71 in net profit.
Pioneer Credit Ltd - Liquidity and Working Capital Analysis
Liquidity ratios measure a company's ability to pay off its short-term debts as they come due, using the company's current or quick assets. Working capital represents the operational liquidity available.
Key Liquidity Metrics
| Metric | Current | 1 Year Ago | 5 Years Ago |
|---|---|---|---|
| Current Ratio | 15.02 | 0.30 | 2.29 |
| Quick Ratio | 15.02 | 0.30 | 2.29 |
| Cash Ratio | 0.00 | 0.00 | 0.00 |
| Working Capital | AU$130.81 Million | AU$ -1.53 Million | AU$ 4.60 Million |
Pioneer Credit Ltd - Advanced Valuation Insights
This section examines the relationship between Pioneer Credit Ltd's asset base and its market valuation, helping to identify whether the company's assets are efficiently translated into market value.
Key Valuation Metrics
| Current Price-to-Book Ratio | 1.55 |
| Latest Market Cap to Assets Ratio | 0.12 |
| Asset Growth Rate (YoY) | 5.6% |
| Total Assets | AU$388.58 Million |
| Market Capitalization | $46.00 Million USD |
Valuation Analysis
Below Book Valuation: The market values Pioneer Credit Ltd's assets below their book value (0.12 x), which may indicate investor concerns about asset quality or future growth.
Positive Asset Growth: Pioneer Credit Ltd's assets grew by 5.6% over the past year, showing continued investment in the company's operational capacity.
Annual Total Assets for Pioneer Credit Ltd (2011–2025)
The table below shows the annual total assets of Pioneer Credit Ltd from 2011 to 2025.
| Year | Total Assets | Change |
|---|---|---|
| 2025-06-30 | AU$388.58 Million | +5.61% |
| 2024-06-30 | AU$367.94 Million | +12.60% |
| 2023-06-30 | AU$326.75 Million | -3.74% |
| 2022-06-30 | AU$339.45 Million | +25.58% |
| 2021-06-30 | AU$270.32 Million | -5.79% |
| 2020-06-30 | AU$286.93 Million | +1.03% |
| 2019-06-30 | AU$284.01 Million | +16.02% |
| 2018-06-30 | AU$244.80 Million | +35.88% |
| 2017-06-30 | AU$180.16 Million | +41.41% |
| 2016-06-30 | AU$127.41 Million | +34.25% |
| 2015-06-30 | AU$94.91 Million | +35.00% |
| 2014-06-30 | AU$70.30 Million | +67.54% |
| 2013-06-30 | AU$41.96 Million | +63.15% |
| 2012-06-30 | AU$25.72 Million | +74.20% |
| 2011-06-30 | AU$14.77 Million | -- |