
Pioneer Credit Ltd
ASX:PNC

Profitability Summary
Pioneer Credit Ltd's profitability score is 35/100. We take all the information about a company's profitability (such as its margins, capital efficiency, free cash flow generating ability, and more) and consolidate it into one single number - the profitability score. The higher the profitability score, the more profitable the company is.

Score
We take all the information about a company's profitability (such as its margins, capital efficiency, free cash flow generating ability, and more) and consolidate it into one single number - the profitability score. The higher the profitability score, the more profitable the company is.
We take all the information about a company's profitability (such as its margins, capital efficiency, free cash flow generating ability, and more) and consolidate it into one single number - the profitability score. The higher the profitability score, the more profitable the company is.

Score

Score
Past Growth
To be successful and remain in business, both growth and profitability are important and necessary. Net Income growth is often seen as a sign of a company's efficiency from an operational standpoint, but is influenced heavily by a company's goals and challenges and should therefore be assessed in conjunction with other metrics like revenue and operating income growth.
Margins
Profit margins represent what percentage of sales has turned into profits. Simply put, the percentage figure indicates how many cents of profit the company has generated for each dollar of sale.
Profit margins help investors assess if a company's management is generating enough profit from its sales and whether operating costs and overhead costs are being contained.
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
|
Margins Comparison
Pioneer Credit Ltd Competitors
Country | Company | Market Cap |
Operating Margin |
Net Margin |
||
---|---|---|---|---|---|---|
AU |
![]() |
Pioneer Credit Ltd
ASX:PNC
|
69.9m AUD |
14%
|
-14%
|
|
IN |
![]() |
Indian Railway Finance Corp Ltd
NSE:IRFC
|
1.7T INR |
99%
|
24%
|
|
IN |
![]() |
Power Finance Corporation Ltd
NSE:PFC
|
1.3T INR |
98%
|
22%
|
|
IN |
![]() |
REC Limited
NSE:RECLTD
|
1.1T INR |
36%
|
29%
|
|
JP |
![]() |
Shinkin Central Bank
TSE:8421
|
1.9T JPY |
0%
|
9%
|
|
JP |
![]() |
Mitsubishi HC Capital Inc
TSE:8593
|
1.5T JPY |
9%
|
6%
|
|
CA |
![]() |
Element Fleet Management Corp
TSX:EFN
|
11.3B CAD |
20%
|
18%
|
|
TW |
![]() |
Chailease Holding Company Ltd
TWSE:5871
|
203.9B TWD |
30%
|
22%
|
|
JP |
![]() |
Tokyo Century Corp
TSE:8439
|
756.7B JPY |
8%
|
6%
|
|
IN |
I
|
Indian Renewable Energy Development Agency Ltd
NSE:IREDA
|
403.1B INR |
34%
|
25%
|
|
IN |
![]() |
Housing and Urban Development Corporation Ltd
NSE:HUDCO
|
398.4B INR |
96%
|
28%
|
Return on Capital
Return on capital ratios give a sense of how well a company is using its capital (equity, assets, capital employed, etc.) to generate profits (operating income, net income, etc.). In simple words, these ratios show how much income is generated for each dollar of capital invested.




Return on Capital Comparison
Pioneer Credit Ltd Competitors
Country | Company | Market Cap | ROE | ROA | ROCE | ROIC | ||
---|---|---|---|---|---|---|---|---|
AU |
![]() |
Pioneer Credit Ltd
ASX:PNC
|
69.9m AUD |
-23%
|
-3%
|
5%
|
2%
|
|
IN |
![]() |
Indian Railway Finance Corp Ltd
NSE:IRFC
|
1.7T INR |
13%
|
1%
|
6%
|
6%
|
|
IN |
![]() |
Power Finance Corporation Ltd
NSE:PFC
|
1.3T INR |
22%
|
2%
|
9%
|
8%
|
|
IN |
![]() |
REC Limited
NSE:RECLTD
|
1.1T INR |
22%
|
3%
|
4%
|
3%
|
|
JP |
![]() |
Shinkin Central Bank
TSE:8421
|
1.9T JPY |
2%
|
0%
|
0%
|
0%
|
|
JP |
![]() |
Mitsubishi HC Capital Inc
TSE:8593
|
1.5T JPY |
8%
|
1%
|
2%
|
1%
|
|
CA |
![]() |
Element Fleet Management Corp
TSX:EFN
|
11.3B CAD |
15%
|
3%
|
4%
|
3%
|
|
TW |
![]() |
Chailease Holding Company Ltd
TWSE:5871
|
203.9B TWD |
13%
|
2%
|
8%
|
3%
|
|
JP |
![]() |
Tokyo Century Corp
TSE:8439
|
756.7B JPY |
10%
|
1%
|
2%
|
1%
|
|
IN |
I
|
Indian Renewable Energy Development Agency Ltd
NSE:IREDA
|
403.1B INR |
19%
|
3%
|
4%
|
3%
|
|
IN |
![]() |
Housing and Urban Development Corporation Ltd
NSE:HUDCO
|
398.4B INR |
16%
|
3%
|
9%
|
7%
|
Free Cash Flow
Free cash flow (FCF) is the money a company has left over after paying its operating expenses and capital expenditures. The more free cash flow a company has, the more it can allocate to dividends, paying down debt, and growth opportunities.
If a company has a decreasing free cash flow, that is not necessarily bad if the company is investing in its growth.


