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Credit Bureau Asia Limited (TCU) Ratios
Credit Bureau Asia Limited Ratios
SG:TCU's free cash flow for Q2 2026 was $14.90M. For the 2026 fiscal year, SG:TCU's free cash flow was decreased by $-341.11K and operating cash flow was $15.24M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 2.99 | 2.92 | 2.92 | 2.73 | 3.26 |
| Quick Ratio | 2.99 | 2.92 | 2.92 | 2.73 | 3.26 |
| Cash Ratio | 1.48 | 2.57 | 2.42 | 1.55 | 2.86 |
| Solvency Ratio | 0.51 | 0.52 | 0.55 | 0.52 | 0.56 |
| Operating Cash Flow Ratio | 1.08 | 1.16 | 1.10 | 1.02 | 1.07 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ 49.17M | $ 45.33M | $ 43.50M | $ 37.19M | $ 39.32M |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.05 | 0.06 | 0.03 | 0.04 | 0.05 |
| Debt-to-Equity Ratio | 0.10 | 0.12 | 0.07 | 0.07 | 0.09 |
| Debt-to-Capital Ratio | 0.09 | 0.11 | 0.06 | 0.07 | 0.08 |
| Long-Term Debt-to-Capital Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Financial Leverage Ratio | 2.01 | 2.00 | 1.89 | 1.85 | 1.79 |
| Debt Service Coverage Ratio | 87.16 | 152.92 | 208.11 | 119.65 | 149.71 |
| Interest Coverage Ratio | 88.88 | 139.85 | 187.17 | 105.95 | 136.43 |
| Debt to Market Cap | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Debt Per Share | 0.02 | 0.03 | 0.01 | 0.02 | 0.02 |
| Net Debt to EBITDA | -1.05 | -1.72 | -1.73 | -1.14 | -1.89 |
| Profitability Margins | |||||
| Gross Profit Margin | 57.61% | 79.23% | 78.30% | 78.04% | 77.37% |
| EBIT Margin | 46.50% | 51.48% | 49.49% | 47.41% | 48.15% |
| EBITDA Margin | 54.18% | 59.43% | 57.61% | 56.20% | 57.66% |
| Operating Profit Margin | 46.50% | 46.59% | 44.07% | 43.27% | 45.23% |
| Pretax Profit Margin | 50.28% | 51.15% | 49.26% | 47.00% | 47.81% |
| Net Profit Margin | 17.87% | 18.82% | 18.17% | 17.29% | 17.27% |
| Continuous Operations Profit Margin | 41.70% | 42.67% | 40.64% | 39.67% | 39.79% |
| Net Income Per EBT | 35.54% | 36.80% | 36.88% | 36.78% | 36.12% |
| EBT Per EBIT | 108.13% | 109.78% | 111.78% | 108.64% | 105.71% |
| Return on Assets (ROA) | 10.25% | 10.86% | 10.50% | 9.53% | 9.24% |
| Return on Equity (ROE) | 20.61% | 21.71% | 19.88% | 17.68% | 16.57% |
| Return on Capital Employed (ROCE) | 35.75% | 35.92% | 34.10% | 32.01% | 31.04% |
| Return on Invested Capital (ROIC) | 28.79% | 29.20% | 27.38% | 26.16% | 25.16% |
| Return on Tangible Assets | 11.32% | 12.04% | 11.81% | 10.86% | 10.66% |
| Earnings Yield | 3.60% | 4.13% | 4.69% | 3.94% | 3.18% |
| Efficiency Ratios | |||||
| Receivables Turnover | 9.63 | 8.75 | 7.98 | 8.18 | 7.47 |
| Payables Turnover | 43.75 | 19.23 | 17.25 | 14.17 | 19.05 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 7.70 | 6.45 | 7.06 | 6.07 | 6.55 |
| Asset Turnover | 0.57 | 0.58 | 0.58 | 0.55 | 0.54 |
| Working Capital Turnover Ratio | 1.17 | 1.25 | 1.28 | 1.20 | 0.00 |
| Cash Conversion Cycle | 29.54 | 22.73 | 24.60 | 18.86 | 29.68 |
| Days of Sales Outstanding | 37.89 | 41.72 | 45.75 | 44.62 | 48.84 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 8.34 | 18.98 | 21.15 | 25.76 | 19.16 |
| Operating Cycle | 37.89 | 41.72 | 45.75 | 44.62 | 48.84 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 0.13 | 0.13 | 0.11 | 0.10 | 0.09 |
| Free Cash Flow Per Share | 0.12 | 0.12 | 0.11 | 0.09 | 0.07 |
| Dividend Paid and CapEx Coverage Ratio | 1.25 | 1.36 | 1.38 | 1.21 | 1.13 |
| Capital Expenditure Coverage Ratio | 18.37 | 18.96 | 20.71 | 7.87 | 6.38 |
| Operating Cash Flow Coverage Ratio | 5.50 | 4.96 | 7.97 | 6.42 | 4.88 |
| Operating Cash Flow to Sales Ratio | 0.48 | 0.51 | 0.48 | 0.47 | 0.44 |
| Free Cash Flow Yield | 9.11% | 10.53% | 11.86% | 9.34% | 6.82% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 27.78 | 24.18 | 21.30 | 25.36 | 31.46 |
| Price-to-Sales (P/S) Ratio | 4.97 | 4.55 | 3.87 | 4.38 | 5.43 |
| Price-to-Book (P/B) Ratio | 5.73 | 5.25 | 4.23 | 4.48 | 5.21 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 10.97 | 9.50 | 8.43 | 10.70 | 14.65 |
| Price-to-Operating Cash Flow Ratio | 10.38 | 9.00 | 8.03 | 9.34 | 12.36 |
| Price-to-Earnings Growth (PEG) Ratio | -6.78 | 1.69 | 1.25 | 3.45 | 0.00 |
| Enterprise Value Multiple | 8.12 | 5.95 | 4.99 | 6.66 | 7.53 |
| Enterprise Value | 264.50M | 210.95M | 155.59M | 181.97M | 197.14M |
| EV to EBITDA | 8.12 | 5.95 | 4.99 | 6.66 | 7.53 |
| EV to Sales | 4.40 | 3.53 | 2.87 | 3.74 | 4.34 |
| EV to Free Cash Flow | 9.72 | 7.37 | 6.26 | 9.14 | 11.72 |
| EV to Operating Cash Flow | 9.19 | 6.98 | 5.96 | 7.98 | 9.88 |
| Tangible Book Value Per Share | 0.28 | 0.27 | 0.25 | 0.23 | 0.23 |
| Shareholders’ Equity Per Share | 0.23 | 0.22 | 0.21 | 0.21 | 0.21 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.17 | 0.17 | 0.17 | 0.16 | 0.17 |
| Revenue Per Share | 0.26 | 0.26 | 0.24 | 0.21 | 0.20 |
| Net Income Per Share | 0.05 | 0.05 | 0.04 | 0.04 | 0.03 |
| Tax Burden | 0.36 | 0.37 | 0.37 | 0.37 | 0.36 |
| Interest Burden | 1.08 | 0.99 | 1.00 | 0.99 | 0.99 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 0.95 | 0.99 | 0.98 | 1.00 | 0.92 |
Currency in SGD
