Credit Intelligence Ltd (CI1) AI Stock Analysis

• Market Cap: AU$9.68M
• Dividend Yield: 0%
• Average Volume (3M): 0.00
• Price to Earnings (P/E): ―
• Beta (1Y): 5.10
• Revenue Growth: -42.55%
• EPS Growth: 64.40%
• Country: AU
• Employees: N/A
• Sector: Financial
• Sector Strength: 70
• Industry: Specialty Business Services
• EPS (TTM): N/A
• Shares Outstanding: 88,045,210
• 10 Day Avg. Volume: 0
• 30 Day Avg. Volume: 0
• PEG Ratio: >-0.01
• Price to Book (P/B): 1.33
• Price to Sales (P/S): 1.00
• P/FCF Ratio: -11.56
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 43 Neutral
• Price Target: AU$0.11 ▼(-3.64% Downside)

Credit Intelligence Ltd's overall stock score is primarily impacted by its weak financial performance, characterized by declining revenues and persistent losses. The technical analysis presents mixed signals, with no clear market momentum. The valuation is poor due to a negative P/E ratio and no dividend yield, indicating potential overvaluation. The absence of earnings call data and corporate events further limits positive influences on the score.

Positive Factors

Cash Flow Improvement

Improved cash flow indicates better operational efficiency and financial health, providing more flexibility for strategic investments and debt management.

Shareholder Support

Strong shareholder support and approval for increased placement capacity enhance operational flexibility and potential for strategic growth initiatives.

Commitment to Governance

Strong governance practices build stakeholder trust and can lead to better decision-making and risk management, crucial for long-term success.

Negative Factors

Declining Revenue

A sharp decline in revenue challenges the company's ability to sustain operations and invest in growth, impacting long-term viability.

Negative Profit Margins

Persistent negative profit margins highlight operational inefficiencies and threaten the company’s ability to achieve sustainable profitability.

Declining Assets

A decrease in assets and equity suggests weakening financial stability, limiting the company's ability to leverage resources for growth and innovation.

Credit Intelligence Ltd Business Overview & Revenue Model

Company Description

Credit 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 Money

Credit Intelligence Ltd generates revenue through a multi-faceted business model that includes subscription fees from financial institutions using its credit scoring software, transaction fees for each loan processed through its platform, and consulting services to help lenders optimize their risk management strategies. Key revenue streams are bolstered by partnerships with banks and credit unions, which integrate CI1's technology into their existing systems. Additionally, the company may earn revenue from data analytics services, providing insights to clients about market trends and consumer behavior, further diversifying its income sources.

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

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

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

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	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	6.11M	645.53K	9.57M	15.79M	15.71M	12.21M
Gross Profit	6.11M	645.53K	9.57M	12.90M	15.71M	12.21M
EBITDA	-518.84K	-1.66M	-10.50M	-2.50M	1.68M	4.07M
Net Income	-4.70M	-4.51M	-12.59M	-5.78M	-842.00K	736.06K
Balance Sheet
Total Assets	7.93M	2.81M	12.67M	27.20M	32.58M	29.50M
Cash, Cash Equivalents and Short-Term Investments	1.29M	384.49K	1.43M	5.66M	3.59M	2.43M
Total Debt	869.90K	85.22K	448.41K	1.40M	3.43M	2.26M
Total Liabilities	4.34M	219.31K	3.89M	4.94M	6.84M	5.42M
Stockholders Equity	3.48M	2.43M	7.23M	18.92M	23.06M	22.38M
Cash Flow
Free Cash Flow	61.51K	341.85K	-829.08K	4.13M	-133.03K	259.91K
Operating Cash Flow	335.01K	635.91K	-711.76K	4.07M	752.31K	606.34K
Investing Cash Flow	-219.82K	-1.03M	-628.08K	-98.77K	-1.25M	-3.11M
Financing Cash Flow	-514.35K	-750.23K	-2.68M	-2.42M	-360.82K	1.69M

Credit Intelligence Ltd Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CUP	76 Outperform	AU$184.34M	20.60	8.06%	4.11%	27.05%	520.93%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
EAX	63 Neutral	AU$19.53M	9.65	59.48%	―	12.87%	173.68%
SSH	57 Neutral	AU$20.71M	22.50	6.19%	―	-6.52%	-20.79%
CI1	43 Neutral	AU$9.68M	-1.78	―	0.00%	-42.55%	64.40%

Credit Intelligence Ltd Corporate Events

Credit Intelligence Ltd Successfully Passes All Resolutions at 2025 AGM

Credit Intelligence Ltd announced the results of its 2025 Annual General Meeting, where all resolutions were successfully passed by poll. This includes the adoption of the remuneration report, election and re-election of directors, and approval of a 10% placement capacity, reflecting strong shareholder support and potentially enhancing the company’s operational flexibility.