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TransUnion (TRU)TRU
- BUY Advisory
- Profitable SELL
- Loss-Inducing SELL
- Profit
- Loss
- PASS (Skip invest)*
Stock price based on last close (see disclosures)
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Upturn Advisory Summary
11/20/2024: TRU (4-star) is currently NOT-A-BUY. Pass it for now.
Analysis of Past Performance
Type: Stock | Upturn Star Rating | Today’s Advisory: PASS |
Historic Profit: 36.81% | Upturn Advisory Performance  3 | Avg. Invested days: 47 |
| Profits based on simulation | Stock Returns Performance  3 | Last Close 11/20/2024 |
Type: Stock | Today’s Advisory: PASS |
Historic Profit: 36.81% | Avg. Invested days: 47 |
Upturn Star Rating | Stock Returns Performance 3 |
| Profits based on simulation Last Close 11/20/2024 | Upturn Advisory Performance 3 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 18.91B USD |
Price to earnings Ratio 85.12 | 1Y Target Price 120.94 |
Dividends yield (FY) 0.43% | Basic EPS (TTM) 1.14 |
Volume (30-day avg) 1737896 | Beta 1.62 |
52 Weeks Range 56.63 - 113.17 | Updated Date 11/20/2024 |
Company Size Large-Cap Stock | Market Capitalization 18.91B USD | Price to earnings Ratio 85.12 | 1Y Target Price 120.94 |
Dividends yield (FY) 0.43% | Basic EPS (TTM) 1.14 | Volume (30-day avg) 1737896 | Beta 1.62 |
52 Weeks Range 56.63 - 113.17 | Updated Date 11/20/2024 |
Earnings Date
Report Date 2024-10-23 | When BeforeMarket |
Estimate 1.01 | Actual 1.04 |
Report Date 2024-10-23 | When BeforeMarket | Estimate 1.01 | Actual 1.04 |
Profitability
Profit Margin 5.47% | Operating Margin (TTM) 18.16% |
Management Effectiveness
Return on Assets (TTM) 3.95% | Return on Equity (TTM) 5.72% |
Revenue by Products
Revenue by Products - Current and Previous Year
Revenue by Geography
Valuation
Trailing PE 85.12 | Forward PE 21.32 |
Enterprise Value 23534696000 | Price to Sales(TTM) 4.61 |
Enterprise Value to Revenue 5.74 | Enterprise Value to EBITDA 21.34 |
Shares Outstanding 194900000 | Shares Floating 194143524 |
Percent Insiders 0.25 | Percent Institutions 104.16 |
Trailing PE 85.12 | Forward PE 21.32 | Enterprise Value 23534696000 | Price to Sales(TTM) 4.61 |
Enterprise Value to Revenue 5.74 | Enterprise Value to EBITDA 21.34 | Shares Outstanding 194900000 | Shares Floating 194143524 |
Percent Insiders 0.25 | Percent Institutions 104.16 |
Analyst Ratings
Rating 4.26 | Target Price 90.71 | Buy 4 |
Strong Buy 10 | Hold 5 | Sell - |
Strong Sell - |
Rating 4.26 | Target Price 90.71 | Buy 4 | Strong Buy 10 |
Hold 5 | Sell - | Strong Sell - |
AI Summarization
TransUnion: A Comprehensive Overview
Company Profile
History
- Founded in Chicago in 1968 as the Credit Bureau, renamed Trans Union Corporation in 1973 and later TransUnion LLC in 2020.
- Initially provided credit reports, expanded into data and analytics, offering risk and fraud management solutions for various industries.
Core Business Areas
- Consumer Interactive: Provides credit reports and scores, identity theft protection, and financial education tools to consumers in the U.S.
- Risk and Fraud Solutions: Offers businesses and financial institutions solutions to assess and mitigate risk, prevent fraud.
- Marketing Solutions: Enables targeted marketing campaigns by providing businesses with data-enriched consumer information.
- Global Information Solutions: Delivers global identity verification, sanctions screening, business verification, KYC (know your customers) and identity proofing solutions.
Leadership Team:
Chief Executive Officer - Chris Cartwright
President - Satish Kaura
Corporate Structure: Publicly-traded company (NYSE: TRU), headquartered
in Chicago, operates in over 30 countries.
Top Products and Market Share:
Top Products: TransUnion offers several top-tier products including
- CreditVision: AI-powered credit scorecard used for risk assessment.
- DecisionEdge: Predictive analytics solution for various industries.
- Global Watchlist: Database of global sanctions and watchlist data.
** Market Share**:
- US Credit Reporting: 25.2% market share behind Equifax (31.4%) and Experian (43.4%).
Market Reception: TransUnion's solutions are well-regarded, receiving recognition for innovation and effectiveness.
Competition:
Credit Reporting: Equifax (EFX), Experian (EXPN).
Risk &Fraud: FICO (FICO), LexisNexis Risk Solutions (RELX).
Total addressable market:
Global credit reporting market, estimated to reach 17.4 billion USD in 2027.
Financial Performance:
Revenue in 2022: 3.54 billion USD
Year-Over-Year Growth (2022 vs.2021): 2.64%
*Net Income (2022):372 Million USD
*Earnings Per Share(2022):1.15 USD *Cash Flow (2022): 722 Million USD
Dividends and Shareholder Returns:
- Dividend Yield: ~0.84% *Shareholder returns (5 years): ~35.4%
Growth Strategy:
Organic Growth: Expanding footprint in existing markets, developing new solutions.
Acquisitions: Strengthening product portfolio through strategic acquisitions, e.g., Neustar (2018).
Market Dynamics: The credit reporting and data analytics industry is growing, driven increasingly digital economies and demand for risk management solutions.
Adaptability to Market Change: TransUnion's focus on technology innovation positions them for adaptability and growth.
Potential Challenges & Opportunities:
Key Challenges:
- Increasing Competition
- Data Privacy concerns Technological advancements affecting business models
Key Opportunities:
- Emerging markets and new industry verticals Data-driven marketing solutions
Recent Acquisitions (last 3 years ):
** Acquisition **| ** Year | ** Acquisition Price (USD) | Explanation
------- | ----- | ------ | ------
Neustar | 2018 | 2.65 Billion | Enhanced data and identity verification capabilities, expanded global presence, strengthened market position.
Sontiq |2021 | 3.4 Billion | Added capabilities in digital identity verification fraud prevention, and mobile marketing analytics
Tru Optik | 2022 |1.1 Billion| Enhanced mobile identity verification and omnichannel marketing solutions
AI-Based Fundamental Rating:
Rating: 8.2 out of 10
** Justification**:
- Strong financial performance with consistent revenue and earnings growth.
- Established brand and solid market positions.
- Innovative products and commitment to technology.
- Growth-oriented strategy and recent acquisitions demonstrate promising
Sources and Disclaimers:
Sources: TransUnion Investor Relations website, Company Filings with the US Securities and Exchange Commission (SEC), company press releases and news articles.
Disclaimer: This analysis provides information for educational purposes. It should not be considered investment advice. Please do your own research and due diligence before making investment decisions,
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About TransUnion
| Exchange | NYSE | Headquaters | Chicago, IL, United States |
| IPO Launch date | 2015-06-25 | President, CEO & Director | Mr. Christopher A. Cartwright |
| Sector | Financial Services | Website | https://www.transunion.com |
| Industry | Financial Data & Stock Exchanges | Full time employees | 13000 |
| Headquaters | Chicago, IL, United States | ||
| President, CEO & Director | Mr. Christopher A. Cartwright | ||
| Website | https://www.transunion.com | ||
| Website | https://www.transunion.com | ||
| Full time employees | 13000 |
TransUnion operates as a global consumer credit reporting agency that provides risk and information solutions. The company operates through U.S. Markets, International, and Consumer Interactive segments. The U.S. Markets segment provides consumer reports, actionable insights, and analytic services to businesses, which uses its services to acquire new customers; assess consumer ability to pay for services; identify cross-selling opportunities; measure and manage debt portfolio risk; collect debt; verify consumer identities; and mitigate fraud risk. This segment serves various industry vertical markets, including financial services, technology, commerce and communications, insurance, media, services and collections, tenant and employment, and public sectors. The International segment offers credit reports, analytics, technology solutions, and other value-added risk management services; consumer services, which help consumers to manage their personal finances; consumer credit reporting, insurance and auto information solutions, and commercial credit information services. It serves customers in financial services, retail credit, insurance, automotive, collections, public sector, and communications industries through direct and indirect channels. The company was formerly known as TransUnion Holding Company, Inc. and changed its name to TransUnion in March 2015. TransUnion was founded in 1968 and is headquartered in Chicago, Illinois.
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