Pioneer Credit Ltd · ASX:PNC
Pioneer Credit — Shareholder Meeting (October 2025)
9 slides from Pioneer Credit's shareholder meeting presentation, Oct 30, 2025
Slide 1: Managing Director Presentation
ASX release 30 October 2025 Managing Director Presentation Following is a copy of the Managing Director’s presentation being made today. Authorised by: Board of Directors, Pioneer Credit Limited Investor and media enquiries: Keith John Managing Director Pioneer Credit Limited M: 0438 877 767 About P
Slide 2: AGM Presentation
AGM Presentation Keith John Managing Director 30 October 2025
Slide 3: Important Notice: Disclaimer
ANNUAL GENERAL MEETING // OCTOBER 2025 Important Notice: Disclaimer This presentation has been prepared by Pioneer Credit Limited (“Pioneer” or the “Company”). Disclaimer: This presentation contains information about Pioneer’s activities as at the date of the presentation, is in summary form, and sh
Slide 4: About Us
ANNUAL GENERAL MEETING // OCTOBER 2025 ABOUT US Ethical debt recovery, underpinned by an industry leading We provide flexible solutions compliance record We tailor solutions to help our customers address their account in a way that suits their needs • Pioneer Credit (ASX: PNC) is a leading Australia
Slide 5: FY26 YTD Highlights
ANNUAL GENERAL MEETING // OCTOBER 2025 FY26 YTD HIGHLIGHTS • Secured a 100bps reduction in margin on $272.5m Senior Finance Facility o Effective 1 November 2025, the facility will reprice to BBSW + 450bps o Delivering an annualised pre-tax interest saving of approximately $2.5m o Each 25bps reductio
Slide 6: Opportunity Set - ERC & Returns
ANNUAL GENERAL MEETING // OCTOBER 2025 OPPORTUNITY SET - ERC & RETURNS Pioneer’s reputation and exposure to Big Four Banks is increasing its moat Underwriting ROI vs. Total ROI Newer vintages are forecast to outperform due Estimated Remaining Collections (ERC): By Product Type 4.2x to Pioneer’s abil
Slide 7: Shareholder Alignment
ANNUAL GENERAL MEETING // OCTOBER 2025 SHAREHOLDER ALIGNMENT Management are strongly shareholder aligned and incentivised to deliver long-term sustainable growth SHAREHOLDER # SHARES % HOLDING Keith John Entities 17.2m 11% Long Term Incentive Plan ('LTI') Other Board and Management 3.6m 2% • No Exec
Slide 8: FY26 Outlook
ANNUAL GENERAL MEETING // OCTOBER 2025 FY26 OUTLOOK 1 2 3 4 Total Addressable Market Fully funded for PDP Opportunity to further FY26 GUIDANCE ~$400m in FY26 Investment reduce funding costs • Pioneer well-positioned through • Strong cash generation supported • Direct benefit from future RBA cash Sta
Slide 9: Annual General Meeting // 30 October 2025
ANNUAL GENERAL MEETING // 30 OCTOBER 2025