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EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Credit Intelligence's Enterprise Value is A$7.94 Mil.
Credit Intelligence's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2025 was A$0.64 Mil. Therefore, Credit Intelligence's EV-to-OCF for today is 12.50.
The historical rank and industry rank for Credit Intelligence's EV-to-OCF or its related term are showing as below:
ASX:CI1'
s EV-to-OCF Range Over the Past 10 Years
Min: -14.26 Med: 7.71 Max: 58
Current: 12.5
During the past 13 years, the highest EV-to-OCF of Credit Intelligence was 58.00. The lowest was -14.26. And the median was 7.71.
ASX:CI1's EV-to-OCF is not ranked
in the Business Services industry.
Industry Median: 7.23
vs ASX:CI1: 12.50
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Credit Intelligence's PE Ratio (TTM) for today is calculated as:
Credit Intelligence's share price for today is A$0.11.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Credit Intelligence's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2025 was A$-0.051.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Credit Intelligence EV-to-OCF Related Terms
Credit Intelligence EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Credit Intelligence's EV-to-OCF 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.
For the Specialty Business Services subindustry, Credit Intelligence's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Business Services Industry
For the Business Services industry and Industrials sector, Credit Intelligence's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Credit Intelligence's EV-to-OCF falls into.
Credit Intelligence's current Enterprise Value is A$7.94 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Credit Intelligence's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2025 was A$0.64 Mil.
* 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.
Credit Intelligence (ASX:CI1) has a EV-to-OCF of 12.50 as of Aug. 10, 2026. This is 62% above median its historical median of 7.71.
Is Credit Intelligence's EV-to-OCF too high?
Credit Intelligence's current EV-to-OCF of 12.50 is 62% above median its 10-year median of 7.71. The Business Services industry median EV-to-OCF is 7.23. Credit Intelligence's value of 12.50 is 72.9% above this industry median. 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 EV-to-OCF compare to CTAS and CPRT?
Credit Intelligence's EV-to-OCF of 12.50 can be compared against companies in the Business Services industry. The industry median EV-to-OCF is 7.23. Credit Intelligence's value of 12.50 is 72.9% above this benchmark. While the company's 10-year median is 7.71 vs. the industry median of 7.23, Credit Intelligence has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Business Services company?
The median EV-to-OCF among Business Services companies is 7.23, based on 1,090 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Intelligence's current EV-to-OCF of 12.50 is 72.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Business Services industry, the median EV-to-OCF is 7.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Intelligence's current EV-to-OCF is 12.50, which is 62% above median its own 10-year median of 7.71. 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 EV-to-OCF of 12.50. 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 EV-to-OCF is 12.50, which is 62% above median its 10-year median of 7.71 and 72.9% above the Business Services industry median of 7.23. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Credit Intelligence (ASX:CI1), the current EV-to-OCF is 12.50 as of Aug. 10, 2026. 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:
EV-to-OCF: 12.50 (62% above median its 10-year median of 7.71)
GF Value™: A$0.17 vs. price of A$0.11 (35.3% below fair value)
Industry Position: 72.9% above the Business Services median
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
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