TRANSUNION (TRU) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:TRU - US89400J1079 - Common Stock
86.22 USD
+0.96 (+1.13%)
86.22 USD
0 (0%)
Taking everything into account, TRU scores 5 out of 10 in our fundamental rating. TRU was compared to 88 industry peers in the Professional Services industry. TRU has only an average score on both its financial health and profitability. TRU is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
- TRU had positive earnings in the past year.
- In the past year TRU had a positive cash flow from operations.
- TRU had positive earnings in 4 of the past 5 years.
- Each year in the past 5 years TRU had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of TRU (3.78%) is comparable to the rest of the industry.
- The Return On Equity of TRU (9.40%) is comparable to the rest of the industry.
- TRU has a Return On Invested Capital (6.18%) which is comparable to the rest of the industry.
- TRU had an Average Return On Invested Capital over the past 3 years of 4.87%. This is significantly below the industry average of 11.85%.
- The 3 year average ROIC (4.87%) for TRU is below the current ROIC(6.18%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.78% | ||
| ROE | 9.4% | ||
| ROIC | 6.18% |
ROA(3y)1.01%
ROA(5y)3.74%
ROE(3y)2.69%
ROE(5y)11.41%
ROIC(3y)4.87%
ROIC(5y)4.92%
1.3 Margins
- Looking at the Profit Margin, with a value of 9.47%, TRU is in the better half of the industry, outperforming 77.27% of the companies in the same industry.
- In the last couple of years the Profit Margin of TRU has declined.
- TRU has a better Operating Margin (18.69%) than 84.09% of its industry peers.
- TRU's Operating Margin has declined in the last couple of years.
- The Gross Margin of TRU (59.31%) is better than 78.41% of its industry peers.
- TRU's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 18.69% | ||
| PM (TTM) | 9.47% | ||
| GM | 59.31% |
OM growth 3Y-7.12%
OM growth 5Y-4.43%
PM growth 3Y-47.46%
PM growth 5Y-13.56%
GM growth 3Y-3.37%
GM growth 5Y-2.27%
2. Health
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), TRU is destroying value.
- The number of shares outstanding for TRU has been increased compared to 1 year ago.
- The number of shares outstanding for TRU has been increased compared to 5 years ago.
- The debt/assets ratio for TRU has been reduced compared to a year ago.
2.2 Solvency
- An Altman-Z score of 2.60 indicates that TRU is not a great score, but indicates only limited risk for bankruptcy at the moment.
- Looking at the Altman-Z score, with a value of 2.60, TRU is in line with its industry, outperforming 50.00% of the companies in the same industry.
- The Debt to FCF ratio of TRU is 8.89, which is on the high side as it means it would take TRU, 8.89 years of fcf income to pay off all of its debts.
- TRU has a Debt to FCF ratio (8.89) which is in line with its industry peers.
- TRU has a Debt/Equity ratio of 1.13. This is a high value indicating a heavy dependency on external financing.
- With a Debt to Equity ratio value of 1.13, TRU is not doing good in the industry: 69.32% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.13 | ||
| Debt/FCF | 8.89 | ||
| Altman-Z | 2.6 |
ROIC/WACC0.78
WACC7.92%
2.3 Liquidity
- TRU has a Current Ratio of 2.01. This indicates that TRU is financially healthy and has no problem in meeting its short term obligations.
- With a decent Current ratio value of 2.01, TRU is doing good in the industry, outperforming 73.86% of the companies in the same industry.
- TRU has a Quick Ratio of 2.01. This indicates that TRU is financially healthy and has no problem in meeting its short term obligations.
- Looking at the Quick ratio, with a value of 2.01, TRU is in the better half of the industry, outperforming 76.14% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.01 | ||
| Quick Ratio | 2.01 |
3. Growth
3.1 Past
- TRU shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.00%, which is quite good.
- The Earnings Per Share has been growing slightly by 6.96% on average over the past years.
- Looking at the last year, TRU shows a quite strong growth in Revenue. The Revenue has grown by 8.30% in the last year.
- The Revenue has been growing by 11.18% on average over the past years. This is quite good.
EPS 1Y (TTM)12%
EPS 3Y2.04%
EPS 5Y6.96%
EPS Q2Q%5.77%
Revenue 1Y (TTM)8.3%
Revenue growth 3Y12.22%
Revenue growth 5Y11.18%
Sales Q2Q%7.79%
3.2 Future
- The Earnings Per Share is expected to grow by 13.75% on average over the next years. This is quite good.
- Based on estimates for the next years, TRU will show a small growth in Revenue. The Revenue will grow by 7.81% on average per year.
EPS Next Y9.66%
EPS Next 2Y11.52%
EPS Next 3Y13.13%
EPS Next 5Y13.75%
Revenue Next Year8.72%
Revenue Next 2Y8.35%
Revenue Next 3Y8.35%
Revenue Next 5Y7.81%
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 20.53, which indicates a rather expensive current valuation of TRU.
- Based on the Price/Earnings ratio, TRU is valued a bit cheaper than the industry average as 62.50% of the companies are valued more expensively.
- TRU is valuated rather cheaply when we compare the Price/Earnings ratio to 27.38, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 17.68, which indicates a rather expensive current valuation of TRU.
- Based on the Price/Forward Earnings ratio, TRU is valued a bit cheaper than the industry average as 63.64% of the companies are valued more expensively.
- When comparing the Price/Forward Earnings ratio of TRU to the average of the S&P500 Index (24.29), we can say TRU is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.53 | ||
| Fwd PE | 17.68 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of TRU indicates a somewhat cheap valuation: TRU is cheaper than 60.23% of the companies listed in the same industry.
- The rest of the industry has a similar Price/Free Cash Flow ratio as TRU.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 29.08 | ||
| EV/EBITDA | 15.14 |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates TRU does not grow enough to justify the current Price/Earnings ratio.
- A more expensive valuation may be justified as TRU's earnings are expected to grow with 13.13% in the coming years.
PEG (NY)2.12
PEG (5Y)2.95
EPS Next 2Y11.52%
EPS Next 3Y13.13%
5. Dividend
5.1 Amount
- With a yearly dividend of 0.54%, TRU is not a good candidate for dividend investing.
- TRU's Dividend Yield is a higher than the industry average which is at 1.41.
- Compared to an average S&P500 Dividend Yield of 1.85, TRU's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.54% |
5.2 History
- On average, the dividend of TRU grows each year by 7.03%, which is quite nice.
- TRU has been paying a dividend for over 5 years, so it has already some track record.
- TRU has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)7.03%
Div Incr Years0
Div Non Decr Years6
5.3 Sustainability
- 21.24% of the earnings are spent on dividend by TRU. This is a low number and sustainable payout ratio.
- TRU's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP21.24%
EPS Next 2Y11.52%
EPS Next 3Y13.13%
86.22
+0.96 (+1.13%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)10-23 2025-10-23/bmo
Earnings (Next)02-12 2026-02-12/amc
Inst Owners110.35%
Inst Owner Change-0.03%
Ins Owners0.33%
Ins Owner Change-3.56%
Market Cap16.74B
Revenue(TTM)4.44B
Net Income(TTM)420.50M
Analysts80.8
Price Target108.02 (25.28%)
Short Float %3.44%
Short Ratio3.1
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.54% |
Yearly Dividend0.43
Dividend Growth(5Y)7.03%
DP21.24%
Div Incr Years0
Div Non Decr Years6
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.21%
Min EPS beat(2)4.49%
Max EPS beat(2)7.93%
EPS beat(4)3
Avg EPS beat(4)4.85%
Min EPS beat(4)-0.09%
Max EPS beat(4)7.93%
EPS beat(8)7
Avg EPS beat(8)5.86%
EPS beat(12)9
Avg EPS beat(12)3.91%
EPS beat(16)10
Avg EPS beat(16)2.24%
Revenue beat(2)2
Avg Revenue beat(2)2.55%
Min Revenue beat(2)2.23%
Max Revenue beat(2)2.86%
Revenue beat(4)3
Avg Revenue beat(4)1.58%
Min Revenue beat(4)-0.02%
Max Revenue beat(4)2.86%
Revenue beat(8)7
Avg Revenue beat(8)1.7%
Revenue beat(12)9
Avg Revenue beat(12)0.98%
Revenue beat(16)10
Avg Revenue beat(16)-0.74%
PT rev (1m)0.47%
PT rev (3m)-5.87%
EPS NQ rev (1m)0.1%
EPS NQ rev (3m)2.9%
EPS NY rev (1m)0.16%
EPS NY rev (3m)2.04%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.32%
Revenue NY rev (1m)0.02%
Revenue NY rev (3m)1.44%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.53 | ||
| Fwd PE | 17.68 | ||
| P/S | 3.77 | ||
| P/FCF | 29.08 | ||
| P/OCF | 18.16 | ||
| P/B | 3.74 | ||
| P/tB | N/A | ||
| EV/EBITDA | 15.14 |
EPS(TTM)4.2
EY4.87%
EPS(NY)4.88
Fwd EY5.65%
FCF(TTM)2.96
FCFY3.44%
OCF(TTM)4.75
OCFY5.51%
SpS22.87
BVpS23.04
TBVpS-20.3
PEG (NY)2.12
PEG (5Y)2.95
Graham Number46.66
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.78% | ||
| ROE | 9.4% | ||
| ROCE | 8.2% | ||
| ROIC | 6.18% | ||
| ROICexc | 6.67% | ||
| ROICexgc | 65.18% | ||
| OM | 18.69% | ||
| PM (TTM) | 9.47% | ||
| GM | 59.31% | ||
| FCFM | 12.96% |
ROA(3y)1.01%
ROA(5y)3.74%
ROE(3y)2.69%
ROE(5y)11.41%
ROIC(3y)4.87%
ROIC(5y)4.92%
ROICexc(3y)5.17%
ROICexc(5y)5.36%
ROICexgc(3y)55.44%
ROICexgc(5y)115.16%
ROCE(3y)6.46%
ROCE(5y)6.53%
ROICexgc growth 3Y-43.22%
ROICexgc growth 5Y-5.67%
ROICexc growth 3Y4.94%
ROICexc growth 5Y-1.8%
OM growth 3Y-7.12%
OM growth 5Y-4.43%
PM growth 3Y-47.46%
PM growth 5Y-13.56%
GM growth 3Y-3.37%
GM growth 5Y-2.27%
F-Score9
Asset Turnover0.4
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.13 | ||
| Debt/FCF | 8.89 | ||
| Debt/EBITDA | 3.61 | ||
| Cap/Depr | 61.36% | ||
| Cap/Sales | 7.8% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 66.12% | ||
| Profit Quality | 136.91% | ||
| Current Ratio | 2.01 | ||
| Quick Ratio | 2.01 | ||
| Altman-Z | 2.6 |
F-Score9
WACC7.92%
ROIC/WACC0.78
Cap/Depr(3y)58.48%
Cap/Depr(5y)58.62%
Cap/Sales(3y)7.9%
Cap/Sales(5y)7.95%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)12%
EPS 3Y2.04%
EPS 5Y6.96%
EPS Q2Q%5.77%
EPS Next Y9.66%
EPS Next 2Y11.52%
EPS Next 3Y13.13%
EPS Next 5Y13.75%
Revenue 1Y (TTM)8.3%
Revenue growth 3Y12.22%
Revenue growth 5Y11.18%
Sales Q2Q%7.79%
Revenue Next Year8.72%
Revenue Next 2Y8.35%
Revenue Next 3Y8.35%
Revenue Next 5Y7.81%
EBIT growth 1Y18.7%
EBIT growth 3Y4.23%
EBIT growth 5Y6.25%
EBIT Next Year124.8%
EBIT Next 3Y40.02%
EBIT Next 5Y25.76%
FCF growth 1Y66.15%
FCF growth 3Y-4%
FCF growth 5Y-2.22%
OCF growth 1Y38.58%
OCF growth 3Y0.99%
OCF growth 5Y1.4%
TRANSUNION / TRU FAQ
Can you provide the ChartMill fundamental rating for TRANSUNION?
ChartMill assigns a fundamental rating of 5 / 10 to TRU.
What is the valuation status of TRANSUNION (TRU) stock?
ChartMill assigns a valuation rating of 4 / 10 to TRANSUNION (TRU). This can be considered as Fairly Valued.
How profitable is TRANSUNION (TRU) stock?
TRANSUNION (TRU) has a profitability rating of 5 / 10.
Can you provide the PE and PB ratios for TRU stock?
The Price/Earnings (PE) ratio for TRANSUNION (TRU) is 20.53 and the Price/Book (PB) ratio is 3.74.
What is the financial health of TRANSUNION (TRU) stock?
The financial health rating of TRANSUNION (TRU) is 4 / 10.