TransUnion, along with Equifax and Experian, is one of the three leading credit bureaus in the United States, providing the consumer information that is the basis for granting credit. The company also provides fraud detection, marketing, and analytical services.
It is a $12.6B financial services company. Revenue grew 12.4% over the last year, and it keeps 15¢ of every dollar of sales as profit. It trades at 17.0× earnings — in the cheapest third of its own history.
- Website
- transunion.com
- Location
- Chicago, IL
- Employees
- 13 500
- Sector
- Financial Services
Skills
Six independent scores, 0–100, built from reported numbers and valuation history. Click a row to see how it was scored.
Strong valuation and quality; Health and Moat lag behind.
Valuation85
- P/E vs own history32th pct · 20/25
- FCF yield6.3% · 20/25
- P/S2.6x · 20/25
- EV/EBITDA10.0x · 25/25
Growth52
- Revenue CAGR11.5% · 20/25
- Net income CAGR-24.3% · 0/25
- EPS CAGR ~5Y5.3% · 12/25
- Fwd implied growth26.2% · 20/25
Profitability65
- ROIC5.2% · 5/25
- ROE15.9% · 20/25
- Net margin15.1% · 20/25
- Operating margin23.0% · 20/25
Health33
- Altman Zn/a · 0/25
- Current ratio1.90 · 18/25
- Interest coverage4.9x · 10/25
- Net cash / debtD/A 38% · 5/25
Quality95
- Piotroski F8/9 · 25/25
- Beneish M-2.63 · 25/25
- FCF conversion107% · 25/25
- Margin stabilityσ 5.2% · 20/25
Moat43
- ROIC >12% years0/10 yrs · 0/25
- Median gross margin65.5% · 25/25
- FCF-positive years9/10 yrs · 18/25
- Worst-year net marginworst -5.4% · 0/25
Experience
The company's career so far — founding, the IPO, landmark products and acquisitions, plus revenue milestones and insider buying.
- FY2021FinancialBest year on record$1.39B net income
- 2017AcquisitionTransUnion acquired FactorTrust, a consumer reporting agency specializing in alternative credit data
- FY2016FinancialFirst recorded profitable year$121M net income
- FY2016FinancialRevenue already above $1B$1.70B in first reported year
- 2015AcquisitionTransUnion acquired Trustev, a digital verification company specializing in online fraud for $21 million,…
- Jun 25, 2015MilestoneTransUnion became a publicly traded company for the first time, trading under the symbol TRU
- 2014AcquisitionTransUnion acquired Hank Asher's data company TLO
- 2013AcquisitionTransUnion acquired TLO LLC, a company that leverages data in support of its investigative and…
- 2013ProductThis product, referred to as CreditVision, launched in October 2013
- 2010AcquisitionGoldman Sachs Capital Partners and Advent International acquired it from Madison Dearborn Partners and the…
- 1981AcquisitionA Chicago-based holding company, The Marmon Group, acquired TransUnion for approximately $688 million
Achievements
Verifiable track record, straight from the reported numbers.
Strengths & watch-outs
What a bull and a bear would each point to. Both lists come from the reported numbers, not opinions.
Strengths
- High gross margin (58.7%)
- Revenue growing 12.4% year over year
- Strong cash conversion — FCF is 16.1% of revenue
- Piotroski F-Score 8/9 — fundamentally strong checklist
Watch-outs
- Loss-making in 1 of the recent years
- Net debt equals ~5.4 years of free cash flow
Qualifications
The basics a company should meet before you research it further. Each check uses the reported numbers.
- Revenue growing — the company sells more than a year ago+12.4% YoY
- Profitable — makes more than it spends$738M TTM
- Profit growing — earnings are higher than last year+18.4% YoY
- Generates cash — cash left after running and investing$788M TTM
- Debt under control — could handle its obligations~5.4y of cash flow to repay
- Established company — not a micro-cap — lower blow-up risk$12.6B market cap
- Not printing shares — share count not ballooning — you keep your slice+2.3% shares over ~5y
- Proven track record — years of profitability behind it9/10 profitable years
- Financially stable — balance sheet not near distresshealth score 28/100
- Pays a dividend — returns cash to shareholdersyield 0.76%
- Valuation not extreme — price not wildly above earningsP/E 17.0
Peer comparisonTransUnion vs 6 largest financial services peers — cap, P/E, growth and margin side by sideOpen ▾Close ▴
| Company | Market cap | P/E | Revenue growth | Net margin | Profile |
|---|---|---|---|---|---|
| TRU this company | $12.6B | 17.0 | +12.4% | 15.1% | Strained |
| BRK.A Berkshire Hathaway Inc. | $1.1T | 11.6 | +3.9% | 22.3% | Mixed |
| BRK.B Berkshire Hathaway | $1.1T | 11.6 | +0.0% | 18.0% | Strong |
| JPM JPMorgan Chase & Co. | $886.2B | 13.6 | +13.5% | 32.6% | Strained |
| V VISA Inc. | $723.9B | 31.9 | +14.4% | 50.8% | Solid |
| MA Mastercard Incorporated | $516.4B | 31.7 | +16.0% | 46.3% | Mixed |
| BAC Bank of America Corporation | $380.4B | 11.3 | +15.9% | 27.8% | Mixed |
Head-to-head: TRU vs BRK.A · TRU vs BRK.B · TRU vs JPM
References
What covering analysts publish about the company — information only, not a recommendation.
Appendix · Financial records
The full statements behind this CV, FY2016–FY2025. For readers who want to check the numbers.
Live data and quarterly detail: stockcv.com/TRU
Want the live picture — intraday moves, valuation history and full analysis?
Deeper analysis of TRU on PreMarketPriceFigures are derived from company filings (quarterly values normalised from as-filed year-to-date data where applicable) and may be delayed, restated or incomplete. This page is information, not investment advice. Latest price $65.48 · market cap $12.6B.