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Market Cap

US$20.7b

Last Updated

2021/05/18 06:28 UTC

Data Sources

Company Financials +

Executive Summary

TransUnion provides risk and information solutions. More Details


Snowflake Analysis

Adequate balance sheet with acceptable 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 is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 4% a week.

Volatility Over Time: TRU's weekly volatility (4%) has been stable over the past year.


Market Performance


7 Day Return

3.1%

TRU

-0.9%

US Professional Services

-0.6%

US Market


1 Year Return

37.6%

TRU

41.3%

US Professional Services

46.0%

US Market

Return vs Industry: TRU underperformed the US Professional Services industry which returned 41.3% over the past year.

Return vs Market: TRU underperformed the US Market which returned 46% over the past year.


Shareholder returns

TRUIndustryMarket
7 Day3.1%-0.9%-0.6%
30 Day12.1%1.9%-1.8%
90 Day22.1%5.9%0.2%
1 Year38.1%37.6%42.4%41.3%48.4%46.0%
3 Year60.4%58.7%64.9%60.3%60.5%50.4%
5 Year236.8%232.8%143.3%126.6%125.9%100.9%

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

Valuation

Is TransUnion undervalued compared to its fair value and its price relative to the market?

51.29x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: TRU ($108.04) is trading above our estimate of fair value ($99.58)

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 (51.3x) compared to the US Professional Services industry average (28x).

PE vs Market: TRU is poor value based on its PE Ratio (51.3x) compared to the US market (19.8x).


Price to Earnings Growth Ratio

PEG Ratio: TRU is poor value based on its PEG Ratio (3.8x)


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 (3.2x).


Future Growth

How is TransUnion forecast to perform in the next 1 to 3 years based on estimates from 17 analysts?

13.4%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: TRU's forecast earnings growth (13.4% per year) is above the savings rate (2%).

Earnings vs Market: TRU's earnings (13.4% per year) are forecast to grow slower than the US market (14.6% per year).

High Growth Earnings: TRU's earnings are forecast to grow, but not significantly.

Revenue vs Market: TRU's revenue (6.9% per year) is forecast to grow slower than the US market (9% per year).

High Growth Revenue: TRU's revenue (6.9% 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 (18.1%).


Past Performance

How has TransUnion performed over the past 5 years?

20.1%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: TRU has high quality earnings.

Growing Profit Margin: TRU's current net profit margins (14.5%) are higher than last year (12.8%).


Past Earnings Growth Analysis

Earnings Trend: TRU's earnings have grown significantly by 20.1% per year over the past 5 years.

Accelerating Growth: TRU's earnings growth over the past year (14.8%) is below its 5-year average (20.1% per year).

Earnings vs Industry: TRU earnings growth over the past year (14.8%) underperformed the Professional Services industry 14.8%.


Return on Equity

High ROE: TRU's Return on Equity (14.9%) is considered low.


Financial Health

How is TransUnion's financial position?


Financial Position Analysis

Short Term Liabilities: TRU's short term assets ($1.1B) exceed its short term liabilities ($630.2M).

Long Term Liabilities: TRU's short term assets ($1.1B) do not cover its long term liabilities ($3.9B).


Debt to Equity History and Analysis

Debt Level: TRU's debt to equity ratio (123.8%) is considered high.

Reducing Debt: TRU's debt to equity ratio has reduced from 163.9% to 123.8% over the past 5 years.

Debt Coverage: TRU's debt is well covered by operating cash flow (23.6%).

Interest Coverage: TRU's interest payments on its debt are well covered by EBIT (5.6x coverage).


Balance Sheet


Dividend

What is TransUnion current dividend yield, its reliability and sustainability?

0.35%

Current Dividend Yield


Upcoming Dividend Payment

TodayMay 18 2021Ex Dividend DateMay 25 2021Dividend Pay DateJun 10 202116 days from Ex DividendBuy in the next 6 days to receive the upcoming dividend

Dividend Yield vs Market

Notable Dividend: TRU's dividend (0.35%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.25%).

High Dividend: TRU's dividend (0.35%) is low compared to the top 25% of dividend payers in the US market (3.41%).


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)

2yrs

Tenure

US$8,633,152

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 was an Executive Vice Preside...


CEO Compensation Analysis

Compensation vs Market: Chris's total compensation ($USD8.63M) is about average for companies of similar size in the US market ($USD11.19M).

Compensation vs Earnings: Chris's compensation has been consistent with company performance over the past year.


Leadership Team

Experienced Management: TRU's management team is considered experienced (3.3 years average tenure).


Board Members

Experienced Board: TRU's board of directors are considered experienced (5.1 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$20.668b
  • Shares outstanding: 191.30m
  • Website: https://www.transunion.com

Number of Employees


Location

  • TransUnion
  • 555 West Adams
  • Chicago
  • Illinois
  • 60661
  • United States

Listings


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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/05/18 06:28
End of Day Share Price2021/05/17 00:00
Earnings2021/03/31
Annual Earnings2020/12/31


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.