(TRU) TransUnion - Ratings and Ratios
Credit Reports, Risk Analytics, Identity Verification, Consumer Monitoring, Debt Recovery
TRU EPS (Earnings per Share)
TRU Revenue
Description: TRU TransUnion October 30, 2025
TransUnion (NYSE: TRU) is a global consumer-credit reporting firm that delivers risk-management and information-services solutions across two operating segments: U.S. Markets and International. The U.S. segment supplies credit reporting, analytics, identity-verification, fraud-prevention, and debt-recovery tools to financial institutions and a range of non-financial sectors (insurance, retail, telecom, etc.), while also offering consumer-facing products such as credit scores, monitoring, and identity-protection services. The International segment extends similar credit-reporting, analytics, and technology solutions to customers in financial services, retail credit, insurance, automotive, collections, public-sector, and communications markets worldwide.
Key recent performance indicators (FY 2023) include total revenue of roughly **$7.5 billion**, an operating margin of **~30 %**, and a **5-year compound annual growth rate (CAGR) of ~6 %** in the U.S. Markets segment driven by expanding data-as-a-service contracts. The company reported **over 30 million** active consumer-credit-monitoring subscribers, a metric that has been rising at ~8 % year-over-year as demand for identity-protection intensifies.
Sector-level drivers that materially affect TransUnion’s outlook are: (1) the **U.S. interest-rate environment**, which influences credit-card and loan origination volumes and thus the need for credit-risk data; (2) **regulatory trends** around data privacy (e.g., GDPR, CCPA) that increase demand for compliant identity-verification solutions; and (3) the **digital-identity and fintech adoption curve**, where banks and e-commerce platforms are accelerating the integration of real-time risk-analytics APIs-a market projected to grow at **~12 % CAGR** through 2028.
For a deeper, data-driven analysis of TRU’s valuation multiples, growth assumptions, and scenario modeling, the ValueRay platform provides a comprehensive toolkit that can help you test the sensitivity of key drivers and refine your investment thesis.
TRU Stock Overview
| Market Cap in USD | 15,765m |
| Sub-Industry | Research & Consulting Services |
| IPO / Inception | 2015-06-25 |
TRU Stock Ratings
| Growth Rating | -15.9% |
| Fundamental | 62.7% |
| Dividend Rating | 56.1% |
| Return 12m vs S&P 500 | -33.3% |
| Analyst Rating | 4.20 of 5 |
TRU Dividends
| Dividend Yield 12m | 0.56% |
| Yield on Cost 5y | 0.48% |
| Annual Growth 5y | 8.78% |
| Payout Consistency | 98.8% |
| Payout Ratio | 10.7% |
TRU Growth Ratios
| Growth Correlation 3m | -71.4% |
| Growth Correlation 12m | -54.8% |
| Growth Correlation 5y | -25.4% |
| CAGR 5y | 8.08% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.17 |
| CAGR/Mean DD 3y (Pain Ratio) | 0.66 |
| Sharpe Ratio 12m | -0.78 |
| Alpha | -47.27 |
| Beta | 1.713 |
| Volatility | 35.29% |
| Current Volume | 1959.1k |
| Average Volume 20d | 2765.9k |
| Stop Loss | 77.3 (-4%) |
| Signal | 0.30 |
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income (420.5m TTM) > 0 and > 6% of Revenue (6% = 266.5m TTM) |
| FCFTA 0.05 (>2.0%) and ΔFCFTA 0.83pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 22.38% (prev 16.44%; Δ 5.94pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.08 (>3.0%) and CFO 922.1m > Net Income 420.5m (YES >=105%, WARN >=100%) |
| Net Debt (4.43b) to EBITDA (1.40b) ratio: 3.16 <= 3.0 (WARN <= 3.5) |
| Current Ratio 2.01 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (197.2m) change vs 12m ago 0.10% (target <= -2.0% for YES) |
| Gross Margin 52.82% (prev 58.41%; Δ -5.59pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 40.08% (prev 37.10%; Δ 2.97pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 3.55 (EBITDA TTM 1.40b / Interest Expense TTM 236.3m) >= 6 (WARN >= 3) |
Altman Z'' 2.24
| (A) 0.09 = (Total Current Assets 1.98b - Total Current Liabilities 984.9m) / Total Assets 11.11b |
| (B) 0.24 = Retained Earnings (Balance) 2.64b / Total Assets 11.11b |
| (C) 0.08 = EBIT TTM 837.7m / Avg Total Assets 11.08b |
| (D) 0.35 = Book Value of Equity 2.31b / Total Liabilities 6.53b |
| Total Rating: 2.24 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 62.74
| 1. Piotroski 5.0pt = 0.0 |
| 2. FCF Yield 2.85% = 1.43 |
| 3. FCF Margin 12.96% = 3.24 |
| 4. Debt/Equity 1.16 = 1.87 |
| 5. Debt/Ebitda 3.16 = -1.97 |
| 6. ROIC - WACC (= -3.61)% = -4.51 |
| 7. RoE 9.56% = 0.80 |
| 8. Rev. Trend 96.57% = 7.24 |
| 9. EPS Trend 93.04% = 4.65 |
What is the price of TRU shares?
Over the past week, the price has changed by -0.79%, over one month by +5.49%, over three months by -11.00% and over the past year by -23.90%.
Is TransUnion a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of TRU is around 68.99 USD . This means that TRU is currently overvalued and has a potential downside of -14.34%.
Is TRU a buy, sell or hold?
- Strong Buy: 10
- Buy: 5
- Hold: 4
- Sell: 1
- Strong Sell: 0
What are the forecasts/targets for the TRU price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 106.7 | 32.5% |
| Analysts Target Price | 106.7 | 32.5% |
| ValueRay Target Price | 77.6 | -3.7% |
TRU Fundamental Data Overview November 02, 2025
P/E Trailing = 37.9346
P/E Forward = 15.0376
P/S = 3.5493
P/B = 3.1679
P/EG = 1.1564
Beta = 1.713
Revenue TTM = 4.44b USD
EBIT TTM = 837.7m USD
EBITDA TTM = 1.40b USD
Long Term Debt = 5.08b USD (from longTermDebt, last fiscal year)
Short Term Debt = 104.9m USD (from shortTermDebt, last quarter)
Debt = 5.18b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 4.43b USD (from netDebt column, last quarter)
Enterprise Value = 20.19b USD (15.77b + Debt 5.18b - CCE 752.5m)
Interest Coverage Ratio = 3.55 (Ebit TTM 837.7m / Interest Expense TTM 236.3m)
FCF Yield = 2.85% (FCF TTM 575.7m / Enterprise Value 20.19b)
FCF Margin = 12.96% (FCF TTM 575.7m / Revenue TTM 4.44b)
Net Margin = 9.47% (Net Income TTM 420.5m / Revenue TTM 4.44b)
Gross Margin = 52.82% ((Revenue TTM 4.44b - Cost of Revenue TTM 2.10b) / Revenue TTM)
Gross Margin QoQ = 46.48% (prev 46.25%)
Tobins Q-Ratio = 1.82 (Enterprise Value 20.19b / Total Assets 11.11b)
Interest Expense / Debt = 1.21% (Interest Expense 62.5m / Debt 5.18b)
Taxrate = 33.31% (50.0m / 150.1m)
NOPAT = 558.7m (EBIT 837.7m * (1 - 33.31%))
Current Ratio = 2.01 (Total Current Assets 1.98b / Total Current Liabilities 984.9m)
Debt / Equity = 1.16 (Debt 5.18b / totalStockholderEquity, last quarter 4.47b)
Debt / EBITDA = 3.16 (Net Debt 4.43b / EBITDA 1.40b)
Debt / FCF = 7.69 (Net Debt 4.43b / FCF TTM 575.7m)
Total Stockholder Equity = 4.40b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.78% (Net Income 420.5m / Total Assets 11.11b)
RoE = 9.56% (Net Income TTM 420.5m / Total Stockholder Equity 4.40b)
RoCE = 8.84% (EBIT 837.7m / Capital Employed (Equity 4.40b + L.T.Debt 5.08b))
RoIC = 5.87% (NOPAT 558.7m / Invested Capital 9.51b)
WACC = 9.48% (E(15.77b)/V(20.94b) * Re(12.33%) + D(5.18b)/V(20.94b) * Rd(1.21%) * (1-Tc(0.33)))
Discount Rate = 12.33% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 81.65 | Cagr: 1.03%
[DCF Debug] Terminal Value 68.28% ; FCFE base≈537.7m ; Y1≈647.6m ; Y5≈1.05b
Fair Price DCF = 48.67 (DCF Value 9.45b / Shares Outstanding 194.2m; 5y FCF grow 21.82% → 3.0% )
EPS Correlation: 93.04 | EPS CAGR: 13.32% | SUE: 1.18 | # QB: 3
Revenue Correlation: 96.57 | Revenue CAGR: 9.90% | SUE: 1.96 | # QB: 3
Additional Sources for TRU Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle