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TRU 
TransUnion (TRU)
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Upturn Advisory Summary
12/03/2025: 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 $106.95
1 Year Target Price $106.95
| 10 | Strong Buy |
| 5 | Buy |
| 4 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 38.95% | 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 12/03/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 16.06B USD | Price to earnings Ratio 39.25 | 1Y Target Price 106.95 |
Price to earnings Ratio 39.25 | 1Y Target Price 106.95 | ||
Volume (30-day avg) 20 | Beta 1.73 | 52 Weeks Range 66.11 - 100.88 | Updated Date 12/3/2025 |
52 Weeks Range 66.11 - 100.88 | Updated Date 12/3/2025 | ||
Dividends yield (FY) 0.55% | Basic EPS (TTM) 2.1 |
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 39.25 | Forward PE 17.15 | Enterprise Value 20723264000 | Price to Sales(TTM) 3.61 |
Enterprise Value 20723264000 | Price to Sales(TTM) 3.61 | ||
Enterprise Value to Revenue 4.67 | Enterprise Value to EBITDA 14.78 | Shares Outstanding 194200000 | Shares Floating 193339694 |
Shares Outstanding 194200000 | Shares Floating 193339694 | ||
Percent Insiders 0.34 | Percent Institutions 112.09 |
Upturn AI SWOT
TransUnion
Company Overview
History and Background
TransUnion was founded in 1968 as a holding company for Union Tank Car Company. It later expanded into credit reporting and data analytics. Over time, it divested its industrial businesses to focus solely on information and risk management solutions.
Core Business Areas
- US Markets: Provides credit reports, scores, and related services to consumers and businesses in the United States. This segment is the largest revenue driver.
- International: Offers similar services as the US Markets segment, but caters to international markets such as Canada, Latin America, Africa, and Asia Pacific.
- Consumer Interactive: Offers direct-to-consumer credit monitoring, identity protection, and credit education services.
Leadership and Structure
TransUnion is led by President and CEO Christopher Cartwright. The organizational structure consists of various departments responsible for different business functions, including technology, marketing, sales, and operations.
Top Products and Market Share
Key Offerings
- Credit Reports and Scores: Provides credit reports and scores to businesses and consumers. Competitors include Experian (EXPGY) and Equifax (EFX). TransUnion has a significant market share in the credit reporting industry, estimated around 25% in the US.
- Identity Protection Services: Offers identity theft monitoring and protection services to consumers. Competitors include LifeLock (part of NortonLifeLock), Experian IdentityWorks, and Equifax Complete. Market share is smaller than credit reporting but growing.
- Fraud Prevention Solutions: Offers solutions to help businesses prevent fraud. Competitors include LexisNexis Risk Solutions and numerous smaller specialized providers. Market share varies by specific solution.
Market Dynamics
Industry Overview
The credit reporting and risk management industry is driven by factors such as economic growth, regulatory changes, and increasing demand for data-driven insights. The industry is evolving with growing focus on data security and analytics.
Positioning
TransUnion is a leading player in the credit reporting and risk management industry. Its competitive advantages include its extensive data assets, sophisticated analytics capabilities, and strong customer relationships.
Total Addressable Market (TAM)
The TAM for credit reporting, fraud detection, and identity management is estimated to be in the tens of billions of dollars globally. TransUnion is positioned to capture a significant portion of this market with its diverse product offerings.
Upturn SWOT Analysis
Strengths
- Extensive data assets
- Strong brand recognition
- Diversified product offerings
- Established customer relationships
- Advanced analytics capabilities
Weaknesses
- Exposure to economic cycles
- Reputational risk associated with data breaches
- Dependence on regulatory environment
- Integration risk from acquisitions
Opportunities
- Expansion into new geographic markets
- Development of innovative data analytics solutions
- Increasing demand for fraud prevention services
- Growing adoption of cloud-based technologies
Threats
- Increasing competition from existing and new players
- Data security breaches and privacy concerns
- Changes in regulations related to credit reporting and data privacy
- Economic downturns
Competitors and Market Share
Key Competitors
- EFX
- EXPGY
Competitive Landscape
TransUnion competes with Experian and Equifax in the credit reporting market. TransUnion differentiates itself through its advanced analytics capabilities, global reach, and diversified product offerings. Each companies strengths and weakness vary depending on the product line being examined.
Major Acquisitions
Symmetricom
- Year: 2021
- Acquisition Price (USD millions): 176
- Strategic Rationale: Enhance fraud prevention capabilities and expand reach in the insurance industry.
Growth Trajectory and Initiatives
Historical Growth: TransUnion has experienced revenue growth through organic expansion and strategic acquisitions. The company has benefited from the increasing demand for data and analytics solutions.
Future Projections: Analysts expect TransUnion to continue growing revenue and earnings in the coming years, driven by factors such as increasing demand for credit reporting and risk management services, expansion into new markets, and development of innovative products. Projections can be found on investor relations pages.
Recent Initiatives: Recent strategic initiatives undertaken by TransUnion include acquisitions of companies in related industries, investments in technology and data analytics, and expansion into new geographic markets.
Summary
TransUnion is a well-established credit reporting and risk management company with a strong brand, extensive data assets, and diversified product offerings. The company has demonstrated consistent growth through organic expansion and strategic acquisitions. However, TransUnion faces challenges such as increasing competition, data security risks, and regulatory changes. The company should focus on innovating new data analytics solutions and expanding into new markets to maintain its competitive advantage.
Similar Stocks
Sources and Disclaimers
Data Sources:
- TransUnion Investor Relations
- Yahoo Finance
- SEC Filings
- Industry Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share and competitor information is 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.
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