Credit Intelligence (ASX:CI1) ROC (Joel Greenblatt) %: -146.74% (As of Jun. 2025)


ASX:CI1 Credit Intelligence Ltd ASX:CI1
43 GF Score
Price A$0.11
GF Value A$0.17
! 6 Warning Signs
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What is Credit Intelligence ROC (Joel Greenblatt) %?

Credit Intelligence ASX:CI1 43 ROC (Joel Greenblatt) % is -146.74% 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.

Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits). He defines ROC (Joel Greenblatt) % as EBIT divided by the total of Property, Plant and Equipment and net working capital. Credit Intelligence's annualized ROC (Joel Greenblatt) % for the quarter that ended in Jun. 2025 was -146.74%.

The historical rank and industry rank for Credit Intelligence's ROC (Joel Greenblatt) % or its related term are showing as below:

ASX:CI1' s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: -1429.23   Med: 92.4   Max: 1225.62
Current: -210.17

During the past 13 years, Credit Intelligence's highest ROC (Joel Greenblatt) % was 1225.62%. The lowest was -1429.23%. And the median was 92.40%.

ASX:CI1's ROC (Joel Greenblatt) % is not ranked
in the Business Services industry.
Industry Median: 20.93 vs ASX:CI1: -210.17

Credit Intelligence's 5-Year average Growth Rate of ROC (Joel Greenblatt) % was 0.00% per year.


Credit Intelligence  (ASX:CI1) ROC (Joel Greenblatt) % Explanation

The way Joel Greenblatt defines Return on Capital is a more accurate measure of how efficiently the company generates returns onthe capital actually invested in the business. EBIT is used instead of net income because the tax and interest payment may be affected by factors other than the core business operation. Intangible assets are not included in the calculation because they don't need to be replaced.

Joel Greenblatt uses his definition of Return on Capital and Earnings Yield (Joel Greenblatt) % to rank companies.


Credit Intelligence ROC (Joel Greenblatt) % Related Terms


Credit Intelligence ROC (Joel Greenblatt) % Historical Data

* Premium members only.

The historical data trend for Credit Intelligence's ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % Chart

Credit Intelligence Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
ROC (Joel Greenblatt) %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 561.34 92.40 -369.69 -1,429.23 -571.69

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
ROC (Joel Greenblatt) % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -112.30 -825.38 21.92 -170.19 -146.74

ASX:CI1 vs CTAS, CPRT, GPN: ROC (Joel Greenblatt) % Comparison

For the Specialty Business Services subindustry, Credit Intelligence's ROC (Joel Greenblatt) %, along with its competitors' market caps and ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % vs Business Services Industry

For the Business Services industry and Industrials sector, Credit Intelligence's ROC (Joel Greenblatt) % distribution charts can be found below:

* The bar in red indicates where Credit Intelligence's ROC (Joel Greenblatt) % falls into.


ASX:CI1
43GF Score
Credit Intelligence Ltd ASX:CI1
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Credit Intelligence ROC (Joel Greenblatt) % Calculation

Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits) . He defines Return on Capital as follows:

ROC (Joel Greenblatt) %=EBIT/Average of (Net fixed Assets + Net Working Capital)

EBIT stands for Earnings Before Interest and Taxes.

Fixed Assets are also known as non-current assets. They include the Property, Plant and Equipment that the firm needs in its operation.

GuruFocus calculates net working capital as: (Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Deferred Revenue + Other Current Liabilities). We're trying to account for OPERATING assets and liabilities (part of daily business) when calculating working capital. Cash and marketable securities are considered NON-OPERATING assets and are not included in calculation. We will also back out all interest bearing debt, short term debt and the portion of long term debt that is due in the current period from the current liabilities. This debt will be considered when computing cost of capital and it would be inappropriate to count it twice.

Working Capital(Q: Dec. 2024 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(2.075 + 0 + 2.605) - (0.998 + 0.009 + 2.291)
=1.382

Working Capital(Q: Jun. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0 + 0 + 0.033) - (0.094 + 0.04 + 0)
=-0.101

When net working capital is negative, 0 is used.

So ROC (Joel Greenblatt) % of Credit Intelligence for the quarter that ended in Jun. 2025 can be restated as:

ROC (Joel Greenblatt) %(Q: Jun. 2025 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Dec. 2024  Q: Jun. 2025
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=-2.094/( ( (1.358 + max(1.382, 0)) + (0.114 + max(-0.101, 0)) )/ 2 )
=-2.094/( ( 2.74 + 0.114 )/ 2 )
=-2.094/1.427
=-146.74 %

Note: The EBIT data used here is two times the semi-annual (Jun. 2025) EBIT data.

* 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.

What does a ROC (Joel Greenblatt) % of -146.74% mean?
Credit Intelligence (ASX:CI1) has a ROC (Joel Greenblatt) % of -146.74% as of Jun. 2025. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Credit Intelligence and its competitors.
Is Credit Intelligence's ROC (Joel Greenblatt) % too high?
Credit Intelligence's current ROC (Joel Greenblatt) % is -146.74%. 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 ROC (Joel Greenblatt) % compare to CTAS and CPRT?
Credit Intelligence's ROC (Joel Greenblatt) % of -146.74% can be compared against companies in the Business Services industry. The industry median ROC (Joel Greenblatt) % is 20.93. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Business Services company?
The median ROC (Joel Greenblatt) % among Business Services companies is 20.93, based on 1,081 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Credit Intelligence and its competitors. For the Business Services industry, the median ROC (Joel Greenblatt) % is 20.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Intelligence's current ROC (Joel Greenblatt) % is -146.74%. 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 ROC (Joel Greenblatt) % of -146.74%. 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 ROC (Joel Greenblatt) % is -146.74%. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Credit Intelligence (ASX:CI1), the current ROC (Joel Greenblatt) % is -146.74% 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:

  • ROC (Joel Greenblatt) %: -146.74%
  • 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

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

ROC (Joel Greenblatt) % 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