Credit Bureau Asia Limited (SGX:TCU)

Credit Bureau Asia Financials Overview

Financials in millions SGD. Fiscal year is January - December.

Revenue & Profits

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Revenue Revenue Growth	60.92	60.11	59.71	54.17	48.62	45.38
Revenue Growth	1.33%	0.68%	10.22%	11.42%	7.13%	4.61%
Gross Profit Gross Profit Growth	45.85	45.45	45.17	40.27	36	33.36
Operating Income Operating Income Growth	29.12	28.51	27.92	24.1	21.21	20.5
Net Income Net Income Growth	10.82	10.74	11.24	9.84	8.4	7.84
Earnings Per Share EPS Growth	0.05	0.05	0.05	0.04	0.04	0.03
EPS Growth	1.07%	-4.13%	14.20%	17.10%	7.24%	1.27%

Revenue by Segment

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Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Financial Institution Data Financial Institution Data Growth	27.97	27.15	24.68	21.71	19.92
Non-Financial Institution Data Non-Financial Institution Data Growth	32.15	32.55	29.49	26.91	25.46
Total Total Growth	60.11	59.71	54.17	48.62	45.38

Cash & Debt

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Investments Cash & Investments Growth	49.57	46.5	67	57.75	35.08	54.08
Total Debt Total Debt Growth	4.68	5.24	6.09	3.28	4.26	4.79
Net Cash (Debt) Net Cash Growth	44.89	41.26	60.91	54.47	30.82	49.28
Net Cash Growth	8.80%	-32.26%	11.82%	76.72%	-37.46%	-0.99%
Net Cash Per Share Net Cash Per Share Growth	0.20	0.18	0.26	0.24	0.13	0.21

Cash Flow & CapEx

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Cash Flow Operating Cash Flow Growth	29.39	28.77	30.21	26.12	22.81	19.95
Capital Expenditures CapEx Growth	-0.9	-0.75	-1.05	-0.85	-2.5	-2.06
Free Cash Flow Free Cash Flow Growth	28.49	28.02	29.17	25.26	20.31	17.89
Free Cash Flow Growth	1.67%	-3.92%	15.45%	24.39%	13.54%	-9.13%

Margins

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Gross Margin	75.27%	75.61%	75.65%	74.34%	74.05%	73.52%
Operating Margin	47.80%	47.43%	46.76%	44.49%	43.64%	45.17%
Pretax Margin	50.61%	50.28%	51.15%	49.26%	47.00%	47.81%
Profit Margin	17.77%	17.87%	18.82%	18.17%	17.29%	17.27%
FCF Margin	46.77%	46.62%	48.85%	46.64%	41.78%	39.42%

Dividends

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Oct 25, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share Dividend Per Share Growth	0.044	0.042	0.040	0.037	0.034	0.034
Dividend Per Share Growth	235.00%	5.00%	8.11%	8.82%	0%	61.91%
Dividend Yield	4.36%	3.23%	3.39%	4.02%	3.68%	3.18%

Valuation

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Oct 25, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
PE Ratio	21.37	27.80	24.19	21.54	25.36	31.46
Forward PE	-	24.44	24.38	21.91	24.67	23.52
P/FCF Ratio	8.13	10.66	9.32	8.39	10.49	13.78
PS Ratio	3.80	4.97	4.55	3.91	4.38	5.43

Data Source: S&P Global Market Intelligence Last updated: Aug 6, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every six months for this company.

Update frequency:

Semi-annually

Last checked:

Oct 23, 2026

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