3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
Credit Intelligence's 3-Year ROIIC % for the quarter that ended in Jun. 2025 was 11.94%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Credit Intelligence's 3-Year ROIIC % or its related term are showing as below:
ASX:CI1's 3-Year ROIIC % is not ranked
in the Business Services industry.
Industry Median: 4.99
vs ASX:CI1: 11.94
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Credit Intelligence 3-Year ROIIC % Related Terms
Credit Intelligence 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for Credit Intelligence's 3-Year ROIIC % 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: 3-Year ROIIC % Comparison
For the Specialty Business Services subindustry, Credit Intelligence's 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Business Services Industry
For the Business Services industry and Industrials sector, Credit Intelligence's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Credit Intelligence's 3-Year ROIIC % falls into.
Credit Intelligence's 3-Year ROIIC % for the quarter that ended in Jun. 2025 is calculated as:
3-Year ROIIC %
=
3-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
3-Year Incremental Invested Capital**
=
( -3.003 (Jun. 2025) - 0.0740922 (Jun. 2022) )
/
( 2.342 (Jun. 2025) - 28.113 (Jun. 2022) )
=
-3.0770922
/
-25.771
=
11.94%***
* 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Credit Intelligence (ASX:CI1) has a 3-Year ROIIC % of 11.94 as of Jun. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Credit Intelligence and its competitors. This is 17% below median its historical median of 14.38.
Is Credit Intelligence's 3-Year ROIIC % too high?
Credit Intelligence's current 3-Year ROIIC % of 11.94 is 17% below median its 10-year median of 14.38. The Business Services industry median 3-Year ROIIC % is 4.99. Credit Intelligence's value of 11.94 is 139.3% 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 3-Year ROIIC % compare to CTAS and CPRT?
Credit Intelligence's 3-Year ROIIC % of 11.94 can be compared against companies in the Business Services industry. The industry median 3-Year ROIIC % is 4.99. Credit Intelligence's value of 11.94 is 139.3% above this benchmark. While the company's 10-year median is 14.38 vs. the industry median of 4.99, 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 3-Year ROIIC % for a Business Services company?
The median 3-Year ROIIC % among Business Services companies is 4.99, based on 1,009 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Intelligence's current 3-Year ROIIC % of 11.94 is 139.3% 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Credit Intelligence and its competitors. For the Business Services industry, the median 3-Year ROIIC % is 4.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Intelligence's current 3-Year ROIIC % is 11.94, which is 17% below median its own 10-year median of 14.38. 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 3-Year ROIIC % of 11.94. 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 3-Year ROIIC % is 11.94, which is 17% below median its 10-year median of 14.38 and 139.3% above the Business Services industry median of 4.99. 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 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Credit Intelligence (ASX:CI1), the current 3-Year ROIIC % is 11.94 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:
3-Year ROIIC %: 11.94 (17% below median its 10-year median of 14.38)
GF Value™: A$0.17 vs. price of A$0.11 (35.3% below fair value)
Industry Position: 139.3% 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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