Credit Bureau Asia Limited (SG:TCU)
SGX:TCU
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Credit Bureau Asia Limited
(SGX:TCU)
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Rating:67Neutral
Price Target:
S$1.50
▲(18.11% Upside)
Action:N/ADate:11/28/25
The overall stock score of 67 for Credit Bureau Asia Limited is primarily driven by its strong financial performance (score: 83), reflecting robust profitability, low leverage, and healthy cash flow growth. However, the score is tempered by weak technical indicators (score: 45) showing bearish price trends and a moderately high P/E ratio (valuation score: 55), suggesting potential overvaluation. Financial strength remains the key positive factor, while technical weakness poses a near-term risk.
Credit Bureau Asia Limited (TCU) vs. iShares MSCI Singapore ETF (EWS)
Market Cap
S$285.68M
Dividend Yield3.13%
Average Volume (3M)103.59K
Price to Earnings (P/E)―
Beta (1Y)0.11
Revenue Growth0.68%
EPS Growth-4.30%
CountrySG
Employees185
SectorFinancial
Sector Strength70
IndustryFinancial - Data & Stock Exchanges
Share Statistics
EPS (TTM)0.02
Shares Outstanding230,390,000
10 Day Avg. Volume40,240
30 Day Avg. Volume103,586
Financial Highlights & Ratios
PEG Ratio1.69
Price to Book (P/B)5.25
Price to Sales (P/S)4.55
P/FCF Ratio9.50
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.06
Revenue Forecast (FY)S$72.06M
Credit Bureau Asia Limited Business Overview & Revenue Model
Company Description
Credit Bureau Asia Limited (TCU) is a leading credit reporting agency in Asia, specializing in providing comprehensive credit information and risk management solutions to financial institutions, businesses, and consumers. The company operates in t...
How the Company Makes Money
Credit Bureau Asia Limited generates revenue primarily through the sale of its credit reporting services and data analytics solutions to banks, financial institutions, and businesses. The company charges fees for credit reports and scores provided...
Credit Bureau Asia Limited Financial Statement Overview
Summary
Income Statement
85
Very Positive
Balance Sheet
80
Positive
Cash Flow
82
Very Positive
| Breakdown | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|
Income Statement | ||||
| Total Revenue | 59.71M | 54.17M | 48.62M | 45.38M |
| Gross Profit | 47.31M | 42.42M | 37.94M | 35.11M |
| EBITDA | 35.48M | 31.21M | 27.32M | 26.16M |
| Net Income | 11.24M | 9.84M | 8.40M | 7.84M |
Balance Sheet | ||||
| Total Assets | 103.49M | 93.72M | 88.15M | 84.81M |
| Cash, Cash Equivalents and Short-Term Investments | 67.99M | 61.01M | 54.10M | 53.46M |
| Total Debt | 6.09M | 3.28M | 3.55M | 4.08M |
| Total Liabilities | 30.80M | 25.69M | 24.16M | 21.52M |
| Stockholders Equity | 51.76M | 49.52M | 47.54M | 47.28M |
Cash Flow | ||||
| Free Cash Flow | 28.62M | 24.86M | 19.91M | 16.82M |
| Operating Cash Flow | 30.21M | 26.12M | 22.81M | 19.95M |
| Investing Cash Flow | 3.90M | 16.88M | -23.56M | -1.79M |
| Financing Cash Flow | -22.92M | -20.70M | -18.61M | -17.82M |
Credit Bureau Asia Limited Technical Analysis
Negative
1.27
Price Trends
1.25
Negative
1.26
Negative
1.30
Negative
Market Momentum
<0.01
Negative
50.89
Neutral
61.11
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SG:TCU, the sentiment is Negative. The current price of 1.27 is above the 20-day moving average (MA) of 1.25, above the 50-day MA of 1.25, and below the 200-day MA of 1.30, indicating a neutral trend. The MACD of <0.01 indicates Negative momentum. The RSI at 50.89 is Neutral, neither overbought nor oversold. The STOCH value of 61.11 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SG:TCU.
Credit Bureau Asia Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | S$1.16B | 18.75 | 2.98% | 4.87% | -23.60% | -39.83% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | S$285.68M | ― | 22.19% | 3.13% | 0.68% | -4.30% | |
49 Neutral | S$939.72M | -271.06 | -0.19% | 3.76% | -32.47% | -101.73% |
* Financial Sector Average
SG:TCU
Credit Bureau Asia Limited
1.24
0.00
0.00%
SG:5UA
Luminor Financial Holdings Limited
0.05
<0.01
4.00%
SG:S23
Singapura Finance Ltd
0.84
0.14
20.00%
SG:S35
Sing Investments & Finance Limited
1.63
0.61
59.18%
SG:S41
Hong Leong Finance Limited
2.58
0.13
5.31%
SG:YF8
Yangzijiang Financial Holding Ltd.
0.27
-0.05
-15.89%
Credit Bureau Asia Limited Corporate Events
Credit Bureau Asia to Form Joint Venture with Credit Bureau Singapore
Nov 26, 2025
Credit Bureau Asia Limited is in talks with Credit Bureau Singapore to create a joint venture aimed at establishing a third-party risk management central utility bureau in Singapore. This initiative is expected to enhance the support for financial...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.