TransUnion

TransUnion

TRU · NYSE · Financial Services / Financial Data & Stock Exchanges

81.07USD+0.10 (+0.12%)

Price History

Full chart

Market Stats

Previous Close80.97
Open82.11
Day Range80.93 – 82.55
52-Week Range60.96 – 88.68
Volume1.25M
Market Cap14.64B
P/E (TTM)18.68
Forward P/E14.01
EPS4.11
Dividend Yield0.70%
Beta1.58
50-Day Avg74.49
200-Day Avg74.09

About

TransUnion operates as a global consumer credit reporting agency that provides risk and information solutions. The company operates in two segments, U.S. Markets and International. The U.S. Markets segment provides credit reporting, credit marketing, analytics and consulting, identity verification, and authentication and debt recovery solutions for financial services industry; and onboarding and transaction processing products, scoring and analytic products, marketing solutions, fraud and identity management solutions, and customer retention solutions, as well select market-specific solutions for insurance, technology, retail and e-commerce, telecommunications, media, tenant and employment screening, collections, and public sectors. It also offers credit reports, scores, and freezes credit monitoring, identity protection and resolution, and financial management for consumers, as well as helps businesses respond to data breach events through its own websites, as well as channels. The International segment offers credit reports, analytics, technology solutions, and other value-added risk management services; consumer services, which helps consumers to manage their personal finances; credit bureaus; and consumer and business credit reporting, insurance and auto information solutions, and commercial credit information services. This segment serves customers in financial services, retail credit, insurance, automotive, collections, public sector, and communications industries through direct and indirect channels. The company was formerly known as TransUnion Holding Company, Inc. and changed its name to TransUnion in March 2015. TransUnion was founded in 1968 and is headquartered in Chicago, Illinois.

Company Details

  • SectorFinancial Services
  • IndustryFinancial Data & Stock Exchanges
  • CEOMr. Christopher A. Cartwright
  • Employees13.50K
  • Headquarters555 West Adams, Chicago, IL, United States, 60661, USA
  • Websitehttps://www.transunion.com

Leadership

  • Mr. Christopher A. CartwrightPresident, CEO & Director · b. 1965
  • Mr. Todd M. Cello CPAExecutive VP & CFO · b. 1976
  • Ms. Tiffani L. ChambersExecutive VP & COO · b. 1978
  • Ms. Alicia B. ZuikerExecutive VP & Chief Human Resources Officer · b. 1982
  • Mr. Mohamed F. AbdelsadekExecutive VP & Chief Global Solutions Officer · b. 1976
  • Ms. Jennifer A. WilliamsSenior VP & Chief Accounting Officer · b. 1974
  • Mr. Venkat AchantaExecutive VP and Chief Technology, Data & Analytics Officer · b. 1973
  • Mr. Gregory R. Bardi C.F.A.Vice President of Investor Relations
  • Ms. Heather J. Russell J.D.Executive VP & Chief Legal Officer · b. 1972
  • Mr. Clayton F. Ruebensaal IIIExecutive VP & Chief Marketing and Communications Officer

Financials

Income Statement

Currency: USD2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue1.14B1.18B1.30B1.51B1.70B1.93B2.32B2.46B2.53B2.96B3.71B3.83B4.18B4.58B
Growth (%)-+3.79%+10.27%+15.49%+13.15%+13.43%+19.83%+6.30%+2.74%+16.98%+25.33%+3.27%+9.20%+9.38%
Cost of Revenue448.70M473.90M500.20M531.60M579.10M645.70M790.10M805.50M853.90M1.02B1.39B1.52B1.67B1.87B
Gross Profit691.30M709.30M804.50M975.20M1.13B1.29B1.53B1.66B1.68B1.94B2.32B2.31B2.51B2.70B
Gross Margin60.64%59.95%61.66%64.72%66.03%66.61%65.90%67.30%66.26%65.47%62.66%60.40%60.01%59.09%
Operating Expense459.60M540.10M676.10M778.10M825.30M823.40M1.01B1.12B1.18B1.29B1.70B2.19B1.84B1.85B
Operating Income231.70M169.20M128.40M197.10M300.50M464.70M512.50M541.70M500.30M651.90M626.30M128.50M666.70M857.80M
Operating Margin20.32%14.30%9.84%13.08%17.63%24.03%22.12%21.99%19.77%22.02%16.88%3.35%15.94%18.74%
EBITDA245.90M358.50M429.40M439.20M556.10M698.10M787.90M886.80M862.50M995.20M1.13B667.30M1.20B1.45B
EBITDA Margin21.57%30.30%32.91%29.15%32.62%36.10%34.00%36.00%34.08%33.62%30.54%17.42%28.78%31.76%
Net Income-63.70M-35.10M-12.50M5.90M120.60M441.20M276.60M346.90M343.20M1.39B266.30M-206.20M284.40M455.40M
Net Income Margin-5.59%-2.97%-0.96%0.39%7.07%22.82%11.94%14.08%13.56%46.97%7.18%-5.38%6.80%9.95%
R&D-000000-------
R&D as % of Total Revenue-0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense125.00M197.60M190.00M173.20M86.90M99.50M151.10M190.60M134.90M132.20M230.90M288.20M265.20M235.80M
Interest Expense % of Total Revenue10.96%16.70%14.56%11.49%5.10%5.15%6.52%7.74%5.33%4.47%6.22%7.52%6.34%5.15%

Balance Sheet

Currency: USD2011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets-4.38B4.49B4.67B4.45B4.78B5.12B7.04B7.11B7.31B12.63B11.67B11.11B10.98B11.11B
Total Liabilities-3.57B3.78B3.92B3.08B3.31B3.29B5.06B4.77B4.68B8.63B7.40B7.00B6.67B6.57B
Total Equity-702.80M627.90M587.10M1.23B1.36B1.73B1.89B2.25B2.54B3.91B4.17B4.01B4.22B4.44B
Cash-154.30M111.20M77.90M133.20M182.20M115.80M187.40M274.10M493.00M1.84B585.30M476.20M679.50M853.60M
Total Debt-1.68B2.87B2.94B2.20B2.38B2.46B4.05B3.73B3.52B6.52B5.81B5.45B5.21B5.16B
Net Debt-1.53B2.76B2.86B2.07B2.19B2.35B3.86B3.46B3.03B4.68B5.22B4.97B4.53B4.30B

Cash Flow

Currency: USD2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow99.40M143.40M154.30M309.10M389.90M468.00M555.70M776.70M787.40M808.30M297.20M645.40M832.50M987.60M
Investing Cash Flow-1.57B-367.00M-276.00M-197.10M-495.80M-480.80M-2.02B-203.90M-267.20M-2.21B-723.90M-318.90M-307.40M-331.70M
Financing Cash Flow1.61B187.30M91.90M-51.30M153.80M-51.70M1.54B-486.70M-296.90M2.76B-820.50M-438.80M-308.70M-494.60M
Capital Expenditure69.20M81.70M155.20M132.20M124.00M135.30M180.10M198.50M214.10M224.20M298.20M310.70M315.80M326.00M
Free Cash Flow30.20M61.70M-900.00K176.90M265.90M332.70M375.60M578.20M573.30M584.10M-1.00M334.70M516.70M661.60M
Dividends Paid27.90M1.20B1.97B2.27B350.00M248.40M41.60M56.80M57.60M69.80M77.80M81.80M82.70M90.50M
FCF to OCF30.38%43.03%-0.58%57.23%68.20%71.09%67.59%74.44%72.81%72.26%-0.34%51.86%62.07%66.99%
Dividend Paid to FCF92.38%1942.30%-219311.11%1280.95%131.63%74.66%11.08%9.82%10.05%11.95%-7780.00%24.44%16.01%13.68%

Earnings

Report DateJul 28, 2015Oct 27, 2015Feb 16, 2016Apr 26, 2016Jul 26, 2016Oct 25, 2016Feb 14, 2017Apr 25, 2017Jul 25, 2017Oct 27, 2017Feb 13, 2018Apr 20, 2018Jul 24, 2018Oct 23, 2018Feb 14, 2019Apr 23, 2019Jul 23, 2019Oct 22, 2019Feb 18, 2020Apr 28, 2020Jul 28, 2020Oct 27, 2020Feb 16, 2021Apr 27, 2021Jul 27, 2021Oct 26, 2021Feb 22, 2022Apr 26, 2022Jul 26, 2022Oct 25, 2022Feb 14, 2023Apr 25, 2023Jul 25, 2023Oct 24, 2023Feb 13, 2024Apr 25, 2024Jul 25, 2024Oct 23, 2024Feb 11, 2025Apr 24, 2025Jul 24, 2025Oct 23, 2025Feb 17, 2026Apr 28, 2026Jul 28, 2026Oct 22, 2026Oct 27, 2026
EPS Estimate0.210.280.240.260.330.360.350.390.440.460.480.520.600.630.630.590.650.710.720.670.500.760.790.800.910.930.910.920.970.910.820.740.820.940.710.810.971.010.950.980.991.041.021.110.991.061.06
EPS Actual0.270.300.310.320.370.380.440.420.470.490.500.570.620.650.660.600.690.760.750.730.660.810.800.910.961.010.810.930.980.930.780.800.860.910.800.920.991.040.971.051.081.101.071.181.07-1.12
Surprise28.57%7.14%29.17%23.08%12.12%5.56%25.71%7.69%6.82%6.52%4.17%9.62%3.33%3.17%4.76%1.69%6.15%7.04%4.17%8.96%32.00%6.58%1.27%13.75%5.49%8.60%-10.99%1.09%1.03%2.20%-4.88%8.11%4.88%-3.19%12.68%13.58%2.06%2.97%1.96%7.14%9.09%5.77%4.90%6.31%8.08%-5.66%
TimingAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market-Pre-marketPre-marketPre-marketPre-market

Key Statistics & Ratios

Market Cap14.64B
Enterprise Value19.04B
Trailing P/E18.68
Forward P/E14.01
PEG Ratio1.08
Price / Sales2.91
Price / Book2.97
EPS4.11
Book Value25.43
Revenue (TTM)5.04B
Gross Profit (TTM)2.96B
EBITDA1.60B
Profit Margin15.83%
Operating Margin20.36%
Return on Equity16.96%
Return on Assets5.25%
Shares Outstanding190.70M
Shares Float189.57M
Beta1.58
Dividend Yield0.70%
Dividend Rate0.54
Payout Ratio11.49%

Analyst Ratings

Buy
Based on 22 analystsTarget 90.19
  • Strong Buy
    11
  • Buy
    5
  • Hold
    6

Ownership Breakdown

Institutions
114.95%
Insiders
0.49%
Retail / Other
0.00%

Top Institutional Holders

  • Dodge & Cox
    24.20M12.63%
  • BlackRock Inc
    18.96M9.89%
  • Independent Franchise Partners LLP
    13.98M7.29%
  • FMR Inc
    11.72M6.11%
  • Massachusetts Financial Services Company
    10.67M5.57%
  • Vanguard Capital Management, LLC
    8.72M4.55%
  • Vanguard Portfolio Management, LLC
    8.21M4.28%
  • State Street Corp
    7.12M3.71%
  • T. Rowe Price Investment Management,Inc.
    6.84M3.57%
  • Wellington Management Company LLP
    6.60M3.45%
  • Morgan Stanley - Brokerage Accounts
    6.35M3.32%
  • Citadel Advisors Llc
    4.36M2.28%
  • Amvescap Plc.
    4.26M2.22%
  • Jupiter Topco LLC
    3.89M2.03%
  • HHG PLC
    3.74M1.95%
  • Meritage Group LP
    3.66M1.91%

Top Fund Holders

  • Dodge & Cox Stock I
    16.14M8.42%
  • iShares Core S&P Mid-Cap ETF
    6.82M3.56%
  • Vanguard MStar Total Stk Mkt Idx Invest
    6.08M3.17%
  • Vanguard Small Cap Index
    4.31M2.25%

Dividends

20264×
0.14Nov 10, 20260.13Aug 20, 20260.13May 27, 20260.13Feb 26, 2026
20254×
0.12Nov 21, 20250.12Aug 22, 20250.12May 22, 20250.12Feb 27, 2025
20244×
0.10Nov 22, 20240.10Aug 23, 20240.10May 16, 20240.10Mar 6, 2024
20234×
0.10Nov 16, 20230.10Aug 22, 20230.10May 18, 20230.10Mar 8, 2023
20224×
0.10Nov 16, 20220.10Aug 24, 20220.10May 26, 20220.10Mar 9, 2022
20214×
0.10Nov 23, 20210.10Aug 24, 20210.10May 25, 20210.07Mar 10, 2021