(TRU) TransUnion - Ratings and Ratios
CreditReports, RiskSolutions, IdentityVerification, Analytics, ScoringProducts
TRU EPS (Earnings per Share)
TRU Revenue
Description: TRU TransUnion
TransUnion is a global consumer credit reporting agency that provides risk and information solutions through two main segments: U.S. Markets and International. The company offers a range of services, including credit reporting, analytics, and identity verification, to financial services, insurance, and other industries. Additionally, it provides credit reports and scores, credit monitoring, and identity protection to consumers.
Key Performance Indicators (KPIs) for TransUnion include revenue growth, customer acquisition, and data penetration. The companys ability to leverage its vast database of consumer credit information to provide actionable insights to businesses is a key driver of its success. With a strong presence in both the U.S. and international markets, TransUnion is well-positioned to capitalize on the growing demand for credit reporting and risk management services.
Some key metrics to evaluate TransUnions performance include its revenue diversification across different segments and geographies, its ability to maintain a high level of data accuracy and security, and its investment in emerging technologies such as artificial intelligence and machine learning. The companys return on equity (RoE) of 8.67% and forward P/E ratio of 22.37 suggest a reasonable valuation, considering its growth prospects and industry position.
TransUnions competitive advantage lies in its extensive database of consumer credit information, its diversified revenue streams, and its strong brand recognition. As the demand for credit reporting and risk management services continues to grow, driven by the increasing need for businesses to manage risk and make informed decisions, TransUnion is poised to remain a leading player in the industry.
TRU Stock Overview
| Market Cap in USD | 16,759m |
| Sub-Industry | Research & Consulting Services |
| IPO / Inception | 2015-06-25 |
TRU Stock Ratings
| Growth Rating | -8.61% |
| Fundamental | 64.1% |
| Dividend Rating | 54.4% |
| Return 12m vs S&P 500 | -24.7% |
| Analyst Rating | 4.20 of 5 |
TRU Dividends
| Dividend Yield 12m | 0.50% |
| Yield on Cost 5y | 0.53% |
| Annual Growth 5y | 6.96% |
| Payout Consistency | 98.8% |
| Payout Ratio | 10.8% |
TRU Growth Ratios
| Growth Correlation 3m | -0.7% |
| Growth Correlation 12m | -64.3% |
| Growth Correlation 5y | -24% |
| CAGR 5y | 11.90% |
| CAGR/Max DD 3y | 0.25 |
| CAGR/Mean DD 3y | 1.08 |
| Sharpe Ratio 12m | -0.43 |
| Alpha | 0.01 |
| Beta | 0.838 |
| Volatility | 40.38% |
| Current Volume | 2590.3k |
| Average Volume 20d | 1879.9k |
| Stop Loss | 86.2 (-4.2%) |
| Signal | 0.87 |
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income (391.9m TTM) > 0 and > 6% of Revenue (6% = 261.4m TTM) |
| FCFTA 0.04 (>2.0%) and ΔFCFTA 0.83pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 22.14% (prev 15.39%; Δ 6.75pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.07 (>3.0%) and CFO 827.1m > Net Income 391.9m (YES >=105%, WARN >=100%) |
| Net Debt (4.51b) to EBITDA (1.34b) ratio: 3.36 <= 3.0 (WARN <= 3.5) |
| Current Ratio 2.02 (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 1.02% (target <= -2.0% for YES) |
| Gross Margin 55.97% (prev 59.20%; Δ -3.23pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 39.36% (prev 36.14%; Δ 3.21pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 3.28 (EBITDA TTM 1.34b / Interest Expense TTM 240.4m) >= 6 (WARN >= 3) |
Altman Z'' 2.17
| (A) 0.09 = (Total Current Assets 1.91b - Total Current Liabilities 941.1m) / Total Assets 11.12b |
| (B) 0.23 = Retained Earnings (Balance) 2.57b / Total Assets 11.12b |
| (C) 0.07 = EBIT TTM 788.4m / Avg Total Assets 11.07b |
| (D) 0.35 = Book Value of Equity 2.26b / Total Liabilities 6.49b |
| Total Rating: 2.17 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 64.11
| 1. Piotroski 5.0pt = 0.0 |
| 2. FCF Yield 2.34% = 1.17 |
| 3. FCF Margin 11.40% = 2.85 |
| 4. Debt/Equity 1.14 = 1.88 |
| 5. Debt/Ebitda 3.85 = -2.48 |
| 6. ROIC - WACC (= -0.89)% = -1.11 |
| 7. RoE 9.04% = 0.75 |
| 8. Rev. Trend 94.33% = 7.08 |
| 9. EPS Trend 79.37% = 3.97 |
What is the price of TRU shares?
Over the past week, the price has changed by -3.98%, over one month by +2.05%, over three months by +4.90% and over the past year by -10.62%.
Is TransUnion a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of TRU is around 78.60 USD . This means that TRU is currently overvalued and has a potential downside of -12.65%.
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 | 113.2 | 25.8% |
| Analysts Target Price | 113.2 | 25.8% |
| ValueRay Target Price | 86.6 | -3.8% |
Last update: 2025-09-05 05:04
TRU Fundamental Data Overview
CCE Cash And Equivalents = 687.5m USD (last quarter)
P/E Trailing = 43.2312
P/E Forward = 17.5747
P/S = 3.8461
P/B = 3.7075
P/EG = 1.3529
Beta = 1.652
Revenue TTM = 4.36b USD
EBIT TTM = 788.4m USD
EBITDA TTM = 1.34b USD
Long Term Debt = 5.06b USD (from longTermDebt, last quarter)
Short Term Debt = 98.8m USD (from shortTermDebt, last quarter)
Debt = 5.16b USD (Calculated: Short Term 98.8m + Long Term 5.06b)
Net Debt = 4.51b USD (from netDebt column, last quarter)
Enterprise Value = 21.23b USD (16.76b + Debt 5.16b - CCE 687.5m)
Interest Coverage Ratio = 3.28 (Ebit TTM 788.4m / Interest Expense TTM 240.4m)
FCF Yield = 2.34% (FCF TTM 496.6m / Enterprise Value 21.23b)
FCF Margin = 11.40% (FCF TTM 496.6m / Revenue TTM 4.36b)
Net Margin = 8.99% (Net Income TTM 391.9m / Revenue TTM 4.36b)
Gross Margin = 55.97% ((Revenue TTM 4.36b - Cost of Revenue TTM 1.92b) / Revenue TTM)
Tobins Q-Ratio = 9.39 (Enterprise Value 21.23b / Book Value Of Equity 2.26b)
Interest Expense / Debt = 1.08% (Interest Expense 55.7m / Debt 5.16b)
Taxrate = 24.63% (98.8m / 401.1m)
NOPAT = 594.2m (EBIT 788.4m * (1 - 24.63%))
Current Ratio = 2.02 (Total Current Assets 1.91b / Total Current Liabilities 941.1m)
Debt / Equity = 1.14 (Debt 5.16b / last Quarter total Stockholder Equity 4.52b)
Debt / EBITDA = 3.85 (Net Debt 4.51b / EBITDA 1.34b)
Debt / FCF = 10.39 (Debt 5.16b / FCF TTM 496.6m)
Total Stockholder Equity = 4.33b (last 4 quarters mean)
RoA = 3.53% (Net Income 391.9m, Total Assets 11.12b )
RoE = 9.04% (Net Income TTM 391.9m / Total Stockholder Equity 4.33b)
RoCE = 8.39% (Ebit 788.4m / (Equity 4.33b + L.T.Debt 5.06b))
RoIC = 6.26% (NOPAT 594.2m / Invested Capital 9.49b)
WACC = 7.15% (E(16.76b)/V(21.92b) * Re(9.10%)) + (D(5.16b)/V(21.92b) * Rd(1.08%) * (1-Tc(0.25)))
Shares Correlation 3-Years: 80.92 | Cagr: 0.19%
Discount Rate = 9.10% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 76.31% ; FCFE base≈458.3m ; Y1≈513.9m ; Y5≈685.5m
Fair Price DCF = 50.38 (DCF Value 9.81b / Shares Outstanding 194.8m; 5y FCF grow 14.06% → 3.0% )
EPS Correlation: 79.37 | EPS CAGR: 5.94% | SUE: 2.11 | # QB: 2
Revenue Correlation: 94.33 | Revenue CAGR: 7.33%
Additional Sources for TRU Stock
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Fund Manager Positions: Dataroma | Stockcircle