TRANSUNION (TRU) Stock Fundamental Analysis
NYSE:TRU • US89400J1079
72.01 USD
+0.78 (+1.1%)
At close: Feb 24, 2026
72.01 USD
0 (0%)
After Hours: 2/24/2026, 6:30:00 PM
Overall TRU gets a fundamental rating of 5 out of 10. We evaluated TRU against 88 industry peers in the Professional Services industry. While TRU is still in line with the averages on profitability rating, there are concerns on its financial health. TRU has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- In the past year TRU was profitable.
- In the past year TRU had a positive cash flow from operations.
- Of the past 5 years TRU 4 years were profitable.
- In the past 5 years TRU always reported a positive cash flow from operatings.
1.2 Ratios
- TRU has a Return On Assets of 4.10%. This is comparable to the rest of the industry: TRU outperforms 56.82% of its industry peers.
- TRU has a Return On Equity (10.26%) which is in line with its industry peers.
- TRU has a Return On Invested Capital (6.44%) which is comparable to the rest of the industry.
- Measured over the past 3 years, the Average Return On Invested Capital for TRU is significantly below the industry average of 12.91%.
- The 3 year average ROIC (5.50%) for TRU is below the current ROIC(6.44%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.1% | ||
| ROE | 10.26% | ||
| ROIC | 6.44% |
ROA(3y)1.61%
ROA(5y)3.62%
ROE(3y)3.95%
ROE(5y)10.76%
ROIC(3y)5.5%
ROIC(5y)5.02%
1.3 Margins
- TRU has a Profit Margin of 9.95%. This is in the better half of the industry: TRU outperforms 75.00% of its industry peers.
- TRU's Profit Margin has declined in the last couple of years.
- TRU has a Operating Margin of 18.90%. This is amongst the best in the industry. TRU outperforms 82.95% of its industry peers.
- In the last couple of years the Operating Margin of TRU has remained more or less at the same level.
- Looking at the Gross Margin, with a value of 59.09%, TRU is in the better half of the industry, outperforming 78.41% of the companies in the same industry.
- In the last couple of years the Gross Margin of TRU has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 18.9% | ||
| PM (TTM) | 9.95% | ||
| GM | 59.09% |
OM growth 3Y3.59%
OM growth 5Y-0.9%
PM growth 3Y11.06%
PM growth 5Y-6%
GM growth 3Y-4.12%
GM growth 5Y-2.26%
2. Health
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), TRU is destroying value.
- TRU has less shares outstanding than it did 1 year ago.
- Compared to 5 years ago, TRU has more shares outstanding
- Compared to 1 year ago, TRU has an improved debt to assets ratio.
2.2 Solvency
- TRU has an Altman-Z score of 2.35. This is not the best score and indicates that TRU is in the grey zone with still only limited risk for bankruptcy at the moment.
- TRU has a Altman-Z score (2.35) which is comparable to the rest of the industry.
- TRU has a debt to FCF ratio of 7.71. This is a slightly negative value and a sign of low solvency as TRU would need 7.71 years to pay back of all of its debts.
- TRU has a Debt to FCF ratio (7.71) which is comparable to the rest of the industry.
- TRU has a Debt/Equity ratio of 1.11. This is a high value indicating a heavy dependency on external financing.
- TRU has a worse Debt to Equity ratio (1.11) than 71.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.11 | ||
| Debt/FCF | 7.71 | ||
| Altman-Z | 2.35 |
ROIC/WACC0.88
WACC7.34%
2.3 Liquidity
- A Current Ratio of 1.75 indicates that TRU should not have too much problems paying its short term obligations.
- TRU has a Current ratio of 1.75. This is comparable to the rest of the industry: TRU outperforms 56.82% of its industry peers.
- TRU has a Quick Ratio of 1.75. This is a normal value and indicates that TRU is financially healthy and should not expect problems in meeting its short term obligations.
- TRU has a Quick ratio of 1.75. This is comparable to the rest of the industry: TRU outperforms 57.95% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.75 | ||
| Quick Ratio | 1.75 |
3. Growth
3.1 Past
- TRU shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.69%, which is quite good.
- Measured over the past 5 years, TRU shows a small growth in Earnings Per Share. The EPS has been growing by 7.47% on average per year.
- Looking at the last year, TRU shows a quite strong growth in Revenue. The Revenue has grown by 9.38% in the last year.
- Measured over the past years, TRU shows a quite strong growth in Revenue. The Revenue has been growing by 12.58% on average per year.
EPS 1Y (TTM)9.69%
EPS 3Y5.91%
EPS 5Y7.47%
EPS Q2Q%10.31%
Revenue 1Y (TTM)9.38%
Revenue growth 3Y7.25%
Revenue growth 5Y12.58%
Sales Q2Q%12.98%
3.2 Future
- Based on estimates for the next years, TRU will show a quite strong growth in Earnings Per Share. The EPS will grow by 15.66% on average per year.
- Based on estimates for the next years, TRU will show a quite strong growth in Revenue. The Revenue will grow by 8.25% on average per year.
EPS Next Y13.19%
EPS Next 2Y14.86%
EPS Next 3Y16.36%
EPS Next 5Y15.67%
Revenue Next Year9.83%
Revenue Next 2Y9.14%
Revenue Next 3Y8.81%
Revenue Next 5Y8.25%
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 16.75, which indicates a correct valuation of TRU.
- Based on the Price/Earnings ratio, TRU is valued a bit cheaper than 63.64% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 26.98. TRU is valued slightly cheaper when compared to this.
- A Price/Forward Earnings ratio of 14.79 indicates a correct valuation of TRU.
- The rest of the industry has a similar Price/Forward Earnings ratio as TRU.
- When comparing the Price/Forward Earnings ratio of TRU to the average of the S&P500 Index (28.01), we can say TRU is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.75 | ||
| Fwd PE | 14.79 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, TRU is valued a bit cheaper than the industry average as 60.23% of the companies are valued more expensively.
- TRU's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 21.14 | ||
| EV/EBITDA | 12.56 |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
- A more expensive valuation may be justified as TRU's earnings are expected to grow with 16.36% in the coming years.
PEG (NY)1.27
PEG (5Y)2.24
EPS Next 2Y14.86%
EPS Next 3Y16.36%
5. Dividend
5.1 Amount
- With a yearly dividend of 0.66%, TRU is not a good candidate for dividend investing.
- TRU's Dividend Yield is a higher than the industry average which is at 1.66.
- Compared to an average S&P500 Dividend Yield of 1.81, TRU's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.66% |
5.2 History
- On average, the dividend of TRU grows each year by 9.04%, which is quite nice.
- TRU has been paying a dividend for over 5 years, so it has already some track record.
- As TRU did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)9.04%
Div Incr Years0
Div Non Decr Years6
5.3 Sustainability
- 19.87% 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.
DP19.87%
EPS Next 2Y14.86%
EPS Next 3Y16.36%
72.01
+0.78 (+1.1%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)02-12 2026-02-12/bmo
Earnings (Next)04-22 2026-04-22/bmo
Inst Owners110.35%
Inst Owner Change-7.84%
Ins Owners0.33%
Ins Owner Change7.24%
Market Cap13.98B
Revenue(TTM)4.58B
Net Income(TTM)455.50M
Analysts80.8
Price Target106.08 (47.31%)
Short Float %4.18%
Short Ratio3.27
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.66% |
Yearly Dividend0.47
Dividend Growth(5Y)9.04%
DP19.87%
Div Incr Years0
Div Non Decr Years6
Ex-Date02-26 2026-02-26 (0.125)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.22%
Min EPS beat(2)3.94%
Max EPS beat(2)4.49%
EPS beat(4)4
Avg EPS beat(4)5.86%
Min EPS beat(4)3.94%
Max EPS beat(4)7.93%
EPS beat(8)7
Avg EPS beat(8)4.88%
EPS beat(12)10
Avg EPS beat(12)4.73%
EPS beat(16)11
Avg EPS beat(16)3.23%
Revenue beat(2)2
Avg Revenue beat(2)2.27%
Min Revenue beat(2)2.23%
Max Revenue beat(2)2.31%
Revenue beat(4)4
Avg Revenue beat(4)2.17%
Min Revenue beat(4)1.27%
Max Revenue beat(4)2.86%
Revenue beat(8)7
Avg Revenue beat(8)1.74%
Revenue beat(12)10
Avg Revenue beat(12)1.29%
Revenue beat(16)11
Avg Revenue beat(16)0.61%
PT rev (1m)-1.79%
PT rev (3m)-1.33%
EPS NQ rev (1m)-5.31%
EPS NQ rev (3m)-5.25%
EPS NY rev (1m)-0.09%
EPS NY rev (3m)-0.33%
Revenue NQ rev (1m)1.76%
Revenue NQ rev (3m)2.44%
Revenue NY rev (1m)1.57%
Revenue NY rev (3m)2.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.75 | ||
| Fwd PE | 14.79 | ||
| P/S | 3.06 | ||
| P/FCF | 21.14 | ||
| P/OCF | 14.16 | ||
| P/B | 3.15 | ||
| P/tB | N/A | ||
| EV/EBITDA | 12.56 |
EPS(TTM)4.3
EY5.97%
EPS(NY)4.87
Fwd EY6.76%
FCF(TTM)3.41
FCFY4.73%
OCF(TTM)5.09
OCFY7.06%
SpS23.56
BVpS22.86
TBVpS-20.18
PEG (NY)1.27
PEG (5Y)2.24
Graham Number47.03
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.1% | ||
| ROE | 10.26% | ||
| ROCE | 8.68% | ||
| ROIC | 6.44% | ||
| ROICexc | 7.05% | ||
| ROICexgc | 85.93% | ||
| OM | 18.9% | ||
| PM (TTM) | 9.95% | ||
| GM | 59.09% | ||
| FCFM | 14.46% |
ROA(3y)1.61%
ROA(5y)3.62%
ROE(3y)3.95%
ROE(5y)10.76%
ROIC(3y)5.5%
ROIC(5y)5.02%
ROICexc(3y)5.91%
ROICexc(5y)5.48%
ROICexgc(3y)66.73%
ROICexgc(5y)120.64%
ROCE(3y)7.4%
ROCE(5y)6.76%
ROICexgc growth 3Y20.16%
ROICexgc growth 5Y11.54%
ROICexc growth 3Y15.28%
ROICexc growth 5Y3.13%
OM growth 3Y3.59%
OM growth 5Y-0.9%
PM growth 3Y11.06%
PM growth 5Y-6%
GM growth 3Y-4.12%
GM growth 5Y-2.26%
F-Score8
Asset Turnover0.41
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.11 | ||
| Debt/FCF | 7.71 | ||
| Debt/EBITDA | 3.41 | ||
| Cap/Depr | 56.72% | ||
| Cap/Sales | 7.12% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 68.61% | ||
| Profit Quality | 145.25% | ||
| Current Ratio | 1.75 | ||
| Quick Ratio | 1.75 | ||
| Altman-Z | 2.35 |
F-Score8
WACC7.34%
ROIC/WACC0.88
Cap/Depr(3y)58.23%
Cap/Depr(5y)58.32%
Cap/Sales(3y)7.59%
Cap/Sales(5y)7.68%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)9.69%
EPS 3Y5.91%
EPS 5Y7.47%
EPS Q2Q%10.31%
EPS Next Y13.19%
EPS Next 2Y14.86%
EPS Next 3Y16.36%
EPS Next 5Y15.67%
Revenue 1Y (TTM)9.38%
Revenue growth 3Y7.25%
Revenue growth 5Y12.58%
Sales Q2Q%12.98%
Revenue Next Year9.83%
Revenue Next 2Y9.14%
Revenue Next 3Y8.81%
Revenue Next 5Y8.25%
EBIT growth 1Y17.87%
EBIT growth 3Y11.1%
EBIT growth 5Y11.56%
EBIT Next Year90.39%
EBIT Next 3Y33.43%
EBIT Next 5Y25.78%
FCF growth 1Y28.04%
FCF growth 3YN/A
FCF growth 5Y2.91%
OCF growth 1Y18.63%
OCF growth 3Y49.23%
OCF growth 5Y4.64%
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 16.75 and the Price/Book (PB) ratio is 3.15.
What is the financial health of TRANSUNION (TRU) stock?
The financial health rating of TRANSUNION (TRU) is 3 / 10.