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CI1

Credit IntelligenceASX:CI1 Stock Report

Market Cap

AU$24.0m

7D

0%

1Y

-42.3%

Updated

26 Oct, 2021

Data

Company Financials
CI1 fundamental analysis
Snowflake Score
Valuation1/6
Future Growth0/6
Past Performance2/6
Financial Health4/6
Dividends0/6

CI1 Overview

Credit Intelligence Limited provides debt restructuring and personal insolvency management services within the credit funding sector operating in Australia, Hong Kong, and Singapore.

Price History & Performance

Summary of all time highs, changes and price drops for Credit Intelligence
Historical stock prices
Current Share PriceAU$0.015
52 Week HighAU$0.012
52 Week LowAU$0.13
Beta-0.88
1 Month Change-11.77%
3 Month Change7.14%
1 Year Change-42.31%
3 Year Change-25.00%
5 Year Changen/a
Change since IPO-25.00%

Recent News & Updates

Shareholder Returns

CI1AU Commercial ServicesAU Market
7D0%2.4%0.8%
1Y-42.3%15.0%24.4%

Return vs Industry: CI1 underperformed the Australian Commercial Services industry which returned 15% over the past year.

Return vs Market: CI1 underperformed the Australian Market which returned 24.4% over the past year.

Price Volatility

Is CI1's price volatile compared to industry and market?
CI1 volatility
CI1 Beta-0.88
Industry Beta0.91
Market Beta1

Stable Share Price: CI1 is more volatile than 75% of Australian stocks over the past 3 months, typically moving +/- 14% a week.

Volatility Over Time: CI1's weekly volatility (14%) has been stable over the past year, but is still higher than 75% of Australian stocks.

About the Company

FoundedEmployeesCEOWebsite
n/an/aJimmie Wonghttps://www.ci1.com.au

Credit Intelligence Limited provides debt restructuring and personal insolvency management services within the credit funding sector operating in Australia, Hong Kong, and Singapore. Its services include bankruptcy administration, and individual voluntary arrangement proposal consultancy and implementation, as well as credit funding for corporate and individuals. The company also provides debt solution services, as well as debt negotiation and mortgage broking services to individuals; and buy now pay later services.

Credit Intelligence Fundamentals Summary

How do Credit Intelligence's earnings and revenue compare to its market cap?
CI1 fundamental statistics
Market CapAU$24.04m
Earnings (TTM)AU$736.06k
Revenue (TTM)AU$13.33m

33.3x

P/E Ratio

1.8x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
CI1 income statement (TTM)
RevenueAU$13.33m
Cost of RevenueAU$0
Gross ProfitAU$13.33m
ExpensesAU$12.60m
EarningsAU$736.06k

Last Reported Earnings

Jun 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)0.00045
Gross Margin100.00%
Net Profit Margin5.52%
Debt/Equity Ratio7.9%

How did CI1 perform over the long term?

See historical performance and comparison

Valuation

Is Credit Intelligence undervalued compared to its fair value and its price relative to the market?

33.33x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: CI1 (A$0.02) is trading above our estimate of fair value (A$0)

Significantly Below Fair Value: CI1 is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: CI1 is poor value based on its PE Ratio (33.3x) compared to the Australian Commercial Services industry average (20.6x).

PE vs Market: CI1 is poor value based on its PE Ratio (33.3x) compared to the Australian market (20x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate CI1's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: CI1 is good value based on its PB Ratio (1.1x) compared to the AU Commercial Services industry average (2.5x).


Future Growth

How is Credit Intelligence forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

12.4%

Forecasted Commercial Services industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Credit Intelligence has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Past Performance

How has Credit Intelligence performed over the past 5 years?

20.4%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: CI1 has high quality earnings.

Growing Profit Margin: CI1's current net profit margins (5.5%) are lower than last year (18.6%).


Past Earnings Growth Analysis

Earnings Trend: CI1's earnings have grown significantly by 20.4% per year over the past 5 years.

Accelerating Growth: CI1's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: CI1 had negative earnings growth (-71%) over the past year, making it difficult to compare to the Commercial Services industry average (7.9%).


Return on Equity

High ROE: CI1's Return on Equity (5.3%) is considered low.


Financial Health

How is Credit Intelligence's financial position?


Financial Position Analysis

Short Term Liabilities: CI1's short term assets (A$12.2M) exceed its short term liabilities (A$4.7M).

Long Term Liabilities: CI1's short term assets (A$12.2M) exceed its long term liabilities (A$725.2K).


Debt to Equity History and Analysis

Debt Level: CI1's debt to equity ratio (7.9%) is considered satisfactory.

Reducing Debt: Insufficient data to determine if CI1's debt to equity ratio has reduced over the past 5 years.

Debt Coverage: CI1's debt is well covered by operating cash flow (32%).

Interest Coverage: CI1's interest payments on its debt are not well covered by EBIT (2.9x coverage).


Balance Sheet


Dividend

What is Credit Intelligence current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate CI1's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate CI1's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if CI1's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if CI1's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: CI1 is not paying a notable dividend for the Australian market.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of CI1's dividend in 3 years as they are not forecast to pay a notable one for the Australian market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

0.8yrs

Average management tenure


CEO

Jimmie Wong

3.42yrs

Tenure

AU$405,657

Compensation

Mr. Ka Sek Wong, also known as Jimmie, LL B (Hons),Non-Practicing Solicitor of HKSAR, Hong Kong Trustee in Bankruptcy. Mr. Wong has been Managing Director and Director of Credit Intelligence Limited since...


CEO Compensation Analysis

Compensation vs Market: Jimmie's total compensation ($USD304.09K) is about average for companies of similar size in the Australian market ($USD301.38K).

Compensation vs Earnings: Jimmie's compensation has been consistent with company performance over the past year.


Leadership Team

Experienced Management: CI1's management team is not considered experienced ( 0.8 years average tenure), which suggests a new team.


Board Members

Experienced Board: CI1's board of directors are not considered experienced ( 1.5 years average tenure), which suggests a new board.


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: CI1 insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 32.9%.


Top Shareholders

Company Information

Credit Intelligence Limited's employee growth, exchange listings and data sources


Key Information

  • Name: Credit Intelligence Limited
  • Ticker: CI1
  • Exchange: ASX
  • Founded: NaN
  • Industry: Diversified Support Services
  • Sector: Commercial Services
  • Market Cap: AU$24.041m
  • Shares outstanding: 1.60b
  • Website: https://www.ci1.com.au

Number of Employees


Location

  • Credit Intelligence Limited
  • Double Building
  • 4th-5th Floor
  • Central
  • Hong Kong

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/10/26 07:01
End of Day Share Price2021/10/26 00:00
Earnings2021/06/30
Annual Earnings2021/06/30


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.