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Credit Intelligence

ASX:CI1
Snowflake Description

Very undervalued with reasonable growth potential.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
CI1
ASX
A$11M
Market Cap
  1. Home
  2. AU
  3. Commercial Services
Company description

Credit Intelligence Limited provides debt restructuring and personal insolvency management services in Hong Kong. The last earnings update was 50 days ago. More info.


Add to Portfolio Compare Print
  • Credit Intelligence has significant price volatility in the past 3 months.
CI1 Share Price and Events
7 Day Returns
-8.3%
ASX:CI1
2.2%
AU Commercial Services
0%
AU Market
1 Year Returns
-35.3%
ASX:CI1
15%
AU Commercial Services
15.3%
AU Market
CI1 Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Credit Intelligence (CI1) -8.3% -21.4% -21.4% -35.3% - -
AU Commercial Services 2.2% 3.1% -1.5% 15% 15.8% 38.7%
AU Market 0% 0.5% 4.7% 15.3% 21.6% 20.7%
1 Year Return vs Industry and Market
  • CI1 underperformed the Commercial Services industry which returned 15% over the past year.
  • CI1 underperformed the Market in Australia which returned 15.3% over the past year.
Price Volatility
Industry
5yr Volatility vs Market

CI1 Value

 Is Credit Intelligence undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Credit Intelligence to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Credit Intelligence.

ASX:CI1 Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Dividend Discount Model
Dividend Per Share Company Filings (2019-06-30) in AUD A$ 0.003
Payout Ratio Company Filings (2019-06-30) -747.4%
Discount Rate (Cost of Equity) See below 7.6%
Perpetual Growth Rate 10-Year AU Government Bond Rate 2.3%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for ASX:CI1
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year AU Govt Bond Rate 2.3%
Equity Risk Premium S&P Global 6.7%
Commercial Services Unlevered Beta Simply Wall St/ S&P Global 0.66
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.659 (1 + (1- 25%) (22.58%))
0.789
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
0.8
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.31% + (0.8 * 6.65%)
7.63%

Discounted Cash Flow Calculation for ASX:CI1 using Dividend Discount Model Model

The calculations below outline how an intrinsic value for Credit Intelligence is arrived at by discounting future dividends to their present value. This approach is used for finance firms where free cash flow is difficult to estimate (e.g. Banks/ Insurance firms).

If the firm does not pay the majority of its earnings out as a dividend this method will often arrive at a value significantly lower than the share price.

See our documentation to learn about this calculation.

ASX:CI1 Gordon Growth Model
Calculation Result
Value per share = Expected dividends per share / (Discount Rate - Perpetual growth rate)
= A$0 / (7.63% - 2.31%)
A$0.04
ASX:CI1 Discount to Share Price
Calculation Result
Value per share (AUD) From above. A$0.04
Current discount Discount to share price of A$0.01
= -1 x (A$0.01 - A$0.04) / A$0.04
75.4%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price Credit Intelligence is available for.
Intrinsic value
>50%
Share price is A$0.011 vs Future cash flow value of A$0.04469
Current Discount Checks
For Credit Intelligence to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • Credit Intelligence's share price is below the future cash flow value, and at a moderate discount (> 20%).
  • Credit Intelligence's share price is below the future cash flow value, and at a substantial discount (> 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Credit Intelligence's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Credit Intelligence's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
ASX:CI1 PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-06-30) in AUD A$0.00
ASX:CI1 Share Price ** ASX (2019-11-13) in AUD A$0.01
Australia Commercial Services Industry PE Ratio Median Figure of 12 Publicly-Listed Commercial Services Companies 18.07x
Australia Market PE Ratio Median Figure of 519 Publicly-Listed Companies 18.45x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Credit Intelligence.

ASX:CI1 PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= ASX:CI1 Share Price ÷ EPS (both in AUD)

= 0.01 ÷ 0.00

17.24x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Credit Intelligence is good value based on earnings compared to the AU Commercial Services industry average.
  • Credit Intelligence is good value based on earnings compared to the Australia market.
Price based on expected Growth
Does Credit Intelligence's expected growth come at a high price?
Raw Data
ASX:CI1 PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 17.24x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 1 Analysts
62%per year
Australia Commercial Services Industry PEG Ratio Median Figure of 9 Publicly-Listed Commercial Services Companies 2.36x
Australia Market PEG Ratio Median Figure of 346 Publicly-Listed Companies 1.59x

*Line of best fit is calculated by linear regression .

ASX:CI1 PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 17.24x ÷ 62%

0.28x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Credit Intelligence is good value based on expected growth next year.
Price based on value of assets
What value do investors place on Credit Intelligence's assets?
Raw Data
ASX:CI1 PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-06-30) in AUD A$0.01
ASX:CI1 Share Price * ASX (2019-11-13) in AUD A$0.01
Australia Commercial Services Industry PB Ratio Median Figure of 27 Publicly-Listed Commercial Services Companies 2.46x
Australia Market PB Ratio Median Figure of 1,585 Publicly-Listed Companies 1.71x
ASX:CI1 PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= ASX:CI1 Share Price ÷ Book Value per Share (both in AUD)

= 0.01 ÷ 0.01

1.69x

* Primary Listing of Credit Intelligence.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Credit Intelligence is good value based on assets compared to the AU Commercial Services industry average.
X
Value checks
We assess Credit Intelligence's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Commercial Services industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Commercial Services industry average (and greater than 0)? (1 check)
  5. Credit Intelligence has a total score of 6/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

CI1 Future Performance

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

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
62%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Credit Intelligence expected to grow at an attractive rate?
  • Credit Intelligence's earnings growth is expected to exceed the low risk savings rate of 2.3%.
Growth vs Market Checks
  • Credit Intelligence's earnings growth is expected to exceed the Australia market average.
  • Credit Intelligence's revenue growth is expected to exceed the Australia market average.
Annual Growth Rates Comparison
Raw Data
ASX:CI1 Future Growth Rates Data Sources
Data Point Source Value (per year)
ASX:CI1 Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 1 Analysts 62%
ASX:CI1 Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 1 Analysts 17.8%
Australia Commercial Services Industry Earnings Growth Rate Market Cap Weighted Average 11%
Australia Commercial Services Industry Revenue Growth Rate Market Cap Weighted Average 5.5%
Australia Market Earnings Growth Rate Market Cap Weighted Average 9.8%
Australia Market Revenue Growth Rate Market Cap Weighted Average 3.6%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
ASX:CI1 Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (4 months ago) See Below
Future Estimates Average of up to 1 Analyst Estimates (S&P Global) See Below
All numbers in AUD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
ASX:CI1 Future Estimates Data
Date (Data in AUD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2021-06-30 9 3 1
2020-06-30 8 3 1
2019-11-15
ASX:CI1 Past Financials Data
Date (Data in AUD Millions) Revenue Cash Flow Net Income *
2019-06-30 6 0 1
2019-03-31 6 1 0
2018-12-31 6 1 -1
2018-09-30 5 1 -1
2018-06-30 5 2 0
2017-09-30 4 2 2
2017-06-30 4 2 2
2017-03-31 4 2 2

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Credit Intelligence's earnings are expected to grow significantly at over 20% yearly.
  • Credit Intelligence's revenue is expected to grow by 17.8% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
ASX:CI1 Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (4 months ago) See Below
Future Estimates Average of up to 1 Analyst Estimates (S&P Global) See Below

All data from Credit Intelligence Company Filings, last reported 4 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

ASX:CI1 Future Estimates Data
Date (Data in AUD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2021-06-30 0.00 0.00 0.00 1.00
2020-06-30 0.00 0.00 0.00 1.00
2019-11-15
ASX:CI1 Past Financials Data
Date (Data in AUD Millions) EPS *
2019-06-30 0.00
2019-03-31 0.00
2018-12-31 0.00
2018-09-30 0.00
2018-06-30 0.00
2017-09-30
2017-06-30 0.00
2017-03-31 0.02

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Credit Intelligence will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess Credit Intelligence's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the Australia market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the Australia market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Credit Intelligence has a total score of 4/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

CI1 Past Performance

  How has Credit Intelligence performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Credit Intelligence's growth in the last year to its industry (Commercial Services).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Credit Intelligence's year on year earnings growth rate was negative over the past 5 years and the most recent earnings are below average.
  • Credit Intelligence has become profitable in the last year making the earnings growth rate difficult to compare to the 5-year average.
  • Credit Intelligence has become profitable in the last year making it difficult to compare the AU Commercial Services industry average.
Earnings and Revenue History
Credit Intelligence's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Credit Intelligence Company Filings, last reported 4 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

ASX:CI1 Past Revenue, Cash Flow and Net Income Data
Date (Data in AUD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-06-30 6.05 0.52 4.66
2019-03-31 5.83 -0.20 4.10
2018-12-31 5.60 -0.93 3.49
2018-09-30 5.20 -0.58 2.85
2018-06-30 4.79 -0.23 2.26
2017-09-30 3.59 1.66 1.25
2017-06-30 3.71 1.78 1.39
2017-03-31 3.59 1.67 1.25
2016-03-31 6.07 4.33 0.97
2015-03-31 2.71 1.47 0.75

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Credit Intelligence has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Credit Intelligence used its assets less efficiently than the AU Commercial Services industry average last year based on Return on Assets.
  • Unable to establish if Credit Intelligence improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Credit Intelligence's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Commercial Services industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Credit Intelligence has a total score of 0/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

CI1 Health

 How is Credit Intelligence's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Credit Intelligence's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Credit Intelligence is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • Credit Intelligence's cash and other short term assets cover its long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of Credit Intelligence's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Debt is covered by short term assets, assets are 3.5x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Credit Intelligence Company Filings, last reported 4 months ago.

ASX:CI1 Past Debt and Equity Data
Date (Data in AUD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-06-30 6.30 2.53 3.51
2019-03-31 6.30 2.53 3.51
2018-12-31 3.83 0.00 3.48
2018-09-30 3.83 0.00 3.48
2018-06-30 4.30 0.00 4.37
2017-09-30 -0.07 0.07
2017-06-30 1.27 0.00 0.38
2017-03-31
2016-03-31
2015-03-31
  • Credit Intelligence's level of debt (40.1%) compared to net worth is high (greater than 40%).
  • Unable to establish if Credit Intelligence's debt level has increased without past 5-year debt data.
  • Debt is not well covered by operating cash flow (17.4%, less than 20% of total debt).
  • Unable to confirm if the interest payments on Credit Intelligence's debt are well covered by earnings due to lack of past financial data.
X
Financial health checks
We assess Credit Intelligence's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Credit Intelligence has a total score of 2/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

CI1 Dividends

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

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
4.55%
Current annual income from Credit Intelligence dividends. Estimated to be 27.27% next year.
If you bought A$2,000 of Credit Intelligence shares you are expected to receive A$91 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Credit Intelligence's pays a higher dividend yield than the bottom 25% of dividend payers in Australia (2.36%).
  • Credit Intelligence's dividend is below the markets top 25% of dividend payers in Australia (5.58%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
ASX:CI1 Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 1 Analyst Estimates (S&P Global) See Below
Australia Commercial Services Industry Average Dividend Yield Market Cap Weighted Average of 12 Stocks 2.6%
Australia Market Average Dividend Yield Market Cap Weighted Average of 391 Stocks 4.1%
Australia Minimum Threshold Dividend Yield 10th Percentile 1.5%
Australia Bottom 25% Dividend Yield 25th Percentile 2.4%
Australia Top 25% Dividend Yield 75th Percentile 5.6%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

ASX:CI1 Future Dividends Estimate Data
Date (Data in A$) Dividend per Share (annual) Avg. No. Analysts
2021-06-30 0.00 1.00
2020-06-30 0.00 1.00
2019-11-15
ASX:CI1 Past Annualized Dividends Data
Date (Data in A$) Dividend per share (annual) Avg. Yield (%)
2019-09-30 0.001 4.013
2019-08-29 0.001 3.473
2018-10-03 0.001 7.705
2018-08-23 0.001 6.091

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • It is too early to tell whether Credit Intelligence has stable dividend payments.
  • Credit Intelligence only just started paying a dividend, it is too early to tell if payments are increasing.
Current Payout to shareholders
What portion of Credit Intelligence's earnings are paid to the shareholders as a dividend.
  • Dividends paid are covered by earnings (1.3x coverage).
Future Payout to shareholders
  • Dividends after 3 years are not well covered by earnings (1.1x coverage).
X
Income/ dividend checks
We assess Credit Intelligence's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1.5%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Credit Intelligence afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Credit Intelligence has a total score of 2/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

CI1 Management

 What is the CEO of Credit Intelligence's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Jimmie Wong
COMPENSATION A$379,292
TENURE AS CEO 1.5 years
CEO Bio

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 serves its Director. Mr. Wong is the founder of Credit Intelligence. Mr Wong obtained a bachelor of laws from the University of Hong Kong. Mr Wong has over 20 years’ experience as a leading insolvency lawyer having served as legal adviser to numerous financial institutions and groups and has also provided legal advice in relation to cross-border takeovers and mergers, corporate finance, IPOs and foreign direct investment. In 2008 Mr. Wong was awarded the Hong Kong Innovative Entrepreneur of the Year Award. He is a non-practicing solicitor and was admitted as a solicitor in HongKong in 1989 and In Singapore in 1995.

CEO Compensation
  • Jimmie's compensation has increased in line with Credit Intelligence recently becoming profitable.
  • Jimmie's remuneration is about average for companies of similar size in Australia.
Management Team Tenure

Average tenure of the Credit Intelligence management team in years:

1.2
Average Tenure
  • The average tenure for the Credit Intelligence management team is less than 2 years, this suggests a new team.
Management Team

Jimmie Wong

TITLE
MD, CEO & Director
COMPENSATION
A$379K
TENURE
1.5 yrs

King Wong

TITLE
Executive Director
COMPENSATION
A$241K

Arthur Ma

TITLE
Chief Financial Officer

Wilson Lim

TITLE
Executive Director
TENURE
0.1 yrs

Guy Robertson

TITLE
Company secretary
TENURE
1.2 yrs
Board of Directors Tenure

Average tenure of the Credit Intelligence board of directors in years:

1.5
Average Tenure
  • The average tenure for the Credit Intelligence board of directors is less than 3 years, this suggests a new board.
Board of Directors

Tony Ho

TITLE
Non-Executive Chairman
COMPENSATION
A$71K
AGE
61
TENURE
1 yrs

Jimmie Wong

TITLE
MD, CEO & Director
COMPENSATION
A$379K

King Wong

TITLE
Executive Director
COMPENSATION
A$241K
TENURE
1.5 yrs

Wilson Lim

TITLE
Executive Director
TENURE
0.1 yrs

Norman Ashton

TITLE
Non-Executive Director
COMPENSATION
A$161K
AGE
61
TENURE
1.5 yrs

Vincent Lai

TITLE
Non-Executive Director
COMPENSATION
A$61K
TENURE
1.5 yrs

Alex Chung

TITLE
Director of Subsidiary
COMPENSATION
A$103K
TENURE
2.3 yrs

Eva Chan

TITLE
Director of Subsidiary
COMPENSATION
A$142K

Chris Lui

TITLE
Director of Subsidiary
COMPENSATION
A$40K
Who owns this company?
Recent Insider Trading
  • No 3 month open market individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (A$) Value (A$)
05. Dec 18 Buy Anthony Ho Individual 04. Dec 18 04. Dec 18 500,000 A$0.02 A$7,500
X
Management checks
We assess Credit Intelligence's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Credit Intelligence has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

CI1 News

Simply Wall St News

Have Insiders Been Selling Credit Intelligence Limited (ASX:CI1) Shares This Year?

So shareholders might well want to know whether insiders have been buying or selling shares in Credit Intelligence Limited (ASX:CI1). … Check out our latest analysis for Credit Intelligence The Last 12 Months Of Insider Transactions At Credit Intelligence Over the last year, we can see that the biggest insider sale was by the insider, Ka-Sek Wong, for AU$1.4m worth of shares, at about AU$0.022 per share. … It's heartening that insiders own plenty of stock, but we'd like to see more insider buying, since the last year of Credit Intelligence insider transactions don't fill us with confidence.

Simply Wall St -

Some Credit Intelligence (ASX:CI1) Shareholders Are Down 18%

For example, the Credit Intelligence Limited (ASX:CI1) share price is down 18% in the last year. … We note that for Credit Intelligence the TSR over the last year was -12%, which is better than the share price return mentioned above. … A Different Perspective While Credit Intelligence shareholders are down 12% for the year (even including dividends), the market itself is up 11%.

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What Kind Of Shareholder Appears On The Credit Intelligence Limited's (ASX:CI1) Shareholder Register?

Our analysis of the ownership of the company, below, shows that institutional investors have not yet purchased much of the company. … Check out our latest analysis for Credit Intelligence ASX:CI1 Ownership Summary, May 21st 2019 What Does The Institutional Ownership Tell Us About Credit Intelligence? … Insider Ownership Of Credit Intelligence The definition of an insider can differ slightly between different countries, but members of the board of directors always count.

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Have Insiders Been Selling Credit Intelligence Limited (ASX:CI1) Shares This Year?

So shareholders might well want to know whether insiders have been buying or selling shares in Credit Intelligence Limited (ASX:CI1). … The Last 12 Months Of Insider Transactions At Credit Intelligence. … Ka-Sek Wong was the only individual insider to sell shares in the last twelve months

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Looking At Credit Intelligence Limited (ASX:CI1) From All Angles

I've been keeping an eye on Credit Intelligence Limited (ASX:CI1) because I'm attracted to its fundamentals. … Looking at the company as a whole, as a potential stock investment, I believe CI1 has a lot to offer. … is a company with

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Is Credit Intelligence Limited's (ASX:CI1) Balance Sheet Strong Enough To Weather A Storm?

The direct benefit for Credit Intelligence Limited (ASX:CI1), which sports a zero-debt capital structure, to include debt in its capital structure is the reduced cost of capital. … However, the trade-off is CI1 will have to adhere to stricter debt covenants and have less financial flexibility. … Is financial flexibility worth the lower cost of capital

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Who Has Been Selling Credit Intelligence Limited (ASX:CI1) Shares?

So before you buy or sell Credit Intelligence Limited (ASX:CI1), you may well want to know whether insiders have been buying or selling. … It is perfectly legal for company insiders, including board members, to buy and sell stock in a company. … As Peter Lynch said, 'insiders might sell their shares for any number of reasons, but they buy them for only one: they think the price will rise.'?

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What Type Of Shareholder Owns Credit Intelligence Limited's (ASX:CI1)?

Every investor in Credit Intelligence Limited (ASX:CI1) should be aware of the most powerful shareholder groups. … Credit Intelligence is not a large company by global standards. … Check out our latest analysis for Credit Intelligence

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What You Must Know About Credit Intelligence Limited's (ASX:CI1) Financial Strength

The direct benefit for Credit Intelligence Limited (ASX:CI1), which sports a zero-debt capital structure, to include debt in its capital structure is the reduced cost of capital. … Is financial flexibility worth the lower cost of capital. … Debt capital generally has lower cost of capital compared to equity funding

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CI1 Company Info

Description

Credit Intelligence Limited provides debt restructuring and personal insolvency management services in Hong Kong. Its services include bankruptcy administration, and individual voluntary arrangement proposal consultancy and implementation services. The company is headquartered in Central, Hong Kong.

Details
Name: Credit Intelligence Limited
CI1
Exchange: ASX
Founded:
A$11,188,314
1,017,119,485
Website: http://www.ci1.com.au
Address: Credit Intelligence Limited
Double Building,
4th Floor,
Central,
2000,
Hong Kong
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
ASX CI1 Ordinary Shares Australian Securities Exchange AU AUD 22. May 2018
CHIA CI1 Ordinary Shares Chi-X Australia AU AUD 22. May 2018
Number of employees
Current staff
Staff numbers
30
Credit Intelligence employees.
Industry
Diversified Support Services
Commercial Services
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/11/15 10:43
End of day share price update: 2019/11/13 00:00
Last estimates confirmation: 2019/08/28
Last earnings filing: 2019/09/26
Last earnings reported: 2019/06/30
Last annual earnings reported: 2019/06/30


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.