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Credit Bureau Asia Limited (TCU) AI Stock Analysis
Credit Bureau Asia Limited
(SGX:TCU)
The overall score is driven primarily by the company’s strong financial position, combining profitable growth, low leverage, and robust cash generation, supported by an attractive valuation with a high dividend yield at a moderate P/E, while near-term technical signals reflect weak momentum and an oversold, low-volatility setup that slightly weighs on the score.
Credit Bureau Asia Limited (TCU) vs. iShares MSCI Singapore ETF (EWS)
- Market Cap
- SGD 228.24M
- Dividend Yield
- 13.47%
- Average Volume (3M)
- 35.65K
- Price to Earnings (P/E)
- 21.1
- Beta (1Y)
- 0.13
- Revenue Growth
- 0.94%
- EPS Growth
- 0.85%
- Country
- Singapore
- Employees
- 189
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Financial - Data & Stock Exchanges
Credit Bureau Asia Limited Business Overview & Revenue Model
Company Description
Credit Bureau Asia Limited (CBA), a Singapore-headquartered investment holding company established in 1993, delivers comprehensive credit and risk information solutions across Singapore, Malaysia, Cambodia, and Myanmar. The company's operations are d...
How the Company Makes Money
Credit Bureau Asia Limited (TCU) generates revenue primarily by providing credit information and related services to institutional customers, especially lenders and other organizations that require credit risk assessment and monitoring. Its key reven...
Credit Bureau Asia Limited Financial Statement Overview
Summary
Credit Bureau Asia shows profitable, cash-generative growth with low leverage and strong returns on equity, though recent margin compression and a slowdown in free cash flow growth temper the otherwise solid financial profile.
Income Statement
78PositiveBalance Sheet
82Very PositiveCash Flow
74Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 60.92M | 60.11M | 59.71M | 54.17M | 48.62M | 45.38M |
| Gross Profit | 35.03M | 34.63M | 47.31M | 42.42M | 37.94M | 35.11M |
| EBITDA | 33.48M | 32.57M | 35.48M | 31.21M | 27.32M | 26.16M |
| Net Income | 10.82M | 10.74M | 11.24M | 9.84M | 8.40M | 7.84M |
Balance Sheet | ||||||
| Total Assets | 84.31M | 104.78M | 103.49M | 93.72M | 88.15M | 84.81M |
| Cash, Cash Equivalents and Short-Term Investments | 51.79M | 71.15M | 67.99M | 61.01M | 54.10M | 53.46M |
| Total Debt | 4.68M | 5.24M | 6.09M | 3.28M | 3.55M | 4.08M |
| Total Liabilities | 29.89M | 30.40M | 30.80M | 25.69M | 24.16M | 21.52M |
| Stockholders Equity | 31.56M | 52.12M | 51.76M | 49.52M | 47.54M | 47.28M |
Cash Flow | ||||||
| Free Cash Flow | 29.73M | 27.21M | 28.62M | 24.86M | 19.91M | 16.82M |
| Operating Cash Flow | 30.63M | 28.77M | 30.21M | 26.12M | 22.81M | 19.95M |
| Investing Cash Flow | -8.26M | -27.74M | 3.90M | 16.88M | -23.56M | -1.79M |
| Financing Cash Flow | -47.31M | -25.11M | -22.92M | -20.70M | -18.61M | -17.82M |
Credit Bureau Asia Limited Technical Analysis
Price Trends
Market Momentum
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 0.99 is below the 20-day moving average (MA) of 1.02, below the 50-day MA of 1.06, and below the 200-day MA of 1.10, indicating a bearish trend. The MACD of -0.02 indicates Positive momentum. The RSI at 33.79 is Neutral, neither overbought nor oversold. The STOCH value of 18.10 is Positive, 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
Overall Rating
- SG:TCU75.6Outperform
SG:YF858Neutral
SG:S4149Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| SG:TCU | 76Outperform | SGD 229.24M | 21.08 | 25.87% | 13.47% | 0.94% | 0.85% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| SG:YF8 | 58Neutral | SGD 748.30M | -5.08 | -5.81% | 16.05% | -73.51% | -131.35% |
| SG:S41 | 49Neutral | SGD 1.08B | 10.97 | 3.09% | 3.77% | -27.48% | -21.92% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| SG:TCU | Credit Bureau Asia Limited | 0.99 | -0.17 | -14.88% | |
| SG:5UA | Luminor Financial Holdings Limited | 0.03 | -0.03 | -49.06% | |
| SG:S23 | Singapura Finance Ltd | 0.76 | 0.01 | 1.07% | |
| SG:S35 | Sing Investments & Finance Limited | 1.48 | -0.07 | -4.52% | |
| SG:S41 | Hong Leong Finance Limited | 2.39 | -0.15 | -5.83% | |
| SG:YF8 | Yangzijiang Financial Holding Ltd. | 0.21 | -0.27 | -56.03% |
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Oct 01, 2026