TransUnion
Market Cap
US$15.8b
Last Updated
2019/10/24 00:37 UTC
Data Sources
Company Financials +
Executive Summary
TransUnion provides risk and information solutions.
Snowflake
Fundamentals
High growth potential with mediocre balance sheet.
Similar Companies
Share Price & News
How has TransUnion's share price performed over time and what events caused price changes?
Latest Share Price and Events
Market Performance
7 Day Return
3.1%
TRU
-1.1%
US Professional Services
0.4%
US Market
1 Year Return
31.0%
TRU
22.9%
US Professional Services
11.4%
US Market
Return vs Industry: TRU exceeded the US Professional Services industry which returned 20.2% over the past year.
Return vs Market: TRU exceeded the US Market which returned 8.9% over the past year.
Shareholder returns
| TRU | Industry | Market | |
|---|---|---|---|
| 7 Day | 3.1% | -1.1% | 0.4% |
| 30 Day | 3.0% | -0.7% | 0.3% |
| 90 Day | -0.7% | -3.9% | -1.2% |
| 1 Year | 31.5%31.0% | 24.1%22.9% | 13.9%11.4% |
| 3 Year | 169.5%167.7% | 54.8%49.6% | 47.2%37.6% |
| 5 Year | n/a | 82.8%72.9% | 62.4%44.6% |
Price Volatility Vs. Market
How volatile is TransUnion's share price compared to the market and industry in the last 5 years?
Simply Wall St News
14 hours ago | Simply Wall St
Is TransUnion's (NYSE:TRU) Share Price Gain Of 151% Well Earned?2 weeks ago | Simply Wall St
Don't Sell TransUnion (NYSE:TRU) Before You Read This3 weeks ago | Simply Wall St
Is TransUnion's (NYSE:TRU) 16% ROE Better Than Average?Valuation
Is TransUnion undervalued compared to its fair value and its price relative to the market?
42.15x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: TRU ($83.66) is trading above our estimate of fair value ($76.42)
Significantly Below Fair Value: TRU is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: TRU is poor value based on its PE Ratio (42.2x) compared to the Professional Services industry average (20.2x).
PE vs Market: TRU is poor value based on its PE Ratio (42.2x) compared to the US market (17.8x).
Price to Earnings Growth Ratio
PEG Ratio: TRU is poor value based on its PEG Ratio (2x)
Price to Book Ratio
PB vs Industry: TRU is overvalued based on its PB Ratio (7.7x) compared to the US Professional Services industry average (2.4x).
Next Steps
Future Growth
How is TransUnion forecast to perform in the next 1 to 3 years based on estimates from 14 analysts?
20.9%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: TRU's forecast earnings growth (20.9% per year) is above the savings rate (2.7%).
Earnings vs Market: TRU's earnings (20.9% per year) are forecast to grow faster than the US market (14.5% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: TRU's revenue (8.1% per year) is forecast to grow faster than the US market (7.2% per year).
High Growth Revenue: TRU's revenue (8.1% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: TRU's Return on Equity is forecast to be low in 3 years time (20.2%).
Next Steps
Past Performance
How has TransUnion performed over the past 5 years?
52.9%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
Earnings Trend: TRU has become profitable over the past 5 years, growing earnings by 52.9% per year.
Accelerating Growth: TRU's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: TRU had negative earnings growth (-11.9%) over the past year, making it difficult to compare to the Professional Services industry average (36.8%).
Return on Equity
High ROE: TRU's Return on Equity (17.6%) is considered low.
Return on Assets
ROA vs Industry: TRU's Return on Assets is below or equal to the Professional Services industry average last year.
Return on Capital Employed
ROCE Improving: TRU has significantly improved its Return on Capital Employed over the past 3 years.
Next Steps
Financial Health
How is TransUnion's financial position?
Financial Position Analysis
Short Term Liabilities: TRU's short term assets ($892.1M) exceeds its short term liabilities ($628.1M)
Long Term Liabilities: TRU's short term assets (892.1M) do not cover its long term liabilities (4.3B)
Debt to Equity History and Analysis
Debt Level: TRU's debt to equity ratio (178.2%) is considered high
Reducing Debt: TRU's debt to equity ratio has reduced from 368.4% to 178.2% over the past 5 years.
Debt Coverage: TRU's debt is not well covered by operating cash flow (19.2%).
Interest Coverage: TRU's interest payments on its debt are well covered by EBIT (3.4x coverage).
Balance Sheet
Inventory Level: TRU has a low level of unsold assets or inventory.
Debt Coverage by Assets: TRU's debt is not covered by short term assets (assets are 0.2x debt).
Next Steps
Dividend
What is TransUnion's current dividend yield, its reliability and sustainability?
0.36%
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Stability and Growth of Payments
Notable Dividend: TRU's dividend (0.36%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.45%).
High Dividend: TRU's dividend (0.36%) is low compared to the top 25% of dividend payers in the US market (3.68%).
Stable Dividend: TRU is not paying a notable dividend for the US market, therefore no need to check if payments are stable.
Growing Dividend: TRU is not paying a notable dividend for the US market, therefore no need to check if payments are increasing.
Current Payout to Shareholders
Dividend Coverage: TRU is not paying a notable dividend for the US market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of TRU's dividend in 3 years as they are not forecast to pay a notable one for the US market.
Next Steps
Management
What is the CEO of TransUnion's salary, the management and board of directors tenure and is there insider trading?
1.0yrs
Average management tenure
CEO
Chris Cartwright (54yo)
0.4yrs
Tenure
US$6,257,515
Compensation
Mr. Christopher A. Cartwright, also known as Chris, has been President, Chief Executive Officer and Director of TransUnion and TransUnion LLC since May 8, 2019. Mr. Cartwright served as President of US Inf ...
CEO Compensation Analysis
Compensation vs. Market: Chris has recently become CEO, making it difficult to compare their total compensation against companies of similar size in the US market.
Compensation vs Earnings: Chris's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.
Management Age and Tenure
1.0yrs
Average Tenure
53yo
Average Age
Experienced Management: TRU's management team is not considered experienced ( 1 years average tenure), which suggests a new team.
Board Age and Tenure
4.4yrs
Average Tenure
60yo
Average Age
Experienced Board: TRU's board of directors are considered experienced (4.4 years average tenure).
Insider Trading
Insider Buying: TRU insiders have only sold shares in the past 3 months.
Recent Insider Transactions
| Entity | Individual |
| Shares | 5,000 |
| Max Price | US$83.75 |
| Entity | Company |
| Shares | 16,775 |
| Max Price | US$84.00 |
| Entity | Individual |
| Role | Member of the Board of Directors Independent Director |
| Shares | 7,703 |
| Max Price | US$82.01 |
| Entity | Individual |
| Role | Chief Operating Officer Executive Vice President of Operations |
| Shares | 2,919 |
| Max Price | US$82.76 |
| Entity | Individual |
| Role | Chief Executive Officer President |
| Shares | 44,040 |
| Max Price | US$83.30 |
Ownership Breakdown
Management Team
John Danaher (55yo)
Executive Vice President of Consumer Interactive
- Tenure: 0yrs
- Compensation: US$2.51m
Chris Cartwright (54yo)
President
- Tenure: 0.4yrs
- Compensation: US$6.26m
Jim Peck (56yo)
Consultant & Director
- Tenure: 6.8yrs
- Compensation: US$12.26m
David Neenan (53yo)
Executive Vice President of International
- Tenure: 7.1yrs
- Compensation: US$5.69m
Abhi Dhar (47yo)
Executive VP and Chief Information & Technology Officer
- Tenure: 0.8yrs
Aaron Hoffman
Vice President of Investor Relations
- Tenure: 0yrs
Tim Elberfeld
Chief Accounting Officer
- Tenure: 3.8yrs
Heather Russell (47yo)
Executive VP & Chief Legal Officer
- Tenure: 1.3yrs
Todd Cello (43yo)
Executive VP & CFO
- Tenure: 2.2yrs
- Compensation: US$2.24m
Richard Mauldin
Executive Vice President of Operations
- Tenure: 0.4yrs
Board Members
Pam Joseph (60yo)
Independent Director
- Tenure: 4.1yrs
- Compensation: US$274.94k
Leo Mullin (76yo)
Chairman of the Board
- Tenure: 4.7yrs
- Compensation: US$362.44k
Bobby Mehta (61yo)
Independent Director
- Tenure: 7.5yrs
- Compensation: US$234.94k
Andrew Prozes (73yo)
Independent Director
- Tenure: 5.8yrs
- Compensation: US$277.44k
Roger Baker
Member of Government Advisory Board
- Tenure: 3.5yrs
Chris Cartwright (54yo)
President
- Tenure: 0.4yrs
- Compensation: US$6.26m
George Awad (59yo)
Director
- Tenure: 5.9yrs
- Compensation: US$244.94k
Jim Peck (56yo)
Consultant & Director
- Tenure: 6.8yrs
- Compensation: US$12.26m
Jonathan McDonald
Executive VP of Government Information Solutions Business Unit & Member of Government Advisory Board
- Tenure: 3.5yrs
Chuck Alsup
Member of Government Advisory Board
- Tenure: 3.5yrs
Company Information
TransUnion's company bio, employee growth, exchange listings and data sources
Key Information
- Name: TransUnion
- Ticker: TRU
- Exchange: NYSE
- Founded: 1968
- Industry: Research and Consulting Services
- Sector: Commercial Services
- Market Cap: US$15.753b
- Shares outstanding: 188.30m
- Website: https://www.transunion.com
Number of Employees
Location
- TransUnion
- 555 West Adams Street
- Chicago
- Illinois
- 60661
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| TRU | NYSE (New York Stock Exchange) | Yes | Common Stock | US | USD | Jun 2015 |
| 1TU | DB (Deutsche Boerse AG) | Yes | Common Stock | DE | EUR | Jun 2015 |
Biography
TransUnion provides risk and information solutions. The company operates in three segments: U.S. Information Services (USIS), International, and Consumer Interactive. The USIS segment provides consumer rep ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/10/24 00:37 |
| End of Day Share Price | 2019/10/23 00:00 |
| Earnings | 2019/09/30 |
| Annual Earnings | 2018/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.