Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
AI Summary - About
TRU 
TransUnion (TRU)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
02/20/2025: TRU (4-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
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 36.79% | 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 02/20/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 18.43B USD | Price to earnings Ratio 65.14 | 1Y Target Price 117.6 |
Price to earnings Ratio 65.14 | 1Y Target Price 117.6 | ||
Volume (30-day avg) 1593624 | Beta 1.62 | 52 Weeks Range 65.84 - 113.05 | Updated Date 02/21/2025 |
52 Weeks Range 65.84 - 113.05 | Updated Date 02/21/2025 | ||
Dividends yield (FY) 0.48% | Basic EPS (TTM) 1.45 |
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Earnings Date
Report Date 2025-02-11 | When Before Market | Estimate 0.9514 | Actual 0.97 |
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 65.14 | Forward PE 23.64 | Enterprise Value 23330487000 | Price to Sales(TTM) 4.4 |
Enterprise Value 23330487000 | Price to Sales(TTM) 4.4 | ||
Enterprise Value to Revenue 5.58 | Enterprise Value to EBITDA 19.38 | Shares Outstanding 195100000 | Shares Floating 194477631 |
Shares Outstanding 195100000 | Shares Floating 194477631 | ||
Percent Insiders 0.33 | Percent Institutions 101.43 |
AI Summary
TransUnion: A Detailed Overview
Company Profile:
History & Background:
- Founded in 1968 as Credit Bureau Associates, Inc.
- Initially focused on consumer credit reporting, expanding to global footprint and diverse product portfolio.
- Became publicly traded in 2015.
Core Business Areas:
- Consumer Information Solutions: Credit reports, identity verification, fraud prevention.
- Risk & Alternatives: Credit risk management, pre-employment screening.
- Marketing & Digital Solutions: Consumer insights, targeted marketing.
Leadership Team & Structure:
- CEO: Chris Cartwright
- President: Michelle Riehle
- EVP & CFO: Todd Cello
- Board of Directors comprised of experienced industry professionals.
Top Products & Market Share:
Products:
- TransUnion SmartMove: Rental screening solution for landlords and property managers.
- TransUnion TruValidate: Identity verification and fraud prevention tool.
- TransUnion CreditVision: Comprehensive credit reporting and risk management platform.
Market Share:
- #2 credit bureau in the US (behind Equifax) with 30% market share.
- Significant global presence, operating in over 30 countries.
- Leading provider in various segments like rental screening and identity verification.
Total Addressable Market:
- Global credit reporting and risk management market estimated at $15 billion.
- US credit reporting market alone valued at over $7 billion.
- Growing demand for identity verification and fraud prevention solutions.
Financial Performance:
Recent Financials:
- Revenue: $3.2 billion (2022)
- Net income: $574 million (2022)
- Profit margin: 18% (2022)
- EPS: $3.54 (2022)
Financial Health:
- Strong revenue growth and profitability.
- Healthy cash flow and balance sheet.
- Consistent dividend payments with increasing payout ratio.
Dividends & Shareholder Returns:
Dividend History:
- Dividend yield: 0.75% (as of October 27, 2023)
- Payout ratio: 30% (2022)
- Consistent dividend increases in recent years.
Shareholder Returns:
- Total return (including dividends) of 25% over the past year.
- Outperformed the S&P 500 index over the same period.
Growth Trajectory:
Historical Growth:
- Revenue increased by 10% annually over the past 5 years.
- EPS grew by 15% annually over the same period.
Future Growth:
- Expanding into new markets and product offerings.
- Leveraging technology and data analytics for innovation.
- Acquisitions to strengthen market position.
Market Dynamics:
Industry Trends:
- Growing demand for data-driven insights and risk management.
- Increased adoption of digital solutions.
- Regulatory changes impacting data privacy and consumer rights.
Competitive Landscape:
Key Competitors:
- Experian (EXPN)
- Equifax (EFX)
- FICO (FICO)
- Innovis (INOV)
Competitive Advantages:
- Strong brand recognition and customer base.
- Diversified product portfolio.
- Global reach and scale.
Potential Challenges & Opportunities:
Key Challenges:
- Intense competition.
- Data security and privacy concerns.
- Economic downturn impacting consumer spending.
Opportunities:
- Expanding into emerging markets.
- Developing new data-driven solutions.
- Partnering with fintech and other technology companies.
Recent Acquisitions (2020-2023):
- 2022: Neustar Marketing Solutions – Expanding digital marketing capabilities.
- 2021: IDology – Identity verification and fraud prevention solutions.
- 2020: Sontiq – Identity protection and credit monitoring services.
AI-Based Fundamental Rating:
Rating: 8.5 out of 10
Justification: Strong financial performance, leading market position, and growth potential supported by data analytics and technology investments.
Sources & Disclaimers:
- TransUnion Investor Relations website: https://investors.transunion.com/
- Yahoo Finance: https://finance.yahoo.com/quote/TRU
- MarketWatch: https://www.marketwatch.com/investing/stock/tru
Disclaimer: This information should not be considered financial advice. Please conduct your own research and due diligence before making any investment decisions.
This comprehensive analysis provides valuable insights into TransUnion's performance, competitive positioning, and future prospects, empowering investors with data-driven information for informed decision-making.
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.
Upturn is now on iOS and Android!
Experience Upturn on your mobile. Install it now!
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.