Credit Bureau Asia Limited
Credit Bureau Asia Limited Fundamental Analysis
Credit Bureau Asia Limited (TCU.SI) shows moderate financial fundamentals with a PE ratio of 26.03, profit margin of 18.82%, and ROE of 22.19%. The company generates $0.1B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 78.9/100 based on profitability, valuation, growth, and balance sheet metrics. The B grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze TCU.SI's fundamental strength across five key dimensions:
Efficiency Score
ExcellentTCU.SI demonstrates superior asset utilization.
Valuation Score
ModerateTCU.SI shows balanced valuation metrics.
Growth Score
ModerateTCU.SI shows steady but slowing expansion.
Financial Health Score
ExcellentTCU.SI maintains a strong and stable balance sheet.
Profitability Score
ExcellentTCU.SI achieves industry-leading margins.
Key Financial Metrics
Is TCU.SI Expensive or Cheap?
P/E Ratio
TCU.SI trades at 26.03 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, TCU.SI's PEG of 0.26 indicates potential undervaluation.
Price to Book
The market values Credit Bureau Asia Limited at 5.65 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at 9.94 times EBITDA. This is generally considered low.
How Well Does TCU.SI Make Money?
Net Profit Margin
For every $100 in sales, Credit Bureau Asia Limited keeps $18.82 as profit after all expenses.
Operating Margin
Core operations generate 46.59 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $22.19 in profit for every $100 of shareholder equity.
ROA
Credit Bureau Asia Limited generates $10.86 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Credit Bureau Asia Limited generates strong operating cash flow of $30.12M, reflecting robust business health.
Free Cash Flow
Credit Bureau Asia Limited generates strong free cash flow of $28.53M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $0.12 in free cash annually.
FCF Yield
TCU.SI converts 9.81% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
26.03
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.26
vs 25 benchmark
P/B Ratio
Price to book value ratio
5.65
vs 25 benchmark
P/S Ratio
Price to sales ratio
4.89
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.12
vs 25 benchmark
Current Ratio
Current assets to current liabilities
2.92
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.22
vs 25 benchmark
ROA
Return on assets percentage
0.11
vs 25 benchmark
ROCE
Return on capital employed
0.36
vs 25 benchmark
How TCU.SI Stacks Against Its Sector Peers
| Metric | TCU.SI Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 26.03 | 18.94 | Worse (Expensive) |
| ROE | 22.19% | 846.00% | Weak |
| Net Margin | 18.82% | 4054.00% | Weak |
| Debt/Equity | 0.12 | 0.89 | Strong (Low Leverage) |
| Current Ratio | 2.92 | 660.05 | Strong Liquidity |
| ROA | 10.86% | -24865.00% (disorted) | Strong |
TCU.SI outperforms its industry in 3 out of 6 key metrics, particularly excelling in ROA, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Credit Bureau Asia Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical