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TRU 
TransUnion (TRU)
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Upturn Advisory Summary
01/09/2026: TRU (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
20 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $106.6
1 Year Target Price $106.6
| 10 | Strong Buy |
| 5 | Buy |
| 4 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 41.45% | Avg. Invested days 44 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 01/09/2026 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 16.43B USD | Price to earnings Ratio 39.41 | 1Y Target Price 106.6 |
Price to earnings Ratio 39.41 | 1Y Target Price 106.6 | ||
Volume (30-day avg) 20 | Beta 1.72 | 52 Weeks Range 66.11 - 100.65 | Updated Date 01/9/2026 |
52 Weeks Range 66.11 - 100.65 | Updated Date 01/9/2026 | ||
Dividends yield (FY) 0.55% | Basic EPS (TTM) 2.14 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 9.47% | Operating Margin (TTM) 18.2% |
Management Effectiveness
Return on Assets (TTM) 5% | Return on Equity (TTM) 9.8% |
Valuation
Trailing PE 39.41 | Forward PE 17.48 | Enterprise Value 20804828000 | Price to Sales(TTM) 3.7 |
Enterprise Value 20804828000 | Price to Sales(TTM) 3.7 | ||
Enterprise Value to Revenue 4.68 | Enterprise Value to EBITDA 14.84 | Shares Outstanding 194200000 | Shares Floating 193353288 |
Shares Outstanding 194200000 | Shares Floating 193353288 | ||
Percent Insiders 0.33 | Percent Institutions 112.02 |
Upturn AI SWOT
TransUnion
Company Overview
History and Background
TransUnion was founded in 1968 as a holding company for Union Tank Car Company. It expanded into credit reporting in 1969. Key milestones include its acquisition by Marmon Group in 1995, its IPO in 2015, and significant acquisitions such as Argus Information and Data (2018), and Neustar (2021). TransUnion has evolved into a global information and solutions provider, leveraging data and technology to help businesses and consumers.
Core Business Areas
- Consumer Interactive: Provides credit scores, reports, and monitoring services directly to consumers. This segment empowers individuals to understand and manage their credit health, often through subscription-based services. Competitors include Experian and Equifax's direct-to-consumer offerings, as well as various fintech companies.
- U.S. Information Services: Offers credit reporting, fraud prevention, and risk management solutions to businesses within the United States. This includes data for lending decisions, identity verification, and marketing services. Key competitors are Experian and Equifax.
- International: Provides credit reporting and related data services to businesses and consumers in various international markets. This segment aims to replicate the success of U.S. operations in emerging and developed economies. Competitors vary by region but include local credit bureaus and global players like Experian and Equifax.
- Insurable Solutions: Delivers data and analytics to the insurance industry to help with underwriting, claims processing, and fraud detection. This segment leverages TransUnion's vast data assets to provide insights for insurance providers. Competitors include Verisk Analytics and specialized insurance data providers.
Leadership and Structure
TransUnion is led by a board of directors and a senior executive team. The CEO is John R. Oliver. The company operates through its core business segments as outlined above, with functional heads overseeing areas like technology, finance, and operations.
Top Products and Market Share
Key Offerings
- Credit Reports and Scores: Provides comprehensive credit reports and credit scores used by lenders, businesses, and consumers for risk assessment and financial management. Market share data is proprietary, but TransUnion is one of the 'Big Three' credit bureaus, holding a significant portion of the credit reporting market alongside Experian and Equifax. Competitors: Experian, Equifax.
- Identity and Fraud Solutions: Offers a suite of products to verify identities, detect and prevent fraud, and enhance security for businesses. This includes solutions for account opening, transaction monitoring, and compliance. Competitors: Experian, LexisNexis Risk Solutions, Equifax.
- Marketing Services: Leverages consumer data and analytics to help businesses understand their target audiences and personalize marketing efforts. This includes data enrichment and segmentation tools. Competitors: Experian Marketing Services, Acxiom, Epsilon.
- Credit Monitoring and Protection: Consumer-facing services that alert individuals to changes in their credit reports, helping to protect against identity theft and monitor credit health. Competitors: Experian (CreditWorks), Equifax (IdentityWorks), various fintech companies and identity theft protection services.
Market Dynamics
Industry Overview
The credit reporting and data analytics industry is mature but continuously evolving due to technological advancements, regulatory changes, and increasing data availability. Key trends include the rise of alternative data, demand for advanced analytics, focus on cybersecurity, and the growing importance of consumer data privacy.
Positioning
TransUnion is a leading global information and solutions provider, one of the 'Big Three' credit bureaus. Its competitive advantages lie in its extensive data assets, advanced analytics capabilities, global reach, and strong relationships with lenders and businesses. The acquisition of Neustar has significantly enhanced its identity resolution and marketing capabilities.
Total Addressable Market (TAM)
The TAM for credit reporting, identity verification, and data analytics is substantial and growing, estimated to be in the hundreds of billions of dollars globally. TransUnion is well-positioned to capture a significant share of this market, particularly in North America and through its expanding international presence and enhanced digital offerings.
Upturn SWOT Analysis
Strengths
- Strong brand recognition and established market position as one of the 'Big Three' credit bureaus.
- Extensive and diverse data assets.
- Advanced analytics and technology capabilities, amplified by the Neustar acquisition.
- Global presence and diversified revenue streams across various industries.
- Recurring revenue models through subscription services and long-term contracts.
Weaknesses
- Reliance on the credit economy, making it susceptible to economic downturns.
- Potential for data breaches and associated reputational damage.
- Significant debt burden from recent acquisitions.
- Competition from agile fintech startups and niche data providers.
Opportunities
- Expansion into emerging markets with growing credit penetration.
- Leveraging AI and machine learning for more sophisticated data insights.
- Growth in fraud prevention and identity verification services.
- Increased demand for data analytics in various sectors (e.g., healthcare, government).
- Further integration and synergy realization from the Neustar acquisition.
Threats
- Increasing data privacy regulations (e.g., GDPR, CCPA) and compliance costs.
- Technological disruption from new data sources or analytical methods.
- Intensifying competition from existing players and new entrants.
- Economic recessions impacting lending volumes and consumer spending.
- Public perception and trust issues related to data usage and privacy.
Competitors and Market Share
Key Competitors
- Experian (EXPGY)
- Equifax (EFX)
Competitive Landscape
TransUnion competes directly with Experian and Equifax for credit reporting and related services. Its acquisition of Neustar has intensified competition in the identity and marketing solutions space. TransUnion's competitive advantages include its robust data infrastructure and growing analytics capabilities, while it must continuously innovate to stay ahead of technological advancements and regulatory shifts.
Major Acquisitions
Neustar Inc.
- Year: 2021
- Acquisition Price (USD millions): 3400
- Strategic Rationale: To significantly enhance TransUnion's identity resolution capabilities, data intelligence, and marketing services, creating a more comprehensive data and analytics offering.
Argus Information and Data
- Year: 2018
- Acquisition Price (USD millions): 200
- Strategic Rationale: To strengthen its position in the financial services analytics market and expand its offerings in data solutions for banks and credit unions.
Growth Trajectory and Initiatives
Historical Growth: TransUnion has demonstrated consistent revenue growth over the past decade, driven by organic expansion and strategic acquisitions. The integration of Neustar is a key driver for recent and future growth, expanding its capabilities in data and identity.
Future Projections: Analysts project continued revenue growth for TransUnion in the coming years, driven by its diversified business segments and the increasing demand for data analytics and fraud prevention. Projections typically anticipate mid-single-digit to low-double-digit revenue growth.
Recent Initiatives: Key initiatives include the successful integration of Neustar to create a leading data and identity resolution provider, investment in AI and machine learning capabilities, and expansion of its consumer-facing offerings to capitalize on the growing financial wellness trend.
Summary
TransUnion is a strong player in the credit reporting and data analytics industry, benefiting from its extensive data assets and robust technological capabilities, especially after the Neustar acquisition. Its diversified business segments and global reach provide resilience. However, the company faces challenges from economic sensitivities, evolving regulations, and intense competition. Continued investment in innovation and strategic integration of acquired assets will be crucial for sustained growth and market leadership.
Similar Stocks
Sources and Disclaimers
Data Sources:
- TransUnion Investor Relations
- Company SEC Filings (10-K, 10-Q)
- Financial News Outlets (e.g., Wall Street Journal, Reuters)
- Industry Analysis Reports
Disclaimers:
This JSON output is for informational purposes only and does not constitute financial advice. Data accuracy and completeness are subject to the availability and reliability of the sources. Market share and TAM figures are estimates and can vary based on methodology. Past performance is not indicative of future results.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About TransUnion
Exchange NYSE | Headquaters Chicago, IL, United States | ||
IPO Launch date 2015-06-25 | President, CEO & Director Mr. Christopher A. Cartwright | ||
Sector Financial Services | Industry Financial Data & Stock Exchanges | Full time employees 13400 | Website https://www.transunion.com |
Full time employees 13400 | Website https://www.transunion.com | ||
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 and scores, 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.
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