(TRU) TransUnion - Overview
Stock: Credit Reports, Scoring, Analytics, Identity Verification
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 0.54% |
| Yield on Cost 5y | 0.51% |
| Yield CAGR 5y | 6.32% |
| Payout Consistency | 98.9% |
| Payout Ratio | 14.2% |
| Risk 5d forecast | |
|---|---|
| Volatility | 53.4% |
| Relative Tail Risk | -7.57% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.36 |
| Alpha | -44.50 |
| Character TTM | |
|---|---|
| Beta | 1.622 |
| Beta Downside | 1.747 |
| Drawdowns 3y | |
|---|---|
| Max DD | 47.27% |
| CAGR/Max DD | 0.07 |
Description: TRU TransUnion January 02, 2026
TransUnion (NYSE:TRU) is a global consumer-credit reporting firm that delivers risk-management and information-services solutions through two operating segments: U.S. Markets and International. The U.S. segment supplies credit reporting, analytics, identity-verification, debt-recovery, and a suite of fintech-oriented products to financial institutions, insurers, retailers, telecoms, and public-sector entities, while also offering consumer-facing services such as credit monitoring and identity protection. The International segment provides comparable credit-reporting, analytics, and risk-management tools to customers in financial services, retail, insurance, automotive, and communications markets across more than 30 countries.
Key metrics that shape TransUnion’s outlook include FY 2023 revenue of roughly $7.5 billion (≈5 % YoY growth) and a diversified earnings mix, with U.S. operations contributing about 70 % of total revenue. The broader U.S. credit-reporting market is estimated at $30 billion, driven by rising fintech adoption and stricter regulatory demands for data accuracy and consumer protection. Macro-economic drivers such as the Federal Reserve’s interest-rate policy and employment trends directly affect credit-card usage and loan origination volumes, which in turn influence TransUnion’s data-generation volume and pricing power.
For a deeper, data-rich assessment of TransUnion’s valuation dynamics, you may find ValueRay’s analytical dashboards useful as a next step in your research.
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income: 420.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.05 > 0.02 and ΔFCF/TA 0.83 > 1.0 |
| NWC/Revenue: 22.38% < 20% (prev 16.44%; Δ 5.94% < -1%) |
| CFO/TA 0.08 > 3% & CFO 922.1m > Net Income 420.5m |
| Net Debt (4.43b) to EBITDA (1.40b): 3.16 < 3 |
| Current Ratio: 2.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (197.2m) vs 12m ago 0.10% < -2% |
| Gross Margin: 52.82% > 18% (prev 0.58%; Δ 5223 % > 0.5%) |
| Asset Turnover: 40.08% > 50% (prev 37.10%; Δ 2.97% > 0%) |
| Interest Coverage Ratio: 3.54 > 6 (EBITDA TTM 1.40b / Interest Expense TTM 236.3m) |
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 2.64b / Total Assets 11.11b) |
| C: 0.08 (EBIT TTM 837.6m / Avg Total Assets 11.08b) |
| D: 0.35 (Book Value of Equity 2.31b / Total Liabilities 6.53b) |
| Altman-Z'' Score: 2.24 = BBB |
Beneish M -2.82
| DSRI: 1.15 (Receivables 991.7m/798.4m, Revenue 4.44b/4.10b) |
| GMI: 1.11 (GM 52.82% / 58.41%) |
| AQI: 0.96 (AQ_t 0.80 / AQ_t-1 0.83) |
| SGI: 1.08 (Revenue 4.44b / 4.10b) |
| TATA: -0.05 (NI 420.5m - CFO 922.1m) / TA 11.11b) |
| Beneish M-Score: -2.82 (Cap -4..+1) = A |
What is the price of TRU shares?
Over the past week, the price has changed by -2.93%, over one month by -14.55%, over three months by -6.69% and over the past year by -20.37%.
Is TRU a buy, sell or hold?
- StrongBuy: 10
- Buy: 5
- Hold: 4
- Sell: 1
- StrongSell: 0
What are the forecasts/targets for the TRU price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 105.3 | 40.4% |
| Analysts Target Price | 105.3 | 40.4% |
| ValueRay Target Price | 74.2 | -1% |
TRU Fundamental Data Overview February 09, 2026
P/E Forward = 15.2207
P/S = 3.2225
P/B = 3.1899
P/EG = 1.17
Revenue TTM = 4.44b USD
EBIT TTM = 837.6m USD
EBITDA TTM = 1.40b USD
Long Term Debt = 5.04b USD (from longTermDebt, last quarter)
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 = 18.74b USD (14.31b + Debt 5.18b - CCE 749.9m)
Interest Coverage Ratio = 3.54 (Ebit TTM 837.6m / Interest Expense TTM 236.3m)
EV/FCF = 32.56x (Enterprise Value 18.74b / FCF TTM 575.7m)
FCF Yield = 3.07% (FCF TTM 575.7m / Enterprise Value 18.74b)
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 = 1.69 (Enterprise Value 18.74b / Total Assets 11.11b)
Interest Expense / Debt = 1.21% (Interest Expense 62.5m / Debt 5.18b)
Taxrate = 33.31% (50.0m / 150.1m)
NOPAT = 558.6m (EBIT 837.6m * (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 = 3.79% (Net Income 420.5m / Total Assets 11.11b)
RoE = 9.56% (Net Income TTM 420.5m / Total Stockholder Equity 4.40b)
RoCE = 8.88% (EBIT 837.6m / Capital Employed (Equity 4.40b + L.T.Debt 5.04b))
RoIC = 5.86% (NOPAT 558.6m / Invested Capital 9.53b)
WACC = 8.95% (E(14.31b)/V(19.49b) * Re(11.89%) + D(5.18b)/V(19.49b) * Rd(1.21%) * (1-Tc(0.33)))
Discount Rate = 11.89% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 0.74%
[DCF Debug] Terminal Value 77.88% ; FCFF base≈537.7m ; Y1≈647.6m ; Y5≈1.04b
Fair Price DCF = 53.72 (EV 14.86b - Net Debt 4.43b = Equity 10.43b / Shares 194.2m; r=8.95% [WACC]; 5y FCF grow 21.82% → 2.90% )
EPS Correlation: -20.64 | EPS CAGR: -47.24% | SUE: -4.0 | # QB: 0
Revenue Correlation: 82.74 | Revenue CAGR: 17.00% | SUE: 1.96 | # QB: 3
EPS next Quarter (2026-03-31): EPS=1.16 | Chg30d=+0.001 | Revisions Net=+0 | Analysts=16
EPS next Year (2026-12-31): EPS=4.86 | Chg30d=-0.003 | Revisions Net=+2 | Growth EPS=+14.0% | Growth Revenue=+8.4%