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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 Ltd (CI1) is a diversified financial services company that operates primarily in the sectors of credit management and debt restructuring. The company offers a range of services including debt restructuring, personal insolvency management, and credit reporting, catering to both individual and corporate clients. CI1 is committed to providing innovative financial solutions that help its clients manage their debts effectively and improve their financial stability.
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.
BreakdownTTMJun 2024Jun 2023Jun 2022Jun 2021Jun 2020
Income Statement
Total Revenue8.35M9.57M15.79M15.71M12.21M13.61M
Gross Profit8.35M9.57M12.90M15.71M12.21M13.61M
EBITDA-329.67K-10.50M-2.50M1.68M4.07M5.79M
Net Income-5.44M-12.59M-5.78M-842.00K736.06K2.54M
Balance Sheet
Total Assets7.93M12.67M27.20M32.58M29.50M27.90M
Cash, Cash Equivalents and Short-Term Investments1.29M1.43M5.66M3.59M2.43M3.65M
Total Debt869.90K448.41K1.40M3.43M2.26M5.95M
Total Liabilities4.34M3.89M4.94M6.84M5.42M16.85M
Stockholders Equity3.48M7.23M18.92M23.06M22.38M9.79M
Cash Flow
Free Cash Flow91.00K-829.08K4.13M-133.03K259.91K3.01M
Operating Cash Flow374.59K-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 (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
64
Neutral
kr64.02B12.601.54%8.99%0.04%-3.90%
AUSSH
62
Neutral
AU$9.70M11.439.53%11.60%
AUCUP
59
Neutral
AU$166.69M37.454.83%3.50%46.62%-49.62%
AUEAX
51
Neutral
AU$14.42M12.9859.05%-7.06%60.11%
AUCI1
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
0.37
0.15
68.18%
AU:SSH
SSH Group Ltd.
0.12
0.05
71.43%
AU:CUP
Countplus Limited
1.00
0.46
85.19%

Credit Intelligence Ltd Corporate Events

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