Credit Bureau Asia Limited (TCU) Fair Value & Analysis
Financial Services · SG · Market cap 259M SGD
Fair value as of: Jul 4, 2026
From 24 valuation models · updated yesterday
Share price −0.9% over the past month.
Price vs Fair Value (12 months)
12‑month range 1.11 SGD – 1.28 SGD · fair‑value band 0.4600 SGD – 0.8800 SGD · the 1.13 SGD price screens above the 0.6100 SGD fair value. As of Jul 4, 2026.
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Credit Bureau Asia Limited (TCU) currently trades at 1.13 SGD, while our model-based Fair Value estimate is 0.6100 SGD — implying the stock looks roughly 46.0% overvalued today. We read business quality at 71/100 (solid 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 22.6. Fundamentals as of Jul 4, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 4, 2026. TTM = trailing twelve months.
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. 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 …
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.
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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.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.