ASX:CI1

Stock Analysis Report

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Executive Summary

Credit Intelligence Limited provides debt restructuring and personal insolvency management services in Hong Kong, Singapore, and Australia. More Details


Snowflake Analysis

Undervalued with high growth potential.

Share Price & News

How has Credit Intelligence's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: CI1 is not significantly more volatile than the rest of Australian stocks over the past 3 months, typically moving +/- 10% a week.

Volatility Over Time: CI1's weekly volatility (10%) has been stable over the past year.


Market Performance


7 Day Return

-3.8%

CI1

0.5%

AU Commercial Services

1.7%

AU Market


1 Year Return

66.7%

CI1

-14.9%

AU Commercial Services

-1.6%

AU Market

Return vs Industry: CI1 exceeded the Australian Commercial Services industry which returned -14.9% over the past year.

Return vs Market: CI1 exceeded the Australian Market which returned -1.6% over the past year.


Shareholder returns

CI1IndustryMarket
7 Day-3.8%0.5%1.7%
30 Day-3.8%9.9%9.5%
90 Day-19.4%2.1%9.2%
1 Year72.0%66.7%-12.7%-14.9%1.8%-1.6%
3 Yearn/a9.7%-1.8%24.8%9.2%
5 Yearn/a36.9%14.0%56.1%25.0%

Long-Term Price Volatility Vs. Market

How volatile is Credit Intelligence's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

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

>50%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: CI1 (A$0.03) is trading below our estimate of fair value (A$0.08)

Significantly Below Fair Value: CI1 is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: CI1 is good value based on its PE Ratio (10.1x) compared to the AU Commercial Services industry average (19x).

PE vs Market: CI1 is good value based on its PE Ratio (10.1x) compared to the Australian market (22.6x).


Price to Earnings Growth Ratio

PEG Ratio: CI1 is good value based on its PEG Ratio (0.2x)


Price to Book Ratio

PB vs Industry: CI1 is overvalued based on its PB Ratio (2.8x) compared to the AU Commercial Services industry average (2.1x).


Next Steps

Future Growth

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

42.4%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: CI1's forecast earnings growth (42.4% per year) is above the savings rate (2.3%).

Earnings vs Market: CI1's earnings (42.4% per year) are forecast to grow faster than the Australian market (17.8% per year).

High Growth Earnings: earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: CI1's revenue (25.2% per year) is forecast to grow faster than the Australian market (5% per year).

High Growth Revenue: CI1's revenue (25.2% per year) is forecast to grow faster than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: Insufficient data to determine if CI1's Return on Equity is forecast to be high in 3 years time


Next Steps

Past Performance

How has Credit Intelligence performed over the past 5 years?

-26.4%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: CI1 has high quality earnings.

Growing Profit Margin: CI1's current net profit margins (18.7%) are higher than last year (8.7%).


Past Earnings Growth Analysis

Earnings Trend: CI1's earnings have declined by 26.4% per year over the past 5 years.

Accelerating Growth: CI1's earnings growth over the past year (379.5%) exceeds its 5-year average (-26.4% per year).

Earnings vs Industry: CI1 earnings growth over the past year (379.5%) exceeded the Commercial Services industry 2.6%.


Return on Equity

High ROE: CI1's Return on Equity (32.4%) is considered high.


Next Steps

Financial Health

How is Credit Intelligence's financial position?


Financial Position Analysis

Short Term Liabilities: CI1's short term assets (A$16.2M) exceed its short term liabilities (A$14.7M).

Long Term Liabilities: CI1's short term assets (A$16.2M) exceed its long term liabilities (A$2.1M).


Debt to Equity History and Analysis

Debt Level: CI1's debt to equity ratio (18.3%) 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 (155.2%).

Interest Coverage: CI1's interest payments on its debt are well covered by EBIT (10.3x coverage).


Balance Sheet


Next Steps

Dividend

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

2.00%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: CI1's dividend (2%) isn’t notable compared to the bottom 25% of dividend payers in the Australian market (2.06%).

High Dividend: CI1's dividend (2%) is low compared to the top 25% of dividend payers in the Australian market (5.1%).


Stability and Growth of Payments

Stable Dividend: CI1 has been paying a dividend for less than 10 years and during this time payments have been volatile.

Growing Dividend: CI1 has only been paying a dividend for 2 years, and since then payments have fallen.


Current Payout to Shareholders

Dividend Coverage: With its low payout ratio (20.2%), CI1's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

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

2.2yrs

Average management tenure


CEO

Jimmie Wong

2.5yrs

Tenure

AU$606,414

Compensation

Mr. Ka Sek Wong, also known as Jimmie, LL.B (Hons),Non-Practicing Solicitor of HKSAR, Hong Kong Trustee in Bankruptcy, has been Managing Director of Credit Intelligence Limited since May 17, 2018 and also ...


CEO Compensation Analysis

Compensation vs Market: Jimmie's total compensation ($USD446.35K) is above average for companies of similar size in the Australian market ($USD280.83K).

Compensation vs Earnings: Jimmie's compensation has increased by more than 20% in the past year.


Leadership Team

NamePositionTenureCompensationOwnership
Ka Sek Wong
Executive Chairman2.5yrsAU$606.41k34.1%
A$ 10.3m
Ka Lam Wong
COO & Executive Director2.5yrsAU$277.54kno data
Chee Wei Lim
Executive Director1.08yrsAU$185.83k2.76%
A$ 833.4k
Arthur Ma
Chief Financial Officerno datano datano data
Guy Robertson
Company Secretary2.17yrsno datano data

2.2yrs

Average Tenure

Experienced Management: CI1's management team is considered experienced (2.2 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
Ka Sek Wong
Executive Chairman2.5yrsAU$606.41k34.1%
A$ 10.3m
Ka Lam Wong
COO & Executive Director2.5yrsAU$277.54kno data
Chee Wei Lim
Executive Director1.08yrsAU$185.83k2.76%
A$ 833.4k
Brett Crowley
Independent Non-Executive Director0.58yrAU$8.00kno data
Russell Goodman
Independent Non-Executive Director0.083yrno data0.70%
A$ 212.5k
Michael Pixley
Independent Non-Executive Director0.58yrAU$8.00k0.00083%
A$ 250.3
Eva Chan
Director of Subsidiaryno dataAU$141.85k0.73%
A$ 220.8k
Ming Wai Lai
Independent Non-Executive Director2.5yrsAU$66.19k0.21%
A$ 62.5k
Alex Chung
Director of Subsidiary3.25yrsAU$103.14kno data
Chris Lui
Director of Subsidiaryno dataAU$40.34kno data

0.8yrs

Average Tenure

Experienced Board: CI1's board of directors are not considered experienced ( 0.8 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 sold more shares than they have bought 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 18.6%.


Top Shareholders

Company Information

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


Key Information

  • Name: Credit Intelligence Limited
  • Ticker: CI1
  • Exchange: ASX
  • Founded:
  • Industry: Diversified Support Services
  • Sector: Commercial Services
  • Market Cap: AU$30.160m
  • Shares outstanding: 1.21b
  • Website: https://www.ci1.com.au

Number of Employees


Location

  • Credit Intelligence Limited
  • Double Building
  • Level 4 & 5
  • Central
  • Hong Kong

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CI1ASX (Australian Securities Exchange)YesOrdinary SharesAUAUDMay 2018
CI1CHIA (Chi-X Australia)YesOrdinary SharesAUAUDMay 2018

Biography

Credit Intelligence Limited provides debt restructuring and personal insolvency management services in Hong Kong, Singapore, and Australia. Its services include bankruptcy administration, and individual vo...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/11/27 07:10
End of Day Share Price2020/11/27 00:00
Earnings2020/06/30
Annual Earnings2020/06/30


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.