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Credit Bureau Asia Limited (SG:TCU)
SGX:TCU
Singapore Market
TCU
Credit Bureau Asia Limited
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Credit Bureau Asia Limited (TCU) Ratios

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Credit Bureau Asia Limited Ratios

SG:TCU's free cash flow for Q2 2026 was S$0.58. For the 2026 fiscal year, SG:TCU's free cash flow was decreased by S$ and operating cash flow was S$0.49. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 2.29 2.99 2.92 2.92 2.73
Quick Ratio
 2.29 2.99 2.92 2.92 2.73
Cash Ratio
 1.48 1.48 2.57 2.42 1.55
Solvency Ratio
 0.52 0.51 0.52 0.55 0.52
Operating Cash Flow Ratio
 1.15 1.08 1.16 1.10 1.02
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
S$ 30.93MS$ 49.17MS$ 45.33MS$ 43.50MS$ 37.19M
Leverage Ratios
Debt-to-Assets Ratio
 0.06 0.05 0.06 0.03 0.04
Debt-to-Equity Ratio
 0.15 0.10 0.12 0.07 0.07
Debt-to-Capital Ratio
 0.13 0.09 0.11 0.06 0.07
Long-Term Debt-to-Capital Ratio
 0.00 0.00 0.00 0.00 0.00
Financial Leverage Ratio
 2.67 2.01 2.00 1.89 1.85
Debt Service Coverage Ratio
 106.84 87.16 152.92 208.11 119.65
Interest Coverage Ratio
 109.16 88.88 139.85 187.17 105.95
Debt to Market Cap
 0.00 0.00 0.00 0.00 0.00
Interest Debt Per Share
 0.02 0.02 0.03 0.01 0.02
Net Debt to EBITDA
 -1.03 -1.05 -1.72 -1.73 -1.14
Profitability Margins
Gross Profit Margin
57.51%57.61%79.23%78.30%78.04%
EBIT Margin
47.26%46.50%51.48%49.49%47.41%
EBITDA Margin
54.97%54.18%59.43%57.61%56.20%
Operating Profit Margin
47.26%46.50%46.59%44.07%43.27%
Pretax Profit Margin
50.61%50.28%51.15%49.26%47.00%
Net Profit Margin
17.77%17.87%18.82%18.17%17.29%
Continuous Operations Profit Margin
41.90%41.70%42.67%40.64%39.67%
Net Income Per EBT
35.11%35.54%36.80%36.88%36.78%
EBT Per EBIT
107.08%108.13%109.78%111.78%108.64%
Return on Assets (ROA)
12.84%10.25%10.86%10.50%9.53%
Return on Equity (ROE)
25.87%20.61%21.71%19.88%17.68%
Return on Capital Employed (ROCE)
49.90%35.75%35.92%34.10%32.01%
Return on Invested Capital (ROIC)
39.82%28.79%29.20%27.38%26.16%
Return on Tangible Assets
14.58%11.32%12.04%11.81%10.86%
Earnings Yield
4.58%3.60%4.13%4.69%3.94%
Efficiency Ratios
Receivables Turnover
 9.37 9.63 8.75 7.98 8.18
Payables Turnover
 4.60 43.75 19.23 17.25 14.17
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 8.81 7.70 6.45 7.06 6.07
Asset Turnover
 0.72 0.57 0.58 0.58 0.55
Working Capital Turnover Ratio
 1.40 1.17 1.25 1.28 1.20
Cash Conversion Cycle
 -40.35 29.54 22.73 24.60 18.86
Days of Sales Outstanding
 38.97 37.89 41.72 45.75 44.62
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 79.32 8.34 18.98 21.15 25.76
Operating Cycle
 38.97 37.89 41.72 45.75 44.62
Cash Flow Ratios
Operating Cash Flow Per Share
 0.13 0.13 0.13 0.11 0.10
Free Cash Flow Per Share
 0.13 0.12 0.12 0.11 0.09
CapEx Per Share
 <0.01 <0.01 <0.01 <0.01 0.01
Free Cash Flow to Operating Cash Flow
 0.97 0.95 0.95 0.95 0.87
Dividend Paid and CapEx Coverage Ratio
 1.30 1.25 1.36 1.38 1.21
Capital Expenditure Coverage Ratio
 34.06 18.37 18.96 20.71 7.87
Operating Cash Flow Coverage Ratio
 6.55 5.50 4.96 7.97 6.42
Operating Cash Flow to Sales Ratio
 0.50 0.48 0.51 0.48 0.47
Free Cash Flow Yield
12.58%9.11%10.53%11.86%9.34%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 21.82 27.78 24.18 21.30 25.36
Price-to-Sales (P/S) Ratio
 3.88 4.97 4.55 3.87 4.38
Price-to-Book (P/B) Ratio
 7.49 5.73 5.25 4.23 4.48
Price-to-Free Cash Flow (P/FCF) Ratio
 7.95 10.97 9.50 8.43 10.70
Price-to-Operating Cash Flow Ratio
 7.71 10.38 9.00 8.03 9.34
Price-to-Earnings Growth (PEG) Ratio
 0.22 -6.78 1.69 1.25 3.45
Enterprise Value Multiple
 6.02 8.12 5.95 4.99 6.66
Enterprise Value
 201.68M 264.50M 210.95M 155.59M 181.97M
EV to EBITDA
 6.02 8.12 5.95 4.99 6.66
EV to Sales
 3.31 4.40 3.53 2.87 3.74
EV to Free Cash Flow
 6.78 9.72 7.37 6.26 9.14
EV to Operating Cash Flow
 6.58 9.19 6.98 5.96 7.98
Tangible Book Value Per Share
 0.19 0.28 0.27 0.25 0.23
Shareholders’ Equity Per Share
 0.14 0.23 0.22 0.21 0.21
Tax and Other Ratios
Effective Tax Rate
 0.17 0.17 0.17 0.17 0.16
Revenue Per Share
 0.27 0.26 0.26 0.24 0.21
Net Income Per Share
 0.05 0.05 0.05 0.04 0.04
Tax Burden
 0.35 0.36 0.37 0.37 0.37
Interest Burden
 1.07 1.08 0.99 1.00 0.99
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.10 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
 2.83 0.95 0.99 0.98 1.00
Currency in SGD