Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Credit Intelligence's annualized net income for the quarter that ended in Jun. 2025 was A$-1.09 Mil. Credit Intelligence's average shareholder tangible equity for the quarter that ended in Jun. 2025 was A$2.95 Mil. Therefore, Credit Intelligence's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2025 was -36.83%.
The historical rank and industry rank for Credit Intelligence's Return-on-Tangible-Equity or its related term are showing as below:
ASX:CI1'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -149.74 Med: -12.51 Max: 398.59
Current: -95.71
During the past 13 years, Credit Intelligence's highest Return-on-Tangible-Equity was 398.59%. The lowest was -149.74%. And the median was -12.51%.
ASX:CI1's Return-on-Tangible-Equity is not ranked
in the Business Services industry.
Industry Median: 10.57
vs ASX:CI1: -95.71
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Credit Intelligence Return-on-Tangible-Equity Related Terms
Credit Intelligence Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Credit Intelligence's Return-on-Tangible-Equity 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: Return-on-Tangible-Equity Comparison
For the Specialty Business Services subindustry, Credit Intelligence's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Business Services Industry
For the Business Services industry and Industrials sector, Credit Intelligence's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Credit Intelligence's Return-on-Tangible-Equity 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 Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Jun. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of -36.83% mean?
Credit Intelligence (ASX:CI1) has a Return-on-Tangible-Equity of -36.83% as of Jun. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Credit Intelligence and its competitors.
Is Credit Intelligence's Return-on-Tangible-Equity too high?
Credit Intelligence's current Return-on-Tangible-Equity is -36.83%. 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 Return-on-Tangible-Equity compare to CTAS and CPRT?
Credit Intelligence's Return-on-Tangible-Equity of -36.83% can be compared against companies in the Business Services industry. The industry median Return-on-Tangible-Equity is 10.57. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Equity for a Business Services company?
The median Return-on-Tangible-Equity among Business Services companies is 10.57, based on 1,009 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Credit Intelligence and its competitors. For the Business Services industry, the median Return-on-Tangible-Equity is 10.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Intelligence's current Return-on-Tangible-Equity is -36.83%. 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 Return-on-Tangible-Equity of -36.83%. 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 Return-on-Tangible-Equity is -36.83%. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Credit Intelligence (ASX:CI1), the current Return-on-Tangible-Equity is -36.83% 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:
Return-on-Tangible-Equity: -36.83%
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
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Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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