Credit Intelligence Ltd

AU:CI1 Australia Specialty Business Services
Market Cap
$6.00 Million
AU$9.68 Million AUD
Market Cap Rank
#32189 Global
#1049 in Australia
Share Price
AU$0.11
Change (1 day)
+0.00%
52-Week Range
AU$0.11 - AU$0.11
All Time High
AU$1.56
Categories
Companies in Australia Specialty Business Services
About

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 cons… Read more

Credit Intelligence Ltd (CI1) - Net Assets

Latest net assets as of June 2025: AU$2.59 Million AUD

Based on the latest financial reports, Credit Intelligence Ltd (CI1) has net assets worth AU$2.59 Million AUD as of June 2025.

Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (AU$2.81 Million) and total liabilities (AU$219.31K). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.

Key Net Assets Metrics

Metric Value
Current Net Assets AU$2.59 Million
% of Total Assets 92.18%
Annual Growth Rate 15.58%
5-Year Change -89.26%
10-Year Change 3123.27%
Growth Volatility 482.47

Credit Intelligence Ltd - Net Assets Trend (2008–2025)

This chart illustrates how Credit Intelligence Ltd's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.

Annual Net Assets for Credit Intelligence Ltd (2008–2025)

The table below shows the annual net assets of Credit Intelligence Ltd from 2008 to 2025.

Year Net Assets Change
2025-06-30 AU$2.59 Million -70.53%
2024-06-30 AU$8.78 Million -60.56%
2023-06-30 AU$22.25 Million -13.56%
2022-06-30 AU$25.75 Million +6.89%
2021-06-30 AU$24.09 Million +117.93%
2020-06-30 AU$11.05 Million +75.52%
2019-06-30 AU$6.30 Million +46.38%
2018-06-30 AU$4.30 Million +2870.35%
2017-06-30 AU$-155.28K -293.50%
2016-06-30 AU$80.25K -95.16%
2015-06-30 AU$1.66 Million -21.75%
2014-06-30 AU$2.12 Million -13.96%
2013-06-30 AU$2.46 Million -13.69%
2012-06-30 AU$2.85 Million -7.50%
2011-06-30 AU$3.08 Million -16.08%
2010-06-30 AU$3.67 Million -18.19%
2009-06-30 AU$4.49 Million +1936.20%
2008-06-30 AU$220.61K --

Equity Component Analysis

This analysis shows how different components contribute to Credit Intelligence Ltd's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.

Equity Composition Insights

  • Retained earnings have decreased by 10044.9% over the analyzed period, potentially due to dividend distributions or operating losses.

Current Equity Component Breakdown (June 2025)

Component Amount Percentage
Common Stock AU$22.76 Million 938.70%
Other Comprehensive Income AU$1.60 Million 65.98%
Other Components AU$1.00 0.00%
Total Equity AU$2.43 Million 100.00%

Credit Intelligence Ltd Competitors by Market Cap

The table below lists competitors of Credit Intelligence Ltd ranked by their market capitalization.

Company Market Cap
ADM Endeavors Inc
OTCQB:ADMQ
 		$3.87 Million
Silo Pharma Inc
OTCQB:SILO
 		$3.88 Million
National Stock Yards Co
PINK:NSYC
 		$3.88 Million
KOAS Co. Ltd
KO:071950
 		$3.88 Million
AMERIPRISE FINCL (A4S.SG)
STU:A4S
 		$3.87 Million
ExGen Resources Inc
PINK:BXXRF
 		$3.87 Million
Bebe Stores, Inc.
PINK:BEBE
 		$3.87 Million
TBN Corp. PCL
BK:TBN
 		$3.87 Million

Equity Growth Attribution

This analysis shows how different factors contributed to changes in Credit Intelligence Ltd's equity between the two most recent reporting periods.

Equity Growth Insights

  • From 2024 to 2025, total equity changed from 7,225,228 to 2,425,062, a change of -4,800,166 (-66.4%).
  • Net loss of 4,512,878 reduced equity.
  • Dividend payments of 186,570 reduced retained earnings.
  • Other comprehensive income decreased equity by 553,676.
  • Other factors increased equity by 452,958.

Equity Change Factors (2024 to 2025)

Factor Impact Contribution
Net Income AU$-4.51 Million -186.09%
Dividends Paid AU$186.57K -7.69%
Other Comprehensive Income AU$-553.68K -22.83%
Other Changes AU$452.96K +18.68%
Total Change AU$- -66.44%

Book Value vs Market Value Analysis

This analysis compares Credit Intelligence Ltd's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.

Valuation Insights

  • Current price-to-book ratio: 4.00x
  • The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
  • The price-to-book ratio has increased from 1.94x to 4.00x over the analyzed period, suggesting growing market confidence.

Historical Price-to-Book Ratios

Date Book Value per Share Market Price P/B Ratio
2008-06-30 AU$0.06 AU$0.11 x
2009-06-30 AU$1.25 AU$0.11 x
2010-06-30 AU$1.02 AU$0.11 x
2011-06-30 AU$0.86 AU$0.11 x
2012-06-30 AU$0.79 AU$0.11 x
2013-06-30 AU$0.68 AU$0.11 x
2014-06-30 AU$0.59 AU$0.11 x
2015-06-30 AU$0.46 AU$0.11 x
2016-06-30 AU$0.02 AU$0.11 x
2017-06-30 AU$-0.04 AU$0.11 x
2018-06-30 AU$0.10 AU$0.11 x
2019-06-30 AU$0.14 AU$0.11 x
2020-06-30 AU$0.18 AU$0.11 x
2021-06-30 AU$0.34 AU$0.11 x
2022-06-30 AU$0.29 AU$0.11 x
2023-06-30 AU$0.23 AU$0.11 x
2024-06-30 AU$0.08 AU$0.11 x
2025-06-30 AU$0.03 AU$0.11 x

Capital Efficiency Dashboard

This dashboard shows how efficiently Credit Intelligence Ltd utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.

Capital Efficiency Insights

  • Current Return on Equity (ROE): -186.09%
  • The company may be facing challenges in efficiently utilizing shareholder equity.
  • DuPont Analysis Breakdown:
  • • Net Profit Margin: -699.10%
  • • Asset Turnover: 0.23x
  • • Equity Multiplier: 1.16x
  • Recent ROE (-186.09%) is below the historical average (-119.25%), suggesting potential challenges in capital efficiency.

Historical Capital Efficiency Metrics

Year Return on Equity Net Profit Margin Asset Turnover Equity Multiplier Economic Value Added
2009 -41.70% -614.10% 0.06x 1.22x AU$-2.32 Million
2010 -19.95% -6702.02% 0.00x 1.30x AU$-1.10 Million
2011 -25.84% -343.53% 0.05x 1.37x AU$-1.11 Million
2012 -10.90% -153.20% 0.05x 1.54x AU$-596.26K
2013 -11.33% -138.12% 0.05x 1.73x AU$-525.21K
2014 -37.15% -391.54% 0.09x 1.09x AU$-998.84K
2015 -13.33% -253.70% 0.05x 1.08x AU$-386.76K
2016 -1505.28% -2461.79% 0.44x 1.39x AU$-1.22 Million
2017 0.00% -2191.27% 0.92x 0.00x AU$-220.47K
2018 -5.30% -4.76% 1.00x 1.12x AU$-658.19K
2019 8.73% 8.67% 0.48x 2.11x AU$-76.44K
2020 25.96% 18.67% 0.49x 2.85x AU$1.56 Million
2021 3.29% 6.03% 0.41x 1.32x AU$-1.50 Million
2022 -3.65% -5.36% 0.48x 1.41x AU$-3.15 Million
2023 -30.53% -36.58% 0.58x 1.44x AU$-7.67 Million
2024 -174.24% -131.57% 0.76x 1.75x AU$-13.31 Million
2025 -186.09% -699.10% 0.23x 1.16x AU$-4.76 Million

Industry Comparison

This section compares Credit Intelligence Ltd's net assets metrics with peer companies in the Specialty Business Services industry.

Industry Context

  • Industry: Specialty Business Services
  • Average net assets among peers: $108,662,491
  • Average return on equity (ROE) among peers: 11.75%

Peer Company Comparison

Company Net Assets Return on Equity Debt-to-Equity Market Cap
Credit Intelligence Ltd (CI1) AU$2.59 Million -41.70% 0.08x $3.87 Million
Boom Logistics Ltd (BOL) $133.87 Million -3.98% 0.49x $26.58 Million
Brambles Ltd (BXB) $520.11 Million -0.61% 1.06x $18.86 Billion
Count Ltd (CUP) $49.05 Million 18.14% 0.77x $95.14 Million
Energy Action Ltd (EAX) $13.25 Million 33.02% 0.44x $300.46K
IPH Ltd (IPH) $35.18 Million 86.95% 1.06x $509.75 Million
RBR Group Ltd (RBR) $1.63 Million -60.09% 1.62x $713.86K
SSH Group Ltd (SSH) $7.55 Million 8.84% 4.75x $3.27 Million