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A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Credit Intelligence's Debt-to-EBITDA or its related term are showing as below:
ASX:CI1'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -0.58 Med: -0.04 Max: 3.34
Current: -0.05
During the past 13 years, the highest Debt-to-EBITDA Ratio of Credit Intelligence was 3.34. The lowest was -0.58. And the median was -0.04.
ASX:CI1's Debt-to-EBITDA is not ranked
in the Business Services industry.
Industry Median: 1.65
vs ASX:CI1: -0.05
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Credit Intelligence Debt-to-EBITDA Related Terms
Credit Intelligence Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Credit Intelligence's Debt-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
ASX:CI1 vs CTAS, CPRT, GPN: Debt-to-EBITDA Comparison
For the Specialty Business Services subindustry, Credit Intelligence's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Credit Intelligence Debt-to-EBITDA vs Business Services Industry
For the Business Services industry and Industrials sector, Credit Intelligence's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Credit Intelligence's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is two times the quarterly (Jun. 2025) EBITDA data.
Credit Intelligence (ASX:CI1) has a Debt-to-EBITDA of -0.10 as of Jun. 2025. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Credit Intelligence.
Is Credit Intelligence's Debt-to-EBITDA too high?
Credit Intelligence's current Debt-to-EBITDA is -0.10. Overall, Credit Intelligence has a GF Score™ of 43/100, reflecting its overall financial health beyond just this single metric.
How does Credit Intelligence's Debt-to-EBITDA compare to CTAS and CPRT?
Credit Intelligence's Debt-to-EBITDA of -0.10 can be compared against companies in the Business Services industry. The industry median Debt-to-EBITDA is 1.65. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Business Services company?
The median Debt-to-EBITDA among Business Services companies is 1.65, based on 834 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Credit Intelligence. For the Business Services industry, the median Debt-to-EBITDA is 1.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Intelligence's current Debt-to-EBITDA is -0.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Credit Intelligence stock overvalued right now?
Credit Intelligence (ASX:CI1) has a current Debt-to-EBITDA of -0.10. The stock's GF Value™ is A$0.17, compared to a current price of A$0.11 — trading 35.3% below its estimated fair value. The current Debt-to-EBITDA is -0.10. Credit Intelligence's overall GF Score™ is 43/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Credit Intelligence (ASX:CI1), the current Debt-to-EBITDA is -0.10 as of Jun. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Credit Intelligence (ASX:CI1) Overvalued in 2026?
Based on GuruFocus' analysis, Credit Intelligence stock appears to be undervalued.
The current stock price of A$0.11 is trading 35.3% below its estimated GF Value™ of A$0.17.
Key valuation signals for ASX:CI1:
Debt-to-EBITDA: -0.10
GF Value™: A$0.17 vs. price of A$0.11 (35.3% below fair value)
No single metric tells the full story. See the ASX:CI1 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Credit Intelligence Ltd provides financial services in Australia and Singapore. The Group has two reportable segments, namely BNPL finance service and credit financing. It derives the majority of the revenue from the credit financing segment.
43GF Score
Get the complete analysis for ASX:CI1
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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