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Credit Bureau AsiaSGX:TCU 79 Net Margin % is 17.81% as of Dec. 2025, which is 3% above its 10-year median of 17.28. 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 776 Capital Markets companies, Credit Bureau Asia ranks better than 53.74% on this metric.
Credit Bureau Asia (SGX:TCU) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Credit Bureau Asia Net Margin % Related Terms
Credit Bureau Asia Net Margin % Historical Data
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The historical data trend for Credit Bureau Asia's Net 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: Net Margin % Comparison
For the Financial Data & Stock Exchanges subindustry, Credit Bureau Asia's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, Credit Bureau Asia's Net Margin % distribution charts can be found below:
* The bar in red indicates where Credit Bureau Asia's Net 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.
Credit Bureau Asia (SGX:TCU) has a Net Margin % of 17.81% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Credit Bureau Asia and its competitors. This is near median its historical median of 17.28. Over the past decade, Credit Bureau Asia's Net Margin % has ranged from 14.55 to 18.82. According to the industry distribution chart, Credit Bureau Asia ranks #359 out of 776 companies in the Capital Markets industry, placing it in the top 46.3%.
Is Credit Bureau Asia's Net Margin % too high?
Credit Bureau Asia's current Net Margin % of 17.81% is near median its 10-year median of 17.28. Over the past 10 years, this metric has ranged from a low of 14.55 to a high of 18.82. The Capital Markets industry median Net Margin % is 14.97. Credit Bureau Asia's value of 17.81% is 19% above this industry median. Based on the distribution chart, Credit Bureau Asia ranks #359 out of 776 companies in the Capital Markets industry, which is above the industry midpoint. 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 Net Margin % compare to SPGI and CME?
According to the Capital Markets industry distribution chart, Credit Bureau Asia ranks #359 out of 776 companies for Net Margin %. This puts Credit Bureau Asia in the upper half of its industry. The industry median Net Margin % is 14.97. Credit Bureau Asia's value of 17.81% is 19% above this benchmark. Historically, Credit Bureau Asia's own Net Margin % has ranged from 14.55 to 18.82 over the past decade. While the company's 10-year median is 17.28 vs. the industry median of 14.97, 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 Net Margin % for a Capital Markets company?
The median Net Margin % among Capital Markets companies is 14.97, based on 776 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Bureau Asia's current Net Margin % of 17.81% is 19% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Credit Bureau Asia and its competitors. For the Capital Markets industry, the median Net Margin % is 14.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Bureau Asia's current Net Margin % is 17.81%, which is near median its own 10-year median of 17.28. 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 Net Margin % is 17.81%, which is near median its 10-year median of 17.28 and 19% above the Capital Markets industry median of 14.97. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Credit Bureau Asia (SGX:TCU), the current Net Margin % is 17.81% 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:
Net Margin %: 17.81% (near median its 10-year median of 17.28)
GF Value™: S$1.33 vs. price of S$1.10 (17.3% below fair value)
Industry Position: 19% above the Capital Markets median (#359 of 776)
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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