Credit Bureau Asia (TCU) investor relations material

Executive summary

• Revenue increased by 2.7% year-over-year to $31.0 million for the six months ended 30 June 2026, driven by growth in both FI and non-FI data businesses.

• Profit for the period rose 3.6% year-over-year to $13.3 million, with profit before tax up 4% to $16.0 million.

• Interim dividend declared at 2.2 Singapore cents per share, a 10% increase year-over-year.

• The group completed a capital reduction, returning $20.7 million to shareholders, fully utilizing remaining IPO proceeds.

• Profit after tax and minority interest rose 2% to $5.5 million.

Financial highlights

• FI data revenue grew 4.3% to $14.6 million, with report sales up 3.1% and data analytics services also increasing.

• Non-FI data revenue rose 1.3% to $16.4 million, with stable global credit risk management solutions and higher report sales.

• Other operating income fell 44.7% to $0.6 million due to lower interest income.

• Employee benefits expense increased 5.8% to $7.3 million, while other operating expenses decreased 9.9% to $6.2 million.

• Basic and diluted EPS was 2.40 cents, up from 2.35 cents year-over-year.

Outlook and guidance

• The group remains cautiously optimistic for the remainder of 2026 amid global uncertainties.

• FI data business continues growth, with Credit Bureau Singapore and Cambodia showing positive momentum and Myanmar improving.

• Non-FI data business maintains growth as global trade policy shifts continue.