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TRU

TransUnionNYSE:TRU Stock Report

Market Cap

US$21.3b

7D

-0.6%

1Y

25.3%

Updated

30 Nov, 2021

Data

Company Financials +
TRU fundamental analysis
Snowflake Score
Valuation0/6
Future Growth2/6
Past Performance5/6
Financial Health4/6
Dividends0/6

TRU Stock Overview

TransUnion provides risk and information solutions.

TransUnion Competitors

IHS Markit

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Verisk Analytics

NasdaqGS:VRSK

US$36.9b

Equifax

NYSE:EFX

US$34.7b

Dun & Bradstreet Holdings

NYSE:DNB

US$8.0b

Price History & Performance

Summary of all time highs, changes and price drops for TransUnion
Historical stock prices
Current Share PriceUS$114.13
52 Week HighUS$125.35
52 Week LowUS$83.12
Beta1.28
1 Month Change-1.01%
3 Month Change-6.09%
1 Year Change25.29%
3 Year Change72.61%
5 Year Change289.26%
Change since IPO349.33%

Recent News & Updates

Nov 29
If You Like EPS Growth Then Check Out TransUnion (NYSE:TRU) Before It's Too Late

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...

Nov 15
Why TransUnion (NYSE:TRU) Could Be Worth Watching

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...

Nov 01
Calculating The Fair Value Of TransUnion (NYSE:TRU)

Calculating The Fair Value Of TransUnion (NYSE:TRU)

Today we will run through one way of estimating the intrinsic value of TransUnion ( NYSE:TRU ) by estimating the...

Oct 18
Investors Will Want TransUnion's (NYSE:TRU) Growth In ROCE To Persist

Investors Will Want TransUnion's (NYSE:TRU) Growth In ROCE To Persist

If we want to find a potential multi-bagger, often there are underlying trends that can provide clues. Firstly, we'll...

Shareholder Returns

TRUUS Professional ServicesUS Market
7D-0.6%-0.9%-0.9%
1Y25.3%17.7%23.3%

Return vs Industry: TRU exceeded the US Professional Services industry which returned 17.7% over the past year.

Return vs Market: TRU exceeded the US Market which returned 23.3% over the past year.

Price Volatility

Is TRU's price volatile compared to industry and market?
TRU volatility
TRU Average Weekly Movement3.3%
Professional Services Industry Average Movement5.6%
Market Average Movement6.0%
10% most volatile stocks in US Market15.0%
10% least volatile stocks in US Market2.3%

Stable Share Price: TRU is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 3% a week.

Volatility Over Time: TRU's weekly volatility (3%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
19688,200Chris Cartwrighthttps://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

How do TransUnion's earnings and revenue compare to its market cap?
TRU fundamental statistics
Market CapUS$21.31b
Earnings (TTM)US$471.40m
Revenue (TTM)US$3.01b

46.4x

P/E Ratio

7.3x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
TRU income statement (TTM)
RevenueUS$3.01b
Cost of RevenueUS$1.01b
Gross ProfitUS$2.00b
ExpensesUS$1.53b
EarningsUS$471.40m

Last Reported Earnings

Sep 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)2.46
Gross Margin66.55%
Net Profit Margin15.66%
Debt/Equity Ratio113.3%

How did TRU perform over the long term?

See historical performance and comparison

Dividends

0.3%

Current Dividend Yield

15%

Payout Ratio

Valuation

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

46.39x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: TRU ($114.13) is trading above our estimate of fair value ($110.48)

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 (46.4x) compared to the US Professional Services industry average (24x).

PE vs Market: TRU is poor value based on its PE Ratio (46.4x) compared to the US market (17.1x).


Price to Earnings Growth Ratio

PEG Ratio: TRU is poor value based on its PEG Ratio (2.5x)


Price to Book Ratio

PB vs Industry: TRU is overvalued based on its PB Ratio (7.6x) compared to the US Professional Services industry average (3.1x).


Future Growth

How is TransUnion forecast to perform in the next 1 to 3 years based on estimates from 16 analysts?

18.7%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: TRU's forecast earnings growth (18.7% per year) is above the savings rate (2%).

Earnings vs Market: TRU's earnings (18.7% per year) are forecast to grow faster than the US market (14.3% per year).

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

Revenue vs Market: TRU's revenue (8.8% per year) is forecast to grow slower than the US market (10.1% per year).

High Growth Revenue: TRU's revenue (8.8% 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 (15.4%).


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 30.2%.


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?

0.33%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: TRU's dividend (0.33%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.33%).

High Dividend: TRU's dividend (0.33%) is low compared to the top 25% of dividend payers in the US market (3.57%).


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?

3.1yrs

Average management tenure


CEO

Chris Cartwright (56 yo)

2.5yrs

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 ($USD8.63M) is about average for companies of similar size in the US market ($USD11.14M).

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 (3.1 years average tenure).


Board Members

Experienced Board: TRU's board of directors are considered experienced (5.6 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
  • Market Cap: US$21.312b
  • 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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/11/30 00:27
End of Day Share Price2021/11/29 00:00
Earnings2021/09/30
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.