Credit Intelligence Ltd (CI1) AI Stock Analysis

• Market Cap: AU$9.68M
• Dividend Yield: N/A
• Average Volume (3M): 0.00
• Price to Earnings (P/E): ―
• Beta (1Y): 0.73
• Revenue Growth: -42.55%
• EPS Growth: 64.40%
• Country: AU
• Employees: N/A
• Sector: Industrials
• Sector Strength: 87
• Industry: Specialty Business Services
• EPS (TTM): -0.06
• Shares Outstanding: 88,045,210
• 10 Day Avg. Volume: 0
• 30 Day Avg. Volume: 0
• PEG Ratio: -0.08
• Price to Book (P/B): 2.19
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 52.99
• 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

• Rating: 46 Neutral
• 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 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 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

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	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020
Income Statement		Total Revenue
8.35M	9.57M	15.79M	15.71M	12.21M	13.61M
	Gross Profit
8.35M	9.57M	12.90M	15.71M	12.21M	13.61M
	EBIT
3.52M	-2.91M	1.30M	2.71M	2.34M	4.87M
	EBITDA
-329.25K	-10.50M	-2.50M	1.68M	4.07M	5.79M
	Net Income Common Stockholders
-5.44M	-12.59M	-5.78M	-842.00K	736.06K	2.54M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
1.29M	1.43M	5.66M	3.59M	2.43M	3.65M
	Total Assets
7.93M	12.67M	27.20M	32.58M	29.50M	27.90M
	Total Debt
869.90K	448.41K	1.40M	3.43M	2.26M	5.95M
	Net Debt
-417.52K	-982.21K	-4.26M	-163.71K	-176.15K	2.89M
	Total Liabilities
4.34M	3.89M	4.94M	6.84M	5.42M	16.85M
	Stockholders Equity
3.48M	7.23M	18.92M	23.06M	22.38M	9.79M
Cash Flow		Free Cash Flow
91.00K	-829.08K	4.13M	-133.03K	259.91K	3.01M
	Operating Cash Flow
374.59K	-711.76K	4.07M	752.31K	606.34K	3.14M
	Investing Cash Flow
-544.24K	-628.08K	-98.77K	-1.25M	-3.11M	-2.32M
	Financing Cash Flow
-623.27K	-2.68M	-2.42M	-360.82K	1.69M	-1.08M

Credit Intelligence Ltd Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
AFG	74 Outperform	AU$590.28M	19.89	15.01%	3.49%	9.49%	-0.36%
PPC	70 Outperform	AU$777.14M	16.13	8.08%	3.31%	6.29%	-7.85%
Sector *	66 Neutral	$4.51B	12.22	5.40%	3.63%	4.14%	-12.01%
CI1	46 Neutral	AU$9.68M	―	0.62%	―	-42.55%	64.40%
2RC		€526.30M	7.51	13.05%	4.66%	―	―
PLT	45 Neutral	AU$156.32M	6.13	71.90%	―	35.12%	8.03%
WZR	44 Neutral	AU$36.27M	―	-20.13%	―	-5.95%	-9.84%

Credit Intelligence Ltd Corporate Events

Credit Intelligence Ltd Announces Cash Return of Capital to Shareholders

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

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

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

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

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.