Credit Bureau Asia (TCU) H2 2025 earnings summary

Executive summary

• Maintained net profit margin above 50% in FY2025 despite global volatility and a slight reduction in PATMI, mainly due to lower interest income and a weaker US dollar.

• Achieved resilient revenue streams and continued to invest in scalable platforms and regional expansion.

• Board recommends a final dividend of 2.2 Singapore cents per share, totaling 4.2 cents for FY2025, a 5% increase over FY2024.

• Credit Bureau Singapore granted consumer credit bureau license by MAS, effective 1 April 2025.

• Named in Forbes Asia's "Best Under A Billion" for the second consecutive year.

Financial highlights

• Group revenue: S$60.1M in FY2025, up from S$59.7M in FY2024.

• PATMI: S$10.7M in FY2025, down from S$11.2M in FY2024.

• FI Data Business revenue: S$28.0M in FY2025, up from S$27.2M in FY2024.

• Non-FI Data Business revenue: S$32.1M in FY2025, slightly down from S$32.6M in FY2024.

• Final dividend proposed: 2.2 cents per share; total dividend for FY2025: 4.2 cents per share.

Outlook and guidance

• Optimistic outlook for 2026 and beyond, with focus on technology, regional presence, and innovation.

• Commitment to disciplined capital management and continued review of investment opportunities.