TransUnion
Market Cap
US$18.4b
Last Updated
2020/02/23 02:20 UTC
Data Sources
Company Financials +
Executive Summary
TransUnion provides risk and information solutions.
Rewards
Risk Analysis
Snowflake Analysis
Reasonable growth potential with proven track record.
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
Stable Share Price: TRU has not had significant price volatility in the past 3 months.
Market Performance
7 Day Return
-0.7%
TRU
-1.3%
US Professional Services
-1.1%
US Market
1 Year Return
53.3%
TRU
27.7%
US Professional Services
17.9%
US Market
Return vs Industry: TRU exceeded the US Professional Services industry which returned 27.7% over the past year.
Return vs Market: TRU exceeded the US Market which returned 17.9% over the past year.
Shareholder returns
| TRU | Industry | Market | |
|---|---|---|---|
| 7 Day | -0.7% | -1.3% | -1.1% |
| 30 Day | 4.9% | 2.3% | 1.4% |
| 90 Day | 14.8% | 10.9% | 6.9% |
| 1 Year | 53.9%53.3% | 28.8%27.7% | 20.3%17.9% |
| 3 Year | 170.1%168.1% | 60.4%55.2% | 47.8%38.3% |
| 5 Year | n/a | 80.5%70.7% | 71.9%53.0% |
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
3 days ago | Simply Wall St
Can TransUnion (NYSE:TRU) Maintain Its Strong Returns?2 weeks ago | Simply Wall St
Why TransUnion's (NYSE:TRU) High P/E Ratio Isn't Necessarily A Bad Thing1 month ago | Simply Wall St
TransUnion (NYSE:TRU) Shareholders Have Enjoyed An Impressive 195% Share Price GainValuation
Is TransUnion undervalued compared to its fair value and its price relative to the market?
52.04x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: TRU ($97.4) is trading above our estimate of fair value ($52.98)
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 (52x) compared to the Professional Services industry average (19x).
PE vs Market: TRU is poor value based on its PE Ratio (52x) compared to the US market (18.2x).
Price to Earnings Growth Ratio
PEG Ratio: TRU is poor value based on its PEG Ratio (3.4x)
Price to Book Ratio
PB vs Industry: TRU is overvalued based on its PB Ratio (8.2x) compared to the US Professional Services industry average (2.8x).
Next Steps
Future Growth
How is TransUnion forecast to perform in the next 1 to 3 years based on estimates from 15 analysts?
15.4%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: TRU's forecast earnings growth (15.4% per year) is above the savings rate (1.7%).
Earnings vs Market: TRU's earnings (15.4% per year) are forecast to grow faster than the US market (14.1% per year).
High Growth Earnings: TRU's earnings are forecast to grow, but not significantly.
Revenue vs Market: TRU's revenue (7.7% per year) is forecast to grow faster than the US market (7.6% per year).
High Growth Revenue: TRU's revenue (7.7% 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 high in 3 years time (22%)
Next Steps
Past Performance
How has TransUnion performed over the past 5 years?
47.6%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: TRU has high quality earnings.
Growing Profit Margin: TRU's current net profit margins (13.2%) are higher than last year (12%).
Past Earnings Growth Analysis
Earnings Trend: TRU has become profitable over the past 5 years, growing earnings by 47.6% per year.
Accelerating Growth: TRU's earnings growth over the past year (26.4%) is below its 5-year average (47.6% per year).
Earnings vs Industry: TRU earnings growth over the past year (26.4%) exceeded the Professional Services industry 12.3%.
Return on Equity
High ROE: TRU's Return on Equity (15.2%) is considered low.
Return on Assets
Return on Capital Employed
Next Steps
Financial Health
How is TransUnion's financial position?
Financial Position Analysis
Short Term Liabilities: TRU's short term assets ($888.2M) exceed its short term liabilities ($571.4M).
Long Term Liabilities: TRU's short term assets ($888.2M) do not cover its long term liabilities ($4.2B).
Debt to Equity History and Analysis
Debt Level: TRU's debt to equity ratio (158.3%) is considered high.
Reducing Debt: TRU's debt to equity ratio has reduced from 381.5% to 158.3% over the past 5 years.
Debt Coverage: TRU's debt is well covered by operating cash flow (21%).
Interest Coverage: TRU's interest payments on its debt are well covered by EBIT (3.7x 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?
0.31%
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: TRU's dividend (0.31%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.45%).
High Dividend: TRU's dividend (0.31%) is low compared to the top 25% of dividend payers in the US market (3.73%).
Stability and Growth of Payments
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
How experienced are the management team and are they aligned to shareholders interests?
1.4yrs
Average management tenure
CEO
Chris Cartwright (54yo)
0.8yrs
Tenure
US$6,257,515
Compensation
Mr. Christopher A. Cartwright, also known as Chris, has been President, Chief Executive Officer and Director of TransUnion and TransUnion LLC since May 8, 2019. Mr. Cartwright served as President of US Inf ...
CEO Compensation Analysis
Compensation vs Market: Chris's total compensation ($USD6.26M) is below average for companies of similar size in the US market ($USD10.81M).
Compensation vs Earnings: Chris's compensation has increased by more than 20% in the past year.
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President | 0.8yrs | US$6.26m | 0.022% $4.1m | |
| Executive VP & CFO | 2.5yrs | US$2.24m | 0.0034% $623.4k | |
| Consultant & Director | 7.2yrs | US$12.26m | 0.13% $24.7m | |
| President of International | 7.4yrs | US$5.69m | 0.030% $5.6m | |
| President of Consumer Interactive | 0yrs | US$2.51m | 0.040% $7.4m | |
| Executive VP & COO | 0.8yrs | no data | 0.0012% $215.2k | |
| Chief Accounting Officer | 4.1yrs | no data | 0.0028% $516.7k | |
| Executive VP and Chief Information & Technology Officer | 1.1yrs | no data | no data | |
| Vice President of Investor Relations | 0yrs | no data | no data | |
| Executive VP & Chief Legal Officer | 1.7yrs | no data | no data |
1.4yrs
Average Tenure
53yo
Average Age
Experienced Management: TRU's management team is not considered experienced ( 1.4 years average tenure), which suggests a new team.
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President | 0.8yrs | US$6.26m | 0.022% $4.1m | |
| Consultant & Director | 7.2yrs | US$12.26m | 0.13% $24.7m | |
| Executive VP of Government Information Solutions Business Unit & Member of Government Advisory Board | 3.8yrs | no data | no data | |
| Independent Director | 4.4yrs | US$274.94k | 0.014% $2.5m | |
| Chairman of the Board | 5yrs | US$362.44k | 0.035% $6.4m | |
| Independent Director | 7.8yrs | US$234.94k | 0.020% $3.7m | |
| Independent Director | 6.1yrs | US$277.44k | 0.0032% $579.3k | |
| Member of Government Advisory Board | 3.8yrs | no data | no data | |
| Independent Director | 6.3yrs | US$244.94k | 0.0045% $829.3k | |
| Member of Government Advisory Board | 3.8yrs | no data | no data |
4.7yrs
Average Tenure
60yo
Average Age
Experienced Board: TRU's board of directors are considered experienced (4.7 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
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$18.389b
- Shares outstanding: 188.80m
- Website: https://www.transunion.com
Number of Employees
Location
- TransUnion
- 555 West Adams
- 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 |
| 1TU | BRSE (Berne Stock Exchange) | Yes | Common Stock | CH | CHF | Jun 2015 |
Biography
TransUnion provides risk and information solutions. The company operates in three segments: U.S. Markets, International, and Consumer Interactive. The U.S. Markets segment provides consumer reports, actionable insights, and analytics, such as credit and other scores, as well as decisioning services for businesses. These businesses use its services to acquire new customers; assess consumer ability to pay for services; identify cross-selling opportunities; measure and manage debt portfolio risk; collect debt; verify consumer identities; and investigate potential fraud. This segment serves various verticals, including financial services, insurance, healthcare, collections, tenant and employment, public sector, media, and other markets. The International segment offers credit reports, analytics, decision services, and other value-added risk management services; and consumer services, which enable consumers to manage their personal finances. This segment serves customers in financial services, retail credit, insurance, automotive, collections, public sector, and communications industries through direct and indirect channels. The Consumer Interactive segment provides credit reports and scores, credit monitoring, fraud protection and resolution, and financial management solutions that enable consumers to manage their personal finances and take precautions against identity theft. This segment offers its products through online and mobile interfaces, as well as through direct and indirect channels. The company serves customers in approximately 30 countries and territories, including North America, Latin America, Europe, Africa, the Asia Pacific, and India. The company was formerly known as TransUnion Holding Company, Inc. and changed its name to TransUnion in March 2015. TransUnion was founded in 1968 and is headquartered in Chicago, Illinois.
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2020/02/23 02:20 |
| End of Day Share Price | 2020/02/21 00:00 |
| Earnings | 2019/12/31 |
| Annual Earnings | 2019/12/31 |
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.