Credit Bureau Asia (SGX:TCU) Moat Score: 0/10 (As of Jul. 31, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

SGX:TCU Credit Bureau Asia Ltd SGX:TCU
79 GF Score
Price S$1.10
GF Value S$1.33
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Credit Bureau Asia Moat Score?

Credit Bureau Asia has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Credit Bureau Asia has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Credit Bureau Asia might have No Moat - No discernible moat.

Credit Bureau Asia  (SGX:TCU) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Credit Bureau Asia Moat Score Related Terms

SGX:TCU
79GF Score
Credit Bureau Asia Ltd SGX:TCU
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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:

  • Moat Score: 0
  • GF Value™: S$1.33 vs. price of S$1.10 (17.3% below fair value)
  • GF Score™: 79/100 with 2 warning signs

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 Business Description

Address 6 Shenton Way, No. 17-10 OUE Downtown 2, Singapore, SGP, 068809
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

Get the complete analysis for SGX:TCU

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

S$1.10
Price
S$1.33
GF Value