Credit Intelligence Ltd (CI1) - Net Assets
Based on the latest financial reports, Credit Intelligence Ltd (CI1) has net assets worth AU$2.59 Million AUD (≈ $1.83 Million USD) 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 ≈ $1.99 Million USD) and total liabilities (AU$219.31K ≈ $155.18K USD). 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. Check how resilient are Credit Intelligence Ltd's assets to evaluate the company's liquid asset resilience ratio.
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. Also explore Credit Intelligence Ltd (CI1) total assets for the complete picture of this company's asset base.
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. For live valuation and market cap data, see market cap of Credit Intelligence Ltd.
| Year | Net Assets | Change |
|---|---|---|
| 2025-06-30 | AU$2.59 Million ≈ $1.83 Million |
-70.53% |
| 2024-06-30 | AU$8.78 Million ≈ $6.21 Million |
-60.56% |
| 2023-06-30 | AU$22.25 Million ≈ $15.75 Million |
-13.56% |
| 2022-06-30 | AU$25.75 Million ≈ $18.22 Million |
+6.89% |
| 2021-06-30 | AU$24.09 Million ≈ $17.04 Million |
+117.93% |
| 2020-06-30 | AU$11.05 Million ≈ $7.82 Million |
+75.52% |
| 2019-06-30 | AU$6.30 Million ≈ $4.46 Million |
+46.38% |
| 2018-06-30 | AU$4.30 Million ≈ $3.04 Million |
+2870.35% |
| 2017-06-30 | AU$-155.28K ≈ $-109.87K |
-293.50% |
| 2016-06-30 | AU$80.25K ≈ $56.78K |
-95.16% |
| 2015-06-30 | AU$1.66 Million ≈ $1.17 Million |
-21.75% |
| 2014-06-30 | AU$2.12 Million ≈ $1.50 Million |
-13.96% |
| 2013-06-30 | AU$2.46 Million ≈ $1.74 Million |
-13.69% |
| 2012-06-30 | AU$2.85 Million ≈ $2.02 Million |
-7.50% |
| 2011-06-30 | AU$3.08 Million ≈ $2.18 Million |
-16.08% |
| 2010-06-30 | AU$3.67 Million ≈ $2.60 Million |
-18.19% |
| 2009-06-30 | AU$4.49 Million ≈ $3.18 Million |
+1936.20% |
| 2008-06-30 | AU$220.61K ≈ $156.09K |
-- |
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 |
|---|---|
|
KESSELRUN RESOURCES LTD
F:CMG
|
$6.86 Million |
|
Pool Advista Indonesia Tbk
JK:POOL
|
$6.86 Million |
|
HWH International Inc
NASDAQ:HWH
|
$6.86 Million |
|
Kioson Komersial Indonesia Tbk PT
JK:KIOS
|
$6.87 Million |
|
Apptech Corp
NASDAQ:APCX
|
$6.85 Million |
|
Me Group International PLC
LSE:MEGP
|
$6.85 Million |
|
Ocean Sun As
OL:OSUN
|
$6.84 Million |
|
Indal Aluminium Industry Tbk
JK:INAI
|
$6.83 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Credit Intelligence Ltd's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 7,225,228 to 2,425,062, a change of -4,800,166 (-66.4%).
- Net loss of 4,512,878 reduced equity.
- Dividend payments of 186,570 reduced retained earnings.
- Other comprehensive income decreased equity by 553,676.
- Other factors increased equity by 452,958.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | AU$-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: $177,133,847
- Average return on equity (ROE) among peers: 59.13%
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 | $6.85 Million |
| Boom Logistics Ltd (BOL) | $51.74 Million | 18.18% | 1.11x | $51.13 Million |
| Brambles Ltd (BXB) | $823.66 Million | 2.39% | 0.86x | $21.77 Billion |
| Count Ltd (CUP) | $60.79 Million | 2.12% | 0.24x | $138.49 Million |
| Energy Action Ltd (EAX) | $16.60 Million | 21.15% | 0.28x | $11.40 Million |
| IPH Ltd (IPH) | $391.44 Million | 15.10% | 1.22x | $690.10 Million |
| Kelly Partners Group Holdings Ltd (KPG) | $8.60 Million | 10.22% | 1.94x | $138.39 Million |
| Mader Group Ltd (MAD) | $545.00K | 723.47% | 0.02x | $1.09 Billion |
| RBR Group Ltd (RBR) | $494.45K | -284.94% | 0.80x | $1.89 Million |
| Smartgroup Corporation Ltd (SIQ) | $240.34 Million | 24.46% | 0.69x | $945.10 Million |
About Credit Intelligence Ltd
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