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Credit Intelligence Ltd (AU:CI1)
ASX:CI1
Australian Market

Credit Intelligence Ltd (CI1) AI Stock Analysis

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AU

Credit Intelligence Ltd

(Sydney:CI1)

Rating:46Neutral
Price Target:
Credit Intelligence Ltd scores poorly due to significant financial performance issues, including declining revenues and operational inefficiencies. Technical analysis offers no clear trend, and valuation is unattractive with a negative P/E ratio and no dividend yield. The lack of earnings call and corporate events insights further limits the assessment.

Credit Intelligence Ltd (CI1) vs. iShares MSCI Australia ETF (EWA)

Credit Intelligence Ltd Business Overview & Revenue Model

Company DescriptionCredit Intelligence Limited provides debt restructuring and personal insolvency management services in Australia, Hong Kong, and Singapore. The company operates through three segments: Debt Solution and Finance Service; Debt Restructuring, Personal Insolvency, and BNPL Service; and Credit Financing. Its services include bankruptcy administration, and individual voluntary arrangement proposal consultancy and implementation, as well as credit funding for corporates and individuals. The company also provides debt solution services, as well as debt negotiation and mortgage services; and buy now pay later services. Credit Intelligence Limited is based in Perth, Australia.
How the Company Makes MoneyCredit Intelligence Ltd makes money through various revenue streams associated with its core services. These include fees from debt restructuring services, where the company charges clients for negotiating and managing debt repayment plans. Additionally, CI1 earns revenue from personal insolvency management by helping individuals navigate bankruptcy processes and charging for these advisory services. The company also generates income from credit reporting services, providing credit assessments and reports to clients. Strategic partnerships with financial institutions and legal entities enhance its service offerings and contribute to its earnings by expanding its client base and service capabilities.

Credit Intelligence Ltd Financial Statement Overview

Summary
Credit Intelligence Ltd is struggling with declining revenues, significant losses, and operational inefficiencies. Despite a conservative leverage position, the ability to generate sufficient cash flow is lacking, posing risks to future financial stability. Improvements in operational efficiency and revenue stabilization are needed.
Income Statement
45
Neutral
Credit Intelligence Ltd has experienced declining revenues and significant net losses over recent periods. The TTM shows a negative net profit margin of -65.1%, indicating profitability issues. The gross profit margin is strong at 100%, but negative EBIT and EBITDA margins indicate operational inefficiencies. The company is facing challenges in maintaining revenue growth and profitability.
Balance Sheet
50
Neutral
The company's debt-to-equity ratio is low, suggesting conservative leverage, with a TTM debt-to-equity ratio of 0.25. However, a declining equity base and total assets raise concerns about financial stability. The equity ratio is relatively stable, indicating a moderate level of financial health despite the shrinking asset base.
Cash Flow
40
Negative
Credit Intelligence Ltd's cash flow performance is weak, with inconsistent operating cash flow and negative free cash flow in the annual reports. The TTM shows a positive free cash flow to net income ratio, but overall cash flow generation is insufficient to cover net losses, highlighting liquidity challenges.
Breakdown
TTMJun 2024Jun 2023Jun 2022Jun 2021Jun 2020
Income StatementTotal Revenue
8.35M9.57M15.79M15.71M12.21M13.61M
Gross Profit
8.35M10.61M12.90M15.71M12.21M13.61M
EBIT
3.52M-2.91M1.30M4.05M3.60M5.21M
EBITDA
-329.25K-10.50M-2.50M4.79M3.69M5.79M
Net Income Common Stockholders
-5.44M-12.59M-5.78M16.71K1.28M3.58M
Balance SheetCash, Cash Equivalents and Short-Term Investments
1.29M1.43M5.66M3.59M2.43M3.65M
Total Assets
7.93M12.67M27.20M32.58M29.50M27.90M
Total Debt
869.90K448.41K1.40M3.43M2.26M5.95M
Net Debt
-417.52K-982.21K-4.26M-163.71K-176.15K2.89M
Total Liabilities
4.34M3.89M4.94M6.84M5.42M16.85M
Stockholders Equity
3.48M7.23M18.92M23.06M22.38M9.79M
Cash FlowFree Cash Flow
91.00K-829.08K4.13M-133.03K259.91K3.01M
Operating Cash Flow
374.59K-711.76K4.07M752.31K606.34K3.14M
Investing Cash Flow
-544.24K-628.08K-98.77K-1.25M-3.11M-2.32M
Financing Cash Flow
-623.27K-2.68M-2.42M-360.82K1.69M-1.08M

Credit Intelligence Ltd Peers Comparison

Overall Rating
UnderperformOutperform
Sector (66)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
AUAFG
74
Outperform
AU$595.69M19.9815.01%3.55%9.49%-0.36%
AUPPC
70
Outperform
AU$767.78M16.638.08%3.35%6.29%-7.85%
66
Neutral
$4.51B12.295.40%248.53%4.14%-12.41%
AUCI1
46
Neutral
AU$9.68M0.62%-42.55%64.40%
DE2RC
€522.71M7.8813.05%4.44%
AUPLT
45
Neutral
AU$154.54M6.2071.90%35.12%8.03%
AUWZR
44
Neutral
AU$36.27M-20.13%-5.95%-9.84%
* Industrials Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AU:CI1
Credit Intelligence Ltd
0.11
0.00
0.00%
AU:PPC
Peet Limited
1.64
0.45
37.82%
DE:2RC
Credit Corp Group Limited
7.55
-0.73
-8.82%
AU:AFG
Australian Finance Group Ltd.
2.20
0.85
62.96%
AU:WZR
Wisr Ltd.
0.03
-0.01
-25.00%
AU:PLT
Plenti Group Ltd.
0.87
0.17
24.29%

Credit Intelligence Ltd Corporate Events

Credit Intelligence Ltd Announces Cash Return of Capital to Shareholders
Jun 2, 2025

Credit Intelligence Ltd has announced a cash return of capital to its shareholders, with a payment of AUD 0.0114 per security. This move, set to commence trading on an ‘ex return of capital’ basis from July 24, 2025, and with payments scheduled for August 1, 2025, reflects the company’s strategic financial management efforts. The announcement underscores the company’s commitment to returning value to its shareholders and may influence its market positioning by potentially increasing investor confidence.

Credit Intelligence Ltd Announces Virtual General Meeting for June 2025
May 30, 2025

Credit Intelligence Ltd has announced it will hold a General Meeting on 30 June 2025, which will be conducted virtually via the Automic Meeting Platform. Shareholders are encouraged to pre-register and submit proxy votes by 28 June 2025. The meeting will address resolutions through a poll, and shareholders can submit questions in advance. This virtual meeting approach reflects the company’s adaptation to modern communication methods and could enhance shareholder engagement.

Credit Intelligence Ltd Announces Capital Return to Shareholders
May 30, 2025

Credit Intelligence Ltd has announced a capital management update, detailing plans to return up to AU$ 1,000,000 to shareholders following the sale of a major asset. This capital return, estimated at AU$ 0.0114 per share, is contingent upon shareholder approval at an upcoming Extraordinary General Meeting and the completion of the asset disposal. The ASX has granted a waiver to facilitate this process, and the company assures that it will retain sufficient capital to continue operations and meet creditor obligations.

Credit Intelligence Ltd Sells Major Asset to Refocus Strategy
May 30, 2025

Credit Intelligence Ltd has announced the sale of its wholly owned subsidiary, Credit Intelligence Holding Limited, for AUD1,500,000 to Mr. Herman Chung. This move aligns with the company’s strategy to focus on profitable projects, as CIH has been loss-making. The sale, representing 37% of the company’s consolidated assets, is subject to shareholder approval and regulatory requirements. The company is also reviewing its investments to address the suspension of its shares and comply with ASX listing rules.

Credit Intelligence Ltd Substantial Holder Increases Stake
Mar 25, 2025

Credit Intelligence Ltd has announced a change in the interests of its substantial holder, Kam Wing Chan, who has increased his voting power from 11.03% to 12.55% through an off-market transfer of fully paid ordinary shares. This change reflects a strategic move by Kam Wing Chan, potentially impacting the company’s governance and decision-making processes, and indicating a stronger influence over the company’s future direction.

Kam Wing Chan Becomes Substantial Holder in Credit Intelligence Ltd
Mar 10, 2025

Credit Intelligence Ltd has announced that Kam Wing Chan has become a substantial holder in the company, holding 9,710,262 fully paid ordinary shares, which equates to an 11.03% voting power. This development signifies a notable change in the company’s shareholder structure, potentially impacting its strategic decisions and influencing its market position.

Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.