Credit Bureau Asia Limited (TCU) AI Stock Analysis

• Market Cap: S$292.60M
• Dividend Yield: N/A
• Average Volume (3M): 103.59K
• Price to Earnings (P/E): 27.1
• 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 ▲(15.38% 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, an investment holding company, provides credit and risk information solutions in Singapore, Malaysia, Cambodia, and Myanmar. It operates through two segments: Financial Institution Data and Non-Financial Institution Data segments. The Financial Institution Data segment offers access to credit information on individual consumers or registered business entities, which are generated from up-to-date credit information contributed by subscribing members; and credit scoring, data analytics, credit monitoring services, and client-specific tailored solutions. The Non-Financial Institution Data segment offers a range of business information and risk management services, sales and marketing solutions, commercial insights, and other services. It also provides litigation and other databases; consulting and related services; portfolio and litigation monitoring and membership subscription; credit information services and receivables management services; and software consultancy and data processing services. The company serves financial institutions, multinational corporations, telecommunication companies, government bodies and public agencies, local enterprises, and individuals. Credit Bureau Asia Limited was founded in 1993 and is based in Singapore.

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: 1.30
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• 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 1.3 is above the 20-day moving average (MA) of 1.28, below the 50-day MA of 1.31, and below the 200-day MA of 1.31, indicating a bearish trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 46.25 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
S41	72 Outperform	S$1.17B	13.99	4.02%	4.89%	-10.51%	-15.79%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
TCU	66 Neutral	S$292.60M	27.14	20.94%	―	5.17%	-2.09%
HKB	58 Neutral	S$1.44B	22.83	―	―	―	―