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Credit Bureau Asia Limited (TCU.SI)

SGD1.13 +0.00 (+0.00%)
SG SES Financial Services Financial - Data & Stock Exchanges
Address 6 Shenton Way 68809
Singapore, SG
CEO Chiang Koo
IPO 2020-12-03
ISIN SGXE54097436

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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 divided into two primary segments. Its Financial Institution Data segment provides financial entities with up-to-date credit data on consumers and businesses, compiled from contributions by its member network. This segment also offers credit scoring, data analytics, credit monitoring, and bespoke client solutions. The Non-Financial Institution Data segment caters to businesses with services encompassing business intelligence, risk management, sales and marketing support, and commercial insights. Beyond these core offerings, CBA also maintains litigation and other specialized databases, provides consulting and portfolio monitoring services, manages receivables, and offers software consultation and data processing. Its broad client base includes financial institutions, multinational corporations, telecommunications providers, government and public sector organizations, local enterprises, and private individuals.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
SGD1.13 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
67.0K
Beta
-0.05
Float Shares
53.02M
Free Float %
23.1%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-0.86% +0.88% -7.26% -5.74% -9.45% -11.54% -16.67% +20.42% -9.45% +7.48% +7.48%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
1.13
DCF (Unlevered) 2.80 +148.2%
DCF (Levered) 5.43 +380.1%

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.

Quality scores
Composite Rating
C-
Overall Score
1 / 5
Low
DCF Score
1 / 5
Low
ROE Score
1 / 5
Low
ROA Score
1 / 5
Low
D/E Score
3 / 5
Medium
P/E Score
1 / 5
Low
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers ★ Strong MOAT
  • Revenue growth Financial - Data & Stock Exchanges: +11.9%
    +10.2%
  • EPS growth Financial - Data & Stock Exchanges: +19.9%
    +14.3%
  • FCF margin FCF growth · Financial - Data & Stock Exchanges: +25.6%
    +48.5%
  • EBIT margin Financial - Data & Stock Exchanges: +51.8%
    +51.5%
  • ROIC Financial - Data & Stock Exchanges: +13.5%
    +237.5%
  • Share dilution Financial - Data & Stock Exchanges: +0.6%
    +0.0%
  • Debt / EBITDA Net debt/EBITDA · Financial - Data & Stock Exchanges: -0.36×
    0.17×
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* 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.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (-0.05) × ERP
WACC = 98% × Ke + 2% × Kd (4.2%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 2.80 Current price: 1.13
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
1 Rev. Ana.
1 EPS Ana.
Dec 2027
1 Rev. Ana.
1 EPS Ana.
Revenue
54.17M
est: 55.02M (-1.5%)
59.71M
est: 61.79M (-3.4%)
66.62M
est.
72.06M
72.06M – 72.06M
+8.2% YoY
77.98M
77.98M – 77.98M
+8.2% YoY
EBITDA
31.21M
est: 31.76M (-1.7%)
35.48M
est: 35.67M (-0.5%)
38.45M
est.
41.59M
41.59M – 41.59M
+8.2% YoY
45.01M
45.01M – 45.01M
+8.2% YoY
EBIT
26.81M
est: 27.03M (-0.8%)
30.74M
est: 30.36M (+1.2%)
32.73M
est.
35.41M
35.41M – 35.41M
+8.2% YoY
38.31M
38.31M – 38.31M
+8.2% YoY
Net Income
9.84M
est: 9.45M (+4.2%)
11.24M
est: 11.11M (+1.2%)
11.54M
est.
12.61M
12.61M – 12.61M
+9.3% YoY
13.67M
13.67M – 13.67M
+8.5% YoY
SGA
est.
— – —
— – —
EPS
0.04
est: 0.04 (+4.1%)
0.05
est: 0.05 (+1.2%)
0.05
est.
0.05
0.05 – 0.05
+9.3% YoY
0.06
0.06 – 0.06
+8.5% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-06-19 C- 1/5 1/5 1/5 1/5 3/5 1/5 1/5
2026-06-18 C- 1/5 1/5 1/5 1/5 3/5 1/5 1/5
2026-06-17 C- 1/5 1/5 1/5 1/5 3/5 1/5 1/5
2026-06-16 C- 1/5 1/5 1/5 1/5 3/5 1/5 1/5
2026-06-15 C- 1/5 1/5 1/5 1/5 3/5 1/5 1/5
2026-06-12 C- 1/5 1/5 1/5 1/5 3/5 1/5 1/5
2026-06-11 C- 1/5 1/5 1/5 1/5 3/5 1/5 1/5
2026-06-10 C- 1/5 1/5 1/5 1/5 3/5 1/5 1/5
2026-06-09 C- 1/5 1/5 1/5 1/5 3/5 1/5 1/5
2026-06-08 C- 1/5 1/5 1/5 1/5 3/5 1/5 1/5
2026-06-05 C- 1/5 1/5 1/5 1/5 3/5 1/5 1/5
2026-06-04 C- 1/5 1/5 1/5 1/5 3/5 1/5 1/5
2026-06-03 C- 1/5 1/5 1/5 1/5 3/5 1/5 1/5
2026-06-02 C- 1/5 1/5 1/5 1/5 3/5 1/5 1/5
2026-05-29 C- 1/5 1/5 1/5 1/5 3/5 1/5 1/5
2026-05-28 C- 1/5 1/5 1/5 1/5 3/5 1/5 1/5
2026-05-26 C- 1/5 1/5 1/5 1/5 3/5 1/5 1/5
2026-05-25 C- 1/5 1/5 1/5 1/5 3/5 1/5 1/5
2026-05-22 C- 1/5 1/5 1/5 1/5 3/5 1/5 1/5
2026-05-21 C- 1/5 1/5 1/5 1/5 3/5 1/5 1/5
2026-05-20 C- 1/5 1/5 1/5 1/5 3/5 1/5 1/5
2026-05-19 C- 1/5 1/5 1/5 1/5 3/5 1/5 1/5
2026-05-18 C- 1/5 1/5 1/5 1/5 3/5 1/5 1/5
2026-05-15 C- 1/5 1/5 1/5 1/5 3/5 1/5 1/5
2026-05-14 C- 1/5 1/5 1/5 1/5 3/5 1/5 1/5
2026-05-13 C- 1/5 1/5 1/5 1/5 3/5 1/5 1/5
2026-05-12 C- 1/5 1/5 1/5 1/5 3/5 1/5 1/5
2026-05-11 C- 1/5 1/5 1/5 1/5 3/5 1/5 1/5
2026-05-08 C- 1/5 1/5 1/5 1/5 3/5 1/5 1/5
2026-05-07 C- 1/5 1/5 1/5 1/5 3/5 1/5 1/5
2026-05-06 C- 1/5 1/5 1/5 1/5 3/5 1/5 1/5
2026-05-05 C- 1/5 1/5 1/5 1/5 3/5 1/5 1/5
2026-05-04 C- 1/5 1/5 1/5 1/5 3/5 1/5 1/5
2026-04-30 C- 1/5 1/5 1/5 1/5 3/5 1/5 1/5
2026-04-29 C- 1/5 1/5 1/5 1/5 3/5 1/5 1/5
2026-04-28 C- 1/5 1/5 1/5 1/5 3/5 1/5 1/5
2026-04-27 C- 1/5 1/5 1/5 1/5 3/5 1/5 1/5
2026-04-24 D+ 1/5 1/5 1/5 1/5 2/5 1/5 1/5
2026-04-23 D+ 1/5 1/5 1/5 1/5 2/5 1/5 1/5
2026-04-22 D+ 1/5 1/5 1/5 1/5 2/5 1/5 1/5
2026-04-21 D+ 1/5 1/5 1/5 1/5 2/5 1/5 1/5
2026-04-20 D+ 1/5 1/5 1/5 1/5 2/5 1/5 1/5
2026-04-17 D+ 1/5 1/5 1/5 1/5 2/5 1/5 1/5
2026-04-16 D+ 1/5 1/5 1/5 1/5 2/5 1/5 1/5
Ownership data is not available for this company yet.

Executive team

Top executives
EBIT / Employee
166.2K
Shares Outstanding
229.59M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Wah Liang Lim Executive Director 742.0K male
Chiang Koo Founder, CEO & Executive Chairman 525.1K male
Audrey Chia Chief Operations Officer female
Frankie Fan Chief Financial Officer male
Kok Siong Yun Chief Corporate Officer male
Wai Ming Chiang Company Secretary female
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits