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ROC % measures how well a company generates cash flow relative to the capital it has invested in its business. It is also called ROIC %. Credit Bureau Asia's annualized return on capital (ROC %) for the quarter that ended in Dec. 2025 was 58.83%.
As of today (2026-07-31), Credit Bureau Asia's WACC % is 6.29%. Credit Bureau Asia's ROC % is 59.44% (calculated using TTM income statement data).
Credit Bureau Asia generates higher returns on investment than it costs the company to raise the capital needed for that investment. It is earning excess returns. A firm that expects to continue generating positive excess returns on new investments in the future will see its value increase as growth increases.
ROC % measures how well a company generates cash flow relative to the capital it has invested in its business. It is also called ROIC %. The reason book values of debt and equity are used is because the book values are the capital the company received when issuing the debt or receiving the equity investments.
There are four key components to this definition. The first is the use of operating income or EBIT rather than net income in the numerator. The second is the tax adjustment to this operating income or EBIT, computed as a hypothetical tax based on an effective or marginal tax rate. The third is the use of book values for invested capital, rather than market values. The final is the timing difference; the capital invested is from the end of the prior year whereas the operating income or EBIT is the current year's number.
Why is ROC % important?
Because it costs money to raise capital. A firm that generates higher returns on investment than it costs the company to raise the capital needed for that investment is earning excess returns. A firm that expects to continue generating positive excess returns on new investments in the future will see its value increase as growth increases, whereas a firm that earns returns that do not match up to its cost of capital will destroy value as it grows.
As of today, Credit Bureau Asia's WACC % is 6.29%. Credit Bureau Asia's ROC % is 59.44% (calculated using TTM income statement data).
Credit Bureau Asia generates higher returns on investment than it costs the company to raise the capital needed for that investment. It is earning excess returns. A firm that expects to continue generating positive excess returns on new investments in the future will see its value increase as growth increases.
Be Aware
Like ROE % and ROA %, ROC % is calculated with only 12 months of data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Credit Bureau Asia ROC % Related Terms
Credit Bureau Asia ROC % Historical Data
* Premium members only.
The historical data trend for Credit Bureau Asia's ROC % 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.
Note:
The Operating Income data used here is two times the semi-annual (Dec. 2025) data.
The tax rate is limited to between 0% and 100%.
* 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 ROC % of 58.83% as of Dec. 2025. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Credit Bureau Asia and its competitors.
Is Credit Bureau Asia's ROC % too high?
Credit Bureau Asia's current ROC % is 58.83%. The Capital Markets industry median ROC % is 1.45. Credit Bureau Asia's value of 58.83% is 3957.2% above this industry median. 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 ROC % compare to SPGI and CME?
Credit Bureau Asia's ROC % of 58.83% can be compared against companies in the Capital Markets industry. The industry median ROC % is 1.45. Credit Bureau Asia's value of 58.83% is 3957.2% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Capital Markets company?
The median ROC % among Capital Markets companies is 1.45, based on 696 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Bureau Asia's current ROC % of 58.83% is 3957.2% 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 ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Credit Bureau Asia and its competitors. For the Capital Markets industry, the median ROC % is 1.45 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Bureau Asia's current ROC % is 58.83%. 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 ROC % is 58.83% and 3957.2% above the Capital Markets industry median of 1.45. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For Credit Bureau Asia (SGX:TCU), the current ROC % is 58.83% 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:
ROC %: 58.83%
GF Value™: S$1.33 vs. price of S$1.10 (17.3% below fair value)
Industry Position: 3957.2% above the Capital Markets median
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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