| Snowflake Score | |
|---|---|
| Valuation | 1/6 |
| Future Growth | 0/6 |
| Past Performance | 2/6 |
| Financial Health | 4/6 |
| Dividends | 0/6 |
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
| Historical stock prices | |
|---|---|
| Current Share Price | AU$0.015 |
| 52 Week High | AU$0.012 |
| 52 Week Low | AU$0.13 |
| Beta | -0.88 |
| 1 Month Change | -11.77% |
| 3 Month Change | 7.14% |
| 1 Year Change | -42.31% |
| 3 Year Change | -25.00% |
| 5 Year Change | n/a |
| Change since IPO | -25.00% |
Recent News & Updates
Shareholder Returns
| CI1 | AU Commercial Services | AU Market | |
|---|---|---|---|
| 7D | 0% | 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
| CI1 volatility | |
|---|---|
| CI1 Beta | -0.88 |
| Industry Beta | 0.91 |
| Market Beta | 1 |
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
| Founded | Employees | CEO | Website |
|---|---|---|---|
| n/a | n/a | Jimmie Wong | https://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
| CI1 fundamental statistics | |
|---|---|
| Market Cap | AU$24.04m |
| Earnings (TTM) | AU$736.06k |
| Revenue (TTM) | AU$13.33m |
33.3x
P/E Ratio1.8x
P/S RatioIs CI1 overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| CI1 income statement (TTM) | |
|---|---|
| Revenue | AU$13.33m |
| Cost of Revenue | AU$0 |
| Gross Profit | AU$13.33m |
| Expenses | AU$12.60m |
| Earnings | AU$736.06k |
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
n/a
| Earnings per share (EPS) | 0.00045 |
| Gross Margin | 100.00% |
| Net Profit Margin | 5.52% |
| Debt/Equity Ratio | 7.9% |
How did CI1 perform over the long term?
See historical performance and comparisonValuation
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
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/10/26 07:01 |
| End of Day Share Price | 2021/10/26 00:00 |
| Earnings | 2021/06/30 |
| Annual Earnings | 2021/06/30 |
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.