PNC (Pioneer Credit Ltd) vs S&P/ASX 300 Comparison

PNC

S&P/ASX 300

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PNC

S&P/ASX 300

Difference

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PNC

S&P/ASX 300

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Compare the stock's returns with its benchmark index and competitors. Gain insights into its relative performance over time.

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S&P/ASX 300

PNC

IRFC

PFC

RECLTD

8593

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Compare the stock's returns with its benchmark index and competitors. Gain insights into its relative performance over time.

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Pioneer Credit Ltd
Glance View

Market Cap

93.2m AUD

Industry

Financial Services

Pioneer Credit Ltd. engages in the provision of financial services specializing in acquiring and servicing unsecured retail debt portfolios. The company is headquartered in Perth, Western Australia. The company went IPO on 2014-05-01. The firm is focused on acquiring and servicing Purchased Debt Portfolios (PDPs). The firm is also focused on providing customer service along with a range of products and solutions to help them achieve their financial goals, including the Company's application, Pioneer Path and its intuitive customer portal. Pioneer Path is a free personal finance and budget management application showing the user how to spend less, save more and reduce debt. The firm's subsidiaries include Pioneer Credit Solutions Pty Limited, Sphere Legal Pty Limited, Pioneer Credit (Philippines) Pty Limited, Pioneer Credit Connect Pty Limited, Pioneer Credit Broking Services Pty Limited and Switchmyloan Pty Limited.

View PNC Analysis

PNC Intrinsic Value

What is Intrinsic Value?

Economic Moat is a concept popularized by Warren Buffett to describe a company's durable competitive advantage. It represents the 'moat' that protects a company from competitors and helps it sustain profitability over the long term. Our analysis of the past 10 years showed that companies with a wide economic moat significantly outperformed the market, delivering +645% returns compared to +189% for the S&P 500.

Our research into Economic Moat performance spans the past 10 years and focuses on companies with a wide economic moat. For this analysis, we calculated the average stock price returns of these companies, comparing them to the performance of the S&P 500 index over the same period.

The results were compelling: wide moat stocks achieved a remarkable +645% average return, compared to +188% for the broader market. This difference highlights the long-term benefits of investing in businesses that can maintain their market position and pricing power over time.

Note: This research does not account for survivorship bias. Past performance is not indicative of future results.

Determining whether a company has an economic moat requires both a deep dive into financial metrics and a qualitative assessment of its competitive position. Our analysts conduct a rigorous evaluation that focuses on identifying structural advantages that enable a company to sustain profitability and defend its market share over the long term.

The process begins with an analysis of a company’s historical financial performance. We assess how consistently the company has generated returns above its cost of capital and whether those returns have been stable or improving. However, financial performance alone doesn’t reveal the full picture. To understand the sources of these advantages, we evaluate five key drivers of economic moats:

Network Effect: We analyze whether the value of a company’s product or service grows as its user base expands. Platforms like payment systems or marketplaces benefit from this self-reinforcing.

Switching Costs: We assess whether customers face significant costs or disruptions when switching to a competitor’s product or service. High switching costs create customer stickiness and provide pricing power.

Intangible Assets: Strong brands, patents, and regulatory licenses can protect a company’s market position by creating barriers for competitors or enabling premium pricing. For example, a well-recognized consumer brand may command higher customer loyalty and margins.

Efficient scale: Occurs when a market is optimally served by one or a few players, making it unprofitable for new entrants to compete. This typically happens in industries with high fixed costs or geographic constraints, such as utilities or pipelines.

Cost Advantage: Companies with structural cost advantages can produce goods or services at a lower cost than their competitors, enabling them to offer competitive pricing or maintain higher margins. These advantages often arise from economies of scale, superior supply chain management, or proprietary technology. Firms like Walmart leverage their massive scale to negotiate better terms with suppliers, allowing them to undercut competitors on price.

By examining these factors in combination with a company’s financial performance and market positioning, we classify each company into one of three categories:

This rigorous evaluation ensures that our moat ratings are both comprehensive and reliable, giving investors the tools they need to make well-informed, long-term decisions.

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JP		Shinkin Central Bank TSE:8421	Add
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PNC

vs

S&P/ASX 300

Stocks Performance
PNC vs S&P/ASX 300

Performance Gap
PNC vs S&P/ASX 300

Performance By Year
PNC vs S&P/ASX 300

Competitors Performance
Pioneer Credit Ltd vs Peers

Pioneer Credit Ltd
Glance View

Company

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PNC vs S&P/ASX 300

Stocks Performance PNC vs S&P/ASX 300

Performance Gap PNC vs S&P/ASX 300

Performance By Year PNC vs S&P/ASX 300

Competitors Performance Pioneer Credit Ltd vs Peers

Pioneer Credit Ltd Glance View

Company

Help

Tools

Stocks

PNC

vs

S&P/ASX 300

Stocks Performance
PNC vs S&P/ASX 300

Performance Gap
PNC vs S&P/ASX 300

Performance By Year
PNC vs S&P/ASX 300

Competitors Performance
Pioneer Credit Ltd vs Peers

Pioneer Credit Ltd
Glance View