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Credit Bureau AsiaSGX:TCU 79 Gross Margin % is 74.09% as of Dec. 2025, which is 5% below its 10-year median of 78.04. GuruFocus rates SGX:TCU with a GF Score™ of 79/100 and a GF Value™ of S$1.33 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 620 Capital Markets companies, Credit Bureau Asia ranks better than 76.77% on this metric.
Credit Bureau Asia (SGX:TCU) Gross Margin % Explanation
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
Credit Bureau Asia had a gross margin of 74.09% for the quarter that ended in Dec. 2025 => Durable competitive advantage
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
Credit Bureau Asia Gross Margin % Related Terms
Credit Bureau Asia Gross Margin % Historical Data
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The historical data trend for Credit Bureau Asia's Gross Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
SGX:TCU vs SPGI, CME, ICE: Gross Margin % Comparison
For the Financial Data & Stock Exchanges subindustry, Credit Bureau Asia's Gross Margin %, along with its competitors' market caps and Gross Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Credit Bureau Asia Gross Margin % vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, Credit Bureau Asia's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Credit Bureau Asia's Gross Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
Credit Bureau Asia (SGX:TCU) has a Gross Margin % of 74.09% as of Dec. 2025. Gross margin is the ratio of total gross profit to net sales. View historical data on Credit Bureau Asia and its competitors. This is near median its historical median of 78.04. Over the past decade, Credit Bureau Asia's Gross Margin % has ranged from 75.61 to 79.23. According to the industry distribution chart, Credit Bureau Asia ranks #144 out of 620 companies in the Capital Markets industry, placing it in the top 23.2%.
Is Credit Bureau Asia's Gross Margin % too high?
Credit Bureau Asia's current Gross Margin % of 74.09% is near median its 10-year median of 78.04. Over the past 10 years, this metric has ranged from a low of 75.61 to a high of 79.23. The Capital Markets industry median Gross Margin % is 50.03. Credit Bureau Asia's value of 74.09% is 48.1% above this industry median. Based on the distribution chart, Credit Bureau Asia ranks #144 out of 620 companies in the Capital Markets industry, which is in the top quartile — a strong position relative to peers. Overall, Credit Bureau Asia has a GF Score™ of 79/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Credit Bureau Asia's Gross Margin % compare to SPGI and CME?
According to the Capital Markets industry distribution chart, Credit Bureau Asia ranks #144 out of 620 companies for Gross Margin %. This places Credit Bureau Asia in the top 23% of its industry — outperforming the majority of peers. The industry median Gross Margin % is 50.03. Credit Bureau Asia's value of 74.09% is 48.1% above this benchmark. Historically, Credit Bureau Asia's own Gross Margin % has ranged from 75.61 to 79.23 over the past decade. While the company's 10-year median is 78.04 vs. the industry median of 50.03, Credit Bureau Asia has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Gross Margin % for a Capital Markets company?
The median Gross Margin % among Capital Markets companies is 50.03, based on 620 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Bureau Asia's current Gross Margin % of 74.09% is 48.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on Credit Bureau Asia and its competitors. For the Capital Markets industry, the median Gross Margin % is 50.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Bureau Asia's current Gross Margin % is 74.09%, which is near median its own 10-year median of 78.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Credit Bureau Asia stock overvalued right now?
Based on GuruFocus' analysis, Credit Bureau Asia (SGX:TCU) is currently considered Modestly Undervalued. The stock's GF Value™ is S$1.33, compared to a current price of S$1.10 — trading 17.3% below its estimated fair value. The current Gross Margin % is 74.09%, which is near median its 10-year median of 78.04 and 48.1% above the Capital Markets industry median of 50.03. Credit Bureau Asia's overall GF Score™ is 79/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For Credit Bureau Asia (SGX:TCU), the current Gross Margin % is 74.09% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Credit Bureau Asia (SGX:TCU) Overvalued in 2026?
Based on GuruFocus' analysis, Credit Bureau Asia stock appears to be undervalued.
The current stock price of S$1.10 is trading 17.3% below its estimated GF Value™ of S$1.33.
GuruFocus considers Credit Bureau Asia to be Modestly Undervalued.
Key valuation signals for SGX:TCU:
Gross Margin %: 74.09% (near median its 10-year median of 78.04)
GF Value™: S$1.33 vs. price of S$1.10 (17.3% below fair value)
Industry Position: 48.1% above the Capital Markets median (#144 of 620)
No single metric tells the full story. See the SGX:TCU stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Credit Bureau Asia Ltd is a provider of credit and risk information solutions in Southeast Asia. The company provides credit and risk information solutions to a client base of banks, financial institutions, multinational corporations, telecommunication companies, government bodies and public agencies, local enterprises, and individuals across Singapore, Malaysia, Cambodia, and Myanmar (the Territories). Its products and services include credit and risk information reports, credit scores, monitoring services, data trends and analytics, and client-specific tailored solutions. The company has two segments; the Financial Institution Data Business and the Non-Financial Institution Data Business, covering both consumer and commercial credit risk information.
79GF Score
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