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PNC

Pioneer Credit Limited
Chart
0.69 AUD
Latest Week 2026-07-17
Financial ServicesCredit ServicesMICRO
Snapshot 2026-07-19 · 0.7w · Fresh
0.97
OS Score
88.0%
Value
91.0%
Quality
93.0%
Momentum
4/9
F-Score
0.895
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
6 of 23 passing
★
OS Composite
OS 0.970
↗
Trending Value
✗
◆
Quality × Value
QV 0.895
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
✗
◇
VC2 Cheapest
✗
📐
EBITDA/EV
11.1%
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
✗
🌱
GARP
Rev +42%
🔄
Shareholder Yield
✗
💰
High Yield
✗
🚀
Momentum Leaders
12-1 39%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
✗
🛡
Low Volatility
✗
🏷
Sector Cheapest
✗
🧠
Capital Allocators
✗
⚡
Risk-Adj Momentum
RAM 1.05
V
Value Analysis
Cheapness relative to fundamentals
88.0%ile
P/E
16.8×
P/S
1.2×
P/B
1.8×
E/P
0.1081
FCF Yield
-0.031
EBITDA/EV
0.111
SH Yield
-0.084
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
12.00000000
/100 — 1=cheapest
VC2 (Trending Value)
83.00000000
/100
VC3 (Buyback)
83.00000000
/100
Negative FCF yield (-3.1%) — the business is currently cash-consumptive. VC2 score of 83.00000000/100 — expensive across all six composite measures.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
91.0%ile
ROE
0.110
ROA
0.017
Net Margin
0.072
Op Margin
0.479
GPA
0.240
Current
3.77
F-Score
4/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.417
5yr Consist
No
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
93.0%ile
6M Return
0.0%
12M Return
37.6%
12-1 Mom
38.6%
Risk-Adj
1.05
Vol 252d
36.8%
Vol 60d
85.3%
↑ Expanding
Max DD 12M
-21.9%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of 39% is very strong — a clear uptrend. Near-term vol (85%) is expanding vs long-term (37%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.97
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 159 peers
Sector Value %ile
81.2%
Sector Quality %ile
91.2%
P/E z-score
-0.20
P/B z-score
-0.09
Sector Avg OS
53.5%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
HLI Helia Group Limited 99.0% 96.0% 96.0% 92.0%
TWR Tower Limited 99.0% 98.0% 95.0% 88.0%
SVR Solvar Limited 98.0% 96.0% 96.0% 85.0%
ACQ Acorn Capital Investment Fund Limited 97.0% 92.0% 88.0% 89.0%
BFL BSP Financial Group Limited 97.0% 95.0% 89.0% 83.0%
KSL Kina Securities Limited 97.0% 96.0% 85.0% 83.0%
HGH Heartland Group Holdings Limited 96.0% 89.0% 84.0% 94.0%
FSA FSA Group Limited 96.0% 85.0% 96.0% 93.0%
Factor Interactions
Value + Quality Intersection
Top-tier on both cheapness (88th) and quality (91th) — the O'Shaughnessy sweet spot, historically the strongest long-term combination.
Trending Value Signal
Cheap (88th value) with strong momentum (93th). The market is starting to recognise the value.
Growth at Reasonable Price
Revenue growing 42% with P/E of 17×. Growth isn't fully priced in.
Volatility Expanding
60-day vol (85%) significantly exceeds 252-day (37%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
C
53.9% avg (7 factors)
Quality
C
54.7% avg (6 factors)
Momentum
B
62.1% avg (4 factors)
Risk
C
55.3% avg (1 factors)
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Score Trends7 snapshots
Factor Persistence7 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.970—7—
Value %ile0.880—7—
Quality %ile0.910—7—
Momentum %ile0.930—7—
F-Score4.000—7—
Confidence0.428—0—
Volatility0.368—0—
Value Lens2021-07-20 → 2026-07-19
P/E Ratio
Earnings Yield
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
16.76
Earnings Yield (E/P)
0.1081
Price / Sales
1.20
Price / Book
1.84
FCF Yield
-3.1%
EBITDA / EV
11.1%
Sales Yield (1/P·S)
0.2257
Shareholder Yield
Div + net buyback / mktcap
-8.4%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
11.0%
Return on Assets
1.7%
Net Margin
7.2%
Operating Margin
47.9%
Gross Profit / Assets
Novy-Marx GPA
24.0%
Current Ratio
3.77
MomentumPrice trend strength over different horizons
6M Return
0.0%
12M Return
37.6%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
38.6%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
1.05
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
41.7%
5yr Consistent
EPS up every year for 5 years
No
Piotroski F-Score
4
Buyback Yield
-8.4%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
12
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
83
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
83
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity