TRANSUNION (TRU) Fundamental Analysis & Valuation

NYSE:TRU • US89400J1079

Current stock price

67.87 USD
-2.54 (-3.61%)
At close:
67.9 USD
+0.03 (+0.04%)
After Hours:

This TRU fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. TRU Profitability Analysis

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.
TRU Yearly Net Income VS EBIT VS OCF VS FCFTRU Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B

1.2 Ratios

  • The Return On Assets of TRU (4.10%) is comparable to the rest of the industry.
  • TRU has a Return On Equity of 10.26%. This is comparable to the rest of the industry: TRU outperforms 56.98% of its industry peers.
  • TRU has a Return On Invested Capital of 6.44%. This is comparable to the rest of the industry: TRU outperforms 51.16% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for TRU is significantly below the industry average of 13.10%.
  • The last Return On Invested Capital (6.44%) for TRU is above the 3 year average (5.50%), which is a sign of increasing profitability.
Industry RankSector 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%
TRU Yearly ROA, ROE, ROICTRU Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 20 30

1.3 Margins

  • TRU has a better Profit Margin (9.95%) than 75.58% of its industry peers.
  • TRU's Profit Margin has declined in the last couple of years.
  • With an excellent Operating Margin value of 18.89%, TRU belongs to the best of the industry, outperforming 82.56% of the companies in the same industry.
  • TRU's Operating Margin has been stable in the last couple of years.
  • The Gross Margin of TRU (59.09%) is better than 77.91% of its industry peers.
  • TRU's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 18.89%
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%
TRU Yearly Profit, Operating, Gross MarginsTRU Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 40 60

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4

2. TRU Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), TRU is destroying value.
  • Compared to 1 year ago, TRU has less shares outstanding
  • TRU has more shares outstanding than it did 5 years ago.
  • TRU has a better debt/assets ratio than last year.
TRU Yearly Shares OutstandingTRU Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
TRU Yearly Total Debt VS Total AssetsTRU Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

2.2 Solvency

  • TRU has an Altman-Z score of 2.32. 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 (2.32) which is comparable to the rest of the industry.
  • The Debt to FCF ratio of TRU is 7.71, which is on the high side as it means it would take TRU, 7.71 years of fcf income to pay off all of its debts.
  • TRU has a Debt to FCF ratio of 7.71. This is comparable to the rest of the industry: TRU outperforms 46.51% of its industry peers.
  • A Debt/Equity ratio of 1.11 is on the high side and indicates that TRU has dependencies on debt financing.
  • TRU has a worse Debt to Equity ratio (1.11) than 74.42% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.11
Debt/FCF 7.71
Altman-Z 2.32
ROIC/WACC0.87
WACC7.37%
TRU Yearly LT Debt VS Equity VS FCFTRU Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B 6B

2.3 Liquidity

  • TRU has a Current 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.
  • The Current ratio of TRU (1.75) is better than 60.47% of its industry peers.
  • A Quick Ratio of 1.75 indicates that TRU should not have too much problems paying its short term obligations.
  • With a decent Quick ratio value of 1.75, TRU is doing good in the industry, outperforming 60.47% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.75
Quick Ratio 1.75
TRU Yearly Current Assets VS Current LiabilitesTRU Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

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5

3. TRU Growth Analysis

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.
  • The Earnings Per Share has been growing slightly by 7.47% on average over the past years.
  • TRU shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.38%.
  • The Revenue has been growing by 12.58% on average over the past years. This is quite good.
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 15.14% on average per year.
  • Based on estimates for the next years, TRU will show a small growth in Revenue. The Revenue will grow by 8.00% on average per year.
EPS Next Y10.99%
EPS Next 2Y13.51%
EPS Next 3Y14.69%
EPS Next 5Y15.14%
Revenue Next Year10.88%
Revenue Next 2Y9.45%
Revenue Next 3Y8.92%
Revenue Next 5Y8%

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
TRU Yearly Revenue VS EstimatesTRU Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2B 4B 6B
TRU Yearly EPS VS EstimatesTRU Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2 4 6 8

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4

4. TRU Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 15.78 indicates a correct valuation of TRU.
  • Based on the Price/Earnings ratio, TRU is valued a bit cheaper than 61.63% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.78, TRU is valued a bit cheaper.
  • A Price/Forward Earnings ratio of 14.22 indicates a correct valuation of TRU.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of TRU indicates a somewhat cheap valuation: TRU is cheaper than 61.63% of the companies listed in the same industry.
  • TRU's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.54.
Industry RankSector Rank
PE 15.78
Fwd PE 14.22
TRU Price Earnings VS Forward Price EarningsTRU Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as TRU.
  • TRU's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 19.76
EV/EBITDA 12.37
TRU Per share dataTRU EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 -10 20 -20

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 14.69% in the coming years.
PEG (NY)1.44
PEG (5Y)2.11
EPS Next 2Y13.51%
EPS Next 3Y14.69%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. TRU Dividend Analysis

5.1 Amount

  • TRU has a yearly dividend return of 0.76%, which is pretty low.
  • The stock price of TRU dropped by -22.62% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
  • Compared to an average industry Dividend Yield of 1.86, TRU pays a bit more dividend than its industry peers.
  • With a Dividend Yield of 0.76, TRU pays less dividend than the S&P500 average, which is at 1.89.
Industry RankSector Rank
Dividend Yield 0.76%

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.
  • TRU has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)9.04%
Div Incr Years1
Div Non Decr Years7
TRU Yearly Dividends per shareTRU Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • 19.87% of the earnings are spent on dividend by TRU. This is a low number and sustainable payout ratio.
  • The dividend of TRU is growing, but earnings are growing more, so the dividend growth is sustainable.
DP19.87%
EPS Next 2Y13.51%
EPS Next 3Y14.69%
TRU Yearly Income VS Free CF VS DividendTRU Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B
TRU Dividend Payout.TRU Dividend Payout, showing the Payout Ratio.TRU Dividend Payout.PayoutRetained Earnings

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TRU Fundamentals: All Metrics, Ratios and Statistics

TRANSUNION

NYSE:TRU (4/10/2026, 8:04:00 PM)

After market: 67.9 +0.03 (+0.04%)

67.87

-2.54 (-3.61%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)02-12
Earnings (Next)04-28
Inst Owners106.75%
Inst Owner Change0%
Ins Owners0.42%
Ins Owner Change13.92%
Market Cap13.07B
Revenue(TTM)4.58B
Net Income(TTM)455.50M
Analysts81.6
Price Target95.4 (40.56%)
Short Float %4.5%
Short Ratio2.91
Dividend
Industry RankSector Rank
Dividend Yield 0.76%
Yearly Dividend0.47
Dividend Growth(5Y)9.04%
DP19.87%
Div Incr Years1
Div Non Decr Years7
Ex-Date02-26
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)0.17%
PT rev (3m)-11.43%
EPS NQ rev (1m)0.1%
EPS NQ rev (3m)-5.27%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.11%
Revenue NQ rev (1m)0.25%
Revenue NQ rev (3m)2.78%
Revenue NY rev (1m)0.57%
Revenue NY rev (3m)3%
Valuation
Industry RankSector Rank
PE 15.78
Fwd PE 14.22
P/S 2.86
P/FCF 19.76
P/OCF 13.24
P/B 2.94
P/tB N/A
EV/EBITDA 12.37
EPS(TTM)4.3
EY6.34%
EPS(NY)4.77
Fwd EY7.03%
FCF(TTM)3.44
FCFY5.06%
OCF(TTM)5.13
OCFY7.56%
SpS23.76
BVpS23.05
TBVpS-20.35
PEG (NY)1.44
PEG (5Y)2.11
Graham Number47.22
Profitability
Industry RankSector Rank
ROA 4.1%
ROE 10.26%
ROCE 8.68%
ROIC 6.44%
ROICexc 7.05%
ROICexgc 86.23%
OM 18.89%
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)66.84%
ROICexgc(5y)120.7%
ROCE(3y)7.4%
ROCE(5y)6.76%
ROICexgc growth 3Y20.31%
ROICexgc growth 5Y11.62%
ROICexc growth 3Y15.29%
ROICexc growth 5Y3.14%
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 RankSector Rank
Debt/Equity 1.11
Debt/FCF 7.71
Debt/EBITDA 3.41
Cap/Depr 56.72%
Cap/Sales 7.12%
Interest Coverage 3.69
Cash Conversion 68.61%
Profit Quality 145.25%
Current Ratio 1.75
Quick Ratio 1.75
Altman-Z 2.32
F-Score8
WACC7.37%
ROIC/WACC0.87
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 Y10.99%
EPS Next 2Y13.51%
EPS Next 3Y14.69%
EPS Next 5Y15.14%
Revenue 1Y (TTM)9.38%
Revenue growth 3Y7.25%
Revenue growth 5Y12.58%
Sales Q2Q%12.98%
Revenue Next Year10.88%
Revenue Next 2Y9.45%
Revenue Next 3Y8.92%
Revenue Next 5Y8%
EBIT growth 1Y17.86%
EBIT growth 3Y11.1%
EBIT growth 5Y11.56%
EBIT Next Year87.78%
EBIT Next 3Y31.79%
EBIT Next 5Y21.75%
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 Fundamental Analysis 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.


Can you provide the profitability details for TRANSUNION?

TRANSUNION (TRU) has a profitability rating of 5 / 10.


What is the earnings growth outlook for TRANSUNION?

The Earnings per Share (EPS) of TRANSUNION (TRU) is expected to grow by 10.99% in the next year.


Is the dividend of TRANSUNION sustainable?

The dividend rating of TRANSUNION (TRU) is 5 / 10 and the dividend payout ratio is 19.87%.