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TRU

58.66USD-1.87(-3.09%)Market Closed

TransUnion

Market Summary

USD58.66-1.87Market Closed
-3.09%

TRU Stock Price

RSI Chart

Valuation

Market Cap

11.5B

Price/Earnings

9.25

Price/Sales

3.19

Price/Cashflow

51.32

MarketCap/EBT

21.11

Price/Sales

Profitability

EBT Margin

14.53%

Return on Equity

30.6%

Return on Assets

10.51%

Fundamentals

Revenue

Revenue (TTM)

3.6B

Revenue Y/Y

18.52%

Revenue Q/Q

-1.07%

Earnings

Earnings (TTM)

1.2B

Earnings Y/Y

-30.65%

Earnings Q/Q

-17.15%

Price Action

52 Week Range

119.74
(Low)(High)

Last 7 days

-3.0%

Last 30 days

12.5%

Last 90 days

-23.0%

Trailing 12 Months

-48.3%

Financial Health

Current Ratio

1.73

Debt/Equity

1.58

Debt/Cashflow

0.05

Investor Care

Dividend Yield

0.41%

Shares Dilution (1Y)

0.52%

Diluted EPS (TTM)

6.42

Peers (Alternatives to TransUnion)

View All Peers In Detail
NameMkt Capsorted ascendingRevenuePrice %, 1MReturns, 1YP/EP/SRev 1-YrInc 1-Yr
LARGE-CAP
43.3B
-
-3.01% 21.03%
35.92
9.31
- -
28.4B
3.0B
9.32% -17.86%
27.15
9.33
2.96% 47.71%
20.9B
5.2B
19.23% -30.68%
29.45
4.04
8.11% 1.95%
11.5B
3.6B
12.47% -48.29%
9.25
3.19
23.32% 163.15%
10.1B
3.5B
0.43% 43.61%
18.72
2.84
-17.23% -31.38%
MID-CAP
8.4B
7.3B
-0.49% -29.98%
12.44
1.16
21.44% 29.16%
4.3B
4.5B
1.89% -32.49%
9.9
0.99
12.82% -21.77%
4.1B
20.4B
10.44% -8.08%
9.62
0.2
0.02% 62.48%
4.1B
4.9B
15.77% -27.75%
10.78
0.83
11.90% 29.55%
2.6B
1.4B
5.05% 32.68%
23.99
1.89
26.70% 33.35%
SMALL-CAP
1.8B
593.7M
-10.87% -69.59%
-18.34
2.96
25.77% -192.87%
1.3B
1.7B
-2.71% -24.67%
15.46
0.81
11.67% 21.97%
672.8M
2.3B
6.48% -25.02%
8.92
0.29
11.98% 52.55%
615.0M
1.0B
9.50% 40.85%
14.03
0.61
10.93% 14.78%
567.4M
1.1B
6.28% -33.29%
7.47
0.5
28.14% 15.67%

Financials for TransUnion

Income Statement (Last 12 Months)
(In Millions)
Description(%) Q/Q2022Q32022Q22022Q12021Q42021Q3
Revenue4.2%3,5983,4513,2313,0092,917
Operating Expenses6.1%2,9102,7432,5342,3132,277
  S&GA Expenses7.2%1,2821,1951,076944887
Earnings Before Taxes-501
Net Income-2.7%1,2411,2761,3081,387471
Balance Sheet
(In Millions)
Description(%) Q/Q2022Q32022Q22022Q12021Q42021Q3
Assets-0.6%11,80411,87612,19712,6357,508
  Current Assets3.0%1,5391,4942,1682,6321,451
    Cash Equivalents14.2%5965221,2971,842709
  Net PPE-2.9%212218233248196
  Goodwill-1.3%5,5135,5875,5045,5263,425
Liabilities-1.1%7,6507,7378,0558,6294,527
  Current Liabilities-2.8%8909161,2091,357680
  Long Term Debt-6,366----
    LT Debt, Non Current-0.5%5,7795,8055,8326,2513,253
Shareholder's Equity0.4%4,0544,0394,0403,9082,881
  Retained Earnings2.5%2,4212,3622,2852,2551,256
  Additional Paid-In Capital0.9%2,2402,2192,1892,162-
Accumulated Depreciation2.8%685666654625622
Shares Outstanding0.1%193192192192-
Minority Interest0%10010010298100
Cashflow (Last 12 Months)
(In Millions)
Description(%) Q/Q2022Q32022Q22022Q12021Q42021Q3
Cashflow From Operations-28.5%224313675808890
  Share Based Compensation3.5%8077726969
Cashflow From Investing0.1%-2,741.50-2,743.70-2,232.00-2,212.90-321.70
Cashflow From Financing-0.5%2,4302,4432,4272,762-418.50
  Dividend Payments-0.1%74747066

Risks

What is the probability of a big loss on TRU?

55.4%


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

31.5%


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

23.5%


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.

Returns

Cumulative Returns on TRU

57.8%


10-Year Cumulative Returns

12.5%


7-Year Cumulative Returns

1.5%


5-Year Cumulative Returns

-11.5%


3-Year Cumulative Returns

What are the long-term rolling returns for TRU?

FIve years rolling returns for TransUnion.

Which funds bought or sold TRU recently?

View All Details
Datesorted ascendingFund NameType% Chg$ Change$ Held% Portfolio
2022-11-23
Eagle Bay Advisors LLC
REDUCED
-98.65
-47,434
-
-%
2022-11-22
CVA Family Office, LLC
-
-
-103,000
8,000
-%
2022-11-22
TEACHERS RETIREMENT SYSTEM OF THE STATE OF KENTUCKY
NEW
-
1,958,000
1,958,000
0.02%
2022-11-21
FourThought Financial, LLC
-
-
-3,000
8,000
-%
2022-11-21
CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM
-
-
-6,783,000
19,026,000
0.03%
2022-11-18
National Pension Service
ADDED
2.42
-5,371,000
17,381,000
0.04%
2022-11-17
CENTRAL TRUST Co
ADDED
11.21
-9,000
43,000
-%
2022-11-17
M&T Bank Corp
-
-
-635,000
2,632,000
0.01%
2022-11-16
CAPTRUST FINANCIAL ADVISORS
REDUCED
-59.33
-562,000
244,000
-%
2022-11-15
CIBC Private Wealth Group, LLC
REDUCED
-1.48
-6,282,000
17,226,000
0.05%

1–10 of 46

Latest Funds Activity

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

TransUnion News

Marketscreener.com

Suspected Digital Holiday Shopping Fraud in Canada Increases 58% Compared to Rest of 2022.18 hours ago

GuruFocus.com

TRU Fair Value

Recent SEC filings of TransUnion

View All Filings
Date Filed Form Type Document
Nov 23, 2022
8-K
Current Report
Oct 25, 2022
8-K
Current Report
Oct 25, 2022
10-Q
Quarterly Report
Oct 06, 2022
4
Insider Trading
Sep 19, 2022
4
Insider Trading
Sep 02, 2022
4
Insider Trading
Sep 02, 2022
4
Insider Trading
Sep 02, 2022
4
Insider Trading

Latest Insider Trading transactions for TRU

Filter Transactions
Datesorted ascendingNameBuy/Sell$ ValueAvg. Price# SharesTitle
2022-09-15
Awad George M
ACQUIRED
102,840
8.57
12,000
-
2022-09-01
Krause Karen E
ACQUIRED
-
-
3,125
EVP, Strategy & Communications
2022-09-01
Williams Jennifer A.
ACQUIRED
-
-
1,018
SVP, Chief Accounting Officer
2022-09-01
Awad George M
ACQUIRED
102,840
8.57
12,000
-
2022-08-04
Cartwright Christopher A
BOUGHT
1,985,450
79.418
25,000
President and CEO
2022-07-27
Awad George M
ACQUIRED
102,840
8.57
12,000
-
2022-07-07
Singisetti Ravi Kumar
ACQUIRED
-
-
2,033
-
2022-07-07
Dia Hamidou
ACQUIRED
-
-
2,033
-
2022-06-13
BOSWORTH WILLIAM
SOLD
-31,881.6
78.72
-405
-
2022-05-11
CLARK SUZANNE PATRICIA
ACQUIRED
-
-
2,094
-

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

2022-09-30
Consolidated Statements of Income - USD ($)
shares in Millions, $ in Millions
3 Months Ended9 Months Ended
Sep. 30, 2022
Sep. 30, 2021
Sep. 30, 2022
Sep. 30, 2021
Income Statement [Abstract]    
Revenue$ 938.2$ 743.4$ 2,807.8$ 2,170.4
Operating expenses    
Cost of services (exclusive of depreciation and amortization below)305.6243.1911.7704.6
Selling, general and administrative333.6239.61,020.1658.5
Depreciation and amortization129.690.9389.0273.6
Total operating expenses768.7573.72,320.81,636.7
Operating income169.5169.7487.0533.7
Non-operating income and (expense)    
Interest expense(61.3)(25.7)(163.4)(77.1)
Interest income1.10.83.12.4
Earnings from equity method investments3.52.99.78.6
Other income and (expense), net(2.0)(18.7)(20.2)(16.9)
Total non-operating income and (expense)(58.7)(40.7)(170.9)(83.0)
Income from continuing operations before income taxes110.8128.9316.1450.7
Provision for income taxes(30.6)(32.3)(84.1)(114.6)
Income (Loss) from Continuing Operations, Net of Tax, Including Portion Attributable to Noncontrolling Interest80.396.7232.0336.1
Income (Loss) from Discontinued Operations, Net of Tax, Attributable to Parent(2.4)(21.5)(2.3)(45.6)
Net income82.7118.2234.3381.7
Less: net income attributable to the noncontrolling interests(3.5)(4.0)(11.3)(12.0)
Income (Loss) from Continuing Operations, Net of Tax, Attributable to Parent76.892.7220.7324.1
Income (Loss) from Discontinued Operations, Net of Tax, Attributable to Parent2.421.52.345.6
Net income$ 79.2$ 114.2$ 223.0$ 369.7
Earnings Per Share, Basic [Abstract]    
Income (Loss) from Continuing Operations, Per Basic Share$ 0.40$ 0.48$ 1.15$ 1.69
Discontinued Operation, Income (Loss) from Discontinued Operation, Net of Tax, Per Basic Share0.010.110.010.24
Earnings Per Share, Basic0.410.601.161.93
Earnings Per Share, Diluted [Abstract]    
Income (Loss) from Continuing Operations, Per Diluted Share0.400.481.141.68
Discontinued Operation, Income (Loss) from Discontinued Operation, Net of Tax, Per Diluted Share0.010.110.010.24
Earnings Per Share, Diluted$ 0.41$ 0.59$ 1.15$ 1.92
Earnings Per Share, Diluted [Abstract]    
Weighted Average Number of Shares Outstanding, Basic192.6191.6192.4191.3
Weighted Average Number of Shares Outstanding, Diluted193.2193.1193.1192.9

TRU Balance Sheet

2022-09-30
Consolidated Balance Sheets - USD ($)
$ in Millions
Sep. 30, 2022
Dec. 31, 2021
Current assets:  
Cash and cash equivalents$ 596.1$ 1,842.4
Trade accounts receivable, net of allowance of $10.9 and $10.7634.8558.0
Other current assets286.5231.6
Current assets of discontinued operations21.40.0
Total current assets1,538.82,632.0
Property, plant and equipment, net of accumulated depreciation and amortization of $684.7 and $625.4212.0247.7
Goodwill5,513.45,525.7
Other intangibles, net of accumulated amortization of $2,144.4 and $1,908.93,701.63,770.6
Other assets713.3459.0
Other assets of discontinued operations125.00.0
Total assets11,804.112,635.0
Current liabilities:  
Trade accounts payable257.3270.2
Short-term debt and current portion of long-term debt114.6114.6
Other current liabilities506.9972.2
Current liabilities of discontinued operations11.10.0
Total current liabilities889.91,357.0
Long-term debt5,778.96,251.3
Deferred taxes801.9787.6
Other liabilities179.6232.9
Other liabilities of discontinued operations0.10.0
Total liabilities7,650.48,628.8
Stockholders’ equity:  
Common stock, $0.01 par value; 1.0 billion shares authorized at September 30, 2022 and December 31, 2021, 198.6 million and 197.4 million shares issued at September 30, 2022 and December 31, 2021, respectively, and 192.7 million shares and 191.8 million shares outstanding as of September 30, 2022 and December 31, 2021, respectively2.02.0
Additional paid-in capital2,270.02,188.9
Treasury stock at cost; 5.9 million and 5.6 million shares at September 30, 2022 and December 31, 2021, respectively(282.0)(252.0)
Retained earnings2,420.92,254.6
Accumulated other comprehensive loss(357.4)(285.4)
Total TransUnion stockholders’ equity4,053.53,908.1
Noncontrolling interests100.298.1
Total stockholders’ equity4,153.74,006.2
Total liabilities and stockholders’ equity$ 11,804.1$ 12,635.0