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Company Analysis

TransUnion TRU

A comprehensive view of key metrics, scores, and financial health for TransUnion

Overview of TransUnion

TRU NYQ
Financial Services Financial Data & Stock Exchanges Large Cap
TransUnion (TRU), is a Large Cap company, in the Financial Data & Stock Exchanges industry, last closed at $69.95, about 66.0% overvalued vs fair value, -18.4% 1Y return, ranked 638/1004 in sector.
$69.95
0.53%
As of March 13, 2026
Previous close • Vol 90d: 42.9%
52-Week Range
Market Cap
$14.90B
Enterprise Value
$19.15B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.transunion.com
HQ Chicago, IL
Employees 13,500
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$13
$24
$45
Current: $69.95 -66% vs base

Engine Room Money Flow™

Large Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$182.3M
539.6%%
Interest Expense
$235.8M
Net Interest Income
$-256.9M
7.9%%
Total Revenue
$4.6B
9.4%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
6.7%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$428.2M
150.6% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
2
Active Leaks
1/2
Improving
0
High Impact
0
Critical
Locked Leak
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Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating TransUnion's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
37
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
34
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing TRU's balance between Growth (40.1%), Profitability (19.5%), and Safety (40.4%). Growth 40% Safety 40% Profitability 20%

Click axes to expand details. Marker shows current allocation.

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Growth

58th percentile vs peers
59
Key Signals
Rev Growth YoY 9.4% 64p EPS Growth YoY 60.2% 78p EPS CAGR 3Y 18.9% 70p Revenue CAGR 3Y 7.2% 35p TSR -7.0% 42p
Strengths
  • Net Debt/Ebitda in top 20% of peers (3.76, 92th percentile)
  • Debt/Fcf Ratio in top 20% of peers (10.08, 92th percentile)
  • Strong liquidity position vs peers
  • Conservative leverage compared to industry peers
Risks

No significant risks identified for this axis.

Profitability

28th percentile vs peers
29
Key Signals
Strengths
Risks
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Safety

59th percentile vs peers
59
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for TransUnion.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$23.76
- - -
-66.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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