A Business at a Glance
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TransUnion is a leading global information and insights company that makes trust possible between businesses and consumers, helping people around the world access opportunities that can lead to a higher quality of life. That trust is built on TransUnion’s ability to deliver safe, innovative solutions with credibility and consistency. We call this Information for Good. We have built robust data and analytics assets for a large portion of the adult population in the markets we serve. We use our OneTru solution enablement platform to centralize data management, identity resolution and Artificial Intelligence (“AI”) powered analytics, enabling more persistent identity resolution with sharper, more contextualized insights. We use these insights, combined with our industry expertise, to develop relevant solutions to solve customers’ needs, including credit risk, marketing and fraud mitigation.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 4.6B | 4.6B | 4.2B | 3.8B | 3.7B | 3.0B |
| Net Income | 455M | 455M | 284M | -206M | 266M | 1.4B |
| EPS | $2.32 | $2.32 | $1.45 | $-1.07 | $1.38 | $7.20 |
| Free Cash Flow | 662M | 662M | 517M | 335M | -1.0M | 584M |
| ROIC | 7.1% | 7.2% | 5.7% | 1.4% | 4.8% | 6.8% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 1.16 | 1.16 | 1.24 | 1.36 | 1.39 | 1.67 |
| Dividends/Share | $0.46 | $0.46 | $0.42 | $0.42 | $0.40 | $0.10 |
| Operating Income | 858M | 858M | 667M | 129M | 626M | 652M |
| Operating Margin | 18.7% | 18.7% | 15.9% | 3.4% | 16.9% | 22.0% |
| ROE | 10.3% | 10.5% | 6.9% | -5.0% | 6.6% | 43.1% |
| Shares Outstanding | 196M | 196M | 196M | 193M | 193M | 193M |
TransUnion passes 4 of 9 quality checks, suggesting mixed fundamentals.
TransUnion trades at 31.0x trailing earnings, compared to its 15-year median P/E of 38.8x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 20.9x vs a median of 30.5x. The company's 5-year average ROIC is 5.2%. Total shareholder yield (dividends + buybacks) is 2.8%. At current prices, the estimated annualized return to fair value is -2.8%.
TransUnion (TRU) has a current P/E ratio of 31.0, compared to its historical median P/E of 38.8. The stock is currently considered Fair based on its historical valuation range.
TransUnion (TRU) has a 5-year average return on invested capital (ROIC) of 5.2%. This is below average and may indicate limited pricing power.
TransUnion (TRU) has a market capitalization of $14.1B. It is classified as a large-cap stock.
Yes, TransUnion (TRU) pays a dividend with a trailing twelve-month yield of 0.64%. The company also returns capital through share buybacks, with a buyback yield of 2.14%.
Based on historical P/E analysis, TransUnion (TRU) appears fair. The current P/E of 31.0 is 20% below its historical median of 38.8. The estimated fair value CAGR (P/E method) is -3.8%.
TransUnion (TRU) operates in the Services-Consumer Credit Reporting, Collection Agencies industry, within the Industrials sector.
TransUnion (TRU) reported annual revenue of $4.6 billion in its most recent fiscal year, based on SEC EDGAR filings.
TransUnion (TRU) has a net profit margin of 10.0%. This is a modest margin.
TransUnion (TRU) generated $662 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
TransUnion (TRU) has a debt-to-equity ratio of 1.16. This indicates moderate leverage.
TransUnion (TRU) reported earnings per share (EPS) of $2.32 in its most recent fiscal year.
TransUnion (TRU) has a return on equity (ROE) of 10.5%. This indicates moderate shareholder returns.
The Ledger Terminal provides 15 years of financial data for TransUnion (TRU), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
TransUnion (TRU) has a book value per share of $22.62, based on its most recent annual SEC filing.