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Upturn AI SWOT - About
TRU 
TransUnion (TRU)
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Upturn Advisory Summary
04/01/2025: TRU (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 36.8% | Avg. Invested days 47 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 16.19B USD | Price to earnings Ratio 57.23 | 1Y Target Price 115.75 |
Price to earnings Ratio 57.23 | 1Y Target Price 115.75 | ||
Volume (30-day avg) 1925468 | Beta 1.7 | 52 Weeks Range 65.76 - 112.91 | Updated Date 04/1/2025 |
52 Weeks Range 65.76 - 112.91 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 0.55% | Basic EPS (TTM) 1.45 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 6.8% | Operating Margin (TTM) 16.46% |
Management Effectiveness
Return on Assets (TTM) 4.15% | Return on Equity (TTM) 7.18% |
Valuation
Trailing PE 57.23 | Forward PE 19.68 | Enterprise Value 20723405032 | Price to Sales(TTM) 3.87 |
Enterprise Value 20723405032 | Price to Sales(TTM) 3.87 | ||
Enterprise Value to Revenue 4.95 | Enterprise Value to EBITDA 17.21 | Shares Outstanding 195140000 | Shares Floating 194495190 |
Shares Outstanding 195140000 | Shares Floating 194495190 | ||
Percent Insiders 0.31 | Percent Institutions 101.33 |
Analyst Ratings
Rating 4.26 | Target Price 120 | Buy 4 | Strong Buy 10 |
Buy 4 | Strong Buy 10 | ||
Hold 5 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
TransUnion
Company Overview
History and Background
TransUnion was founded in 1968 as the holding company for the Union Stock Yard and Transit Company. It evolved from managing freight car traffic to compiling credit information. Over time, TransUnion expanded globally and diversified its services beyond credit reporting.
Core Business Areas
- US Information Services (USIS): Provides credit reports, scores, and other information services to businesses and consumers in the United States. Includes solutions for credit risk management, fraud prevention, and marketing. Consumer solutions include credit monitoring and identity protection.
- International: Offers credit information and related services in various countries outside the United States. Focuses on expanding its presence in key international markets.
- Consumer Interactive: Provides credit monitoring, credit scores, and identity theft protection services directly to consumers.
Leadership and Structure
TransUnion is led by a CEO and an executive management team. The organizational structure includes various functional departments such as technology, finance, sales, and marketing. There is also a board of directors overseeing the company's strategy and performance.
Top Products and Market Share
Key Offerings
- Credit Reports and Scores: Provides credit reports and scores to lenders and consumers. These are essential for assessing credit risk and making lending decisions. Competitors: Equifax (EFX), Experian (EXPGY). Market share data is not consistently reported publicly, but estimates place TransUnion as a significant player alongside Equifax and Experian.
- Identity Protection Services: Offers identity theft protection and credit monitoring services to consumers. These services help consumers detect and prevent fraud. Competitors: LifeLock (NLOK, acquired by Symantec), Experian, Equifax. No specific market share or revenue data available.
- Fraud Prevention Solutions: Offers fraud prevention and detection tools to businesses. Helps businesses to verify identity and prevent fraudulent transactions. Competitors: LexisNexis Risk Solutions (RELX), Experian, Equifax. No specific market share or revenue data available.
Market Dynamics
Industry Overview
The credit reporting and risk management industry is characterized by increasing demand for data analytics and fraud prevention solutions. The industry is subject to stringent regulations and evolving consumer privacy concerns. The growth is fueled by increasing digitization of the economy.
Positioning
TransUnion is a major player in the credit reporting and risk management industry, offering a wide range of solutions for businesses and consumers. Its competitive advantages include its extensive data assets, global presence, and advanced analytics capabilities.
Total Addressable Market (TAM)
The TAM for risk and fraud management is estimated to be in the tens of billions of dollars globally. TransUnion is well-positioned to capture a significant share of this market due to its global presence and diverse product offerings.
Upturn SWOT Analysis
Strengths
- Extensive data assets
- Global presence
- Advanced analytics capabilities
- Strong brand recognition
- Diversified revenue streams
Weaknesses
- Regulatory scrutiny
- Data security risks
- Competition from other credit bureaus
- Dependence on economic conditions
Opportunities
- Expanding into new markets
- Developing new products and services
- Acquiring complementary businesses
- Leveraging data analytics to improve decision-making
- Increasing demand for fraud prevention solutions
Threats
- Economic downturns
- Increased competition
- Data breaches
- Regulatory changes
- Changing consumer preferences
Competitors and Market Share
Key Competitors
- EFX
- EXPGY
- RELX
Competitive Landscape
TransUnion possesses strong data assets and global reach. Equifax and Experian are also major players with similar strengths. RELX competes with fraud prevention and risk management solutions. TransUnion's advantages include its ability to combine credit data with other sources of information to provide comprehensive solutions.
Major Acquisitions
Sontiq
- Year: 2021
- Acquisition Price (USD millions): 638
- Strategic Rationale: Expanded TransUnion's identity protection services and strengthened its position in the consumer market.
Growth Trajectory and Initiatives
Historical Growth: TransUnion has demonstrated consistent growth over the past years. The rate of growth has been influenced by both organic expansion and acquisitions.
Future Projections: Analyst estimates project continued growth for TransUnion, driven by increasing demand for its products and services. Specific growth rates vary depending on the analyst and market conditions.
Recent Initiatives: Recent initiatives include investments in data analytics, expansion into new markets, and acquisitions of complementary businesses.
Summary
TransUnion is a well-established company in the credit reporting and risk management industry. Its extensive data assets and global reach provide a strong foundation for future growth. The company should focus on mitigating data security risks and navigating regulatory scrutiny while capitalizing on opportunities in new markets and data analytics.
Similar Companies
EFX
Equifax Inc
EFX
Equifax Inc
FIS
Fidelity National Information Services Inc
FIS
Fidelity National Information Services Inc
ICE
Intercontinental Exchange Inc
ICE
Intercontinental Exchange Inc
RELX
Relx PLC ADR
RELX
Relx PLC ADR
Sources and Disclaimers
Data Sources:
- Company Filings (SEC)
- Market Research Reports
- Financial News Providers
- Industry Publications
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is based on estimates and may vary. Financial data is subject to change.
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 | Industry Financial Data & Stock Exchanges | Full time employees 13400 | Website https://www.transunion.com |
Full time employees 13400 | Website https://www.transunion.com | ||
TransUnion operates as a global consumer credit reporting agency that provides risk and information solutions. The company operates in two segments, U.S. Markets and International. The U.S. Markets segment provides credit reporting, credit marketing, analytics and consulting, identity verification, and authentication and debt recovery solutions for financial services industry; and onboarding and transaction processing products, scoring and analytic products, marketing solutions, fraud and identity management solutions, and customer retention solutions, as well select market-specific solutions for insurance, technology, retail and e-commerce, telecommunications, media, tenant and employment screening, collections, and public sectors. It also offers credit reports and scores, credit monitoring, identity protection and resolution, and financial management for consumers, as well as helps businesses respond to data breach events through its own websites, as well as channels. The International segment offers credit reports, analytics, technology solutions, and other value-added risk management services; consumer services, which helps consumers to manage their personal finances; credit bureaus; and consumer and business credit reporting, insurance and auto information solutions, and commercial credit information services. This segment 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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