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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.
2002
359
LTM Revenue $62.5M
LTM EBITDA $48.9M
$182M
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As of August 2025, Pioneer Credit reported last 12-month revenue of $62.5M and EBITDA of $48.9M.
In the same period, Pioneer Credit achieved $6.1M in LTM net income.
See Pioneer Credit valuation multiples based on analyst estimatesIn the most recent fiscal year, Pioneer Credit reported revenue of $61.0M and EBITDA of $30.1M.
Pioneer Credit expects next 12-month revenue of XXX and NTM EBITDA of XXX
See Pioneer Credit valuation multiples based on analyst estimates| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue | $62.5M | XXX | $61.0M | XXX | XXX | XXX |
| Gross Profit | n/a | XXX | $61.0M | XXX | XXX | XXX |
| Gross Margin | n/a | XXX | 100% | XXX | XXX | XXX |
| EBITDA | $48.9M | XXX | $30.1M | XXX | XXX | XXX |
| EBITDA Margin | 78% | XXX | 49% | XXX | XXX | XXX |
| EBIT | $30.8M | XXX | $29.2M | XXX | XXX | XXX |
| EBIT Margin | 49% | XXX | 48% | XXX | XXX | XXX |
| Net Profit | $6.1M | XXX | $4.4M | XXX | XXX | XXX |
| Net Margin | 10% | XXX | 7% | XXX | XXX | XXX |
| Net Debt | XXX | XXX | $193M | XXX | XXX | XXX |
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Pioneer Credit has current market cap of AUD 93.2M (or $61.1M), and EV of AUD 277M (or $182M).
As of September 19, 2025, Pioneer Credit's stock price is AUD 1 (or $0).
See Pioneer Credit trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $182M | $61.1M | XXX | XXX | XXX | XXX | $0.03 |
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Start Free TrialPioneer Credit's trades at 3.5x EV/Revenue multiple, and 9.3x EV/EBITDA.
See valuation multiples for Pioneer Credit and 15K+ public compsAs of September 19, 2025, Pioneer Credit has market cap of $61.1M and EV of $182M.
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 10.0x.
| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $61.1M | XXX | $61.1M | XXX | XXX | XXX |
| EV (current) | $182M | XXX | $182M | XXX | XXX | XXX |
| EV/Revenue | 2.9x | XXX | 3.5x | XXX | XXX | XXX |
| EV/EBITDA | 3.7x | XXX | 9.3x | XXX | XXX | XXX |
| EV/EBIT | 5.9x | XXX | 10.8x | XXX | XXX | XXX |
| EV/Gross Profit | n/a | XXX | n/a | XXX | XXX | XXX |
| P/E | 10.0x | XXX | -55.2x | XXX | XXX | XXX |
| EV/FCF | 13.3x | XXX | -13.1x | XXX | XXX | XXX |
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Start Free TrialPioneer Credit's last 12 month revenue growth is 9%
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 47% (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).
Pioneer Credit's rule of X is 101% (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).
See operational valuation multiples for Pioneer Credit and other 15K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 9% | XXX | 16% | XXX | XXX | XXX |
| EBITDA Margin | 78% | XXX | 37% | XXX | XXX | XXX |
| EBITDA Growth | 24% | XXX | 80% | XXX | XXX | XXX |
| Rule of 40 | 47% | XXX | 47% | XXX | XXX | XXX |
| Bessemer Rule of X | XXX | XXX | 101% | XXX | XXX | XXX |
| Revenue per Employee | XXX | XXX | $0.2M | XXX | XXX | XXX |
| Opex per Employee | XXX | XXX | $0.1M | XXX | XXX | XXX |
| S&M Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| G&A Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| R&D Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| Opex to Revenue | XXX | XXX | 52% | XXX | XXX | XXX |
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Benchmark public comps and private revenue and EBITDA valuation multiples across GRC software, cloud infrastructure, DevOps, online marketplaces and so much more!
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| 2025E | 2026E | 2027E | 2025E | 2026E | 2027E | |
| Australian Finance Group | XXX | XXX | XXX | XXX | XXX | XXX |
| Credit Corp Gr | XXX | XXX | XXX | XXX | XXX | XXX |
| Credit Clear | XXX | XXX | XXX | XXX | XXX | XXX |
| COG Financial Services | XXX | XXX | XXX | XXX | XXX | XXX |
| EarlyPay | 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 acquired XXX companies to date.
Last acquisition by Pioneer Credit was XXXXXXXX, XXXXX XXXXX XXXXXX . Pioneer Credit acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX ).
See M&A valuation multiples| Acquired Company | EV | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
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Start Free Trial| 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 359 employees. |
| Is Pioneer Credit publicy listed? | Yes, Pioneer Credit is a public company listed on ASX. |
| 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? | Similar companies to Pioneer Credit include e.g. Australian Finance Group, Credit Corp Gr, Credit Clear, COG Financial Services. |
| What is the current market cap of Pioneer Credit? | Pioneer Credit's current market cap is $61.1M |
| What is the current revenue of Pioneer Credit? | Pioneer Credit's last 12 months revenue is $62.5M. |
| What is the current revenue growth of Pioneer Credit? | Pioneer Credit revenue growth (NTM/LTM) is 9%. |
| What is the current EV/Revenue multiple of Pioneer Credit? | Current revenue multiple of Pioneer Credit is 2.9x. |
| 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 $48.9M. |
| What is Pioneer Credit's EBITDA margin? | Pioneer Credit's last 12 months EBITDA margin is 78%. |
| What is the current EV/EBITDA multiple of Pioneer Credit? | Current EBITDA multiple of Pioneer Credit is 3.7x. |
| What is the current FCF of Pioneer Credit? | Pioneer Credit's last 12 months FCF is $13.7M. |
| What is Pioneer Credit's FCF margin? | Pioneer Credit's last 12 months FCF margin is 22%. |
| What is the current EV/FCF multiple of Pioneer Credit? | Current FCF multiple of Pioneer Credit is 13.3x. |
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