(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
Tweets: X Stocktwits
Fund Manager Positions: Dataroma Stockcircle
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 |
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%.
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%.
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
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% |