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CTOS Digital Bhd (5301.KL)
Kuala Lumpur, MY
CTOS Digital Berhad functions as an investment holding company, delivering specialized credit reporting and digital software solutions across Malaysia and Thailand. The company provides a range of credit information services, including the sale of reports, continuous monitoring, and trade referencing capabilities. It also licenses its software products and offers comprehensive installation and ongoing maintenance support to a diverse clientele, encompassing major corporations, other businesses, and individual consumers. Furthermore, CTOS offers in-depth commercial credit analyses and large-scale commercial data services. Its advanced digital offerings include electronic Know-Your-Customer (eKYC) solutions, tools for application processing and decision-making, fraud prevention mechanisms, and portfolio review services. Beyond these core services, the company engages in software development, outsourcing, and training. It also manages debt collection and database administration, alongside a broad spectrum of information and advisory services such as business intelligence, credit bureau operations, market list generation, market research, industry studies, and related consultancy. CTOS caters to a wide array of clients, specifically financial institutions, telecommunications providers, insurance companies, e-commerce platforms, small and medium-sized enterprises (SMEs), and individual customers. Founded in 1990, CTOS Digital Berhad maintains its headquarters in Kuala Lumpur, Malaysia.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.82% | -6.11% | -13.38% | -22.15% | -25.00% | -23.60% | -37.24% | -56.07% | -62.04% | -62.04% | -62.04% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 5 | 0 |
| Hold | 3 | -1 |
| Sell | 0 | 0 |
| Strong Sell | 0 | -1 |
-
Revenue growth Software - Application: +13.0%+7.0% Q1'26: +7.3% (vs Q1'25)
-
EPS growth Software - Application: +28.6%-0.9% Q1'26: +35.0% (vs Q1'25)
-
FCF margin FCF growth · Software - Application: +45.3%+21.1% Q1'26: +33.6% (vs Q1'25)
-
EBIT margin Software - Application: +9.4%+20.8% ★ Q1'26: +19.3% (vs Q1'25)
-
ROIC Software - Application: +7.5%+9.2% ★ Q1'26: +8.6% (vs Q1'25)
-
Share dilution Software - Application: +0.0%-0.3% ★ Q1'26: -1.5% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Software - Application: -1.16×1.51× Q1'26: 1.28× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 6 Rev. Ana. 5 EPS Ana. |
Dec 2027 6 Rev. Ana. 6 EPS Ana. |
Dec 2028 2 Rev. Ana. 3 EPS Ana. |
|---|---|---|---|---|---|---|
| Revenue |
261.44M
est: 247.97M (+5.4%)
|
304.85M
est: 320.87M (-5.0%)
|
326.06M
est: 323.69M (+0.7%)
|
352.70M
339.48M – 364.90M
+9.0% YoY
|
385.82M
370.13M – 397.48M
+9.4% YoY
|
414.50M
398.28M – 427.89M
+7.4% YoY
|
| EBITDA |
125.48M
est: 111.55M (+12.5%)
|
138.84M
est: 136.85M (+1.5%)
|
82.15M
est: 138.05M (-40.5%)
|
150.42M
144.78M – 155.63M
+9.0% YoY
|
164.55M
157.86M – 169.52M
+9.4% YoY
|
176.78M
169.86M – 182.49M
+7.4% YoY
|
| EBIT |
115.04M
est: 99.44M (+15.7%)
|
122.43M
est: 121.59M (+0.7%)
|
67.70M
est: 122.65M (-44.8%)
|
133.65M
128.64M – 138.27M
+9.0% YoY
|
146.20M
140.25M – 150.62M
+9.4% YoY
|
157.06M
150.92M – 162.14M
+7.4% YoY
|
| Net Income |
118.11M
est: 106.37M (+11.0%)
|
106.27M
est: 109.94M (-3.3%)
|
104.86M
est: 93.63M (+12.0%)
|
95.61M
88.10M – 99.69M
+2.1% YoY
|
96.03M
79.76M – 133.65M
+0.4% YoY
|
108.66M
103.13M – 113.22M
+13.1% YoY
|
| SGA |
112.39M
est: 121.35M (-7.4%)
|
130.51M
est: 151.60M (-13.9%)
|
151.07M
est: 152.93M (-1.2%)
|
166.64M
160.39M – 172.40M
+9.0% YoY
|
182.28M
174.87M – 187.79M
+9.4% YoY
|
195.83M
188.17M – 202.16M
+7.4% YoY
|
| EPS |
0.05
est: 0.05 (+11.0%)
|
0.05
est: 0.05 (-3.7%)
|
0.05
est: 0.04 (+12.1%)
|
0.04
0.04 – 0.04
+2.1% YoY
|
0.04
0.03 – 0.06
+0.4% YoY
|
0.05
0.04 – 0.05
+13.1% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | A+ | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-28 | A+ | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-26 | A+ | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-25 | A+ | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-22 | A+ | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-21 | A+ | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-20 | A+ | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-19 | A+ | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-18 | A+ | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-15 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-14 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-13 | A+ | 5/5 | 5/5 | 5/5 | 5/5 | 3/5 | 4/5 | 3/5 |
| 2026-05-12 | A+ | 5/5 | 5/5 | 5/5 | 5/5 | 3/5 | 4/5 | 3/5 |
| 2026-05-11 | A+ | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 4/5 | 3/5 |
| 2026-05-08 | A+ | 5/5 | 5/5 | 4/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-05-07 | A+ | 5/5 | 5/5 | 4/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-05-06 | A+ | 5/5 | 5/5 | 4/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-05-05 | A+ | 5/5 | 5/5 | 4/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-05-04 | A+ | 5/5 | 5/5 | 4/5 | 5/5 | 3/5 | 4/5 | 4/5 |
| 2026-04-30 | A+ | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-29 | A+ | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-28 | A+ | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-27 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-24 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-23 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-22 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-21 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-20 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-17 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-16 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Avantis Emerging Markets Small Cap Equity ETF AVEE | 0.03% | 36.5K | 0.42% |
| 2 | Vanguard FTSE All-World ex-US Small-Cap ETF VSS | 0.01% | 976.6K | 0.06% |
| 3 | Vanguard FTSE Emerging Markets Shares ETF VGE.AX | 0.00% | 29.4K | 0.48% |
| 4 | Vanguard FTSE Emerging Markets All Cap Index ETF VEE.TO | 0.00% | 66.4K | 0.26% |
| 5 | Vanguard FTSE Emerging Markets ETF VWO | 0.00% | 3.28M | 0.06% |
| 6 | Avantis Emerging Markets ex-China Equity ETF AVXC | 0.00% | 7.9K | 0.33% |
| 7 | Vanguard ESG International Stock ETF VSGX | 0.00% | 44.6K | 0.10% |
| 8 | Vanguard Total International Stock ETF VXUS | 0.00% | 3.80M | 0.05% |
| 9 | Vanguard FTSE Global All Cap ex Canada Index ETF VXC.TO | 0.00% | 5.3K | 0.22% |
| 10 | Vanguard Total World Stock ETF VT | 0.00% | 186.9K | 0.06% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Ankur Sehgal | Group Chief Executive Officer & Executive Director | — | male |
| Benjamin Lau | Chief Technology Officer of CTOS Data Systems Sdn Bhd | — | male |
| Cheong Seng Ng | Company Secretary | — | — |
| Ee Lin Kooi | Company Secretary | — | — |
| Kok Leong Loh | Executive Director | — | male |
| Ming Yew Tan | Group Chief Financial Officer | — | male |
| Peggy Ding Sze Kay | Group Head of Corporate Strategy & Planning | — | female |
| Premila Sivam | Group Chief People Officer | — | female |
| Shin Mei Lee | Chief Executive Officer of CTOS Data Systems Sdn Bhd | — | female |
| Sivanathan Subramaniam | Group Chief Risk & Compliance Officer | — | male |
| Tan Li Chin | Chief Business Officer of CTOS Data Systems Sdn Bhd | — | — |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for 5301.KL
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
