TRANSUNION (TRU) Fundamental Analysis & Valuation

NYSE:TRU • US89400J1079

Current stock price

72.61 USD
-0.47 (-0.64%)
At close:
72.61 USD
0 (0%)
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

  • 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.
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

  • With a Return On Assets value of 4.10%, TRU perfoms like the industry average, outperforming 56.98% of the companies in the same industry.
  • The Return On Equity of TRU (10.26%) is comparable to the rest of the industry.
  • TRU has a Return On Invested Capital (6.44%) which is in line with its industry peers.
  • TRU had an Average Return On Invested Capital over the past 3 years of 5.50%. This is significantly below the industry average of 12.85%.
  • The 3 year average ROIC (5.50%) for TRU is below the current ROIC(6.44%), indicating increased profibility in the last year.
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

  • The Profit Margin of TRU (9.95%) is better than 76.74% of its industry peers.
  • In the last couple of years the Profit Margin of TRU has declined.
  • Looking at the Operating Margin, with a value of 18.89%, TRU belongs to the top of the industry, outperforming 81.40% of the companies in the same industry.
  • TRU's Operating Margin has been stable in the last couple of years.
  • Looking at the Gross Margin, with a value of 59.09%, TRU is in the better half of the industry, outperforming 77.91% of the companies in the same industry.
  • 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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3

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.
  • Compared to 1 year ago, TRU has an improved debt to assets ratio.
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 2.36. 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.
  • The Altman-Z score of TRU (2.36) 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.
  • Looking at the Debt to FCF ratio, with a value of 7.71, TRU is in line with its industry, outperforming 45.35% of the companies in the same industry.
  • A Debt/Equity ratio of 1.11 is on the high side and indicates that TRU has dependencies on debt financing.
  • TRU has a Debt to Equity ratio of 1.11. This is in the lower half of the industry: TRU underperforms 76.74% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.11
Debt/FCF 7.71
Altman-Z 2.36
ROIC/WACC0.86
WACC7.46%
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

  • A Current Ratio of 1.75 indicates that TRU should not have too much problems paying its short term obligations.
  • TRU's Current ratio of 1.75 is in line compared to the rest of the industry. TRU outperforms 59.30% of its industry peers.
  • A Quick Ratio of 1.75 indicates that TRU should not have too much problems paying its short term obligations.
  • TRU has a Quick ratio (1.75) which is comparable to the rest of the 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%.
  • TRU shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 12.58% yearly.
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

  • TRU is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.73% yearly.
  • TRU is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.45% yearly.
EPS Next Y11.13%
EPS Next 2Y13.75%
EPS Next 3Y14.99%
EPS Next 5Y14.73%
Revenue Next Year10.94%
Revenue Next 2Y9.46%
Revenue Next 3Y9%
Revenue Next 5Y7.45%

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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

  • The Price/Earnings ratio is 16.89, which 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.
  • When comparing the Price/Earnings ratio of TRU to the average of the S&P500 Index (27.42), we can say TRU is valued slightly cheaper.
  • A Price/Forward Earnings ratio of 15.20 indicates a correct valuation of TRU.
  • 60.47% of the companies in the same industry are more expensive than TRU, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.24, TRU is valued a bit cheaper.
Industry RankSector Rank
PE 16.89
Fwd PE 15.2
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

  • TRU's Enterprise Value to EBITDA is on the same level as the industry average.
  • TRU's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 21.17
EV/EBITDA 12.68
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 14.99% in the coming years.
PEG (NY)1.52
PEG (5Y)2.26
EPS Next 2Y13.75%
EPS Next 3Y14.99%

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5

5. TRU Dividend Analysis

5.1 Amount

  • TRU has a yearly dividend return of 0.68%, which is pretty low.
  • Compared to an average industry Dividend Yield of 1.74, TRU pays a bit more dividend than its industry peers.
  • With a Dividend Yield of 0.68, TRU pays less dividend than the S&P500 average, which is at 1.81.
Industry RankSector Rank
Dividend Yield 0.68%

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.
  • TRU's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP19.87%
EPS Next 2Y13.75%
EPS Next 3Y14.99%
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 (4/24/2026, 8:11:46 PM)

After market: 72.61 0 (0%)

72.61

-0.47 (-0.64%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)02-12
Earnings (Next)04-28
Inst Owners106.58%
Inst Owner Change-0.4%
Ins Owners0.38%
Ins Owner Change13.64%
Market Cap14.01B
Revenue(TTM)4.58B
Net Income(TTM)455.50M
Analysts81.6
Price Target93.95 (29.39%)
Short Float %4.99%
Short Ratio3.26
Dividend
Industry RankSector Rank
Dividend Yield 0.68%
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)-1.35%
PT rev (3m)-13.03%
EPS NQ rev (1m)0.19%
EPS NQ rev (3m)-5.3%
EPS NY rev (1m)0.12%
EPS NY rev (3m)-1.91%
Revenue NQ rev (1m)0.16%
Revenue NQ rev (3m)2.26%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)2.6%
Valuation
Industry RankSector Rank
PE 16.89
Fwd PE 15.2
P/S 3.06
P/FCF 21.17
P/OCF 14.19
P/B 3.16
P/tB N/A
EV/EBITDA 12.68
EPS(TTM)4.3
EY5.92%
EPS(NY)4.78
Fwd EY6.58%
FCF(TTM)3.43
FCFY4.72%
OCF(TTM)5.12
OCFY7.05%
SpS23.72
BVpS23.01
TBVpS-20.31
PEG (NY)1.52
PEG (5Y)2.26
Graham Number47.181 (-35.02%)
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 2.36
F-Score8
WACC7.46%
ROIC/WACC0.86
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 Y11.13%
EPS Next 2Y13.75%
EPS Next 3Y14.99%
EPS Next 5Y14.73%
Revenue 1Y (TTM)9.38%
Revenue growth 3Y7.25%
Revenue growth 5Y12.58%
Sales Q2Q%12.98%
Revenue Next Year10.94%
Revenue Next 2Y9.46%
Revenue Next 3Y9%
Revenue Next 5Y7.45%
EBIT growth 1Y17.86%
EBIT growth 3Y11.1%
EBIT growth 5Y11.56%
EBIT Next Year88.72%
EBIT Next 3Y32.07%
EBIT Next 5Y21.66%
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 4 / 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 11.13% 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%.