| Snowflake Score | |
|---|---|
| Valuation | 2/6 |
| Future Growth | 3/6 |
| Past Performance | 5/6 |
| Financial Health | 4/6 |
| Dividends | 0/6 |
TRU Stock Overview
TransUnion provides risk and information solutions.
TransUnion Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$103.39 |
| 52 Week High | US$125.35 |
| 52 Week Low | US$83.12 |
| Beta | 1.31 |
| 1 Month Change | -9.23% |
| 3 Month Change | -11.11% |
| 1 Year Change | 11.80% |
| 3 Year Change | 75.51% |
| 5 Year Change | 225.13% |
| Change since IPO | 307.05% |
Recent News & Updates
TransUnion (NYSE:TRU) Seems To Use Debt Quite Sensibly
The external fund manager backed by Berkshire Hathaway's Charlie Munger, Li Lu, makes no bones about it when he says...
If You Like EPS Growth Then Check Out TransUnion (NYSE:TRU) Before It's Too Late
It's only natural that many investors, especially those who are new to the game, prefer to buy shares in 'sexy' stocks...
Why TransUnion (NYSE:TRU) Could Be Worth Watching
Let's talk about the popular TransUnion ( NYSE:TRU ). The company's shares received a lot of attention from a...
Shareholder Returns
| TRU | US Professional Services | US Market | |
|---|---|---|---|
| 7D | -6.7% | -4.3% | -4.6% |
| 1Y | 11.8% | 2.6% | 7.7% |
Return vs Industry: TRU exceeded the US Professional Services industry which returned 4.9% over the past year.
Return vs Market: TRU exceeded the US Market which returned 10.2% over the past year.
Price Volatility
| TRU volatility | |
|---|---|
| TRU Average Weekly Movement | 4.1% |
| Professional Services Industry Average Movement | 6.2% |
| Market Average Movement | 6.6% |
| 10% most volatile stocks in US Market | 15.7% |
| 10% least volatile stocks in US Market | 2.4% |
Stable Share Price: TRU is not significantly more volatile than the rest 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.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1968 | 8,200 | Chris Cartwright | https://www.transunion.com |
TransUnion provides risk and information solutions. The company operates in three segments: U.S. Markets, International, and Consumer Interactive.
TransUnion Fundamentals Summary
| TRU fundamental statistics | |
|---|---|
| Market Cap | US$19.81b |
| Earnings (TTM) | US$471.40m |
| Revenue (TTM) | US$3.01b |
42.0x
P/E Ratio6.6x
P/S RatioIs TRU overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| TRU income statement (TTM) | |
|---|---|
| Revenue | US$3.01b |
| Cost of Revenue | US$1.01b |
| Gross Profit | US$2.00b |
| Expenses | US$1.53b |
| Earnings | US$471.40m |
Last Reported Earnings
Sep 30, 2021
Next Earnings Date
n/a
| Earnings per share (EPS) | 2.46 |
| Gross Margin | 66.55% |
| Net Profit Margin | 15.66% |
| Debt/Equity Ratio | 113.3% |
How did TRU perform over the long term?
See historical performance and comparisonDividends
0.4%
Current Dividend Yield15%
Payout RatioValuation
Is TransUnion undervalued compared to its fair value and its price relative to the market?
26.3%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: TRU ($104.12) is trading below our estimate of fair value ($140.16)
Significantly Below Fair Value: TRU is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: TRU is poor value based on its PE Ratio (42.3x) compared to the US Professional Services industry average (23.4x).
PE vs Market: TRU is poor value based on its PE Ratio (42.3x) compared to the US market (17x).
Price to Earnings Growth Ratio
PEG Ratio: TRU is poor value based on its PEG Ratio (2.1x)
Price to Book Ratio
PB vs Industry: TRU is overvalued based on its PB Ratio (6.9x) compared to the US Professional Services industry average (2.8x).
Future Growth
How is TransUnion forecast to perform in the next 1 to 3 years based on estimates from 8 analysts?
19.9%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: TRU's forecast earnings growth (19.9% per year) is above the savings rate (2%).
Earnings vs Market: TRU's earnings (19.9% per year) are forecast to grow faster than the US market (13% per year).
High Growth Earnings: TRU's earnings are forecast to grow, but not significantly.
Revenue vs Market: TRU's revenue (14.4% per year) is forecast to grow faster than the US market (9.2% per year).
High Growth Revenue: TRU's revenue (14.4% 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 (12.7%).
Past Performance
How has TransUnion performed over the past 5 years?
13.8%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: TRU has high quality earnings.
Growing Profit Margin: TRU's current net profit margins (15.7%) are higher than last year (12%).
Past Earnings Growth Analysis
Earnings Trend: TRU's earnings have grown by 13.8% per year over the past 5 years.
Accelerating Growth: TRU's earnings growth over the past year (45.4%) exceeds its 5-year average (13.8% per year).
Earnings vs Industry: TRU earnings growth over the past year (45.4%) exceeded the Professional Services industry 33.6%.
Return on Equity
High ROE: TRU's Return on Equity (16.3%) is considered low.
Financial Health
How is TransUnion's financial position?
Financial Position Analysis
Short Term Liabilities: TRU's short term assets ($1.5B) exceed its short term liabilities ($680.0M).
Long Term Liabilities: TRU's short term assets ($1.5B) do not cover its long term liabilities ($3.8B).
Debt to Equity History and Analysis
Debt Level: TRU's net debt to equity ratio (89.4%) is considered high.
Reducing Debt: TRU's debt to equity ratio has reduced from 169% to 113.3% over the past 5 years.
Debt Coverage: TRU's debt is well covered by operating cash flow (26.3%).
Interest Coverage: TRU's interest payments on its debt are well covered by EBIT (7.5x coverage).
Balance Sheet
Dividend
What is TransUnion current dividend yield, its reliability and sustainability?
0.37%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: TRU's dividend (0.36%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.35%).
High Dividend: TRU's dividend (0.36%) is low compared to the top 25% of dividend payers in the US market (3.48%).
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?
3.0yrs
Average management tenure
CEO
Chris Cartwright (56 yo)
2.67yrs
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 ($USD11.29M).
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 years average tenure).
Board Members
Experienced Board: TRU's board of directors are considered experienced (5.8 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 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
- Implied Market Cap: US$19.810b
- Shares outstanding: 191.60m
- Website: https://www.transunion.com
Number of Employees
Location
- TransUnion
- 555 West Adams
- Chicago
- Illinois
- 60661
- United States
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/01/21 00:10 |
| End of Day Share Price | 2022/01/20 00:00 |
| Earnings | 2021/09/30 |
| Annual Earnings | 2020/12/31 |
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.