Pioneer Credit Ltd
ASX:PNC
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EV/EBIT
Enterprise Value to EBIT (EV/EBIT) ratio compares a company`s total enterprise value to its earnings before interest and taxes. It shows how much investors are paying for each dollar of the company`s earnings, including both equity and debt.
Enterprise Value to EBIT (EV/EBIT) ratio compares a company`s total enterprise value to its earnings before interest and taxes. It shows how much investors are paying for each dollar of the company`s earnings, including both equity and debt.
Valuation Scenarios
If EV/EBIT returns to its 3-Year Average (5.5), the stock would be worth AU$0.66 (7% upside from current price).
| Scenario | EV/EBIT Value | Implied Price | Upside/Downside |
|---|---|---|---|
| Current Multiple | 5.1 | AU$0.61 |
0%
|
| 3-Year Average | 5.5 | AU$0.66 |
+7%
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| 5-Year Average | 5.5 | AU$0.66 |
+7%
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| Industry Average | 12.1 | AU$1.43 |
+135%
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| Country Average | 16.8 | AU$1.99 |
+226%
|
Forward EV/EBIT
Today’s price vs future ebit
| Today's Enterprise Value | EBIT | Forward EV/EBIT | ||
|---|---|---|---|---|
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AU$272.7m
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/ |
Jan 2026
AU$50m
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= |
|
|
AU$272.7m
|
/ |
Jun 2026
AU$51.1m
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= |
|
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AU$272.7m
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/ |
Jun 2027
AU$58.8m
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= |
|
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AU$272.7m
|
/ |
Jun 2028
AU$63.7m
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= |
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Forward EV/EBIT shows whether today’s EV/EBIT still looks high or low once future ebit are taken into account.
Peer Comparison
| Market Cap | EV/EBIT | P/E | ||||
|---|---|---|---|---|---|---|
| AU |
|
Pioneer Credit Ltd
ASX:PNC
|
96.8m AUD | 5.1 | 6.4 | |
| IN |
S
|
SPS Finquest Ltd
BSE:538402
|
2.6T INR | 48 145.1 | 877 228.1 | |
| TR |
D
|
Destek Finans Faktoring AS
IST:DSTKF.E
|
758.7B TRY | 111.9 | 201.5 | |
| IN |
|
Power Finance Corporation Ltd
NSE:PFC
|
1.5T INR | 10.1 | 6.1 | |
| IN |
|
Indian Railway Finance Corp Ltd
NSE:IRFC
|
1.4T INR | 20.8 | 19.3 | |
| JP |
|
Mitsubishi HC Capital Inc
TSE:8593
|
2.1T JPY | 38.2 | 11.4 | |
| IN |
|
REC Limited
NSE:RECLTD
|
983B INR | 26.3 | 5.8 | |
| JP |
|
Shinkin Central Bank
TSE:8421
|
1.7T JPY | 0 | 57.7 | |
| CA |
|
Element Fleet Management Corp
TSX:EFN
|
12.9B CAD | 47.8 | 46.8 | |
| JP |
|
Tokyo Century Corp
TSE:8439
|
1T JPY | 32.7 | 8 | |
| TW |
|
Chailease Holding Company Ltd
TWSE:5871
|
201.9B TWD | 15.4 | 10.5 |
Market Distribution
| Min | 0 |
| 30th Percentile | 10.7 |
| Median | 16.8 |
| 70th Percentile | 24.5 |
| Max | 6 797.5 |
Other Multiples
Pioneer Credit Ltd
Glance View
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.
