
Pioneer Credit Ltd
ASX:PNC

Income Statement
Earnings Waterfall
Pioneer Credit Ltd
Revenue
|
71.1m
AUD
|
Operating Expenses
|
-61m
AUD
|
Operating Income
|
10.1m
AUD
|
Other Expenses
|
-20.1m
AUD
|
Net Income
|
-10m
AUD
|
Income Statement
Pioneer Credit Ltd
Jun-2015 | Dec-2015 | Jun-2016 | Dec-2016 | Jun-2017 | Dec-2017 | Jun-2018 | Dec-2018 | Jun-2019 | Dec-2019 | Jun-2020 | Dec-2020 | Jun-2021 | Dec-2021 | Jun-2022 | Dec-2022 | Jun-2023 | Dec-2023 | Jun-2024 | ||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | ||||||||||||||||||||
Revenue |
39
N/A
|
44
+14%
|
48
+8%
|
51
+7%
|
56
+10%
|
69
+22%
|
81
+18%
|
81
+1%
|
75
-8%
|
66
-12%
|
54
-19%
|
80
+49%
|
53
-33%
|
55
+4%
|
54
-2%
|
64
+19%
|
83
+28%
|
91
+10%
|
71
-22%
|
|
Operating Income | ||||||||||||||||||||
Operating Expenses |
(27)
|
(29)
|
(32)
|
(34)
|
(38)
|
(44)
|
(51)
|
(54)
|
(59)
|
(62)
|
(58)
|
(82)
|
(46)
|
(54)
|
(56)
|
(47)
|
(49)
|
(52)
|
(61)
|
|
Selling, General & Administrative |
(24)
|
(26)
|
(29)
|
(31)
|
(35)
|
(41)
|
(48)
|
(50)
|
(54)
|
(56)
|
(51)
|
(73)
|
(39)
|
(41)
|
(45)
|
(45)
|
(46)
|
(49)
|
(56)
|
|
Depreciation & Amortization |
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(2)
|
(2)
|
(3)
|
(3)
|
(4)
|
(6)
|
(4)
|
(4)
|
(3)
|
(2)
|
(2)
|
(2)
|
(2)
|
|
Other Operating Expenses |
(1)
|
(1)
|
(1)
|
(1)
|
(2)
|
(2)
|
(2)
|
(2)
|
(3)
|
(3)
|
(2)
|
(3)
|
(3)
|
(9)
|
(8)
|
(1)
|
(0)
|
(0)
|
(3)
|
|
Operating Income |
12
N/A
|
15
+26%
|
16
+5%
|
18
+10%
|
19
+5%
|
25
+32%
|
30
+21%
|
28
-7%
|
16
-43%
|
5
-71%
|
(4)
N/A
|
(2)
+51%
|
7
N/A
|
1
-82%
|
(2)
N/A
|
17
N/A
|
34
+100%
|
39
+15%
|
10
-74%
|
|
Pre-Tax Income | ||||||||||||||||||||
Interest Income Expense |
(2)
|
(2)
|
(2)
|
(3)
|
(3)
|
(3)
|
(4)
|
(6)
|
(7)
|
(8)
|
(26)
|
(35)
|
(26)
|
(34)
|
(29)
|
(27)
|
(33)
|
(37)
|
(38)
|
|
Non-Reccuring Items |
0
|
0
|
0
|
0
|
0
|
0
|
(0)
|
(0)
|
(1)
|
(1)
|
(1)
|
(1)
|
2
|
2
|
(0)
|
(0)
|
0
|
0
|
(0)
|
|
Gain/Loss on Disposition of Assets |
0
|
0
|
0
|
0
|
0
|
0
|
1
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
Total Other Income |
0
|
0
|
0
|
0
|
0
|
(1)
|
(1)
|
(2)
|
(2)
|
(2)
|
(13)
|
(13)
|
(1)
|
(2)
|
(3)
|
(2)
|
(1)
|
(1)
|
(3)
|
|
Pre-Tax Income |
11
N/A
|
14
+27%
|
14
+1%
|
15
+9%
|
15
+2%
|
21
+36%
|
25
+21%
|
21
-17%
|
7
-68%
|
(7)
N/A
|
(44)
-558%
|
(52)
-18%
|
(17)
+67%
|
(32)
-89%
|
(33)
-4%
|
(12)
+65%
|
0
N/A
|
1
+772%
|
(31)
N/A
|
|
Net Income | ||||||||||||||||||||
Tax Provision |
(3)
|
(4)
|
(4)
|
(5)
|
(4)
|
(6)
|
(7)
|
(6)
|
(2)
|
(1)
|
4
|
3
|
(3)
|
(2)
|
(0)
|
0
|
(0)
|
(0)
|
21
|
|
Income from Continuing Operations |
7
|
9
|
9
|
10
|
11
|
15
|
18
|
15
|
4
|
(7)
|
(40)
|
(48)
|
(20)
|
(34)
|
(33)
|
(12)
|
0
|
1
|
(10)
|
|
Net Income (Common) |
7
N/A
|
9
+27%
|
9
N/A
|
10
+9%
|
11
+4%
|
15
+36%
|
18
+20%
|
13
-25%
|
4
-68%
|
(10)
N/A
|
(40)
-305%
|
(48)
-21%
|
(20)
+59%
|
(34)
-74%
|
(33)
+3%
|
(12)
+65%
|
0
N/A
|
1
+787%
|
(10)
N/A
|
|
EPS (Diluted) |
0.16
N/A
|
0.2
+25%
|
0.2
N/A
|
0.21
+5%
|
0.2
-5%
|
0.25
+25%
|
0.28
+12%
|
0.2
-29%
|
0.07
-65%
|
-0.15
N/A
|
-0.63
-320%
|
-0.77
-22%
|
-0.3
+61%
|
-0.43
-43%
|
-0.4
+7%
|
-0.1
+75%
|
0
N/A
|
0.01
N/A
|
-0.09
N/A
|