TRANSUNION (TRU) Fundamental Analysis & Valuation

NYSE:TRU • US89400J1079

Current stock price

66.64 USD
+0.88 (+1.34%)
Last:

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.
  • 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

  • TRU has a Return On Assets (4.10%) which is in line with its industry peers.
  • TRU has a Return On Equity (10.26%) which 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.
  • Measured over the past 3 years, the Average Return On Invested Capital for TRU is significantly below the industry average of 13.12%.
  • 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

  • The Profit Margin of TRU (9.95%) is better than 75.86% of its industry peers.
  • TRU's Profit Margin has declined in the last couple of years.
  • Looking at the Operating Margin, with a value of 18.89%, TRU belongs to the top of the industry, outperforming 82.76% of the companies in the same industry.
  • In the last couple of years the Operating Margin of TRU has remained more or less at the same level.
  • TRU has a better Gross Margin (59.09%) than 77.01% of its industry peers.
  • In the last couple of years the Gross Margin of TRU has declined.
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.
  • TRU has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for TRU has been increased compared to 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 2.24. 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's Altman-Z score of 2.24 is in line compared to the rest of the industry. TRU outperforms 45.98% of its industry peers.
  • 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.
  • With a Debt to FCF ratio value of 7.71, TRU perfoms like the industry average, outperforming 45.98% of the companies in the same industry.
  • TRU has a Debt/Equity ratio of 1.11. This is a high value indicating a heavy dependency on external financing.
  • TRU's Debt to Equity ratio of 1.11 is on the low side compared to the rest of the industry. TRU is outperformed by 73.56% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.11
Debt/FCF 7.71
Altman-Z 2.24
ROIC/WACC0.87
WACC7.44%
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.
  • Looking at the Current ratio, with a value of 1.75, TRU is in the better half of the industry, outperforming 60.92% of the companies in the same industry.
  • 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.
  • The Quick ratio of TRU (1.75) is better than 60.92% of its industry peers.
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

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.
  • TRU shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.47% yearly.
  • The Revenue has grown by 9.38% in the past year. This is quite good.
  • 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.
  • TRU is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 8.00% yearly.
EPS Next Y10.99%
EPS Next 2Y13.51%
EPS Next 3Y14.69%
EPS Next 5Y15.14%
Revenue Next Year10.88%
Revenue Next 2Y9.46%
Revenue Next 3Y8.92%
Revenue Next 5Y8%

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.
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

  • TRU is valuated correctly with a Price/Earnings ratio of 15.50.
  • 64.37% of the companies in the same industry are more expensive than TRU, based on the Price/Earnings ratio.
  • TRU's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.89.
  • TRU is valuated correctly with a Price/Forward Earnings ratio of 13.96.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of TRU indicates a somewhat cheap valuation: TRU is cheaper than 64.37% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of TRU to the average of the S&P500 Index (22.19), we can say TRU is valued slightly cheaper.
Industry RankSector Rank
PE 15.5
Fwd PE 13.96
TRU Price Earnings VS Forward Price EarningsTRU Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • TRU's Enterprise Value to EBITDA ratio is in line with the industry average.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as TRU.
Industry RankSector Rank
P/FCF 19.4
EV/EBITDA 11.75
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

  • TRU's 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)1.41
PEG (5Y)2.08
EPS Next 2Y13.51%
EPS Next 3Y14.69%

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5

5. TRU Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.73%, TRU is not a good candidate for dividend investing.
  • The stock price of TRU dropped by -24.72% 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.
  • TRU's Dividend Yield is a higher than the industry average which is at 1.81.
  • Compared to an average S&P500 Dividend Yield of 1.89, TRU's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.73%

5.2 History

  • The dividend of TRU is nicely growing with an annual growth rate of 9.04%!
  • 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 Years0
Div Non Decr Years6
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 2Y13.51%
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 (3/30/2026, 9:40:03 AM)

66.64

+0.88 (+1.34%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)02-12
Earnings (Next)04-22
Inst Owners106.75%
Inst Owner Change-7.83%
Ins Owners0.42%
Ins Owner Change13.84%
Market Cap12.83B
Revenue(TTM)4.58B
Net Income(TTM)455.50M
Analysts81.6
Price Target95.4 (43.16%)
Short Float %4.46%
Short Ratio2.99
Dividend
Industry RankSector Rank
Dividend Yield 0.73%
Yearly Dividend0.47
Dividend Growth(5Y)9.04%
DP19.87%
Div Incr Years0
Div Non Decr Years6
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)-1.95%
EPS NY rev (3m)-2.11%
Revenue NQ rev (1m)0.25%
Revenue NQ rev (3m)2.78%
Revenue NY rev (1m)0.95%
Revenue NY rev (3m)3%
Valuation
Industry RankSector Rank
PE 15.5
Fwd PE 13.96
P/S 2.8
P/FCF 19.4
P/OCF 13
P/B 2.89
P/tB N/A
EV/EBITDA 11.75
EPS(TTM)4.3
EY6.45%
EPS(NY)4.77
Fwd EY7.16%
FCF(TTM)3.44
FCFY5.15%
OCF(TTM)5.13
OCFY7.69%
SpS23.76
BVpS23.05
TBVpS-20.35
PEG (NY)1.41
PEG (5Y)2.08
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 2.24
F-Score8
WACC7.44%
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 2Y9.46%
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 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.


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 15.5 and the Price/Book (PB) ratio is 2.89.


What is the financial health of TRANSUNION (TRU) stock?

The financial health rating of TRANSUNION (TRU) is 3 / 10.