Credit Bureau Asia Limited (TCU) AI Stock Analysis

• Market Cap: S$287.99M
• Dividend Yield: 3.13%
• Average Volume (3M): 103.59K
• Price to Earnings (P/E): 26.7
• Beta (1Y): 0.11
• Revenue Growth: 5.17%
• EPS Growth: -2.09%
• Country: SG
• Employees: 185
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Data & Stock Exchanges
• EPS (TTM): 0.02
• Shares Outstanding: 230,390,000
• 10 Day Avg. Volume: 40,240
• 30 Day Avg. Volume: 103,586
• PEG Ratio: 1.69
• Price to Book (P/B): 5.25
• Price to Sales (P/S): 4.55
• P/FCF Ratio: 9.50
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 0.07
• Revenue Forecast (FY): S$86.35M

• Rating: 66 Neutral
• Price Target: S$1.50 ▲(18.11% Upside)

Credit Bureau Asia Limited's strong financial performance is the most significant factor, contributing positively to the overall score. However, the technical analysis indicates a lack of bullish momentum, and the high P/E ratio suggests potential overvaluation, which dampens the overall score. The absence of earnings call data and corporate events means these factors do not influence the score.

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 the financial services sector, focusing on credit scoring, data analytics, and identity verification. TCU's core products include credit reports, credit scoring services, and fraud detection solutions, which help clients make informed lending decisions and manage credit risk effectively.

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 to lenders, as well as subscription fees for ongoing access to its database of credit information. Additionally, TCU may offer customized risk management solutions and consultancy services for an extra fee. Significant partnerships with financial institutions and businesses also contribute to its revenue, as these collaborations often result in bulk service agreements or long-term contracts that ensure a steady stream of income. Furthermore, TCU may engage in data monetization, where it leverages its extensive database to provide insights and analytics to clients for strategic decision-making.

Credit Bureau Asia Limited Financial Statement Overview

Summary

Income Statement

Balance Sheet

Cash Flow

Breakdown	Dec 2024	Dec 2024	Dec 2023	Dec 2023	Dec 2022
Income Statement
Total Revenue	―	59.71M	―	54.17M	―
Gross Profit	―	47.31M	―	42.42M	―
EBITDA	―	35.48M	―	31.21M	―
Net Income	―	11.24M	―	9.84M	―
Balance Sheet
Total Assets	―	103.49M	―	93.72M	―
Cash, Cash Equivalents and Short-Term Investments	―	67.99M	―	61.01M	―
Total Debt	―	6.09M	―	3.28M	―
Total Liabilities	―	30.80M	―	25.69M	―
Stockholders Equity	―	51.76M	―	49.52M	―
Cash Flow
Free Cash Flow	―	28.62M	―	24.86M	―
Operating Cash Flow	―	30.21M	―	26.12M	―
Investing Cash Flow	―	3.90M	―	16.88M	―
Financing Cash Flow	―	-22.92M	―	-20.70M	―

Credit Bureau Asia Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 1.27
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: 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 below the 20-day moving average (MA) of 1.28, below the 50-day MA of 1.28, and below the 200-day MA of 1.32, indicating a bearish trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 39.38 is Neutral, neither overbought nor oversold. The STOCH value of 33.33 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
S41	71 Outperform	S$1.18B	14.15	4.02%	4.87%	-10.51%	-15.79%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
TCU	66 Neutral	S$287.99M	26.71	20.94%	3.13%	5.17%	-2.09%
HKB	58 Neutral	S$1.44B	22.13	―	―	―	―

Credit Bureau Asia Limited Corporate Events

Credit Bureau Asia to Form Joint Venture with Credit Bureau Singapore

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 institutions and other entities in the region, with funding sourced from existing cash reserves, indicating a strategic move to strengthen its market position.

The most recent analyst rating on (SG:TCU) stock is a Hold with a S$1.30 price target. To see the full list of analyst forecasts on Credit Bureau Asia Limited stock, see the SG:TCU Stock Forecast page.