TRANSUNION (TRU) Stock Fundamental Analysis

NYSE:TRU • US89400J1079

73.92 USD
+3.11 (+4.39%)
At close: Feb 13, 2026
73.51 USD
-0.41 (-0.55%)
After Hours: 2/13/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to TRU. TRU was compared to 89 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.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year TRU was profitable.
  • TRU had a positive operating cash flow in the past year.
  • In multiple years TRU reported negative net income over the last 5 years.
  • TRU had a positive operating cash flow in 4 of the past 5 years.
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 0 500M 1B

1.2 Ratios

  • With a Return On Assets value of 3.78%, TRU perfoms like the industry average, outperforming 56.18% of the companies in the same industry.
  • With a Return On Equity value of 9.40%, TRU perfoms like the industry average, outperforming 55.06% of the companies in the same industry.
  • TRU has a Return On Invested Capital (6.18%) which is comparable to the rest of the industry.
  • The Average Return On Invested Capital over the past 3 years for TRU is significantly below the industry average of 12.01%.
  • The 3 year average ROIC (4.87%) for TRU is below the current ROIC(6.18%), indicating increased profibility in the last year.
Industry RankSector 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%
TRU Yearly ROA, ROE, ROICTRU Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 20 30

1.3 Margins

  • Looking at the Profit Margin, with a value of 9.47%, TRU is in the better half of the industry, outperforming 77.53% of the companies in the same industry.
  • TRU's Profit Margin has declined in the last couple of years.
  • TRU's Operating Margin of 18.69% is amongst the best of the industry. TRU outperforms 84.27% of its industry peers.
  • In the last couple of years the Operating Margin of TRU has declined.
  • TRU's Gross Margin of 59.31% is fine compared to the rest of the industry. TRU outperforms 78.65% of its industry peers.
  • TRU's Gross Margin has declined in the last couple of years.
Industry RankSector 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%
TRU Yearly Profit, Operating, Gross MarginsTRU Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40 60

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4

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so TRU is destroying value.
  • TRU has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
TRU Yearly Shares OutstandingTRU Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2B 4B 6B 8B 10B

2.2 Solvency

  • An Altman-Z score of 2.33 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 2.33, TRU is in line with its industry, outperforming 49.44% 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.
  • TRU's Debt to Equity ratio of 1.13 is on the low side compared to the rest of the industry. TRU is outperformed by 70.79% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.13
Debt/FCF 8.89
Altman-Z 2.33
ROIC/WACC0.83
WACC7.41%
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 0 2B 4B 6B

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.
  • Looking at the Current ratio, with a value of 2.01, TRU is in the better half of the industry, outperforming 74.16% 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.
  • TRU has a better Quick ratio (2.01) than 76.40% of its industry peers.
Industry RankSector Rank
Current Ratio 2.01
Quick Ratio 2.01
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 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

4

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.
EPS 1Y (TTM)9.69%
EPS 3Y5.91%
EPS 5Y7.47%
EPS Q2Q%10.31%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%12.98%

3.2 Future

  • The Earnings Per Share is expected to grow by 15.66% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 8.25% on average over the next years. This is quite good.
EPS Next Y13.19%
EPS Next 2Y14.86%
EPS Next 3Y16.36%
EPS Next 5Y15.67%
Revenue Next Year8.5%
Revenue Next 2Y8.42%
Revenue Next 3Y8.1%
Revenue Next 5Y8.25%

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better 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 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 2 4 6

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4

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 17.19, which indicates a rather expensive current valuation of TRU.
  • Compared to the rest of the industry, the Price/Earnings ratio of TRU indicates a somewhat cheap valuation: TRU is cheaper than 64.04% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.97, TRU is valued a bit cheaper.
  • With a Price/Forward Earnings ratio of 15.19, TRU is valued correctly.
  • Based on the Price/Forward Earnings ratio, TRU is valued a bit cheaper than 60.67% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 27.96. TRU is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 17.19
Fwd PE 15.19
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.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as TRU.
Industry RankSector Rank
P/FCF 24.94
EV/EBITDA 12.99
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.
  • TRU's earnings are expected to grow with 16.36% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.3
PEG (5Y)2.3
EPS Next 2Y14.86%
EPS Next 3Y16.36%

More info and screens

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

5

5. Dividend

5.1 Amount

  • With a yearly dividend of 0.65%, TRU is not a good candidate for dividend investing.
  • TRU's Dividend Yield is a higher than the industry average which is at 1.53.
  • With a Dividend Yield of 0.65, TRU pays less dividend than the S&P500 average, which is at 1.79.
Industry RankSector Rank
Dividend Yield 0.65%

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
TRU Yearly Dividends per shareTRU Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • TRU pays out 21.24% of its income as dividend. This is a sustainable payout ratio.
  • TRU's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP21.24%
EPS Next 2Y14.86%
EPS Next 3Y16.36%
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 0 500M 1B
TRU Dividend Payout.TRU Dividend Payout, showing the Payout Ratio.TRU Dividend Payout.PayoutRetained Earnings

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TRANSUNION

NYSE:TRU (2/13/2026, 8:04:00 PM)

After market: 73.51 -0.41 (-0.55%)

73.92

+3.11 (+4.39%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryProfessional Services
Earnings (Last)02-12
Earnings (Next)04-22
Inst Owners110.35%
Inst Owner Change-1.83%
Ins Owners0.33%
Ins Owner Change-3.48%
Market Cap14.36B
Revenue(TTM)N/A
Net Income(TTM)420.50M
Analysts80.8
Price Target106.08 (43.51%)
Short Float %3.73%
Short Ratio3.77
Dividend
Industry RankSector Rank
Dividend Yield 0.65%
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)-1.52%
PT rev (3m)-1.09%
EPS NQ rev (1m)0.1%
EPS NQ rev (3m)0.5%
EPS NY rev (1m)-1.25%
EPS NY rev (3m)-0.99%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)0.07%
Valuation
Industry RankSector Rank
PE 17.19
Fwd PE 15.19
P/S 3.23
P/FCF 24.94
P/OCF 15.57
P/B 3.21
P/tB N/A
EV/EBITDA 12.99
EPS(TTM)4.3
EY5.82%
EPS(NY)4.87
Fwd EY6.58%
FCF(TTM)2.96
FCFY4.01%
OCF(TTM)4.75
OCFY6.42%
SpS22.87
BVpS23.04
TBVpS-20.3
PEG (NY)1.3
PEG (5Y)2.3
Graham Number47.21
Profitability
Industry RankSector 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 RankSector 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 2.33
F-Score9
WACC7.41%
ROIC/WACC0.83
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)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)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%12.98%
Revenue Next Year8.5%
Revenue Next 2Y8.42%
Revenue Next 3Y8.1%
Revenue Next 5Y8.25%
EBIT growth 1Y18.7%
EBIT growth 3Y4.23%
EBIT growth 5Y6.25%
EBIT Next Year124.8%
EBIT Next 3Y40.09%
EBIT Next 5Y26.7%
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 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 4 / 10.


Can you provide the PE and PB ratios for TRU stock?

The Price/Earnings (PE) ratio for TRANSUNION (TRU) is 17.19 and the Price/Book (PB) ratio is 3.21.


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

The financial health rating of TRANSUNION (TRU) is 4 / 10.