Market Summary
USD62.14+0.62
Market Closed1.01%
TRU Stock Price
TRU RSI Chart
TRU Valuation
TRU Price/Sales (Trailing)
TRU Profitability
TRU Fundamentals
TRU Revenue
TRU Earnings
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
TRU Investor Care
Peers (Alternatives to TransUnion)
View All Peers In Detail| Name | Mkt Capsorted ascending | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
|---|---|---|---|---|---|---|---|---|
| LARGE-CAP | ||||||||
VRSK | 29.7B | 2.5B | 11.60% | -11.99% | 31.12 | 11.89 | 1.40% | 43.19% |
EFX | 24.8B | 5.1B | -1.40% | -16.13% | 35.69 | 4.85 | 4.03% | -6.45% |
TRU | 12.0B | 3.7B | -5.98% | -40.49% | 40.25 | 3.2 | 26.46% | -78.55% |
NLSN | 10.1B | 3.5B | 0.43% | 43.61% | 18.72 | 2.84 | -17.23% | -31.38% |
| MID-CAP | ||||||||
RHI | 8.7B | 7.2B | -3.31% | -33.13% | 13.19 | 1.2 | 12.02% | 9.90% |
TNET | 4.9B | 4.9B | -4.88% | -22.86% | 13.75 | 1 | 7.60% | 5.03% |
KFRC | 4.6B | 1.7B | 0.13% | -16.16% | 61.4 | 2.71 | 8.28% | 0.34% |
MAN | 4.3B | 19.8B | -4.32% | -16.36% | 11.41 | 0.22 | -4.33% | -2.25% |
ASGN | 4.1B | 4.6B | -8.74% | -30.65% | 15.26 | 0.89 | 14.26% | -34.59% |
CBZ | 2.5B | 1.4B | -2.04% | 17.39% | 23.57 | 1.76 | 27.79% | 48.62% |
| SMALL-CAP | ||||||||
UPWK | 1.5B | 618.3M | -4.59% | -54.56% | -16.67 | 2.42 | 22.98% | -59.82% |
BBSI | 609.0M | 1.1B | -8.14% | 16.10% | 12.88 | 0.58 | 10.38% | 24.13% |
HSII | 603.0M | 1.1B | -14.36% | -26.46% | 7.59 | 0.56 | 7.45% | 9.53% |
TBI | 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) | |||||
|---|---|---|---|---|---|---|
| Description | (%) Q/Q | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 |
| Revenue | 4.1% | 3,744 | 3,598 | 3,403 | 3,183 | 2,960 |
| Operating Expenses | 2.8% | 3,079 | 2,997 | 2,802 | 2,564 | 2,313 |
| S&GA Expenses | 2.4% | 1,337 | 1,306 | 1,212 | 1,084 | 944 |
| EBITDA | 2.6% | 1,137 | 1,108 | 1,045 | 991 | - |
| EBITDA Margin | -5.4% | 0.30* | 0.32* | 0.32* | 0.33* | - |
| Earnings Before Taxes | -22.8% | 387 | 501 | - | - | - |
| EBT Margin | -28.8% | 0.10* | 0.15* | 0.16* | 0.17* | - |
| Interest Expenses | 16.1% | 231 | 199 | 163 | 137 | 113 |
| Net Income | -76.0% | 297 | 1,241 | 1,276 | 1,308 | 1,387 |
| Net Income Margin | -77.0% | 0.08* | 0.34* | 0.37* | 0.40* | - |
| Free Cahsflow | 97.8% | -1.00 | -44.50 | 64.00 | 433 | - |
| Balance Sheet | (In Millions) | |||||
|---|---|---|---|---|---|---|
| Description | (%) Q/Q | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 |
| Assets | -1.2% | 11,666 | 11,804 | 11,876 | 12,197 | 12,635 |
| Current Assets | -5.8% | 1,450 | 1,539 | 1,494 | 2,168 | 2,632 |
| Cash Equivalents | -1.8% | 585 | 596 | 522 | 1,297 | 1,842 |
| Net PPE | 2.9% | 218 | 212 | 218 | 233 | 248 |
| Goodwill | 0.7% | 5,551 | 5,513 | 5,587 | 168 | 5,526 |
| Liabilities | -3.3% | 7,397 | 7,650 | 7,737 | 8,055 | 8,629 |
| Current Liabilities | 1.8% | 906 | 890 | 916 | 1,209 | 1,357 |
| Long Term Debt | - | 6,366 | - | - | - | - |
| LT Debt, Non Current | -3.9% | 5,556 | 5,779 | 5,805 | 5,832 | 6,251 |
| Shareholder's Equity | 2.9% | 4,170 | 4,054 | 4,039 | 4,040 | 3,908 |
| Retained Earnings | 1.1% | 2,447 | 2,421 | 2,362 | 2,285 | 2,255 |
| Additional Paid-In Capital | 0.9% | 2,290 | 2,270 | 2,240 | 2,219 | 2,189 |
| Accumulated Depreciation | 3.9% | 711 | 685 | 666 | 654 | 625 |
| Shares Outstanding | 0.1% | 193 | 193 | 193 | 192 | 192 |
| Minority Interest | -0.7% | 100 | 100 | 100 | 102 | 98.00 |
| Cashflow (Last 12 Months) | (In Millions) | |||||
|---|---|---|---|---|---|---|
| Description | (%) Q/Q | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 |
| Cashflow From Operations | 33.0% | 297 | 224 | 313 | 675 | 808 |
| Share Based Compensation | 0.7% | 83.00 | 82.00 | 79.00 | 73.00 | 69.00 |
| Cashflow From Investing | 73.6% | -723 | -2,741 | -2,743 | -2,232 | -2,212 |
| Cashflow From Financing | -133.8% | -820 | 2,430 | 2,443 | 2,427 | 2,762 |
| Dividend Payments | 2.6% | 78.00 | 76.00 | 74.00 | 74.00 | 70.00 |
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 ascending | Fund Name | Type | % 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% |
Latest Funds Activity
Calls
Puts
Net Call Options
No. of Funds
TransUnion News
Schedule 13G FIlings of TransUnion
| Date Filed | Name of Filer | Percent of Class | No. of Shares | Form 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 Value | Very Pessimistic | Pessimistic | Base Case | Optimistic | Very 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 ascending | Name | Buy/Sell | $ Value | Avg. Price | # Shares | Title |
|---|---|---|---|---|---|---|
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 |
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
2022-12-31Consolidated 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, Operating | 1,222.9 | 991.6 | 853.9 |
| Operating expenses | |||
| Selling, general and administrative | 1,337.4 | 943.9 | 829.7 |
| Depreciation and amortization | 519.0 | 377.0 | 346.8 |
| Total operating expenses | 3,079.3 | 2,312.5 | 2,030.4 |
| Operating income | 630.5 | 647.7 | 500.3 |
| Non-operating income and (expense) | |||
| Interest expense | (230.9) | (112.6) | (126.2) |
| Interest income | 4.7 | 3.4 | 5.6 |
| Earnings from equity method investments | 13.0 | 12.0 | 8.9 |
| 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 taxes | 387.2 | 501.4 | 389.5 |
| Provision for income taxes | (119.9) | (130.9) | (83.7) |
| Income from continuing operations | 267.3 | 370.5 | 305.7 |
| Discontinued operations, net of tax | 17.4 | 1,031.7 | 49.8 |
| Net income | 284.7 | 1,402.2 | 355.6 |
| Less: net income attributable to noncontrolling interests | (15.2) | (15.0) | (12.4) |
| Net income attributable to TransUnion | 269.5 | 1,387.1 | 343.2 |
| 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 Share | 0.09 | 5.39 | 0.26 |
| Earnings Per Share, Basic | 1.40 | 7.25 | 1.81 |
| Income (Loss) from Continuing Operations, Per Diluted Share | 1.31 | 1.84 | 1.53 |
| Discontinued Operation, Income (Loss) from Discontinued Operation, Net of Tax, Per Diluted Share | 0.09 | 5.35 | 0.26 |
| Earnings Per Share, Diluted | $ 1.40 | $ 7.19 | $ 1.79 |
| Weighted average shares outstanding | 192.5 | 191.4 | 189.9 |
| Weighted average dilutive shares outstanding | 193.1 | 193.0 | 192.2 |
TRU Balance Sheet
2022-12-31Consolidated 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 $10.7 | 602.2 | 558.0 |
| Other current assets | 262.7 | 231.6 |
| Total current assets | 1,450.2 | 2,632.0 |
| Property, plant and equipment, net of accumulated depreciation and amortization of $711.3 and $625.4 | 218.2 | 247.7 |
| Goodwill | 5,551.4 | 5,525.7 |
| Other intangibles, net of accumulated amortization of $2,268.6 and $1,908.9 | 3,675.5 | 3,770.6 |
| Other assets | 771.0 | 459.0 |
| Total assets | 11,666.3 | 12,635.0 |
| Current liabilities: | ||
| Trade accounts payable | 250.4 | 270.2 |
| Short-term debt and current portion of long-term debt | 114.6 | 114.6 |
| Other current liabilities | 540.5 | 972.2 |
| Total current liabilities | 905.5 | 1,357.0 |
| Long-term debt | 5,555.5 | 6,251.3 |
| Deferred Income Tax Liabilities, Net | 762.0 | 787.6 |
| Other liabilities | 173.9 | 232.9 |
| Total liabilities | 7,396.9 | 8,628.8 |
| Stockholders’ equity: | ||
| Common Stock, Value, Issued | 2.0 | 2.0 |
| Additional paid-in capital | 2,290.3 | 2,188.9 |
| Treasury Stock, Value | (284.5) | (252.0) |
| Retained earnings | 2,446.6 | 2,254.6 |
| Accumulated other comprehensive loss | (284.5) | (285.4) |
| Total TransUnion stockholders’ equity | 4,169.9 | 3,908.1 |
| Noncontrolling interests | 99.5 | 98.1 |
| Total stockholders’ equity | 4,269.4 | 4,006.2 |
| Total liabilities and stockholders’ equity | $ 11,666.3 | $ 12,635.0 |