25 XP   0   0   10

Credit Intelligence Ltd
Buy, Hold or Sell?

Let's analyse Credit Intelligence Ltd together

PenkeI guess you are interested in Credit Intelligence Ltd. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Credit Intelligence Ltd. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

Get notifications about Credit Intelligence Ltd

I send you an email if I find something interesting about Credit Intelligence Ltd.

Quick analysis of Credit Intelligence Ltd (30 sec.)










What can you expect buying and holding a share of Credit Intelligence Ltd? (30 sec.)

How much money do you get?

How much money do you get?
A$0.01
When do you have the money?
1 year
How often do you get paid?
70.0%

What is your share worth?

Current worth
A$0.25
Expected worth in 1 year
A$0.09
How sure are you?
60.0%

+ What do you gain per year?

Total Gains per Share
A$-0.14
Return On Investment
-125.4%

For what price can you sell your share?

Current Price per Share
A$0.11
Expected price per share
A$0.1 - A$0.12
How sure are you?
50%
3rd Party Ad. No recommendation by Penke. PLUS is ad-free.

1. Valuation of Credit Intelligence Ltd (5 min.)




Live pricePrice per Share (EOD)

A$0.11

Intrinsic Value Per Share

A$0.21 - A$0.40

Total Value Per Share

A$0.47 - A$0.66

2. Growth of Credit Intelligence Ltd (5 min.)




Is Credit Intelligence Ltd growing?

Current yearPrevious yearGrowGrow %
How rich?$14.6m$16.8m-$2.2m-15.6%

How much money is Credit Intelligence Ltd making?

Current yearPrevious yearGrowGrow %
Making money-$3.7m$10.9k-$3.7m-100.3%
Net Profit Margin-44.8%0.1%--

How much money comes from the company's main activities?

3. Financial Health of Credit Intelligence Ltd (5 min.)




4. Comparing to competitors in the Specialty Business Services industry (5 min.)




  Industry Rankings (Specialty Business Services)  


Richest
#160 / 211

Most Revenue
#173 / 211

Most Profit
#192 / 211

Most Efficient
#193 / 211
3rd Party Ad. No recommendation by Penke. PLUS is ad-free.

What can you expect buying and holding a share of Credit Intelligence Ltd? (5 min.)

Welcome investor! Credit Intelligence Ltd's management wants to use your money to grow the business. In return you get a share of Credit Intelligence Ltd.

What can you expect buying and holding a share of Credit Intelligence Ltd?

First you should know what it really means to hold a share of Credit Intelligence Ltd. And how you can make/lose money.

Speculation

The Price per Share of Credit Intelligence Ltd is A$0.11. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Credit Intelligence Ltd.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Credit Intelligence Ltd, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is A$0.25. Based on the TTM, the Book Value Change Per Share is A$-0.04 per quarter. Based on the YOY, the Book Value Change Per Share is A$0.02 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is A$0.01 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Credit Intelligence Ltd.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 A$% of Price per ShareA$% of Price per ShareA$% of Price per ShareA$% of Price per ShareA$% of Price per Share
Usd Eps-0.04-39.1%-0.04-39.1%-0.01-5.7%0.00-3.8%0.00-2.4%
Usd Book Value Change Per Share-0.03-23.6%-0.03-23.6%0.0111.2%0.0324.3%0.0113.4%
Usd Dividend Per Share0.003.0%0.003.0%0.000.8%0.016.8%0.014.7%
Usd Total Gains Per Share-0.02-20.6%-0.02-20.6%0.0112.1%0.0331.1%0.0218.1%
Usd Price Per Share0.09-0.09-0.06-0.04-0.02-
Price to Earnings Ratio-2.06--2.06--10.14--1.37--1.47-
Price-to-Total Gains Ratio-3.92--3.92-4.79-0.36-0.10-
Price to Book Ratio0.53-0.53-0.33-0.27-0.46-
Price-to-Total Gains Ratio-3.92--3.92-4.79-0.36-0.10-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share0.07216
Number of shares13858
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.000.01
Usd Book Value Change Per Share-0.030.03
Usd Total Gains Per Share-0.020.03
Gains per Quarter (13858 shares)-313.43474.34
Gains per Year (13858 shares)-1,253.701,897.34
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
1182-1436-126441314841887
2365-2872-251882629683784
3547-4308-3772124044525681
4729-5744-5026165359367578
5912-7180-6280206674209475
61094-8616-75342479890511372
71276-10052-878828931038913269
81459-11488-1004233061187315166
91641-12924-1129637191335717063
101823-14360-1255041321484118960

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share0.01.00.00.0%1.02.00.033.3%3.02.00.060.0%4.06.00.040.0%4.011.01.025.0%
Book Value Change Per Share0.01.00.00.0%2.01.00.066.7%4.01.00.080.0%5.05.00.050.0%7.09.00.043.8%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%7.00.03.070.0%7.00.09.043.8%
Total Gains per Share0.01.00.00.0%2.01.00.066.7%4.01.00.080.0%6.04.00.060.0%8.08.00.050.0%
3rd Party Ad. No recommendation by Penke. PLUS is ad-free.

Fundamentals of Credit Intelligence Ltd

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 consultancy and implementation, as well as credit funding for corporates and individuals. The company also provides debt solution services, as well as debt negotiation and mortgage services; and buy now pay later services. Credit Intelligence Limited is based in Perth, Australia.

Fundamental data was last updated by Penke on 2024-02-15 21:01:07.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge loss.
Using its assets, the company is very inefficient in making profit.
Using its investors money, the company is very inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating less efficient.
The company is inefficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is very able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is very able to pay all its debts by selling its assets.
The company is very able to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is expensive.
Based on how much money comes from the company's main activities, the company is cheap.
3rd Party Ad. No recommendation by Penke. PLUS is ad-free.

1.1. Profitability of Credit Intelligence Ltd.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Credit Intelligence Ltd earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Credit Intelligence Ltd to the Specialty Business Services industry mean.
  • A Net Profit Margin of -44.8% means that $-0.45 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Credit Intelligence Ltd:

  • The MRQ is -44.8%. The company is making a huge loss. -2
  • The TTM is -44.8%. The company is making a huge loss. -2
Trends
Current periodCompared to+/- 
MRQ-44.8%TTM-44.8%0.0%
TTM-44.8%YOY0.1%-44.9%
TTM-44.8%5Y0.2%-44.9%
5Y0.2%10Y-529.8%+529.9%
Compared to industry (Specialty Business Services)
PeriodCompanyIndustry (mean)+/- 
MRQ-44.8%3.5%-48.3%
TTM-44.8%2.9%-47.7%
YOY0.1%3.3%-3.2%
5Y0.2%2.0%-1.8%
10Y-529.8%2.6%-532.4%
1.1.2. Return on Assets

Shows how efficient Credit Intelligence Ltd is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Credit Intelligence Ltd to the Specialty Business Services industry mean.
  • -21.2% Return on Assets means that Credit Intelligence Ltd generated $-0.21 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Credit Intelligence Ltd:

  • The MRQ is -21.2%. Using its assets, the company is very inefficient in making profit. -2
  • The TTM is -21.2%. Using its assets, the company is very inefficient in making profit. -2
Trends
Current periodCompared to+/- 
MRQ-21.2%TTM-21.2%0.0%
TTM-21.2%YOY0.1%-21.3%
TTM-21.2%5Y0.0%-21.3%
5Y0.0%10Y-315.6%+315.6%
Compared to industry (Specialty Business Services)
PeriodCompanyIndustry (mean)+/- 
MRQ-21.2%1.1%-22.3%
TTM-21.2%1.0%-22.2%
YOY0.1%1.4%-1.3%
5Y0.0%0.9%-0.9%
10Y-315.6%1.2%-316.8%
1.1.3. Return on Equity

Shows how efficient Credit Intelligence Ltd is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Credit Intelligence Ltd to the Specialty Business Services industry mean.
  • -30.5% Return on Equity means Credit Intelligence Ltd generated $-0.31 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Credit Intelligence Ltd:

  • The MRQ is -30.5%. Using its investors money, the company is very inefficient in making profit. -2
  • The TTM is -30.5%. Using its investors money, the company is very inefficient in making profit. -2
Trends
Current periodCompared to+/- 
MRQ-30.5%TTM-30.5%0.0%
TTM-30.5%YOY0.1%-30.6%
TTM-30.5%5Y4.1%-34.6%
5Y4.1%10Y-154.0%+158.1%
Compared to industry (Specialty Business Services)
PeriodCompanyIndustry (mean)+/- 
MRQ-30.5%2.9%-33.4%
TTM-30.5%2.4%-32.9%
YOY0.1%3.6%-3.5%
5Y4.1%2.2%+1.9%
10Y-154.0%2.3%-156.3%
3rd Party Ad. No recommendation by Penke. PLUS is ad-free.

1.2. Operating Efficiency of Credit Intelligence Ltd.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Credit Intelligence Ltd is operating .

  • Measures how much profit Credit Intelligence Ltd makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Credit Intelligence Ltd to the Specialty Business Services industry mean.
  • An Operating Margin of 10.1% means the company generated $0.10  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Credit Intelligence Ltd:

  • The MRQ is 10.1%. The company is operating less efficient.
  • The TTM is 10.1%. The company is operating less efficient.
Trends
Current periodCompared to+/- 
MRQ10.1%TTM10.1%0.0%
TTM10.1%YOY25.8%-15.7%
TTM10.1%5Y24.3%-14.2%
5Y24.3%10Y-348.6%+372.9%
Compared to industry (Specialty Business Services)
PeriodCompanyIndustry (mean)+/- 
MRQ10.1%6.1%+4.0%
TTM10.1%5.0%+5.1%
YOY25.8%5.4%+20.4%
5Y24.3%4.6%+19.7%
10Y-348.6%4.6%-353.2%
1.2.2. Operating Ratio

Measures how efficient Credit Intelligence Ltd is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Specialty Business Services industry mean).
  • An Operation Ratio of 1.27 means that the operating costs are $1.27 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Credit Intelligence Ltd:

  • The MRQ is 1.273. The company is inefficient in keeping operating costs low. -1
  • The TTM is 1.273. The company is inefficient in keeping operating costs low. -1
Trends
Current periodCompared to+/- 
MRQ1.273TTM1.2730.000
TTM1.273YOY0.827+0.446
TTM1.2735Y0.881+0.392
5Y0.88110Y4.822-3.942
Compared to industry (Specialty Business Services)
PeriodCompanyIndustry (mean)+/- 
MRQ1.2731.183+0.090
TTM1.2731.136+0.137
YOY0.8271.032-0.205
5Y0.8811.086-0.205
10Y4.8221.044+3.778
3rd Party Ad. No recommendation by Penke. PLUS is ad-free.

1.3. Liquidity of Credit Intelligence Ltd.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Credit Intelligence Ltd is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Specialty Business Services industry mean).
  • A Current Ratio of 3.60 means the company has $3.60 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Credit Intelligence Ltd:

  • The MRQ is 3.598. The company is very able to pay all its short-term debts. +2
  • The TTM is 3.598. The company is very able to pay all its short-term debts. +2
Trends
Current periodCompared to+/- 
MRQ3.598TTM3.5980.000
TTM3.598YOY2.498+1.100
TTM3.5985Y2.485+1.114
5Y2.48510Y4.061-1.577
Compared to industry (Specialty Business Services)
PeriodCompanyIndustry (mean)+/- 
MRQ3.5981.364+2.234
TTM3.5981.373+2.225
YOY2.4981.374+1.124
5Y2.4851.402+1.083
10Y4.0611.436+2.625
1.3.2. Quick Ratio

Measures if Credit Intelligence Ltd is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Credit Intelligence Ltd to the Specialty Business Services industry mean.
  • A Quick Ratio of 3.56 means the company can pay off $3.56 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Credit Intelligence Ltd:

  • The MRQ is 3.561. The company is very able to pay all its short-term debts with the most liquid assets. +2
  • The TTM is 3.561. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ3.561TTM3.5610.000
TTM3.561YOY2.476+1.085
TTM3.5615Y2.437+1.124
5Y2.43710Y4.046-1.610
Compared to industry (Specialty Business Services)
PeriodCompanyIndustry (mean)+/- 
MRQ3.5610.845+2.716
TTM3.5610.864+2.697
YOY2.4760.933+1.543
5Y2.4370.988+1.449
10Y4.0461.013+3.033
3rd Party Ad. No recommendation by Penke. PLUS is ad-free.

1.4. Solvency of Credit Intelligence Ltd.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Credit Intelligence Ltd assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Credit Intelligence Ltd to Specialty Business Services industry mean.
  • A Debt to Asset Ratio of 0.18 means that Credit Intelligence Ltd assets are financed with 18.1% credit (debt) and the remaining percentage (100% - 18.1%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Credit Intelligence Ltd:

  • The MRQ is 0.181. The company is very able to pay all its debts by selling its assets. +2
  • The TTM is 0.181. The company is very able to pay all its debts by selling its assets. +2
Trends
Current periodCompared to+/- 
MRQ0.181TTM0.1810.000
TTM0.181YOY0.210-0.029
TTM0.1815Y0.336-0.155
5Y0.33610Y1.656-1.320
Compared to industry (Specialty Business Services)
PeriodCompanyIndustry (mean)+/- 
MRQ0.1810.556-0.375
TTM0.1810.570-0.389
YOY0.2100.564-0.354
5Y0.3360.559-0.223
10Y1.6560.548+1.108
1.4.2. Debt to Equity Ratio

Measures if Credit Intelligence Ltd is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Credit Intelligence Ltd to the Specialty Business Services industry mean.
  • A Debt to Equity ratio of 26.0% means that company has $0.26 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Credit Intelligence Ltd:

  • The MRQ is 0.260. The company is very able to pay all its debts with equity. +2
  • The TTM is 0.260. The company is very able to pay all its debts with equity. +2
Trends
Current periodCompared to+/- 
MRQ0.260TTM0.2600.000
TTM0.260YOY0.297-0.036
TTM0.2605Y0.716-0.456
5Y0.71610Y0.427+0.290
Compared to industry (Specialty Business Services)
PeriodCompanyIndustry (mean)+/- 
MRQ0.2601.226-0.966
TTM0.2601.230-0.970
YOY0.2971.185-0.888
5Y0.7161.237-0.521
10Y0.4271.273-0.846
3rd Party Ad. No recommendation by Penke. PLUS is ad-free.

2. Market Valuation of Credit Intelligence Ltd

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Credit Intelligence Ltd generates.

  • Above 15 is considered overpriced but always compare Credit Intelligence Ltd to the Specialty Business Services industry mean.
  • A PE ratio of -2.06 means the investor is paying $-2.06 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Credit Intelligence Ltd:

  • The EOD is -1.677. Based on the earnings, the company is expensive. -2
  • The MRQ is -2.058. Based on the earnings, the company is expensive. -2
  • The TTM is -2.058. Based on the earnings, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD-1.677MRQ-2.058+0.381
MRQ-2.058TTM-2.0580.000
TTM-2.058YOY-10.138+8.080
TTM-2.0585Y-1.373-0.685
5Y-1.37310Y-1.468+0.096
Compared to industry (Specialty Business Services)
PeriodCompanyIndustry (mean)+/- 
EOD-1.67712.465-14.142
MRQ-2.05810.769-12.827
TTM-2.0589.733-11.791
YOY-10.13812.796-22.934
5Y-1.37313.518-14.891
10Y-1.46813.773-15.241
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Credit Intelligence Ltd:

  • The EOD is 2.397. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 2.942. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 2.942. Based on how much money comes from the company's main activities, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD2.397MRQ2.942-0.545
MRQ2.942TTM2.9420.000
TTM2.942YOY-64.201+67.143
TTM2.9425Y-9.951+12.892
5Y-9.95110Y-5.751-4.200
Compared to industry (Specialty Business Services)
PeriodCompanyIndustry (mean)+/- 
EOD2.3975.231-2.834
MRQ2.9425.466-2.524
TTM2.9424.577-1.635
YOY-64.2014.707-68.908
5Y-9.9512.022-11.973
10Y-5.7513.425-9.176
3rd Party Ad. No recommendation by Penke. PLUS is ad-free.
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Credit Intelligence Ltd is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Specialty Business Services industry mean).
  • A PB ratio of 0.53 means the investor is paying $0.53 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Credit Intelligence Ltd:

  • The EOD is 0.435. Based on the equity, the company is cheap. +2
  • The MRQ is 0.534. Based on the equity, the company is cheap. +2
  • The TTM is 0.534. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.435MRQ0.534-0.099
MRQ0.534TTM0.5340.000
TTM0.534YOY0.332+0.202
TTM0.5345Y0.268+0.266
5Y0.26810Y0.460-0.192
Compared to industry (Specialty Business Services)
PeriodCompanyIndustry (mean)+/- 
EOD0.4351.666-1.231
MRQ0.5341.773-1.239
TTM0.5341.747-1.213
YOY0.3322.046-1.714
5Y0.2681.922-1.654
10Y0.4602.035-1.575
2. Total Gains per Share

3. Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of Credit Intelligence Ltd.

3rd Party Ad. No recommendation by Penke. PLUS is ad-free.

4. Summary

4.1. Key Performance Indicators

The key performance indicators of Credit Intelligence Ltd compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share---0.039-0.0390%0.019-309%0.041-197%0.022-276%
Book Value Per Share--0.2530.2530%0.292-14%0.203+24%0.111+129%
Current Ratio--3.5983.5980%2.498+44%2.485+45%4.061-11%
Debt To Asset Ratio--0.1810.1810%0.210-14%0.336-46%1.656-89%
Debt To Equity Ratio--0.2600.2600%0.297-12%0.716-64%0.427-39%
Dividend Per Share--0.0050.0050%0.001+263%0.011-56%0.008-37%
Eps---0.066-0.0660%-0.010-85%-0.006-90%-0.004-94%
Free Cash Flow Per Share--0.0460.0460%-0.002+103%0.017+172%0.009+396%
Free Cash Flow To Equity Per Share--0.0190.0190%-0.006+129%0.010+95%0.009+106%
Gross Profit Margin--1.0001.0000%1.0000%0.929+8%0.977+2%
Intrinsic Value_10Y_max--0.403--------
Intrinsic Value_10Y_min--0.213--------
Intrinsic Value_1Y_max--0.022--------
Intrinsic Value_1Y_min--0.012--------
Intrinsic Value_3Y_max--0.080--------
Intrinsic Value_3Y_min--0.045--------
Intrinsic Value_5Y_max--0.155--------
Intrinsic Value_5Y_min--0.086--------
Market Cap9684972.000-23%11886102.00011886102.0000%8540384.400+39%5089012.560+134%2826250.920+321%
Net Profit Margin---0.448-0.4480%0.001-42228%0.002-28824%-5.298+1083%
Operating Margin--0.1010.1010%0.258-61%0.243-58%-3.486+3546%
Operating Ratio--1.2731.2730%0.827+54%0.881+45%4.822-74%
Pb Ratio0.435-23%0.5340.5340%0.332+61%0.268+99%0.460+16%
Pe Ratio-1.677+19%-2.058-2.0580%-10.138+393%-1.373-33%-1.468-29%
Price Per Share0.110-23%0.1350.1350%0.097+39%0.058+134%0.032+321%
Price To Free Cash Flow Ratio2.397-23%2.9422.9420%-64.201+2283%-9.951+438%-5.751+295%
Price To Total Gains Ratio-3.191+19%-3.916-3.9160%4.793-182%0.362-1183%0.103-3889%
Quick Ratio--3.5613.5610%2.476+44%2.437+46%4.046-12%
Return On Assets---0.212-0.2120%0.001-41520%0.000-85843%-3.156+1386%
Return On Equity---0.305-0.3050%0.001-42210%0.041-841%-1.540+405%
Total Gains Per Share---0.034-0.0340%0.020-270%0.052-166%0.030-213%
Usd Book Value--14608320.99214608320.9920%16889218.560-14%11735719.952+24%6392845.755+129%
Usd Book Value Change Per Share---0.026-0.0260%0.012-309%0.027-197%0.015-276%
Usd Book Value Per Share--0.1660.1660%0.192-14%0.133+24%0.073+129%
Usd Dividend Per Share--0.0030.0030%0.001+263%0.007-56%0.005-37%
Usd Eps---0.043-0.0430%-0.006-85%-0.004-90%-0.003-94%
Usd Free Cash Flow--2650676.2402650676.2400%-87264.400+103%973915.706+172%534593.949+396%
Usd Free Cash Flow Per Share--0.0300.0300%-0.001+103%0.011+172%0.006+396%
Usd Free Cash Flow To Equity Per Share--0.0130.0130%-0.004+129%0.006+95%0.006+106%
Usd Market Cap6353341.632-23%7797282.9127797282.9120%5602492.166+39%3338392.239+134%1854020.604+321%
Usd Price Per Share0.072-23%0.0890.0890%0.064+39%0.038+134%0.021+321%
Usd Profit---3788954.320-3788954.3200%10959.792-34671%-49076.016-99%-200324.426-95%
Usd Revenue--8459465.0568459465.0560%10308480.432-18%7934499.875+7%4304579.307+97%
Usd Total Gains Per Share---0.023-0.0230%0.013-270%0.034-166%0.020-213%
 EOD+4 -4MRQTTM+0 -0YOY+14 -215Y+18 -1810Y+21 -15

4.2. Fundamental Score

Let's check the fundamental score of Credit Intelligence Ltd based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-15-1.677
Price to Book Ratio (EOD)Between0-10.435
Net Profit Margin (MRQ)Greater than0-0.448
Operating Margin (MRQ)Greater than00.101
Quick Ratio (MRQ)Greater than13.561
Current Ratio (MRQ)Greater than13.598
Debt to Asset Ratio (MRQ)Less than10.181
Debt to Equity Ratio (MRQ)Less than10.260
Return on Equity (MRQ)Greater than0.15-0.305
Return on Assets (MRQ)Greater than0.05-0.212
Total6/10 (60.0%)

4.3. Technical Score

Let's check the technical score of Credit Intelligence Ltd based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5039.272
Ma 20Greater thanMa 500.113
Ma 50Greater thanMa 1000.139
Ma 100Greater thanMa 2000.172
OpenGreater thanClose0.110
Total1/5 (20.0%)



Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2019-06-302020-06-302021-06-302022-06-302023-06-30
Income before Tax  9353,6094,544-2,2372,306-1,684623-4,780-4,158
Net Income  5253,0573,582-2,3031,279-1,26217-5,793-5,776
Net Interest Income  -145-525-671-624-1,295970-3253,8423,517
Net Income from Continuing Operations  5253,0573,582-2,3031,279-1,26217-4,999-4,982



Latest Balance Sheet

Balance Sheet of 2023-06-30. Currency in AUD. All numbers in thousands.

Summary
Total Assets27,197
Total Liabilities4,928
Total Stockholder Equity18,928
 As reported
Total Liabilities 4,928
Total Stockholder Equity+ 18,928
Total Assets = 27,197

Assets

Total Assets27,197
Total Current Assets12,722
Long-term Assets14,475
Total Current Assets
Cash And Cash Equivalents 5,659
Short-term Investments 144
Net Receivables 6,787
Inventory 8
Total Current Assets  (as reported)12,722
Total Current Assets  (calculated)12,598
+/- 124
Long-term Assets
Property Plant Equipment 527
Goodwill 10,156
Intangible Assets 195
Long-term Assets Other 3,239
Long-term Assets  (as reported)14,475
Long-term Assets  (calculated)14,117
+/- 358

Liabilities & Shareholders' Equity

Total Current Liabilities3,535
Long-term Liabilities1,393
Total Stockholder Equity18,928
Total Current Liabilities
Short-term Debt 1,282
Short Long Term Debt 1,089
Other Current Liabilities 2,254
Total Current Liabilities  (as reported)3,535
Total Current Liabilities  (calculated)4,624
+/- 1,089
Long-term Liabilities
Long term Debt Total 476
Other Liabilities 917
Long-term Liabilities  (as reported)1,393
Long-term Liabilities  (calculated)1,393
+/-0
Total Stockholder Equity
Common Stock22,075
Retained Earnings -5,517
Accumulated Other Comprehensive Income 2,371
Total Stockholder Equity (as reported)18,928
Total Stockholder Equity (calculated)18,928
+/-0
Other
Capital Stock22,075
Cash and Short Term Investments 5,659
Common Stock Shares Outstanding 80,137
Liabilities and Stockholders Equity 27,197
Net Debt -3,901
Net Invested Capital 20,386
Net Tangible Assets 8,569
Net Working Capital 9,186
Property Plant and Equipment Gross 527
Short Long Term Debt Total 1,757



Balance Sheet

Currency in AUD. All numbers in thousands.

 Trend2023-06-302022-06-302021-06-302020-06-302019-06-302018-06-302017-06-302016-06-302015-06-302014-06-302013-06-302012-06-302011-06-302010-06-302009-06-302008-06-30
> Total Assets 
458
5,479
4,767
4,221
4,403
4,253
2,319
1,797
112
12
4,802
12,677
27,901
29,503
32,585
27,197
27,19732,58529,50327,90112,6774,802121121,7972,3194,2534,4034,2214,7675,479458
   > Total Current Assets 
458
4,683
3,669
3,315
3,547
3,374
1,580
1,006
112
12
4,718
8,797
16,188
12,221
14,452
12,722
12,72214,45212,22116,1888,7974,718121121,0061,5803,3743,5473,3153,6694,683458
       Cash And Cash Equivalents 
270
4,590
978
486
98
173
20
66
31
11
4,334
3,433
3,060
2,434
3,589
5,659
5,6593,5892,4343,0603,4334,33411316620173984869784,590270
       Short-term Investments 
0
0
0
0
0
0
0
0
0
33
35
81
594
128
146
144
144146128594813533000000000
       Net Receivables 
17
92
2,690
2,829
3,448
3,201
1,560
939
80
0
259
4,824
11,876
9,363
10,587
6,787
6,78710,5879,36311,8764,8242590809391,5603,2013,4482,8292,6909217
       Other Current Assets 
170
0
0
0
0
0
0
0
0
0
90
407
544
201
275
268
26827520154440790000000000170
   > Long-term Assets 
0
796
1,099
906
857
878
739
791
0
0
83
3,881
11,714
17,282
18,133
14,475
14,47518,13317,28211,7143,88183007917398788579061,0997960
       Property Plant Equipment 
0
796
1,099
906
857
878
739
791
0
31
83
232
619
664
1,090
527
5271,090664619232833107917398788579061,0997960
       Goodwill 
0
0
0
0
0
0
0
0
0
0
0
3,516
11,094
16,617
14,924
10,156
10,15614,92416,61711,0943,51600000000000
       Intangible Assets 
0
0
1,025
870
838
876
738
790
0
0
0
3,629
11,094
16,617
433
195
19543316,61711,0943,6290007907388768388701,02500
       Other Assets 
0
0
0
0
0
0
0
0
0
0
0
20
0
0
1,686
358
3581,686002000000000000
> Total Liabilities 
237
987
1,092
1,137
1,551
1,790
201
139
31
167
500
6,381
16,849
5,418
6,839
4,928
4,9286,8395,41816,8496,381500167311392011,7901,5511,1371,092987237
   > Total Current Liabilities 
237
946
1,057
1,137
1,551
1,790
201
139
31
167
500
3,356
14,706
4,692
5,785
3,535
3,5355,7854,69214,7063,356500167311392011,7901,5511,1371,057946237
       Short-term Debt 
0
5
7
7
0
0
0
0
0
99
0
0
3,808
1,757
2,905
1,282
1,2822,9051,7573,8080099000007750
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
99
0
0
3,486
1,620
2,201
1,089
1,0892,2011,6203,4860099000000000
       Accounts payable 
291
941
1,049
208
339
335
201
0
0
7
0
1,665
5,975
0
1,206
0
01,20605,9751,66507002013353392081,049941291
       Other Current Liabilities 
147
941
1,049
1,130
1,551
1,790
201
139
31
68
500
3,356
10,898
2,936
2,880
2,254
2,2542,8802,93610,8983,35650068311392011,7901,5511,1301,049941147
   > Long-term Liabilities 
0
41
36
0
0
0
0
0
0
0
0
3,025
2,143
725
1,054
1,393
1,3931,0547252,1433,0250000000036410
       Long term Debt Total 
0
0
0
0
0
0
0
0
0
0
0
2,526
2,143
501
520
476
4765205012,1432,52600000000000
       Other Liabilities 
0
26
28
0
0
0
0
0
0
0
0
498
2,143
224
877
917
9178772242,1434980000000028260
> Total Stockholder Equity
221
4,492
3,675
3,084
2,853
2,462
2,118
1,658
80
-155
4,302
6,011
9,788
22,383
23,056
18,928
18,92823,05622,3839,7886,0114,302-155801,6582,1182,4622,8533,0843,6754,492221
   Retained Earnings 
221
-2,005
-2,738
-3,535
-3,819
-4,098
-4,885
-5,106
-6,314
-6,549
-260
-720
801
938
199
-5,517
-5,517199938801-720-260-6,549-6,314-5,106-4,885-4,098-3,819-3,535-2,738-2,005221
   Accumulated Other Comprehensive Income 
0
103
19
225
278
166
609
369
-9
0
77
586
71
-260
1,151
2,371
2,3711,151-26071586770-9369609166278225191030
   Capital Surplus 0000000000000000
   Treasury Stock0000000000000000



Balance Sheet

Currency in AUD. All numbers in thousands.




Cash Flow

Currency in AUD. All numbers in thousands.




Income Statement

Currency in AUD. All numbers in thousands.