FY25 Appendix 4E and Annual Report

• $142.2m in cash collections, up 2% from FY24
• $94.0m EBITDA, up 6% from FY24
• $41.3m EBIT, up 517% from FY24
• $10.5m NPAT, up 805% from FY24

Pioneer Credit Limited, an ASX-listed financial services business supporting Australians with debt management, has reported its financial results for the year ended 30 June 2025. The company achieved $142.2 million in cash collections, up 2% from the prior year, and $94.0 million in EBITDA, up 6%. EBIT increased by 517% to $41.3 million, while NPAT grew by 805% to $10.5 million. Pioneer continued to invest in customer service, with a customer NPS of +20 and over 35,000 customers on affordable payment arrangements. The company also supported vulnerable customers, waiving $1.5 million in debt. Pioneer's strong corporate culture and focus on ESG principles, including governance, social impact and environmental sustainability, have underpinned the company's performance. The board and management team remain committed to delivering positive outcomes for customers, communities and shareholders.

For the financial year ended 30 June 2025, Pioneer Credit Limited reported revenue from ordinary activities of $93.52 million, up 32% from the prior year. Profit from ordinary activities after tax attributable to members increased by over 100% to $6.66 million.

Pioneer Credit Limited is well-positioned to continue its growth trajectory, with a strong focus on customer service, ethical debt recovery practices, and a commitment to creating positive social and environmental impact. The company's robust governance framework and experienced management team provide a solid foundation for future success.