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TransUnion

NYSE:TRU
Snowflake Description

Reasonable growth potential with mediocre balance sheet.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
TRU
NYSE
$15B
Market Cap
  1. Home
  2. US
  3. Commercial Services
Company description

TransUnion provides risk and information solutions. The last earnings update was 26 days ago. More info.


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TRU Share Price and Events
7 Day Returns
-0.7%
NYSE:TRU
-0.5%
US Professional Services
-1%
US Market
1 Year Returns
9.6%
NYSE:TRU
8.4%
US Professional Services
-0.4%
US Market
TRU Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
TransUnion (TRU) -0.7% 9.7% 27.5% 9.6% 154% -
US Professional Services -0.5% 0.4% 10.1% 8.4% 45% 63.6%
US Market -1% -3.3% 0.4% -0.4% 30.4% 37.1%
1 Year Return vs Industry and Market
  • TRU outperformed the Professional Services industry which returned 8.4% over the past year.
  • TRU outperformed the Market in United States of America which returned -0.4% over the past year.
Price Volatility
TRU
Industry
5yr Volatility vs Market

Value

 Is TransUnion undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of TransUnion to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for TransUnion.

NYSE:TRU Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model 2 Stage Free Cash Flow to Equity
Levered Free Cash Flow Average of 14 Analyst Estimates (S&P Global) See below
Discount Rate (Cost of Equity) See below 8.8%
Perpetual Growth Rate 10-Year US Government Bond Rate 2.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for NYSE:TRU
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 2.7%
Equity Risk Premium S&P Global 6%
Professional Services Unlevered Beta Simply Wall St/ S&P Global 0.85
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.847 (1 + (1- 21%) (26.21%))
1.015
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.02
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (1.015 * 5.96%)
8.78%

Discounted Cash Flow Calculation for NYSE:TRU using 2 Stage Free Cash Flow to Equity Model

The calculations below outline how an intrinsic value for TransUnion is arrived at by discounting future cash flows to their present value using the 2 stage method. We try to start with analysts estimates of free cash flow, however if these are not available we use the most recent financial results. In the 1st stage we continue to grow the free cash flow over a 10 year period, with the growth rate trending towards the perpetual growth rate used in the 2nd stage. The 2nd stage assumes the company grows at a stable rate into perpetuity.

Note: Free cash flow to equity valuations ignore the company's cash or debt.

NYSE:TRU DCF 1st Stage: Next 10 year cash flow forecast
Levered FCF (USD, Millions) Source Present Value
Discounted (@ 8.78%)
2020 547.14 Analyst x9 502.97
2021 628.50 Analyst x4 531.13
2022 750.00 Analyst x1 582.64
2023 840.00 Analyst x1 599.88
2024 913.49 Est @ 8.75% 599.70
2025 976.91 Est @ 6.94% 589.57
2026 1,032.40 Est @ 5.68% 572.76
2027 1,081.89 Est @ 4.79% 551.77
2028 1,127.06 Est @ 4.18% 528.40
2029 1,169.23 Est @ 3.74% 503.92
Present value of next 10 years cash flows $5,562.74
NYSE:TRU DCF 2nd Stage: Terminal Value
Calculation Result
Terminal Value = FCF2029 × (1 + g) ÷ (Discount Rate – g)
= $1,169.23 × (1 + 2.73%) ÷ (8.78% – 2.73%)
$19,849.98
Present Value of Terminal Value = Terminal Value ÷ (1 + r)10
= $19,849.98 ÷ (1 + 8.78%)10
$8,555.06
NYSE:TRU Total Equity Value
Calculation Result
Total Equity Value = Present value of next 10 years cash flows + Terminal Value
= $5,562.74 + $8,555.06
$14,117.80
Equity Value per Share
(USD)
= Total value / Shares Outstanding
= $14,117.80 / 187.80
$75.17
NYSE:TRU Discount to Share Price
Calculation Result
Value per share (USD) From above. $75.17
Current discount Discount to share price of $82.27
= -1 x ($82.27 - $75.17) / $75.17
-9.4%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

  • The current share price of TransUnion is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for TransUnion's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are TransUnion's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
NYSE:TRU PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-06-30) in USD $1.76
NYSE:TRU Share Price ** NYSE (2019-08-16) in USD $82.27
United States of America Professional Services Industry PE Ratio Median Figure of 39 Publicly-Listed Professional Services Companies 18.95x
United States of America Market PE Ratio Median Figure of 3,095 Publicly-Listed Companies 17.23x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of TransUnion.

NYSE:TRU PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NYSE:TRU Share Price ÷ EPS (both in USD)

= 82.27 ÷ 1.76

46.83x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • TransUnion is overvalued based on earnings compared to the US Professional Services industry average.
  • TransUnion is overvalued based on earnings compared to the United States of America market.
Price based on expected Growth
Does TransUnion's expected growth come at a high price?
Raw Data
NYSE:TRU PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 46.83x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 14 Analysts
21.1%per year
United States of America Professional Services Industry PEG Ratio Median Figure of 32 Publicly-Listed Professional Services Companies 1.81x
United States of America Market PEG Ratio Median Figure of 2,124 Publicly-Listed Companies 1.4x

*Line of best fit is calculated by linear regression .

NYSE:TRU PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 46.83x ÷ 21.1%

2.22x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • TransUnion is poor value based on expected growth next year.
Price based on value of assets
What value do investors place on TransUnion's assets?
Raw Data
NYSE:TRU PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-06-30) in USD $10.71
NYSE:TRU Share Price * NYSE (2019-08-16) in USD $82.27
United States of America Professional Services Industry PB Ratio Median Figure of 62 Publicly-Listed Professional Services Companies 2.56x
United States of America Market PB Ratio Median Figure of 5,265 Publicly-Listed Companies 1.7x
NYSE:TRU PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NYSE:TRU Share Price ÷ Book Value per Share (both in USD)

= 82.27 ÷ 10.71

7.68x

* Primary Listing of TransUnion.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • TransUnion is overvalued based on assets compared to the US Professional Services industry average.
X
Value checks
We assess TransUnion's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Professional Services industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Professional Services industry average (and greater than 0)? (1 check)
  5. TransUnion has a total score of 0/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is TransUnion expected to perform in the next 1 to 3 years based on estimates from 14 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
21.1%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is TransUnion expected to grow at an attractive rate?
  • TransUnion's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Growth vs Market Checks
  • TransUnion's earnings growth is expected to exceed the United States of America market average.
  • TransUnion's revenue growth is expected to exceed the United States of America market average.
Annual Growth Rates Comparison
Raw Data
NYSE:TRU Future Growth Rates Data Sources
Data Point Source Value (per year)
NYSE:TRU Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 14 Analysts 21.1%
NYSE:TRU Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 14 Analysts 8.1%
United States of America Professional Services Industry Earnings Growth Rate Market Cap Weighted Average 32%
United States of America Professional Services Industry Revenue Growth Rate Market Cap Weighted Average 6.5%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 14%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.5%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
NYSE:TRU Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (1 month ago) See Below
Future Estimates Average of up to 14 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NYSE:TRU Future Estimates Data
Date (Data in USD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2023-12-31
2022-12-31
2021-12-31 3,089 946 525 8
2020-12-31 2,858 792 406 14
2019-12-31 2,639 661 341 14
NYSE:TRU Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-06-30 2,498 626 327
2019-03-31 2,399 579 278
2018-12-31 2,317 556 278
2018-09-30 2,210 531 421
2018-06-30 2,105 524 442
2018-03-31 2,016 502 452
2017-12-31 1,934 466 441
2017-09-30 1,864 461 246
2017-06-30 1,803 413 218
2017-03-31 1,754 414 170
2016-12-31 1,705 390 121
2016-09-30 1,655 379 90

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • TransUnion's earnings are expected to grow significantly at over 20% yearly.
  • TransUnion's revenue is expected to grow by 8.1% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
NYSE:TRU Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (1 month ago) See Below
Future Estimates Average of up to 14 Analyst Estimates (S&P Global) See Below

All data from TransUnion Company Filings, last reported 1 month ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NYSE:TRU Future Estimates Data
Date (Data in USD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2023-12-31
2022-12-31
2021-12-31 2.92 3.41 2.43 2.00
2020-12-31 2.08 3.04 1.58 7.00
2019-12-31 1.76 1.82 1.69 5.00
NYSE:TRU Past Financials Data
Date (Data in USD Millions) EPS *
2019-06-30 1.76
2019-03-31 1.50
2018-12-31 1.51
2018-09-30 2.29
2018-06-30 2.41
2018-03-31 2.47
2017-12-31 2.42
2017-09-30 1.35
2017-06-30 1.19
2017-03-31 0.93
2016-12-31 0.66
2016-09-30 0.49

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • TransUnion is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess TransUnion's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
TransUnion has a total score of 4/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has TransUnion performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare TransUnion's growth in the last year to its industry (Professional Services).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • TransUnion has delivered over 20% year on year earnings growth in the past 5 years.
  • TransUnion's 1-year earnings growth is negative, it can't be compared to the 5-year average.
  • TransUnion's 1-year earnings growth is negative, it can't be compared to the US Professional Services industry average.
Earnings and Revenue History
TransUnion's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from TransUnion Company Filings, last reported 1 month ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NYSE:TRU Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-06-30 2,497.90 327.00 764.80
2019-03-31 2,399.10 277.50 738.80
2018-12-31 2,317.20 278.10 707.30
2018-09-30 2,210.20 421.00 674.40
2018-06-30 2,104.60 442.00 627.90
2018-03-31 2,016.20 452.00 605.50
2017-12-31 1,933.80 441.20 587.00
2017-09-30 1,863.60 245.60 563.60
2017-06-30 1,803.20 218.00 557.90
2017-03-31 1,754.20 170.30 553.20
2016-12-31 1,704.90 120.60 540.50
2016-09-30 1,655.10 90.20 542.00
2016-06-30 1,606.60 45.00 528.10
2016-03-31 1,559.40 25.10 510.40
2015-12-31 1,506.80 5.90 499.80
2015-09-30 1,456.30 -26.40 489.20
2015-06-30 1,405.40 -24.90 470.70
2015-03-31 1,354.40 -4.40 450.60
2014-12-31 1,304.70 -12.50 425.30
2014-09-30 1,261.50 -17.00 396.90
2014-06-30 1,222.80 -17.70 379.50
2014-03-31 1,196.10 -43.50 367.70
2013-12-31 1,183.20 -35.10 353.30
2013-09-30 1,244.93 -26.50 369.93
2013-06-30 1,237.13 -11.80 359.33
2013-03-31 1,127.23 -7.40 315.23
2012-12-31 1,140.00 -63.70 315.40

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • TransUnion has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • TransUnion used its assets less efficiently than the US Professional Services industry average last year based on Return on Assets.
  • TransUnion has significantly improved its use of capital last year versus 3 years ago (Return on Capital Employed).
X
Past performance checks
We assess TransUnion's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Professional Services industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
TransUnion has a total score of 2/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is TransUnion's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up TransUnion's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • TransUnion is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • TransUnion's long term commitments exceed its cash and other short term assets.
Balance sheet
This treemap shows a more detailed breakdown of TransUnion's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Debt is not covered by short term assets, assets are 0.2x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from TransUnion Company Filings, last reported 1 month ago.

NYSE:TRU Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-06-30 2,108.50 3,966.80 241.60
2019-03-31 2,076.90 4,055.40 241.20
2018-12-31 1,982.20 4,058.80 213.90
2018-09-30 1,964.10 4,121.80 251.10
2018-06-30 1,914.30 4,210.50 218.90
2018-03-31 1,932.10 2,423.90 179.60
2017-12-31 1,824.60 2,464.60 137.40
2017-09-30 1,554.70 2,387.20 267.60
2017-06-30 1,470.30 2,399.90 159.40
2017-03-31 1,465.00 2,402.40 155.10
2016-12-31 1,473.00 2,381.70 215.00
2016-09-30 1,431.50 2,419.90 163.20
2016-06-30 1,380.60 2,436.60 161.30
2016-03-31 1,454.20 2,381.30 172.10
2015-12-31 1,369.90 2,204.60 148.60
2015-09-30 1,390.00 2,218.70 142.40
2015-06-30 1,449.30 2,881.00 772.60
2015-03-31 732.30 2,976.40 102.30
2014-12-31 771.10 2,939.90 89.70
2014-09-30 786.70 2,897.20 114.90
2014-06-30 817.10 2,903.50 93.20
2014-03-31 709.70 2,891.50 59.40
2013-12-31 732.10 2,866.90 111.20
2013-09-30 757.30 2,726.60 117.50
2013-06-30 763.30 2,666.70 130.20
2013-03-31 792.70 2,674.40 117.40
2012-12-31 810.80 2,680.90 154.30
  • TransUnion's level of debt (188.1%) compared to net worth is high (greater than 40%).
  • The level of debt compared to net worth has been reduced over the past 5 years (355.5% vs 188.1% today).
  • Debt is not well covered by operating cash flow (15.8%, less than 20% of total debt).
  • Interest payments on debt are well covered by earnings (EBIT is 3.1x coverage).
X
Financial health checks
We assess TransUnion's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. TransUnion has a total score of 3/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

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

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0.36%
Current annual income from TransUnion dividends. Estimated to be 0.4% next year.
If you bought $2,000 of TransUnion shares you are expected to receive $7 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • TransUnion's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).
  • TransUnion's dividend is below the markets top 25% of dividend payers in United States of America (3.84%).
Upcoming dividend payment

Purchase TransUnion before the 'Ex-dividend' to receive their next dividend payment.

Dividends are usually paid every 3 or 6 months, you can time your share purchase to take advantage of upcoming dividend payments.
Dividend payment calendar
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
NYSE:TRU Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 14 Analyst Estimates (S&P Global) See Below
United States of America Professional Services Industry Average Dividend Yield Market Cap Weighted Average of 21 Stocks 1.5%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2009 Stocks 2.5%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.5%
United States of America Top 25% Dividend Yield 75th Percentile 3.8%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

NYSE:TRU Future Dividends Estimate Data
Date (Data in $) Dividend per Share (annual) Avg. No. Analysts
2023-12-31
2022-12-31
2021-12-31 0.35 5.00
2020-12-31 0.33 8.00
2019-12-31 0.31 7.00
NYSE:TRU Past Annualized Dividends Data
Date (Data in $) Dividend per share (annual) Avg. Yield (%)
2019-08-08 0.300 0.366
2019-04-23 0.300 0.420
2019-02-21 0.300 0.452
2018-11-07 0.300 0.500
2018-08-08 0.300 0.418
2018-05-09 0.300 0.418

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • TransUnion is not paying a notable dividend for United States of America, therefore no need to check if the payments are stable.
  • TransUnion is not paying a notable dividend for United States of America, therefore no need to check if the payments are increasing.
Current Payout to shareholders
What portion of TransUnion's earnings are paid to the shareholders as a dividend.
  • No need to calculate the sustainability of TransUnion's dividends as it is not paying a notable one for United States of America.
Future Payout to shareholders
  • No need to calculate the sustainability of TransUnion's dividends in 3 years as they are not expected to pay a notable one for United States of America.
X
Income/ dividend checks
We assess TransUnion's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can TransUnion afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. TransUnion has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of TransUnion's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Chris Cartwright
COMPENSATION $6,257,515
AGE 54
TENURE AS CEO 0.3 years
CEO Bio

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 Information Services at TransUnion. Mr. Cartwright was an Executive Vice President of US Information Services at TransUnion since August 19, 2013. Mr. Cartwright served as an Executive Vice President of U.S. Information Services at TransUnion LLC since August 2013. Mr. Cartwright served as Executive Vice President of U.S. Information Services at TransUnion Intermediate Holdings, Inc. since August 2013. Mr. Cartwright serves as Principal Executive Officer and President at Visionary Systems Inc., Transunion Teledata, LLC, TransUnion Rental Screening Solutions, Inc. and Diversified Data Development Corp. He served as the President of U.S. Information Services at TransUnion Corp. since August 13, 2013. He has more than 20 years of experience across a range of industries, including information management and technology. Mr. Cartwright served as the Chief Executive Officer of Decision Insight Information Group Inc. from December 2010 to March 2013, where he managed an operational transformation for its private equity owners. He served as the Chief Executive Officer of Marshall & Swift / Boeckh, LLC. From June 1997 to October 2010, he held a variety of positions at Wolters Kluwer. He served as the Chief Executive Officer of Wolters Kluwer U.S. Corporation (also known as Wolters Kluwer United States, Inc.). He served as the Chief Executive Officer of Wolters Kluwer Shared Services and President of North America Shared Services at Wolters Kluwer NV. He served as the Chief Executive Officer of Wolters Kluwer Financial Services, Inc. (formerly Wolters Kluwer Corporate & Financial Services) since June 2002. He joined Wolters Kluwer in 1997 and served in several positions including Chief Operating Officer of Legal, Tax & Business North America and President and Chief Executive Officer of CCH Legal Information Services. He served as President of Wolters Kluwer North America Shared Services of Wolters Kluwer NV. Prior to Wolters Kluwer, he was Senior Vice President, Strategic Planning & Operations for Christie’s Inc. from June 1990 to June 1997 and Strategy Consultant for Coopers and Lybrand from August 1998 to May 1990. He serves as Chairman of the Board of TransUnion Rental Screening Solutions, Inc. Mr. Cartwright serves as a Director of Visionary Systems Inc. He served as Director of Symbility Solutions Inc. from March 27, 2012 to March 18, 2013. Mr. Cartwright holds an M.P.A. and a B.B.A. from The University of Texas at Austin.

CEO Compensation
  • Chris's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.
  • Chris's remuneration is lower than average for companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the TransUnion management team in years:

0.9
Average Tenure
53
Average Age
  • The average tenure for the TransUnion management team is less than 2 years, this suggests a new team.
Management Team

Chris Cartwright

TITLE
President
COMPENSATION
$6M
AGE
54
TENURE
0.3 yrs

Todd Cello

TITLE
Executive VP & CFO
COMPENSATION
$2M
AGE
43
TENURE
2 yrs

Jim Peck

TITLE
Consultant & Director
COMPENSATION
$12M
AGE
56
TENURE
0.3 yrs

David Neenan

TITLE
Executive Vice President of International
COMPENSATION
$6M
AGE
53
TENURE
6.9 yrs

John Danaher

TITLE
Executive Vice President of Consumer Interactive
COMPENSATION
$3M
AGE
55

Richard Mauldin

TITLE
Executive Vice President of Operations
TENURE
0.3 yrs

Tim Elberfeld

TITLE
Chief Accounting Officer
TENURE
3.6 yrs

Abhi Dhar

TITLE
Executive VP and Chief Information & Technology Officer
AGE
47
TENURE
0.6 yrs

Aaron Hoffman

TITLE
Vice President of Investor Relations

Heather Russell

TITLE
Executive VP & Chief Legal Officer
AGE
47
TENURE
1.2 yrs
Board of Directors Tenure

Average tenure and age of the TransUnion board of directors in years:

4.2
Average Tenure
60
Average Age
  • The tenure for the TransUnion board of directors is about average.
Board of Directors

Leo Mullin

TITLE
Chairman of the Board
COMPENSATION
$362K
AGE
76
TENURE
4.5 yrs

Chris Cartwright

TITLE
President
COMPENSATION
$6M
AGE
54
TENURE
0.3 yrs

Jim Peck

TITLE
Consultant & Director
COMPENSATION
$12M
AGE
56
TENURE
6.7 yrs

Jonathan McDonald

TITLE
Executive VP of Government Information Solutions Business Unit & Member of Government Advisory Board
TENURE
3.3 yrs

Andrew Prozes

TITLE
Director
COMPENSATION
$277K
AGE
73
TENURE
5.6 yrs

Pam Joseph

TITLE
Director
COMPENSATION
$275K
AGE
60
TENURE
3.9 yrs

Bobby Mehta

TITLE
Director
COMPENSATION
$235K
AGE
61
TENURE
7.3 yrs

George Awad

TITLE
Director
COMPENSATION
$245K
AGE
59
TENURE
5.8 yrs

Chuck Alsup

TITLE
Member of Government Advisory Board
TENURE
3.3 yrs

Roger Baker

TITLE
Member of Government Advisory Board
TENURE
3.3 yrs
Who owns this company?
Recent Insider Trading
  • TransUnion individual insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
14. Aug 19 Sell Harrow Neenan Llc Company 09. Aug 19 09. Aug 19 -16,775 $84.00 $-1,409,100
06. Aug 19 Sell Andrew Prozes Individual 02. Aug 19 06. Aug 19 -7,703 $82.01 $-631,518
31. Jul 19 Sell Richard Mauldin Individual 29. Jul 19 29. Jul 19 -2,919 $82.76 $-241,576
30. Jul 19 Sell Christopher Cartwright Individual 29. Jul 19 29. Jul 19 -44,040 $83.30 $-3,668,532
X
Management checks
We assess TransUnion's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. TransUnion has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

The Executive Vice President of Operations of TransUnion (NYSE:TRU), Richard Mauldin, Just Sold -57.000585% Of Their Holding

See our latest analysis for TransUnion The Last 12 Months Of Insider Transactions At TransUnion In the last twelve months, the biggest single sale by an insider was when the President, Christopher Cartwright, sold US$3.7m worth of shares at a price of US$83.30 per share. … TransUnion insiders own about US$60m worth of shares. … Insiders haven't bought TransUnion stock in the last three months, but there was some selling.

Simply Wall St -

Should TransUnion’s (NYSE:TRU) Weak Investment Returns Worry You?

Last but not least, we'll look at what impact its current liabilities have on its ROCE. … Analysts use this formula to calculate return on capital employed: Return on Capital Employed = Earnings Before Interest and Tax (EBIT) ÷ (Total Assets - Current Liabilities) Or for TransUnion: 0.082 = US$535m ÷ (US$7.1b - US$576m) (Based on the trailing twelve months to June 2019.) So, TransUnion has an ROCE of 8.2%. … Due to the way ROCE is calculated, a high level of current liabilities makes a company look as though it has less capital employed, and thus can (sometimes unfairly) boost the ROCE.

Simply Wall St -

Introducing TransUnion (NYSE:TRU), The Stock That Zoomed 144% In The Last Three Years

On top of that, the share price is up 20% in about a quarter. … During three years of share price growth, TransUnion achieved compound earnings per share growth of 118% per year. … NYSE:TRU Past and Future Earnings, July 24th 2019 It's probably worth noting we've seen significant insider buying in the last quarter, which we consider a positive.

Simply Wall St -

Should We Worry About TransUnion's (NYSE:TRU) P/E Ratio?

See our latest analysis for TransUnion How Do I Calculate TransUnion's Price To Earnings Ratio? … The formula for price to earnings is: Price to Earnings Ratio = Share Price ÷ Earnings per Share (EPS) Or for TransUnion: P/E of 49.65 = $74.35 ÷ $1.5 (Based on the year to March 2019.) Is A High Price-to-Earnings Ratio Good? … A higher P/E ratio means that investors are paying a higher price for each $1 of company earnings.

Simply Wall St -

Is It Too Late To Buy TransUnion (NYSE:TRU) At Its June Price?

Growth expectations for TransUnion (NYSE:TRU) are high, but many investors are starting to ask whether its last close at $72.86 can still be rationalized by the future potential. … As Warren Buffett’s right-hand man Charlie Munger said, “No matter how wonderful a business is, it’s not worth an infinite price.” TransUnion is available at price-to-earnings ratio of 48.66x, showing us it is overvalued compared to the US market average ratio of 17.9x , and overvalued based on current earnings compared to the Professional Services industry average of 21.51x. … But, seeing as TransUnion is perceived as a high-growth stock, we must also account for its earnings growth, which is captured in the PEG ratio.

Simply Wall St -

What Is TransUnion's (NYSE:TRU) Share Price Doing?

This means that if you believe the current share price should move towards its intrinsic value over time, a low beta could suggest it is not likely to reach that level anytime soon, and once it’s there, it may be hard to fall back down into an attractive buying range again. … Buying a great company with a robust outlook at a cheap price is always a good investment, so let’s also take a look at the company's future expectations. … TRU’s optimistic future growth appears to have been factored into the current share price, with shares trading above its fair value.

Simply Wall St -

Is TransUnion's (NYSE:TRU) 14% ROE Better Than Average?

With that in mind, this article will work through how we can use Return On Equity (ROE) to better understand a business. … Another way to think of that is that for every $1 worth of equity in the company, it was able to earn $0.14. … Return on Equity = Net Profit ÷ Shareholders' Equity

Simply Wall St -

TransUnion’s (NYSE:TRU) Investment Returns Are Lagging Its Industry

Specifically, we'll consider its Return On Capital Employed (ROCE), since that will give us an insight into how efficiently the business can generate profits from the capital it requires. … Return On Capital Employed (ROCE): What is it? … ROCE is a measure of a company's yearly pre-tax profit (its return), relative to the capital employed in the business.

Simply Wall St -

Is TransUnion's (NYSE:TRU) High P/E Ratio A Problem For Investors?

Looking at earnings over the last twelve months, TransUnion has a P/E ratio of 45.39. … How Do I Calculate TransUnion's Price To Earnings Ratio … Price to Earnings Ratio = Share Price ÷ Earnings per Share (EPS)

Simply Wall St -

What Did TransUnion's (NYSE:TRU) CEO Take Home Last Year?

This analysis aims first to contrast CEO compensation with other large companies. … How Does Jim Peck's Compensation Compare With Similar Sized Companies. … We looked at a group of companies with market capitalizations over US$8.0b and the median CEO total compensation was US$11m

Simply Wall St -

Company Info

Description

TransUnion provides risk and information solutions. The company operates in three segments: U.S. Information Services (USIS), International, and Consumer Interactive. The USIS segment provides consumer reports, risk scores, and analytical and 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 service, insurance, healthcare, collection, property management, public sector, 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, insurance, automotive, collections, 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, the United Kingdom, 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.

Details
Name: TransUnion
TRU
Exchange: NYSE
Founded: 1968
$15,450,306,000
187,800,000
Website: http://www.transunion.com
Address: TransUnion
555 West Adams Street,
Chicago,
Illinois, 60661,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NYSE TRU Common Stock New York Stock Exchange US USD 25. Jun 2015
DB 1TU Common Stock Deutsche Boerse AG DE EUR 25. Jun 2015
Number of employees
Current staff
Staff numbers
7,100
TransUnion employees.
Industry
Research and Consulting Services
Commercial Services
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/08/18 00:47
End of day share price update: 2019/08/16 00:00
Last estimates confirmation: 2019/07/30
Last earnings filing: 2019/07/23
Last earnings reported: 2019/06/30
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.