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Credit Intelligence Ltd (AU:CI1)
ASX:CI1
Australian Market
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Credit Intelligence Ltd (CI1) AI Stock Analysis

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AU:CI1

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 Ltd (CI1) is a financial services company specializing in debt restructuring, personal insolvency management, and credit risk analysis. Operating primarily in the Asia-Pacific region, the company provides comprehensive solutions for individuals and businesses facing financial distress, helping them manage and restructure their debt obligations. CI1 leverages its expertise in financial advisory and legal services to deliver tailored solutions that address the unique needs of its clients.
How the Company Makes MoneyCredit Intelligence Ltd generates revenue through a variety of financial services aimed at managing and restructuring debt. Key revenue streams include fees charged for debt restructuring and insolvency management services, where the company assists clients in negotiating with creditors to achieve more favorable repayment terms. Additionally, CI1 earns income from advisory and consultancy services provided to individuals and businesses seeking to manage their credit risk and improve their financial standing. The company may also benefit from strategic partnerships with financial institutions and legal firms, enhancing its ability to offer comprehensive solutions that integrate legal and financial expertise. By combining these revenue streams, CI1 effectively capitalizes on the growing demand for debt management services in the markets it serves.

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.
BreakdownJun 2024Jun 2023Jun 2022Jun 2021Jun 2020
Income Statement
Total Revenue9.57M15.79M15.71M12.21M13.61M
Gross Profit9.57M12.90M15.71M12.21M13.61M
EBITDA-10.50M-2.50M1.68M4.07M5.79M
Net Income-12.59M-5.78M-842.00K736.06K2.54M
Balance Sheet
Total Assets12.67M27.20M32.58M29.50M27.90M
Cash, Cash Equivalents and Short-Term Investments1.43M5.66M3.59M2.43M3.65M
Total Debt448.41K1.40M3.43M2.26M5.95M
Total Liabilities3.89M4.94M6.84M5.42M16.85M
Stockholders Equity7.23M18.92M23.06M22.38M9.79M
Cash Flow
Free Cash Flow-829.08K4.13M-133.03K259.91K3.01M
Operating Cash Flow-711.76K4.07M752.31K606.34K3.14M
Investing Cash Flow-628.08K-98.77K-1.25M-3.11M-2.32M
Financing Cash Flow-2.68M-2.42M-360.82K1.69M-1.08M

Credit Intelligence Ltd Peers Comparison

Overall Rating
UnderperformOutperform
Sector (59)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
67
Neutral
AU$11.73M13.819.53%11.60%
59
Neutral
AU$158.36M35.394.83%4.21%46.62%-49.62%
59
Neutral
AU$1.65B10.3411.24%3.42%6.75%3.18%
52
Neutral
AU$13.44M11.9359.05%-7.06%60.11%
46
Neutral
AU$9.68M0.62%-42.55%64.40%
* Industrials Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AU:CI1
Credit Intelligence Ltd
0.11
0.00
0.00%
AU:EAX
Energy Action Limited
0.34
0.10
41.67%
AU:SSH
SSH Group Ltd.
0.14
0.07
100.00%
AU:CUP
Countplus Limited
0.95
0.37
63.79%

Credit Intelligence Ltd Corporate Events

Credit Intelligence Ltd Completes Subsidiary Sale and Announces Capital Return
Jul 10, 2025

Credit Intelligence Ltd has successfully completed the sale of its wholly owned subsidiary, Credit Intelligence Holding Limited, for AUD1,500,000. This strategic move aligns with the company’s focus on profitable projects and is expected to enhance its operational efficiency. Additionally, the company is proceeding with a capital return to shareholders, urging them to update their bank details to ensure prompt payment.

Credit Intelligence Ltd Announces Director Departure
Jul 7, 2025

Credit Intelligence Ltd announced the cessation of Alex Luis as a director, effective 07 July 2025. This change in the board may impact the company’s strategic direction and stakeholder relations, given Alex Luis’s significant shareholding in the company, both directly and indirectly through BNP Paribas Nominees Pty Ltd.

Credit Intelligence Ltd Announces Director Resignation
Jul 7, 2025

Credit Intelligence Ltd announced the resignation of Mr. Alex Luis as a Non-Executive Director and Remuneration Committee Chairperson, effective 7 July 2025, due to personal reasons. The company acknowledged his contributions during his tenure, particularly in the strategic review of the portfolio. The board remains committed to maintaining a diverse mix of skills and governance oversight and will update the market on any new appointments.

Siu Chung Ho Acquires Significant Stake in Credit Intelligence Ltd
Jul 7, 2025

Credit Intelligence Ltd has announced that Siu Chung Ho has become a substantial holder in the company, acquiring 7,735,317 fully paid ordinary shares. This acquisition represents an 8.79% voting power in the company, indicating a significant stake that could influence future company decisions and strategies.

Credit Intelligence Ltd Announces Successful EGM Outcomes
Jun 30, 2025

Credit Intelligence Ltd announced the successful results of its 2025 Extraordinary General Meeting, where all proposed resolutions were carried by poll. The resolutions included the disposal of a major asset and the approval of a capital return, which are expected to impact the company’s financial strategy and shareholder value positively.

Credit Intelligence Ltd Divests Stake in Loss-Making Subsidiary
Jun 18, 2025

Credit Intelligence Ltd has announced the sale of its 60% equity stake in OneStep Information Technology Limited to an independent third party, Mr. Dominic Li, for AUD1. This decision aligns with the company’s strategy to focus on profitable projects, as OneStep has been loss-making with a negative net asset value. The disposal is not expected to have a material impact on the company’s financial position. Additionally, the company is reviewing its investments to address the suspension of its shares on the ASX.

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.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

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.Date of analysis: Apr 08, 2025