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Credit Bureau AsiaSGX:TCU 79 ROE % is 20.44% as of Dec. 2025, which is 8% below its 10-year median of 22.19. 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 792 Capital Markets companies, Credit Bureau Asia ranks better than 82.95% on this metric.
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Credit Bureau Asia ROE % Related Terms
Credit Bureau Asia ROE % Historical Data
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The historical data trend for Credit Bureau Asia's ROE % 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.
For the Financial Data & Stock Exchanges subindustry, Credit Bureau Asia's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, Credit Bureau Asia's ROE % distribution charts can be found below:
* The bar in red indicates where Credit Bureau Asia's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
Credit Bureau Asia (SGX:TCU) has a ROE % of 20.44% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Credit Bureau Asia and its competitors. This is near median its historical median of 22.19. Over the past decade, Credit Bureau Asia's ROE % has ranged from 17.24 to 44.74. According to the industry distribution chart, Credit Bureau Asia ranks #135 out of 792 companies in the Capital Markets industry, placing it in the top 17%.
Is Credit Bureau Asia's ROE % too high?
Credit Bureau Asia's current ROE % of 20.44% is near median its 10-year median of 22.19. Over the past 10 years, this metric has ranged from a low of 17.24 to a high of 44.74. The Capital Markets industry median ROE % is 6.07. Credit Bureau Asia's value of 20.44% is 237% above this industry median. Based on the distribution chart, Credit Bureau Asia ranks #135 out of 792 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 ROE % compare to SPGI and CME?
According to the Capital Markets industry distribution chart, Credit Bureau Asia ranks #135 out of 792 companies for ROE %. This places Credit Bureau Asia in the top 17% of its industry — outperforming the majority of peers. The industry median ROE % is 6.07. Credit Bureau Asia's value of 20.44% is 237% above this benchmark. Historically, Credit Bureau Asia's own ROE % has ranged from 17.24 to 44.74 over the past decade. While the company's 10-year median is 22.19 vs. the industry median of 6.07, 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 ROE % for a Capital Markets company?
The median ROE % among Capital Markets companies is 6.07, based on 792 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Bureau Asia's current ROE % of 20.44% is 237% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Credit Bureau Asia and its competitors. For the Capital Markets industry, the median ROE % is 6.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Bureau Asia's current ROE % is 20.44%, which is near median its own 10-year median of 22.19. 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 ROE % is 20.44%, which is near median its 10-year median of 22.19 and 237% above the Capital Markets industry median of 6.07. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Credit Bureau Asia (SGX:TCU), the current ROE % is 20.44% 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:
ROE %: 20.44% (near median its 10-year median of 22.19)
GF Value™: S$1.33 vs. price of S$1.10 (17.3% below fair value)
Industry Position: 237% above the Capital Markets median (#135 of 792)
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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