TransUnion
Market Cap
US$18.0b
Last Updated
2020/12/04 23:45 UTC
Data Sources
Company Financials +
Executive Summary
TransUnion provides risk and information solutions. More Details
Rewards
Risk Analysis
Snowflake Analysis
Adequate balance sheet with limited growth.
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 is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: TRU's weekly volatility (5%) has been stable over the past year.
Market Performance
7 Day Return
1.7%
TRU
1.1%
US Professional Services
1.5%
US Market
1 Year Return
10.1%
TRU
25.0%
US Professional Services
22.3%
US Market
Return vs Industry: TRU underperformed the US Professional Services industry which returned 23.8% over the past year.
Return vs Market: TRU underperformed the US Market which returned 22.1% over the past year.
Shareholder returns
| TRU | Industry | Market | |
|---|---|---|---|
| 7 Day | 1.7% | 1.1% | 1.5% |
| 30 Day | 7.8% | 6.1% | 8.8% |
| 90 Day | 12.3% | 12.0% | 10.8% |
| 1 Year | 10.4%10.1% | 25.9%25.0% | 25.1%22.3% |
| 3 Year | 71.7%69.8% | 62.3%57.6% | 49.5%39.6% |
| 5 Year | 268.4%264.5% | 119.2%107.7% | 105.8%83.3% |
Long-Term 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
6 days ago | Simply Wall St
This Insider Has Just Sold Shares In TransUnion (NYSE:TRU)3 weeks ago | Simply Wall St
The TransUnion (NYSE:TRU) Share Price Is Up 247% And Shareholders Are Boasting About It1 month ago | Simply Wall St
TransUnion (NYSE:TRU) Has A ROE Of 14%Valuation
Is TransUnion undervalued compared to its fair value and its price relative to the market?
55.19x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: TRU ($94.43) is trading above our estimate of fair value ($62.18)
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 (55.2x) compared to the US Professional Services industry average (22.7x).
PE vs Market: TRU is poor value based on its PE Ratio (55.2x) compared to the US market (19.4x).
Price to Earnings Growth Ratio
PEG Ratio: TRU is poor value based on its PEG Ratio (2.6x)
Price to Book Ratio
PB vs Industry: TRU is overvalued based on its PB Ratio (7.8x) compared to the US Professional Services industry average (3.1x).
Next Steps
Future Growth
How is TransUnion forecast to perform in the next 1 to 3 years based on estimates from 17 analysts?
21.3%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: TRU's forecast earnings growth (21.3% per year) is above the savings rate (2.2%).
Earnings vs Market: TRU's earnings (21.3% per year) are forecast to grow slower than the US market (21.9% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: TRU's revenue (7.1% per year) is forecast to grow slower than the US market (10.2% per year).
High Growth Revenue: TRU's revenue (7.1% 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 (16.4%).
Next Steps
Past Performance
How has TransUnion performed over the past 5 years?
30.3%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: TRU has high quality earnings.
Growing Profit Margin: TRU's current net profit margins (12%) are lower than last year (14.3%).
Past Earnings Growth Analysis
Earnings Trend: TRU has become profitable over the past 5 years, growing earnings by 30.3% 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 (-12.5%) over the past year, making it difficult to compare to the Professional Services industry average (-0.06%).
Return on Equity
High ROE: TRU's Return on Equity (14%) is considered low.
Next Steps
Financial Health
How is TransUnion's financial position?
Financial Position Analysis
Short Term Liabilities: TRU's short term assets ($1.2B) exceed its short term liabilities ($618.4M).
Long Term Liabilities: TRU's short term assets ($1.2B) do not cover its long term liabilities ($4.2B).
Debt to Equity History and Analysis
Debt Level: TRU's debt to equity ratio (154.7%) is considered high.
Reducing Debt: TRU's debt to equity ratio has reduced from 159.6% to 154.7% over the past 5 years.
Debt Coverage: TRU's debt is well covered by operating cash flow (20.3%).
Interest Coverage: TRU's interest payments on its debt are well covered by EBIT (4.6x coverage).
Balance Sheet
Next Steps
Dividend
What is TransUnion current dividend yield, its reliability and sustainability?
0.32%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: TRU's dividend (0.32%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.49%).
High Dividend: TRU's dividend (0.32%) is low compared to the top 25% of dividend payers in the US market (4.1%).
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?
3.3yrs
Average management tenure
CEO
Chris Cartwright (55 yo)
1.58yrs
Tenure
US$8,206,631
Compensation
Mr. Christopher A. Cartwright, also known as Chris, has been President, Chief Executive Officer and Director of TransUnion and TransUnion LLC since May 8, 2019. Mr. Cartwright served as President of US Inf...
CEO Compensation Analysis
Compensation vs Market: Chris's total compensation ($USD8.21M) is about average for companies of similar size in the US market ($USD10.98M).
Compensation vs Earnings: Chris's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President | 1.58yrs | US$8.21m | 0.0041% $ 740.4k | |
| Executive VP & CFO | 3.33yrs | US$3.09m | 0.0054% $ 974.0k | |
| Executive VP and Chief Information & Technology Officer | 1.92yrs | US$3.40m | no data | |
| President of International | 8.25yrs | US$4.64m | 0.033% $ 5.9m | |
| President of Consumer Interactive | no data | US$4.35m | no data | |
| Executive VP & COO | 1.58yrs | no data | 0.0016% $ 294.7k | |
| VP, Chief Accounting Officer & Corporate Controller | 4.92yrs | no data | 0.0039% $ 699.0k | |
| Vice President of Investor Relations | no data | no data | no data | |
| Executive VP & Chief Legal Officer | 2.5yrs | no data | no data | |
| Executive VP and Chief Marketing & Communications Officer | 5.92yrs | no data | no data | |
| Executive VP & Chief Human Resources Officer | 6.92yrs | no data | no data | |
| Chief Financial Officer of U.S. Information Services | no data | no data | no data |
3.3yrs
Average Tenure
53yo
Average Age
Experienced Management: TRU's management team is considered experienced (3.3 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President | 1.58yrs | US$8.21m | 0.0041% $ 740.4k | |
| Executive VP of Government Information Solutions Business Unit & Member of Government Advisory Board | 4.67yrs | no data | no data | |
| Independent Director | 2.42yrs | US$284.94k | 0.0036% $ 645.1k | |
| Independent Chairman | 0.58yr | US$299.94k | 0.015% $ 2.6m | |
| Independent Director | 8.67yrs | US$264.94k | 0.021% $ 3.8m | |
| Independent Director | 6.92yrs | US$304.94k | 0.0043% $ 776.3k | |
| Independent Director | 3.5yrs | US$269.94k | 0.0056% $ 997.3k | |
| Member of Government Advisory Board | 4.67yrs | no data | no data | |
| Member of Government Advisory Board | 4.67yrs | no data | no data | |
| Independent Director | 7.08yrs | US$269.94k | 0.0057% $ 1.0m | |
| Member of Government Advisory Board | 4.67yrs | no data | no data | |
| Member of Government Advisory Board | 4.67yrs | no data | no data |
4.7yrs
Average Tenure
61yo
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: TRU insiders have only sold shares 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$17.970b
- Shares outstanding: 190.30m
- 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 |
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, action...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2020/12/04 23:45 |
| End of Day Share Price | 2020/12/04 00:00 |
| Earnings | 2020/09/30 |
| 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.