Financials Credit Bureau Asia Limited

Equities

TCU

SGXE54097436

Professional Information Services

Delayed Singapore S.E. 10:49:51 2024-05-22 pm EDT 5-day change 1st Jan Change
0.91 SGD +1.11% Intraday chart for Credit Bureau Asia Limited -1.62% -1.09%

Valuation

Fiscal Period: December 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 301.8 246.5 213.1 212 207.4 - -
Enterprise Value (EV) 1 301.8 246.5 213.1 212 207.4 207.4 207.4
P/E ratio 39 x 31.5 x 25.3 x 21.5 x 19.6 x 18 x 16.4 x
Yield - 3.18% - - 4.67% 5% 5.44%
Capitalization / Revenue 6.96 x 5.43 x 4.38 x 3.91 x 3.47 x 3.19 x 2.93 x
EV / Revenue 6.96 x 5.43 x 4.38 x 3.91 x 3.47 x 3.19 x 2.93 x
EV / EBITDA - 9.88 x 8.26 x 7.5 x 6.54 x 6.07 x 5.58 x
EV / FCF - 14.7 x - - 9.7 x 8.53 x 7.99 x
FCF Yield - 6.82% - - 10.3% 11.7% 12.5%
Price to Book - 5.21 x - - 4.09 x 4.09 x 3.91 x
Nbr of stocks (in thousands) 230,390 230,390 230,390 230,390 230,390 - -
Reference price 2 1.310 1.070 0.9250 0.9200 0.9000 0.9000 0.9000
Announcement Date 2/24/21 2/23/22 2/23/23 4/4/24 - - -
1SGD in Million2SGD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2020 2021 2022 2023 2024 2025 2026
Net sales 1 43.38 45.38 48.62 54.17 59.69 64.92 70.65
EBITDA 1 - 24.95 25.81 28.27 31.7 34.17 37.18
EBIT 1 - 20.66 21.58 23.87 27.22 29.66 32.32
Operating Margin - 45.54% 44.38% 44.07% 45.6% 45.69% 45.75%
Earnings before Tax (EBT) 1 - 21.7 22.85 26.68 28.79 31.33 34.11
Net income 1 - 7.837 8.404 9.842 10.68 11.63 12.66
Net margin - 17.27% 17.29% 18.17% 17.89% 17.91% 17.92%
EPS 2 0.0336 0.0340 0.0365 0.0427 0.0460 0.0500 0.0550
Free Cash Flow 1 - 16.82 - - 21.38 24.32 25.95
FCF margin - 37.07% - - 35.82% 37.46% 36.73%
FCF Conversion (EBITDA) - 67.41% - - 67.44% 71.17% 69.8%
FCF Conversion (Net income) - 214.64% - - 200.19% 209.11% 204.98%
Dividend per Share 2 - 0.0340 - - 0.0420 0.0450 0.0490
Announcement Date 2/24/21 2/23/22 2/23/23 4/4/24 - - -
1SGD in Million2SGD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow 1 - 16.8 - - 21.4 24.3 26
ROE (net income / shareholders' equity) - 17.2% 17.7% - 21.3% 22.7% 24.2%
ROA (Net income/ Total Assets) - 9.27% 9.72% - 25.2% 26.6% 28%
Assets 1 - 84.54 86.48 - 42.38 43.72 45.21
Book Value Per Share 2 - 0.2100 - - 0.2200 0.2200 0.2300
Cash Flow per Share - - - - - - -
Capex 1 - 3.13 - - 5 5 5
Capex / Sales - 6.89% - - 8.38% 7.7% 7.08%
Announcement Date 2/24/21 2/23/22 2/23/23 4/4/24 - - -
1SGD in Million2SGD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Trading Rating
Investor Rating
ESG Refinitiv
More Ratings
Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
1
Last Close Price
0.9 SGD
Average target price
1.2 SGD
Spread / Average Target
+33.33%
Consensus

Annual profits - Rate of surprise

  1. Stock Market
  2. Equities
  3. TCU Stock
  4. Financials Credit Bureau Asia Limited