CREDIT BUREAU ASIA LIMITED (TCU) Fair Value & Analysis
Financial Services · SG · Market cap 259M SGD
Fair value as of: Aug 13, 2026
From 11 valuation models · updated 5 days ago
Share price −4.5% over the past month.
A strong business, but screening 43% overvalued on our models.
What matters now
- A high-quality business (quality 84/100), yet the market already pays well above fair value. Quality at a full price, with little margin of safety.
- The price sits above even our optimistic bull case (0.8800 SGD). The favourable scenario is already priced in.
- A fairly wide model range (0.4600 SGD to 0.8800 SGD) leaves room in how you read the outcome.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range 0.7445 SGD – 1.28 SGD · fair‑value band 0.4600 SGD – 0.8800 SGD · the 1.07 SGD price screens above the 0.6100 SGD fair value. Dashed = 300-day average. As of Aug 13, 2026.
Analysis
CREDIT BUREAU ASIA LIMITED (TCU) currently trades at 1.07 SGD, while our model-based Fair Value estimate is 0.6100 SGD, implying the stock looks roughly 43.0% overvalued today. The Quality Score stands at 84/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: medium).
Over the trailing twelve months, CREDIT BUREAU ASIA LIMITED generated revenue of 60.1M SGD at a net margin of 17.9%. Revenue declined 0.8% year over year. It earns a return on equity of 34.1%. The stock trades on a trailing P/E of 21.4. Fundamentals as of Aug 13, 2026
Our scenario range runs from 0.4600 SGD (bear case) to 0.8800 SGD (bull case); at 1.07 SGD, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 17% below its 52-week high, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -53% fair-value upside, at -43%, TCU screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 11 models by family
Widest divergence: DCF Models (1.11 SGD) versus Asset-Based (0.1500 SGD). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 80 · Market factors (momentum, volatility) 44
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Credit Bureau Asia Limited, an investment holding company, provides credit and risk information solutions in Singapore, Malaysia, Cambodia, and Myanmar. It operates through two segments: Financial Institution Data and Non-Financial Institution Data segments.
Full company description
Credit Bureau Asia Limited, an investment holding company, provides credit and risk information solutions in Singapore, Malaysia, Cambodia, and Myanmar. It operates through two segments: Financial Institution Data and Non-Financial Institution Data segments. The Financial Institution Data segment offers access to credit information on individual consumers or registered business entities, which are generated from up-to-date credit information contributed by subscribing members; and credit scoring, data analytics, credit monitoring services, and client-specific tailored solutions. The Non-Financial Institution Data segment offers a range of business information and risk management services, sales and marketing solutions, commercial insights, and other services. It also provides litigation and other databases; consulting and related services; portfolio and litigation monitoring and membership subscription; credit information services and receivables management services; and software consultancy and data processing services. The company serves financial institutions, multinational corporations, telecommunication companies, government bodies and public agencies, local enterprises, and individuals. Credit Bureau Asia Limited was founded in 1993 and is based in Singapore.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
CREDIT BUREAU ASIA LIMITED reported revenue of 60.1M SGD in FY2025 versus 45.4M SGD in FY2021, a compound +7.3%/yr. Reported net income was 10.7M SGD in FY2025, compounding +8.2%/yr from FY2021.
TCU screens 43% overvalued. Compare with S&P Global Inc →
Peer Group
Financial Data & Stock Exchanges · 53 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Financial Data & Stock Exchanges median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Financial Data & Stock Exchanges stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| S&P Global Inc SPGI | $410.10 | $196.36 | -52% |
| CME Group CME | $262.17 | $145.51 | -44% |
| Moody's Corporation MCO | $477.84 | $192.63 | -60% |
| Intercontinental Exchange, Inc ICE | $151.33 | $75.95 | -50% |
| Hong Kong Exchanges and Clearing Limited 0388 | HK$408.20 | HK$182.59 | -55% |
| Deutsche Börse AG DB1 | €271.80 | €142.42 | -48% |
| Nasdaq, Inc NDAQ | $95.66 | $41.12 | -57% |
| MSCI Inc MSCI | $563.01 | $214.91 | -62% |
| Coinbase Global, Inc COIN | $149.04 | $57.05 | -62% |
| Cboe Global Markets, Inc CBOE | $290.98 | $136.64 | -53% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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