Credit Intelligence (ASX:CI1) FCF Margin %: -9.46% (As of Jun. 2025)

What is Credit Intelligence FCF Margin %?

Credit Intelligence ASX:CI1 43 FCF Margin % is -9.46% as of Jun. 2025. GuruFocus rates ASX:CI1 with a GF Score™ of 43/100 and a GF Value™ of A$0.17. The stock has 6 warning signs investors should review.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Credit Intelligence's Free Cash Flow for the six months ended in Jun. 2025 was A$0.31 Mil. Credit Intelligence's Revenue for the six months ended in Jun. 2025 was A$-3.27 Mil. Therefore, Credit Intelligence's FCF Margin % for the quarter that ended in Jun. 2025 was -9.46%.

As of today, Credit Intelligence's current FCF Yield % is 3.52%.

The historical rank and industry rank for Credit Intelligence's FCF Margin % or its related term are showing as below:

ASX:CI1' s FCF Margin % Range Over the Past 10 Years
Min: -8.66 Med: 17.25 Max: 115.93
Current: 115.59

During the past 13 years, the highest FCF Margin % of Credit Intelligence was 115.93%. The lowest was -8.66%. And the median was 17.25%.

ASX:CI1's FCF Margin % is not ranked
in the Business Services industry.
Industry Median: 3.495 vs ASX:CI1: 115.59

Credit Intelligence FCF Margin % Related Terms

Credit Intelligence FCF Margin % Historical Data

* Premium members only.

The historical data trend for Credit Intelligence's FCF Margin % 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.

Credit Intelligence FCF Margin % Chart

Credit Intelligence Annual Data

Trend

Jun16

Jun17

Jun18

Jun19

Jun20

Jun21

Jun22

Jun23

Jun24

Jun25

FCF Margin %

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2.13

12.39

31.34

-8.66

115.93

Credit Intelligence Semi-Annual Data
	Dec15	Jun16	Dec16	Jun17	Dec17	Jun18	Dec18	Jun19	Dec19	Jun20	Dec20	Jun21	Dec21	Jun22	Dec22	Jun23	Dec23	Jun24	Dec24	Jun25
FCF Margin %	Get a 7-Day Free Trial															54.79	-16.96	1.36	0.90	-9.46

ASX:CI1 vs CTAS, CPRT, GPN: FCF Margin % Comparison

For the Specialty Business Services subindustry, Credit Intelligence's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Business Services Industry

For the Business Services industry and Industrials sector, Credit Intelligence's FCF Margin % distribution charts can be found below:

* The bar in red indicates where Credit Intelligence's FCF Margin % falls into.

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43GF Score

Credit Intelligence Ltd ASX:CI1

FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.

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Credit Intelligence FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

Credit Intelligence's FCF Margin for the fiscal year that ended in Jun. 2025 is calculated as

FCF Margin	=	Free Cash Flow (A: Jun. 2025 )	/	Revenue (A: Jun. 2025 )
	=	0.342	/	0.295
	=	115.93 %

Credit Intelligence's FCF Margin for the quarter that ended in Jun. 2025 is calculated as

FCF Margin	=	Free Cash Flow (Q: Jun. 2025 )	/	Revenue (Q: Jun. 2025 )
	=	0.309	/	-3.266
	=	-9.46 %

Frequently Asked Questions Learn more about FCF Margin % →

What does a FCF Margin % of -9.46% mean?

Credit Intelligence (ASX:CI1) has a FCF Margin % of -9.46% as of Jun. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Credit Intelligence and its competitors.

Is Credit Intelligence's FCF Margin % too high?

Credit Intelligence's current FCF Margin % is -9.46%. 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 FCF Margin % compare to CTAS and CPRT?

Credit Intelligence's FCF Margin % of -9.46% can be compared against companies in the Business Services industry. The industry median FCF Margin % is 3.50. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good FCF Margin % for a Business Services company?

The median FCF Margin % among Business Services companies is 3.50, based on 1,070 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?

A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Credit Intelligence and its competitors. For the Business Services industry, the median FCF Margin % is 3.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Intelligence's current FCF Margin % is -9.46%. 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 FCF Margin % of -9.46%. 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 FCF Margin % is -9.46%. 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 FCF Margin % calculated?

FCF Margin % is calculated from a company's financial statements. For Credit Intelligence (ASX:CI1), the current FCF Margin % is -9.46% 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:

FCF Margin %: -9.46%
GF Value™: A$0.17 vs. price of A$0.11 (35.3% below fair value)
GF Score™: 43/100 with 6 warning signs

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 Business Description

Industry Industrials Business Services

Comparable Companies ASX:SSH ASX:EAX ASX:1AG ASX:RBR ASX:ECG ASX:STG ASX:MIL ASX:BOL LSE:REL TSX:TRI CTAS CPRT XAMS:WKL GPN XPAR:SW LSE:RTO ASX:BXB TSX:RBA TSE:7911 XPAR:TEP

Address 24-26 Kent Street, Millers Point, Sydney, ACT, AUS, 6000

Website https://www.ci1.com.au

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

FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

A$0.11

Price

A$0.17

GF Value

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