(TRU) TransUnion - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US89400J1079

TRU: Credit Reports, Risk Management, Analytics, Identity Verification, Fraud Detection

TransUnion is a global leader in consumer credit reporting and information solutions, operating at the intersection of data, analytics, and technology. The company serves as a critical infrastructure provider, enabling businesses to make informed decisions about credit risk, identity verification, and portfolio management. Its services are deeply embedded across various industries, including financial services, insurance, automotive, and telecommunications.

The company is organized into three main segments: U.S. Markets, International, and Consumer Interactive. The U.S. Markets segment provides actionable insights and analytic tools to businesses, helping them acquire customers, manage debt portfolios, and mitigate fraud. This segment is a cornerstone of TransUnions business, serving industries like financial services, technology, and government sectors. The International segment expands these capabilities globally, offering credit reports, analytics, and risk management solutions in over 30 countries. The Consumer Interactive segment focuses on empowering individuals to monitor and manage their financial health through direct-to-consumer services like credit monitoring and fraud protection.

TransUnions financial profile reflects its position as a mature, cash-generative business. With a market capitalization of ~$19.3 billion, the company trades at a trailing P/E of 87.06 and a forward P/E of 22.88, suggesting expectations of steady growth. The price-to-book ratio of 4.61 indicates a premium valuation relative to its book value, likely due to its intangible assets and intellectual property. The price-to-sales ratio of 4.72 highlights its ability to generate revenue from its data-driven business model.

Founded in 1968 and headquartered in Chicago, Illinois, TransUnion has evolved from a traditional credit bureau into a global data and analytics powerhouse. Its ability to leverage consumer and commercial data, combined with advanced analytics, positions it as a key player in the digital economy. For investors, the companys recurring revenue streams, high margins, and global expansion opportunities make it an attractive candidate for long-term growth in the financial technology and information services space.

Additional Sources for TRU Stock

TRU Stock Overview

Market Cap in USD 18,217m
Sector Financial Services
Industry Financial Data & Stock Exchanges
GiC Sub-Industry Research & Consulting Services
IPO / Inception 2015-06-25

TRU Stock Ratings

Growth 5y 4.67%
Fundamental -8.73%
Dividend 55.5%
Rel. Strength Industry 9.36
Analysts 4.26/5
Fair Price Momentum 84.83 USD
Fair Price DCF 16.22 USD

TRU Dividends

Dividend Yield 12m 0.43%
Yield on Cost 5y 0.44%
Annual Growth 5y 6.96%
Payout Consistency 98.8%

TRU Growth Ratios

Growth Correlation 3m -34.1%
Growth Correlation 12m 73.2%
Growth Correlation 5y -23.8%
CAGR 5y 0.40%
CAGR/Mean DD 5y 0.02
Sharpe Ratio 12m 0.84
Alpha -12.33
Beta 1.93
Volatility 29.35%
Current Volume 1767.5k
Average Volume 20d 1647.4k
What is the price of TRU stocks?
As of February 19, 2025, the stock is trading at USD 97.08 with a total of 1,767,479 shares traded.
Over the past week, the price has changed by +3.31%, over one month by +0.75%, over three months by +0.26% and over the past year by +30.77%.
Is TransUnion a good stock to buy?
Neither. Based on ValueRay Fundamental Analyses, TransUnion is currently (February 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of -8.73 and therefor a neutral outlook according to the companies health.
Based on ValueRays Analyses, Dividends and Discounted-Cash-Flow, the Fair Value of TRU as of February 2025 is 84.83. This means that TRU is currently overvalued and has a potential downside of -12.62%.
Is TRU a buy, sell or hold?
TransUnion has received a consensus analysts rating of 4.26. Therefor, it is recommend to buy TRU.
  • Strong Buy: 10
  • Buy: 4
  • Hold: 5
  • Sell: 0
  • Strong Sell: 0
What are the forecast for TRU stock price target?
According to ValueRays Forecast Model, TRU TransUnion will be worth about 101.8 in February 2026. The stock is currently trading at 97.08. This means that the stock has a potential upside of +4.86%.
Issuer Forecast Upside
Wallstreet Target Price 117.7 21.3%
Analysts Target Price 120 23.6%
ValueRay Target Price 101.8 4.9%