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Pioneer Credit Valuation Multiples
Discover revenue and EBITDA valuation multiples for Pioneer Credit and similar public comparables like Delfin, ALBIS Leasing, Veefin, Minupar Participacoes and more.
Pioneer Credit Overview
About Pioneer Credit
Pioneer Credit Ltd provides financial services in Australia. Its primary business involves the acquisition and servicing of Purchased Debt Portfolios (PDPs). The company has launched its app, called Pioneer Path, which is a personal finance and budget management app that helps customers spend less, save more, and reduce debt.
Founded
2002
HQ
Employees
359
Website
Sectors
Financials (LTM)
EV
$197M
Pioneer Credit Financials
Pioneer Credit reported last 12-month revenue of $65M and EBITDA of $55M.
In the same LTM period, Pioneer Credit generated $55M in EBITDA and $13M in net income.
Revenue (LTM)
Pioneer Credit P&L
In the most recent fiscal year, Pioneer Credit reported revenue of $64M and EBITDA of $46M.
Pioneer Credit expects next 12-month revenue of XXX and NTM EBITDA of XXX
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue | $65M | XXX | $64M | XXX | XXX | XXX |
| Gross Profit | — | XXX | $64M | XXX | XXX | XXX |
| Gross Margin | — | XXX | 100% | XXX | XXX | XXX |
| EBITDA | $55M | XXX | $46M | XXX | XXX | XXX |
| EBITDA Margin | 84% | XXX | 71% | XXX | XXX | XXX |
| EBIT Margin | 51% | XXX | 48% | XXX | XXX | XXX |
| Net Profit | $13M | XXX | $5M | XXX | XXX | XXX |
| Net Margin | 20% | XXX | 7% | XXX | XXX | XXX |
| Net Debt | — | — | $203M | XXX | XXX | XXX |
Financial data powered by Morningstar, Inc.
Pioneer Credit Stock Performance
Pioneer Credit has current market cap of $80M, and enterprise value of $197M.
Market Cap Evolution
Pioneer Credit's stock price is $0.50.
| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $197M | $80M | 0.0% | XXX | XXX | XXX | $0.03 |
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Start Free TrialPioneer Credit Valuation Multiples
Pioneer Credit trades at 3.0x EV/Revenue multiple, and 3.6x EV/EBITDA.
EV / Revenue (LTM)
Pioneer Credit Financial Valuation Multiples
As of March 29, 2026, Pioneer Credit has market cap of $80M and EV of $197M.
Equity research analysts estimate Pioneer Credit's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
Pioneer Credit has a P/E ratio of 6.1x.
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $80M | XXX | $80M | XXX | XXX | XXX |
| EV (current) | $197M | XXX | $197M | XXX | XXX | XXX |
| EV/Revenue | 3.0x | XXX | 3.1x | XXX | XXX | XXX |
| EV/EBITDA | 3.6x | XXX | 4.3x | XXX | XXX | XXX |
| EV/EBIT | 5.9x | XXX | 6.4x | XXX | XXX | XXX |
| EV/Gross Profit | — | XXX | 3.1x | XXX | XXX | XXX |
| P/E | 6.1x | XXX | 17.5x | XXX | XXX | XXX |
| EV/FCF | 33.4x | XXX | 16.0x | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Verified Pioneer Credit Valuation Multiples
Access all public comps and forward-looking valuation multiples like EV/Revenue in 2027, based on consensus analyst estimates. Powered by FactSet and Morningstar.
Pioneer Credit Margins & Growth Rates
Pioneer Credit's revenue in the last 12 month grew by 12%.
Pioneer Credit's revenue per employee in the last FY averaged $0.2M, while opex per employee averaged $0.1M for the same period.
Pioneer Credit's rule of 40 is 96% (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).
Pioneer Credit's rule of X is 109% (created by Bessemer, rule of X is another metric to measure SaaS companies, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).
Pioneer Credit Operational Valuation Multiples
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 12% | XXX | 5% | XXX | XXX | XXX |
| EBITDA Margin | 84% | XXX | 71% | XXX | XXX | XXX |
| EBITDA Growth | 17% | XXX | 27% | XXX | XXX | XXX |
| Rule of 40 | — | XXX | 96% | XXX | XXX | XXX |
| Bessemer Rule of X | — | XXX | 109% | XXX | XXX | XXX |
| Revenue per Employee | — | XXX | $0.2M | XXX | XXX | XXX |
| Opex per Employee | — | XXX | $0.1M | XXX | XXX | XXX |
| G&A Expenses to Revenue | — | XXX | 39% | XXX | XXX | XXX |
| Opex to Revenue | — | XXX | 52% | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Pioneer Credit Public Comps
See public comps and valuation multiples for other Specialty Finance comps.
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| LTM | 2026E | 2027E | LTM | 2026E | 2027E | |
| Delfin | XXX | XXX | XXX | XXX | XXX | XXX |
| ALBIS Leasing | XXX | XXX | XXX | XXX | XXX | XXX |
| Veefin | XXX | XXX | XXX | XXX | XXX | XXX |
| Minupar Participacoes | XXX | XXX | XXX | XXX | XXX | XXX |
| RMS Mezzanine | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
Pioneer Credit M&A Activity
Pioneer Credit acquired XXX companies to date.
Last acquisition by Pioneer Credit was on XXXXXXXX, XXXXX. Pioneer Credit acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Acquisitions by Pioneer Credit
| Acquired Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialPioneer Credit Investment Activity
Pioneer Credit invested in XXX companies to date.
Pioneer Credit made its latest investment on XXXXXXXX, XXXXX. Pioneer Credit invested in XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Investments by Pioneer Credit
| Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialAbout Pioneer Credit
| When was Pioneer Credit founded? | Pioneer Credit was founded in 2002. |
| Where is Pioneer Credit headquartered? | Pioneer Credit is headquartered in Australia. |
| How many employees does Pioneer Credit have? | As of today, Pioneer Credit has over 359 employees. |
| Is Pioneer Credit publicly listed? | Yes, Pioneer Credit is a public company listed on Australian Securities Exchange. |
| What is the stock symbol of Pioneer Credit? | Pioneer Credit trades under PNC ticker. |
| When did Pioneer Credit go public? | Pioneer Credit went public in 2014. |
| Who are competitors of Pioneer Credit? | Pioneer Credit main competitors are Delfin, ALBIS Leasing, Veefin, Minupar Participacoes. |
| What is the current market cap of Pioneer Credit? | Pioneer Credit's current market cap is $80M. |
| What is the current revenue of Pioneer Credit? | Pioneer Credit's last 12 months revenue is $65M. |
| What is the current revenue growth of Pioneer Credit? | Pioneer Credit revenue growth (NTM/LTM) is 12%. |
| What is the current EV/Revenue multiple of Pioneer Credit? | Current revenue multiple of Pioneer Credit is 3.0x. |
| Is Pioneer Credit profitable? | Yes, Pioneer Credit is EBITDA-positive (as of the last 12 months). |
| What is the current EBITDA of Pioneer Credit? | Pioneer Credit's last 12 months EBITDA is $55M. |
| What is Pioneer Credit's EBITDA margin? | Pioneer Credit's last 12 months EBITDA margin is 84%. |
| What is the current EV/EBITDA multiple of Pioneer Credit? | Current EBITDA multiple of Pioneer Credit is 3.6x. |
| What is the current FCF of Pioneer Credit? | Pioneer Credit's last 12 months FCF is $6M. |
| What is Pioneer Credit's FCF margin? | Pioneer Credit's last 12 months FCF margin is 9%. |
| What is the current EV/FCF multiple of Pioneer Credit? | Current FCF multiple of Pioneer Credit is 33.4x. |
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