Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
TRU 
TransUnion (TRU)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
09/12/2025: TRU (2-star) is currently NOT-A-BUY. Pass it for now.
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 $113.15
1 Year Target Price $113.15
| 10 | Strong Buy |
| 5 | Buy |
| 4 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 38.97% | Avg. Invested days 49 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/12/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 17.87B USD | Price to earnings Ratio 46.09 | 1Y Target Price 113.15 |
Price to earnings Ratio 46.09 | 1Y Target Price 113.15 | ||
Volume (30-day avg) 20 | Beta 1.71 | 52 Weeks Range 66.20 - 112.61 | Updated Date 09/14/2025 |
52 Weeks Range 66.20 - 112.61 | Updated Date 09/14/2025 | ||
Dividends yield (FY) 0.48% | Basic EPS (TTM) 1.99 |
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% | Operating Margin (TTM) 16.86% |
Management Effectiveness
Return on Assets (TTM) 4.91% | Return on Equity (TTM) 9.2% |
Valuation
Trailing PE 46.09 | Forward PE 18.76 | Enterprise Value 22374256000 | Price to Sales(TTM) 4.1 |
Enterprise Value 22374256000 | Price to Sales(TTM) 4.1 | ||
Enterprise Value to Revenue 5.13 | Enterprise Value to EBITDA 16.69 | Shares Outstanding 194800000 | Shares Floating 194024696 |
Shares Outstanding 194800000 | Shares Floating 194024696 | ||
Percent Insiders 0.34 | Percent Institutions 103.5 |
Upturn AI SWOT
TransUnion
Company Overview
History and Background
TransUnion was founded in 1968 as a holding company for Union Tank Car Company. It evolved into a credit reporting agency, becoming a major player in the industry. It has expanded globally through acquisitions and partnerships.
Core Business Areas
- USIS (U.S. Information Services): Provides credit information and risk management solutions to businesses and consumers in the United States.
- International: Offers credit information and risk management solutions to businesses and consumers in international markets.
Leadership and Structure
TransUnion is led by a CEO and a board of directors. The company is structured into business units based on geographic regions and product lines.
Top Products and Market Share
Key Offerings
- Credit Reports and Scores: Provides credit reports and scores to consumers and businesses. Competitors include Experian and Equifax. Hard to pin down market share specifically for the credit reporting product itself. Revenue is embedded across segments.
- Identity Verification Solutions: Offers solutions to verify the identity of consumers and businesses. Competitors include LexisNexis Risk Solutions. Revenue is embedded across segments.
- Fraud Prevention Solutions: Helps businesses prevent fraud. Competitors include Equifax and Experian. Revenue is embedded across segments.
Market Dynamics
Industry Overview
The credit reporting and risk management industry is driven by the demand for accurate and reliable information for lending, identity verification, and fraud prevention. The industry is subject to regulatory oversight.
Positioning
TransUnion is one of the three major credit reporting agencies, along with Experian and Equifax. It competes on data quality, technology, and customer service.
Total Addressable Market (TAM)
The total addressable market for credit reporting and risk management is estimated to be in the tens of billions of dollars annually. TransUnion is positioned to capture a significant portion of this market.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Large database of credit information
- Global presence
- Diversified product offerings
- Advanced technology platform
Weaknesses
- Data security risks
- Regulatory scrutiny
- Customer service issues
- Dependence on economic conditions
Opportunities
- Expansion into new markets
- Development of new products and services
- Increased demand for fraud prevention solutions
- Partnerships with fintech companies
Threats
- Cyberattacks
- Data breaches
- Increased competition
- Economic downturn
- Changes in regulations
Competitors and Market Share
Key Competitors
- EFX
- EXPGY
Competitive Landscape
TransUnion competes with Experian and Equifax on data quality, technology, and customer service. Each company has its strengths and weaknesses. TransUnion has been focusing on growing their fraud prevention and ID resolution business. TransUnion has a decent competitive advantage, but is constantly at risk of data breaches which could cause them to lose customers.
Major Acquisitions
Symmetricom
- Year: 2022
- Acquisition Price (USD millions): 97
- Strategic Rationale: Symmetricom helps to prevent fraudulent activity by providing ID verification services.
Growth Trajectory and Initiatives
Historical Growth: Discuss TransUnion's growth trends over the past years.
Future Projections: Provide projections for TransUnion's future growth based on analyst estimates.
Recent Initiatives: Highlight recent strategic initiatives undertaken by TransUnion.
Summary
TransUnion is a strong player in the credit reporting and risk management industry, benefiting from a large database and global presence. The company's diversified product offerings and advanced technology platform are working well. However, TransUnion faces data security risks and regulatory scrutiny, and needs to look out for increased competition and economic downturns.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Market Research Reports
- Analyst Estimates
Disclaimers:
The information provided is for informational purposes only and should not be construed as investment advice. Market share percentages are based on estimates and may vary.
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.