EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Credit Intelligence's Enterprise Value is A$7.94 Mil.
Credit Intelligence's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2025 was A$0.34 Mil. Therefore, Credit Intelligence's EV-to-FCF for today is 23.27.
The historical rank and industry rank for Credit Intelligence's EV-to-FCF or its related term are showing as below:
ASX:CI1'
s EV-to-FCF Range Over the Past 10 Years
Min: -12.25 Med: 9.97 Max: 102.9
Current: 23.27
During the past 13 years, the highest EV-to-FCF of Credit Intelligence was 102.90. The lowest was -12.25. And the median was 9.97.
ASX:CI1's EV-to-FCF is not ranked
in the Business Services industry.
Industry Median: 12.225
vs ASX:CI1: 23.27
EV-to-FCF 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-FCF 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Credit Intelligence EV-to-FCF Related Terms
Credit Intelligence EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Credit Intelligence's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Business Services Industry
For the Business Services industry and Industrials sector, Credit Intelligence's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Credit Intelligence's EV-to-FCF 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 Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2025 was A$0.34 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-FCF of 23.27 as of Jun. 30, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Credit Intelligence and its competitors. This is 133% above median its historical median of 9.97.
Is Credit Intelligence's EV-to-FCF too high?
Credit Intelligence's current EV-to-FCF of 23.27 is 133% above median its 10-year median of 9.97. The Business Services industry median EV-to-FCF is 12.23. Credit Intelligence's value of 23.27 is 90.3% 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-FCF compare to CTAS and CPRT?
Credit Intelligence's EV-to-FCF of 23.27 can be compared against companies in the Business Services industry. The industry median EV-to-FCF is 12.23. Credit Intelligence's value of 23.27 is 90.3% above this benchmark. While the company's 10-year median is 9.97 vs. the industry median of 12.23, 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-FCF for a Business Services company?
The median EV-to-FCF among Business Services companies is 12.23, based on 720 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Intelligence's current EV-to-FCF of 23.27 is 90.3% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Credit Intelligence and its competitors. For the Business Services industry, the median EV-to-FCF is 12.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Intelligence's current EV-to-FCF is 23.27, which is 133% above median its own 10-year median of 9.97. 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-FCF of 23.27. 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-FCF is 23.27, which is 133% above median its 10-year median of 9.97 and 90.3% above the Business Services industry median of 12.23. 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Credit Intelligence (ASX:CI1), the current EV-to-FCF is 23.27 as of Jun. 30, 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-FCF: 23.27 (133% above median its 10-year median of 9.97)
GF Value™: A$0.17 vs. price of A$0.11 (35.3% below fair value)
Industry Position: 90.3% 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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