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Credit Bureau AsiaSGX:TCU 82 3-Year ROIIC % is 1,115.28 as of Dec. 2025, which is 1319% above its 10-year median of 78.61. GuruFocus rates SGX:TCU with a GF Score™ of 82/100 and a GF Value™ of S$1.31 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 658 Capital Markets companies, Credit Bureau Asia ranks better than 99.09% on this metric.
3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
Credit Bureau Asia's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 1,115.28%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Credit Bureau Asia's 3-Year ROIIC % or its related term are showing as below:
SGX:TCU's 3-Year ROIIC % is ranked better than 99.09% of 658
companies
in the Capital Markets industry
Industry Median: 2.275
vs SGX:TCU: 1115.28
Credit Bureau Asia (SGX:TCU) 3-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Credit Bureau Asia 3-Year ROIIC % Related Terms
Credit Bureau Asia 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for Credit Bureau Asia's 3-Year ROIIC % 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: 3-Year ROIIC % Comparison
For the Financial Data & Stock Exchanges subindustry, Credit Bureau Asia's 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, Credit Bureau Asia's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Credit Bureau Asia's 3-Year ROIIC % 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Credit Bureau Asia (SGX:TCU) has a 3-Year ROIIC % of 1,115.28 as of Dec. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Credit Bureau Asia and its competitors. This is 1319% above median its historical median of 78.61. Over the past decade, Credit Bureau Asia's 3-Year ROIIC % has ranged from 50.29 to 1,115.28. According to the industry distribution chart, Credit Bureau Asia ranks #6 out of 658 companies in the Capital Markets industry, placing it in the top 0.90000000000001%.
Is Credit Bureau Asia's 3-Year ROIIC % too high?
Credit Bureau Asia's current 3-Year ROIIC % of 1,115.28 is 1319% above median its 10-year median of 78.61. Over the past 10 years, this metric has ranged from a low of 50.29 to a high of 1,115.28. The Capital Markets industry median 3-Year ROIIC % is 2.28. Credit Bureau Asia's value of 1,115.28 is 48923.3% above this industry median. Based on the distribution chart, Credit Bureau Asia ranks #6 out of 658 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 82/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Credit Bureau Asia's 3-Year ROIIC % compare to SPGI and CME?
According to the Capital Markets industry distribution chart, Credit Bureau Asia ranks #6 out of 658 companies for 3-Year ROIIC %. This places Credit Bureau Asia in the top 1% of its industry — outperforming the majority of peers. The industry median 3-Year ROIIC % is 2.28. Credit Bureau Asia's value of 1,115.28 is 48923.3% above this benchmark. Historically, Credit Bureau Asia's own 3-Year ROIIC % has ranged from 50.29 to 1,115.28 over the past decade. While the company's 10-year median is 78.61 vs. the industry median of 2.28, 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 3-Year ROIIC % for a Capital Markets company?
The median 3-Year ROIIC % among Capital Markets companies is 2.28, based on 658 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Credit Bureau Asia's current 3-Year ROIIC % of 1,115.28 is 48923.3% 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Credit Bureau Asia and its competitors. For the Capital Markets industry, the median 3-Year ROIIC % is 2.28 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Bureau Asia's current 3-Year ROIIC % is 1,115.28, which is 1319% above median its own 10-year median of 78.61. 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$1.31, compared to a current price of S$1.08 — trading 17.6% below its estimated fair value. The current 3-Year ROIIC % is 1,115.28, which is 1319% above median its 10-year median of 78.61 and 48923.3% above the Capital Markets industry median of 2.28. Credit Bureau Asia's overall GF Score™ is 82/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Credit Bureau Asia (SGX:TCU), the current 3-Year ROIIC % is 1,115.28 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$1.08 is trading 17.6% below its estimated GF Value™ of S$1.31.
GuruFocus considers Credit Bureau Asia to be Modestly Undervalued.
Key valuation signals for SGX:TCU:
3-Year ROIIC %: 1,115.28 (1319% above median its 10-year median of 78.61)
GF Value™: S$1.31 vs. price of S$1.08 (17.6% below fair value)
Industry Position: 48923.3% above the Capital Markets median (#6 of 658)
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.
82GF Score
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