Credit Bureau Asia Limited (SGX:TCU)

Credit Bureau Asia Statistics

Total Valuation

SGX:TCU has a market cap or net worth of SGD 303.78 million. The enterprise value is 265.16 million.

Market Cap	303.78M
Enterprise Value	265.16M

Important Dates

The last earnings date was Tuesday, August 5, 2025.

Earnings Date	Aug 5, 2025
Ex-Dividend Date	Aug 14, 2025

Share Statistics

SGX:TCU has 230.13 million shares outstanding. The number of shares has increased by 0.26% in one year.

Current Share Class	230.13M
Shares Outstanding	230.13M
Shares Change (YoY)	+0.26%
Shares Change (QoQ)	+0.36%
Owned by Insiders (%)	71.58%
Owned by Institutions (%)	5.70%
Float	65.39M

Valuation Ratios

The trailing PE ratio is 28.27.

PE Ratio	28.27
Forward PE	n/a
PS Ratio	5.02
PB Ratio	4.09
P/TBV Ratio	7.26
P/FCF Ratio	10.56
P/OCF Ratio	10.35
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 8.02, with an EV/FCF ratio of 9.22.

EV / Earnings	24.63
EV / Sales	4.38
EV / EBITDA	8.02
EV / EBIT	9.20
EV / FCF	9.22

Financial Position

The company has a current ratio of 3.02, with a Debt / Equity ratio of 0.09.

Current Ratio	3.02
Quick Ratio	2.86
Debt / Equity	0.09
Debt / EBITDA	0.20
Debt / FCF	0.23
Interest Coverage	96.86

Financial Efficiency

Return on equity (ROE) is 34.67% and return on invested capital (ROIC) is 22.46%.

Return on Equity (ROE)	34.67%
Return on Assets (ROA)	17.20%
Return on Invested Capital (ROIC)	22.46%
Return on Capital Employed (ROCE)	35.30%
Revenue Per Employee	327,004
Profits Per Employee	58,197
Employee Count	185
Asset Turnover	0.60
Inventory Turnover	n/a

Taxes

In the past 12 months, SGX:TCU has paid 4.94 million in taxes.

Income Tax	4.94M
Effective Tax Rate	16.45%

Stock Price Statistics

The stock price has increased by +46.67% in the last 52 weeks. The beta is -0.06, so SGX:TCU's price volatility has been lower than the market average.

Beta (5Y)	-0.06
52-Week Price Change	+46.67%
50-Day Moving Average	1.36
200-Day Moving Average	1.27
Relative Strength Index (RSI)	42.54
Average Volume (20 Days)	58,555

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, SGX:TCU had revenue of SGD 60.50 million and earned 10.77 million in profits. Earnings per share was 0.05.

Revenue	60.50M
Gross Profit	45.69M
Operating Income	27.87M
Pretax Income	30.05M
Net Income	10.77M
EBITDA	29.79M
EBIT	27.87M
Earnings Per Share (EPS)	0.05

Balance Sheet

The company has 67.27 million in cash and 6.52 million in debt, giving a net cash position of 60.75 million or 0.26 per share.

Cash & Cash Equivalents	67.27M
Total Debt	6.52M
Net Cash	60.75M
Net Cash Per Share	0.26
Equity (Book Value)	74.25M
Book Value Per Share	0.23
Working Capital	52.79M

Cash Flow

In the last 12 months, operating cash flow was 29.36 million and capital expenditures -601,169, giving a free cash flow of 28.76 million.

Operating Cash Flow	29.36M
Capital Expenditures	-601,169
Free Cash Flow	28.76M
FCF Per Share	0.12

Margins

Gross margin is 75.52%, with operating and profit margins of 46.08% and 17.80%.

Gross Margin	75.52%
Operating Margin	46.08%
Pretax Margin	49.67%
Profit Margin	17.80%
EBITDA Margin	49.24%
EBIT Margin	46.08%
FCF Margin	47.54%

Dividends & Yields

This stock pays an annual dividend of 0.04, which amounts to a dividend yield of 3.03%.

Dividend Per Share	0.04
Dividend Yield	3.03%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	1
Payout Ratio	165.41%
Buyback Yield	-0.26%
Shareholder Yield	2.64%
Earnings Yield	3.54%
FCF Yield	9.47%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	4