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Upturn AI SWOT - About
TRU 
TransUnion (TRU)
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Upturn Advisory Summary
06/30/2025: TRU (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
20 Analysts rated it
Highly popular stock, broad analyst coverage, trusted insights, strong investor interest.
1 Year Target Price $105.67
1 Year Target Price $105.67
| 10 | Strong Buy |
| 5 | Buy |
| 4 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 45.68% | Avg. Invested days 53 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 17.02B USD | Price to earnings Ratio 46.66 | 1Y Target Price 105.67 |
Price to earnings Ratio 46.66 | 1Y Target Price 105.67 | ||
Volume (30-day avg) 20 | Beta 1.64 | 52 Weeks Range 66.29 - 112.76 | Updated Date 06/30/2025 |
52 Weeks Range 66.29 - 112.76 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 0.53% | Basic EPS (TTM) 1.87 |
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 8.63% | Operating Margin (TTM) 28.33% |
Management Effectiveness
Return on Assets (TTM) 4.94% | Return on Equity (TTM) 8.89% |
Valuation
Trailing PE 46.66 | Forward PE 21.32 | Enterprise Value 21608526000 | Price to Sales(TTM) 4 |
Enterprise Value 21608526000 | Price to Sales(TTM) 4 | ||
Enterprise Value to Revenue 5.07 | Enterprise Value to EBITDA 16.53 | Shares Outstanding 195100000 | Shares Floating 194471778 |
Shares Outstanding 195100000 | Shares Floating 194471778 | ||
Percent Insiders 0.34 | Percent Institutions 103.01 |
Analyst Ratings
Rating 5 | Target Price 105.67 | Buy 5 | Strong Buy 10 |
Buy 5 | Strong Buy 10 | ||
Hold 4 | Sell 1 | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
TransUnion
Company Overview
History and Background
TransUnion was founded in 1968 as a holding company for the Union Tank Car Company. It began as a vehicle to manage railcar information and evolved into a leading global information and insights company. Throughout its history, TransUnion has grown organically and through acquisitions, expanding its services beyond credit reporting into risk management, fraud detection, and marketing solutions.
Core Business Areas
- US Information Services (USIS): Provides credit reports, scores, and related services to consumers and businesses in the United States.
- International: Offers credit reporting and related services in international markets, including Canada, Latin America, Asia Pacific, and Africa.
- Consumer Interactive: Provides direct-to-consumer credit monitoring, identity protection, and financial management tools.
Leadership and Structure
TransUnion is led by Christopher Cartwright (President and CEO). The company has a board of directors overseeing its operations and is structured into the business segments outlined above.
Top Products and Market Share
Key Offerings
- Credit Reports and Scores: Provides consumer credit reports and scores to lenders and consumers. TransUnion has a significant market share in the US credit reporting industry, estimated to be around 33%. Competitors include Equifax (EFX) and Experian (EXPGY).
- Identity Protection Services: Offers identity theft protection and monitoring services to consumers. Market share information is fragmented across numerous providers. Competitors include LifeLock (now part of NortonLifeLock) and Experian.
- Fraud Solutions: Offers TruValidate ID Analytics, a fraud and identity risk platform. Competitors include LexisNexis Risk Solutions (RELX) and Experian.
Market Dynamics
Industry Overview
The credit reporting and information services industry is characterized by high barriers to entry, driven by regulatory requirements, data security concerns, and the need for extensive data infrastructure. The industry is evolving towards more advanced analytics, fraud detection, and personalized customer experiences.
Positioning
TransUnion is a leading player in the credit reporting and information services industry, with a strong brand reputation, extensive data assets, and a global presence. Its competitive advantages include its advanced analytics capabilities, diverse product offerings, and strong customer relationships.
Total Addressable Market (TAM)
The global TAM for risk and fraud analytics is estimated to be over $40 billion. TransUnion is well-positioned to capture a significant portion of this market due to its established presence and diverse product offerings.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Extensive data assets
- Global presence
- Advanced analytics capabilities
- Diversified product offerings
Weaknesses
- Dependence on credit reporting revenues
- Exposure to regulatory scrutiny
- Potential data security breaches
- Cybersecurity vulnerabilities
Opportunities
- Expansion into new markets
- Development of new products and services
- Leveraging data analytics for personalization
- Partnerships with fintech companies
- Increased demand for fraud detection solutions
Threats
- Increased competition
- Regulatory changes
- Data security breaches
- Economic downturns
- Technological disruption
Competitors and Market Share
Key Competitors
- EFX
- EXPGY
- RELX
Competitive Landscape
TransUnion competes with other major credit bureaus and information services companies. Its strengths lie in its diversified product offerings and global presence, while its weaknesses include its dependence on credit reporting revenues.
Major Acquisitions
Symmetric
- Year: 2022
- Acquisition Price (USD millions): 350
- Strategic Rationale: Acquisition of Symmetric enables income verification services to improve lending and financial decisions.
Growth Trajectory and Initiatives
Historical Growth: TransUnion has experienced steady growth over the past years, driven by organic expansion and strategic acquisitions.
Future Projections: Analyst estimates vary. Refer to financial news sources for specific projections.
Recent Initiatives: Recent initiatives include investments in technology, acquisitions of companies in complementary industries, and expansion into new geographic markets.
Summary
TransUnion is a strong player in the credit reporting and information services industry, characterized by its diversified product offerings and global presence. Its strengths lie in its large data sets and analytics capabilities. However, they are faced with regulatory scrutiny and depend on credit reporting revenues. TransUnion should continue to invest in technology and explore new markets to maintain its competitive advantage.
Peer Comparison
Sources and Disclaimers
Data Sources:
- TransUnion Investor Relations
- SEC Filings
- Market Research Reports
- Financial News Outlets
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance can change rapidly. Consult with a qualified financial advisor before making any investment decisions.
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 13000 | Website https://www.transunion.com |
Full time employees 13000 | 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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