Credit Intelligence Ltd stock PB Ratio (=3.93) is close to 5-year high of 3.93.
The historical rank and industry rank for Credit Intelligence's PB Ratio or its related term are showing as below:
ASX:CI1'
s PB Ratio Range Over the Past 10 Years
Min: 0.34 Med: 1.08 Max: 6.7
Current: 3.93
During the past 13 years, Credit Intelligence's highest PB Ratio was 6.70. The lowest was 0.34. And the median was 1.08.
ASX:CI1's PB Ratio is not ranked
in the Business Services industry.
Industry Median: 1.61
vs ASX:CI1: 3.93
During the past 12 months, Credit Intelligence's average Book Value Per Share Growth Rate was -72.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -54.00% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -29.90% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Credit Intelligence was 80.80% per year. The lowest was -68.20% per year. And the median was -13.25% per year.
Back to Basics: PB Ratio
Credit Intelligence (ASX:CI1) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Credit Intelligence PB Ratio Related Terms
Credit Intelligence PB Ratio Historical Data
* Premium members only.
The historical data trend for Credit Intelligence's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Business Services Industry
For the Business Services industry and Industrials sector, Credit Intelligence's PB Ratio distribution charts can be found below:
* The bar in red indicates where Credit Intelligence's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Credit Intelligence (ASX:CI1) has a PB Ratio of 3.93 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Credit Intelligence and its competitors. This is 264% above median its historical median of 1.08. Over the past decade, Credit Intelligence's PB Ratio has ranged from 0.34 to 6.70.
Is Credit Intelligence's PB Ratio too high?
Credit Intelligence's current PB Ratio of 3.93 is 264% above median its 10-year median of 1.08. Over the past 10 years, this metric has ranged from a low of 0.34 to a high of 6.70. The Business Services industry median PB Ratio is 1.61. Credit Intelligence's value of 3.93 is 144.1% 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 PB Ratio compare to CTAS and CPRT?
Credit Intelligence's PB Ratio of 3.93 can be compared against companies in the Business Services industry. The industry median PB Ratio is 1.61. Credit Intelligence's value of 3.93 is 144.1% above this benchmark. Historically, Credit Intelligence's own PB Ratio has ranged from 0.34 to 6.70 over the past decade. While the company's 10-year median is 1.08 vs. the industry median of 1.61, 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 PB Ratio for a Business Services company?
The median PB Ratio among Business Services companies is 1.61, based on 1,049 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Intelligence's current PB Ratio of 3.93 is 144.1% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Credit Intelligence and its competitors. For the Business Services industry, the median PB Ratio is 1.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Intelligence's current PB Ratio is 3.93, which is 264% above median its own 10-year median of 1.08. 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 PB Ratio of 3.93. 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 PB Ratio is 3.93, which is 264% above median its 10-year median of 1.08 and 144.1% above the Business Services industry median of 1.61. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Credit Intelligence (ASX:CI1), the current PB Ratio is 3.93 as of Jun. 25, 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:
PB Ratio: 3.93 (264% above median its 10-year median of 1.08)
GF Value™: A$0.17 vs. price of A$0.11 (35.3% below fair value)
Industry Position: 144.1% 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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