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TransUnion Stock Research

TRU

62.14USD+0.62(+1.01%)Market Closed

Market Summary

USD62.14+0.62
Market Closed
1.01%

TRU Alerts

TRU Stock Price

TRU RSI Chart

TRU Valuation

Market Cap

12.0B

Price/Earnings (Trailing)

40.25

Price/Sales (Trailing)

3.2

EV/EBITDA

10.02

Price/Free Cashflow

-12.0K

TRU Price/Sales (Trailing)

TRU Profitability

EBT Margin

10.34%

Return on Equity

7.13%

Return on Assets

2.55%

Free Cashflow Yield

-0.01%

TRU Fundamentals

TRU Revenue

Revenue (TTM)

3.7B

Revenue Y/Y

26.2%

Revenue Q/Q

-1.07%

TRU Earnings

Earnings (TTM)

297.5M

Earnings Y/Y

-99.91%

Earnings Q/Q

-98.82%

Price Action

52 Week Range

50.24102.89
(Low)(High)

Last 7 days

4.3%

Last 30 days

-6.0%

Last 90 days

8.4%

Trailing 12 Months

-40.5%

TRU Financial Health

Current Ratio

1.6

Debt/Equity

1.58

Debt/Cashflow

0.05

TRU Investor Care

Shares Dilution (1Y)

0.47%

Diluted EPS (TTM)

1.4

Peers (Alternatives to TransUnion)

View All Peers In Detail
NameMkt Capsorted ascendingRevenuePrice %, 1MReturns, 1YP/EP/SRev 1-YrInc 1-Yr
LARGE-CAP
29.7B
2.5B
11.60% -11.99%
31.12
11.89
1.40% 43.19%
24.8B
5.1B
-1.40% -16.13%
35.69
4.85
4.03% -6.45%
12.0B
3.7B
-5.98% -40.49%
40.25
3.2
26.46% -78.55%
10.1B
3.5B
0.43% 43.61%
18.72
2.84
-17.23% -31.38%
MID-CAP
8.7B
7.2B
-3.31% -33.13%
13.19
1.2
12.02% 9.90%
4.9B
4.9B
-4.88% -22.86%
13.75
1
7.60% 5.03%
4.6B
1.7B
0.13% -16.16%
61.4
2.71
8.28% 0.34%
4.3B
19.8B
-4.32% -16.36%
11.41
0.22
-4.33% -2.25%
4.1B
4.6B
-8.74% -30.65%
15.26
0.89
14.26% -34.59%
2.5B
1.4B
-2.04% 17.39%
23.57
1.76
27.79% 48.62%
SMALL-CAP
1.5B
618.3M
-4.59% -54.56%
-16.67
2.42
22.98% -59.82%
609.0M
1.1B
-8.14% 16.10%
12.88
0.58
10.38% 24.13%
603.0M
1.1B
-14.36% -26.46%
7.59
0.56
7.45% 9.53%
582.6M
2.3B
-6.26% -40.66%
9.36
0.26
3.71% 1.04%

Financials for TransUnion

Income Statement (Last 12 Months)
(In Millions)
* denotes actual numbers (not divided by Millions)
Description(%) Q/Q2022Q42022Q32022Q22022Q12021Q4
Revenue4.1%3,7443,5983,4033,1832,960
Operating Expenses2.8%3,0792,9972,8022,5642,313
  S&GA Expenses2.4%1,3371,3061,2121,084944
EBITDA2.6%1,1371,1081,045991-
EBITDA Margin-5.4%0.30*0.32*0.32*0.33*-
Earnings Before Taxes-22.8%387501---
EBT Margin-28.8%0.10*0.15*0.16*0.17*-
Interest Expenses16.1%231199163137113
Net Income-76.0%2971,2411,2761,3081,387
Net Income Margin-77.0%0.08*0.34*0.37*0.40*-
Free Cahsflow97.8%-1.00-44.5064.00433-
Balance Sheet
(In Millions)
Description(%) Q/Q2022Q42022Q32022Q22022Q12021Q4
Assets-1.2%11,66611,80411,87612,19712,635
  Current Assets-5.8%1,4501,5391,4942,1682,632
    Cash Equivalents-1.8%5855965221,2971,842
  Net PPE2.9%218212218233248
  Goodwill0.7%5,5515,5135,5871685,526
Liabilities-3.3%7,3977,6507,7378,0558,629
  Current Liabilities1.8%9068909161,2091,357
  Long Term Debt-6,366----
    LT Debt, Non Current-3.9%5,5565,7795,8055,8326,251
Shareholder's Equity2.9%4,1704,0544,0394,0403,908
  Retained Earnings1.1%2,4472,4212,3622,2852,255
  Additional Paid-In Capital0.9%2,2902,2702,2402,2192,189
Accumulated Depreciation3.9%711685666654625
Shares Outstanding0.1%193193193192192
Minority Interest-0.7%10010010010298.00
Cashflow (Last 12 Months)
(In Millions)
Description(%) Q/Q2022Q42022Q32022Q22022Q12021Q4
Cashflow From Operations33.0%297224313675808
  Share Based Compensation0.7%83.0082.0079.0073.0069.00
Cashflow From Investing73.6%-723-2,741-2,743-2,232-2,212
Cashflow From Financing-133.8%-8202,4302,4432,4272,762
  Dividend Payments2.6%78.0076.0074.0074.0070.00

Risks for TRU

What is the probability of a big loss on TRU?

61.5%


Probability that TransUnion stock will be more than 20% underwater in next one year

37.7%


Probability that TransUnion stock will be more than 30% underwater in next one year.

29.6%


Probability that TransUnion stock will be more than 40% underwater in next one year.
*Calculated based on probability distribution of losses observed in actual data in the last 5 years.

How does TRU drawdown profile look like?

Y-axis is the maximum loss one would have experienced if TransUnion was unfortunately bought at previous high price.

Drawdowns

Returns for TRU

Cumulative Returns on TRU

66.3%


10-Year Cumulative Returns

12.4%


7-Year Cumulative Returns

2.0%


5-Year Cumulative Returns

-3.0%


3-Year Cumulative Returns

What are the long-term rolling returns for TRU?

FIve years rolling returns for TransUnion.

Annualized Returns

Which funds bought or sold TRU recently?

View All Details
Datesorted ascendingFund NameType% Chg$ Change$ Held% Portfolio
2023-03-23
MetLife Investment Management, LLC
reduced
-2.22
-39,245
544,233
-%
2023-03-17
American Portfolios Advisors
reduced
-55.99
-132,427
64,428
-%
2023-03-10
VICTORY CAPITAL MANAGEMENT INC
added
21.06
928,586
6,927,590
0.01%
2023-03-06
Rockefeller Capital Management L.P.
added
28.59
9,923,000
53,699,000
0.27%
2023-03-02
OLIVER LAGORE VANVALIN INVESTMENT GROUP
sold off
-100
-
-
-%
2023-02-28
Voya Investment Management LLC
reduced
-0.4
-194,497
3,695,500
-%
2023-02-24
SRS Capital Advisors, Inc.
added
666
2,916
3,916
-%
2023-02-24
National Pension Service
reduced
-99.06
-17,224,700
156,006
-%
2023-02-24
NATIXIS
sold off
-100
-5,735,000
-
-%
2023-02-22
TEACHERS RETIREMENT SYSTEM OF THE STATE OF KENTUCKY
added
2.98
-34,000
1,924,000
0.02%

1–10 of 46

Latest Funds Activity

Are funds buying TRU calls or puts?
Calls
Puts
Are funds bullish or bearish(Calls - Puts)?
Net Call Options
No. of funds that own TRU
No. of Funds

TransUnion News

MarketBeat

Rovin Capital UT ADV Makes New Investment in TransUnion (NYSE ....

MarketBeat,
7 hours ago

Marketscreener.com

Zacks Investment Research

Simply Wall St

Nasdaq

Morningstar

Schedule 13G FIlings of TransUnion

Date FiledName of FilerPercent of ClassNo. of SharesForm Type
Feb 14, 2023
t. rowe price investment management, inc.
12.0%
23,101,403
SC 13G/A
Feb 14, 2023
price t rowe associates inc /md/
6.6%
12,668,211
SC 13G/A
Feb 09, 2023
blackrock inc.
4.98%
9,607,042
SC 13G/A
Feb 09, 2023
vanguard group inc
9.14%
17,617,884
SC 13G/A
Feb 06, 2023
wellington management group llp
3.79%
7,304,746
SC 13G/A
Feb 01, 2023
blackrock inc.
5.0%
9,649,909
SC 13G/A
Feb 14, 2022
price t rowe associates inc /md/
12.4%
23,842,639
SC 13G/A
Feb 04, 2022
wellington management group llp
5.45%
10,436,242
SC 13G
Feb 03, 2022
blackrock inc.
8.0%
15,262,247
SC 13G/A
Feb 16, 2021
price t rowe associates inc /md/
13.0%
24,773,595
SC 13G/A

TRU Fair Value

TransUnion fair value in different scenarios

The table shows the Fair Value estimates for TransUnion for various scenarios. Disclaimer: These are just estimations from a model. None of the models are good at predicting the future. Please dont buy or sell stocks based on these outputs.
Fair ValueVery PessimisticPessimisticBase CaseOptimisticVery Optimistic
Very Low Inflation

79.81

28.44%

110.87

78.42%

158.96

155.81%

205.03

229.95%

234.78

277.82%
Current Inflation

73.26

17.90%

100.00

60.93%

140.43

125.99%

178.86

187.83%

203.83

228.02%
Very High Inflation

65.20

4.92%

86.92

39.88%

118.65

90.94%

148.55

139.06%

168.16

170.61%

Historical TransUnion Fair Value Estimates


Very Pessimistic Case
Pessimistic Case
Fair Value
Optimistic Case
Very Optimistic Case
Closing Stock Price

Recent SEC filings of TransUnion

View All Filings
Date Filed Form Type Document
Mar 29, 2023
144
Notice of Insider Sale Intent
Mar 27, 2023
4
Insider Trading
Mar 23, 2023
ARS
ARS
Mar 23, 2023
DEF 14A
DEF 14A
Mar 23, 2023
DEFA14A
DEFA14A
Mar 20, 2023
4
Insider Trading
Mar 16, 2023
144
Notice of Insider Sale Intent
Mar 02, 2023
4
Insider Trading
Mar 02, 2023
4
Insider Trading
Mar 02, 2023
4
Insider Trading

Latest Insider Trading transactions for TRU

Filter Transactions
Datesorted ascendingNameBuy/Sell$ ValueAvg. Price# SharesTitle
2023-03-24
RUSSELL HEATHER J
sold
-459,050
57.41
-7,996
evp, chief legal officer
2023-03-16
MAULDIN RICHARD DANE
sold
-439,604
60.635
-7,250
evp - operations
2023-02-28
Cartwright Christopher A
acquired
-
-
68,776
president and ceo
2023-02-28
Martin Timothy J
acquired
-
-
13,755
evp - global solutions
2023-02-28
MAULDIN RICHARD DANE
acquired
-
-
9,934
evp - operations
2023-02-28
Dhar Abhi
acquired
-
-
16,812
evp, chief info & tech officer
2023-02-28
Muigai Susan W.
acquired
-
-
9,170
evp, chro
2023-02-28
Achanta Venkat
acquired
-
-
16,812
evp, chief data & analytics
2023-02-28
Williams Jennifer A.
acquired
-
-
1,742
svp, chief accounting officer
2023-02-28
Skinner Todd C.
acquired
-
-
11,463
president, international

1–10 of 50

Christopher A. Cartwright
10200
TransUnion provides risk and information solutions. The company operates in three segments: U.S. Markets, International, and Consumer Interactive. The U.S. Markets segment provides consumer reports, actionable insights, and analytics to businesses. These businesses use 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, insurance, tenant and employment, collections and services, technology, commerce and communication, public sector, media, and other markets. The International segment offers credit reports, analytics, technology solutions, and other value-added risk management services; and consumer services, which help consumers to manage their personal finances and consumer 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 Consumer Interactive segment provides credit reports and scores, credit monitoring, identity protection and resolution, and financial management solutions that enable consumers to manage their personal finances and take precautions against identity theft. This segment offers its products through online and mobile interfaces, as well as through direct and indirect channels. The company serves customers in approximately 30 countries and territories, including North America, Latin America, Europe, Africa, India, and the Asia Pacific. 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.

TRU Income Statement

2022-12-31
Consolidated Statements of Income - USD ($)
shares in Millions, $ in Millions
12 Months Ended
Dec. 31, 2022
Dec. 31, 2021
Dec. 31, 2020
Income Statement [Abstract]   
Revenue$ 3,709.9$ 2,960.2$ 2,530.6
Other Cost and Expense, Operating1,222.9991.6853.9
Operating expenses   
Selling, general and administrative1,337.4943.9829.7
Depreciation and amortization519.0377.0346.8
Total operating expenses3,079.32,312.52,030.4
Operating income630.5647.7500.3
Non-operating income and (expense)   
Interest expense(230.9)(112.6)(126.2)
Interest income4.73.45.6
Earnings from equity method investments13.012.08.9
Other income and (expense), net(30.0)(49.2)0.9
Total non-operating income and (expense)(243.3)(146.3)(110.8)
Income from continuing operations before income taxes387.2501.4389.5
Provision for income taxes(119.9)(130.9)(83.7)
Income from continuing operations267.3370.5305.7
Discontinued operations, net of tax17.41,031.749.8
Net income284.71,402.2355.6
Less: net income attributable to noncontrolling interests(15.2)(15.0)(12.4)
Net income attributable to TransUnion269.51,387.1343.2
Less: income from continuing operations attributable to noncontrolling interests(15.2)(15.0)(12.4)
Income from continuing operations attributable to TransUnion$ 252.1$ 355.5$ 293.4
Income (Loss) from Continuing Operations, Per Basic Share$ 1.31$ 1.86$ 1.54
Discontinued Operation, Income (Loss) from Discontinued Operation, Net of Tax, Per Basic Share0.095.390.26
Earnings Per Share, Basic1.407.251.81
Income (Loss) from Continuing Operations, Per Diluted Share1.311.841.53
Discontinued Operation, Income (Loss) from Discontinued Operation, Net of Tax, Per Diluted Share0.095.350.26
Earnings Per Share, Diluted$ 1.40$ 7.19$ 1.79
Weighted average shares outstanding192.5191.4189.9
Weighted average dilutive shares outstanding193.1193.0192.2

TRU Balance Sheet

2022-12-31
Consolidated Balance Sheets - USD ($)
$ in Millions
Dec. 31, 2022
Dec. 31, 2021
Current assets:  
Cash and cash equivalents$ 585.3$ 1,842.4
Trade accounts receivable, net of allowance of $11.0 and $10.7602.2558.0
Other current assets262.7231.6
Total current assets1,450.22,632.0
Property, plant and equipment, net of accumulated depreciation and amortization of $711.3 and $625.4218.2247.7
Goodwill5,551.45,525.7
Other intangibles, net of accumulated amortization of $2,268.6 and $1,908.93,675.53,770.6
Other assets771.0459.0
Total assets11,666.312,635.0
Current liabilities:  
Trade accounts payable250.4270.2
Short-term debt and current portion of long-term debt114.6114.6
Other current liabilities540.5972.2
Total current liabilities905.51,357.0
Long-term debt5,555.56,251.3
Deferred Income Tax Liabilities, Net762.0787.6
Other liabilities173.9232.9
Total liabilities7,396.98,628.8
Stockholders’ equity:  
Common Stock, Value, Issued2.02.0
Additional paid-in capital2,290.32,188.9
Treasury Stock, Value(284.5)(252.0)
Retained earnings2,446.62,254.6
Accumulated other comprehensive loss(284.5)(285.4)
Total TransUnion stockholders’ equity4,169.93,908.1
Noncontrolling interests99.598.1
Total stockholders’ equity4,269.44,006.2
Total liabilities and stockholders’ equity$ 11,666.3$ 12,635.0