FY26 NPAT Guidance increased to at least $23m

• Revised FY26 NPAT Guidance increased to at least $23m, a 28% increase
• Reflects material repricing of $272.5m Senior Finance Facility and $55.5m Medium Term Notes
• Solid 1HY26 Net Revenue up 5% on previous half year

Pioneer Credit Limited (ASX: PNC) has announced a revision to its FY26 NPAT Guidance, increasing it to at least $23m. This revised guidance represents a 28% increase on the Company's original FY26 NPAT Guidance. The increase reflects the material repricing of both the Company's $272.5m Senior Finance Facility and its $55.5m Medium Term Notes (MTN), together with the Company's solid operating performance, where 1HY26 Net Revenue was up 5% of the previous half year. These structural improvements have materially strengthened Pioneer's earnings profile and capital structure. The MTN repricing delivers approximately $1.75m per annum in pre-tax interest savings. When combined with the repricing of the Senior Facility, total cash interest savings of $2.02m will be realised in 2HY26, with annualised savings of approximately $4.63m from FY27 onwards.

FY26 NPAT Guidance increased to at least $23m, a 28% increase on original guidance.