How to buy Credit Intelligence shares | A$0.028

Credit Intelligence Limited is a specialty business services business based in Australia. Credit Intelligence shares (CI1) are listed on the Australian Securities Exchange (ASX) and all prices are listed in Australian Dollars. Its last market close was $0.028 – an increase of 16.67% over the previous week. Credit Intelligence has a trailing 12-month revenue of around $13.6 million.

How to buy shares in Credit Intelligence

1. Compare share trading platforms. To buy shares listed in Australia, you'll need to sign up to a broker with access to the Australian Securities Exchange (ASX). Our table below can help you choose.
2. Open and fund your brokerage account. Complete an application with your personal and financial details, like your ID and tax file number. Fund your account with a bank transfer, PayPal or debit card.
3. Search for Credit Intelligence. Find the share by name or ticker symbol: CI1. Research its history to confirm it's a solid investment against your financial goals.
4. Purchase now or later. Buy today with a market order or use a limit order to delay your purchase until Credit Intelligence reaches your desired price. To spread out your risk, look into dollar-cost averaging, which smooths out buying at consistent intervals and amounts.
5. Decide on how many to buy. At today's price of $0.028, weigh your budget against a diversified portfolio that can minimise risk through the market's ups and downs.
6. Check in on your investment. Congratulations, you own a part of Credit Intelligence. Optimise your portfolio by tracking how your stock — and even the business — performs with an eye on the long term. You may be eligible for dividends and shareholder voting rights on directors and management that can affect your stock.

Credit Intelligence share price

Use our graph to track the performance of CI1 stocks over time.

Credit Intelligence shares at a glance

• Key figures

Information last updated 2020-09-15.

Latest market close	AUDA$0.028
52-week range	AUDA$0.011 - AUDA$0.043
50-day moving average	AUDA$0.0267
200-day moving average	AUDA$0.0287
Target price	N/A
PE ratio	11.3043
Dividend yield	AUDA$0 (1.79%)
Earnings per share (TTM)	AUDA$0.002

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The value of your investments can fall as well as rise and you may get back less than you invested. Past performance is no indication of future results.

Is it a good time to buy Credit Intelligence stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

Technical Analysis of Credit Intelligence Limited by TradingView

Credit Intelligence price performance over time

Historical closes compared with the last close of A$0.028

1 week (2020-09-10)	16.67%
1 month (2020-08-20)	-3.45%
3 months (2020-06-19)	-6.67%
6 months (2020-03-20)	7.69%

1 year (2019-09-20)	100.00%
2 years (2018-09-20)	47.37%
3 years (2017-09-20)	61.85%
5 years (2015-09-18)	305.80%

Is Credit Intelligence under- or over-valued?

Valuing Credit Intelligence stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Credit Intelligence's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

Credit Intelligence's P/E ratio

Credit Intelligence's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 11x. In other words, Credit Intelligence shares trade at around 11x recent earnings.

That's relatively low compared to, say, the P/E ratio for the ASX over the 12 months to December 2019 (32.14). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

Credit Intelligence's EBITDA

Credit Intelligence's EBITDA (earnings before interest, taxes, depreciation and amortisation) is $5.4 million (£3 million).

The EBITDA is a measure of a Credit Intelligence's overall financial performance and is widely used to measure a its profitability.

Credit Intelligence financials

Revenue TTM	$13.6 million
Operating margin TTM	39.02%
Gross profit TTM	$13.6 million
Return on assets TTM	16.36%
Return on equity TTM	41.29%
Profit margin	18.67%
Book value	0.009
Market capitalisation	$33.6 million

TTM: trailing 12 months

Credit Intelligence share dividends

Dividend payout ratio: 21.74% of net profits

Recently Credit Intelligence has paid out, on average, around 21.74% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 1.79% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Credit Intelligence shareholders could enjoy a 1.79% return on their shares, in the form of dividend payments. In Credit Intelligence's case, that would currently equate to about A$0 per share.

While Credit Intelligence's payout ratio might seem low, this can signify that Credit Intelligence is investing more in its future growth.

The latest dividend was paid out to all shareholders who bought their shares by 2 September 2020 (the "ex-dividend date").

Have Credit Intelligence's shares ever split?

Credit Intelligence's shares were split on a 1000:3468 basis on 24 January 2018. So if you had owned 3468 shares the day before before the split, the next day you'd have owned 1000 shares. This wouldn't directly have changed the overall worth of your Credit Intelligence shares – just the quantity. However, indirectly, the new 246.8% higher share price could have impacted the market appetite for Credit Intelligence shares which in turn could have impacted Credit Intelligence's share price.

Credit Intelligence share price volatility

Over the last 12 months, Credit Intelligence's shares have ranged in value from as little as $0.011 up to $0.043. A popular way to gauge a stock's volatility is its "beta".

Beta is a measure of a share's volatility in relation to the market. The market (AU average) beta is 1, while Credit Intelligence's is -1.4135. This would suggest that Credit Intelligence's shares have been inversely-correlated to the average (for this exchange) – so when the broader market trended up or down, Credit Intelligence has bucked the trend.

Credit Intelligence overview

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.

Frequently asked questions

• What percentage of Credit Intelligence is owned by insiders?

  Currently 75.663% of Credit Intelligence shares are held by insiders.

• When does the fiscal year end for Credit Intelligence?

  Credit Intelligence's fiscal year ends in June.

• Where is Credit Intelligence based?

  Credit Intelligence's address is: Double Building, Central, Hong Kong, 2000

• What is Credit Intelligence's ISIN number?

  Credit Intelligence's international securities identification number is: AU0000013518