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TransUnion (TRU)



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Upturn Advisory Summary
08/14/2025: TRU (2-star) is a SELL. SELL since 4 days. Profits (-4.61%). Updated daily EoD!
1 Year Target Price $113.42
1 Year Target Price $113.42
10 | Strong Buy |
5 | Buy |
4 | Hold |
1 | Sell |
0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 38.96% | Avg. Invested days 49 | Today’s Advisory SELL |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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Key Highlights
Company Size Large-Cap Stock | Market Capitalization 17.54B USD | Price to earnings Ratio 45.26 | 1Y Target Price 113.42 |
Price to earnings Ratio 45.26 | 1Y Target Price 113.42 | ||
Volume (30-day avg) 20 | Beta 1.65 | 52 Weeks Range 66.29 - 112.76 | Updated Date 08/15/2025 |
52 Weeks Range 66.29 - 112.76 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 0.49% | 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 2025-07-23 | When Before Market | Estimate 0.9901 | Actual 1.09 |
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 45.26 | Forward PE 22.42 | Enterprise Value 22050888000 | Price to Sales(TTM) 4.03 |
Enterprise Value 22050888000 | Price to Sales(TTM) 4.03 | ||
Enterprise Value to Revenue 5.06 | Enterprise Value to EBITDA 16.44 | Shares Outstanding 194800000 | Shares Floating 194174692 |
Shares Outstanding 194800000 | Shares Floating 194174692 | ||
Percent Insiders 0.36 | Percent Institutions 102.3 |
Upturn AI SWOT
TransUnion

Company Overview
History and Background
TransUnion was founded in 1968 as the holding company for the Union Tank Car Company. It began focusing on credit reporting after acquiring the credit bureau division of the Lyon Agency and quickly grew to be one of the three major credit reporting agencies in the U.S. Expansion included consumer reporting and analytical services.
Core Business Areas
- US Information Services (USIS): Provides credit and consumer information, analytics, and decisioning solutions to businesses in the U.S., primarily serving the financial services, insurance, and healthcare industries.
- International: Offers credit and consumer information, analytics, and decisioning solutions to businesses and consumers outside the U.S. This segment operates in various countries across the globe.
- Consumer Interactive: Provides direct-to-consumer credit monitoring, credit report access, and other identity protection services.
Leadership and Structure
TransUnion is led by a CEO and an executive management team overseeing various business units. The company has a board of directors providing governance and strategic oversight. It operates with a functional organizational structure across its major business segments.
Top Products and Market Share
Key Offerings
- Competitors: Equifax (EFX),Experian (EXPGY)
- Credit Reports and Scores: Provides credit reports and credit scores to consumers and businesses. Competitors include Equifax (EFX) and Experian (EXPGY). TU has a strong market share of the market.
- Competitors: NortonLifeLock,IdentityForce
- Identity Protection Services: Offers identity theft protection and credit monitoring services directly to consumers. TransUnion competes with companies such as LifeLock (part of NortonLifeLock) and IdentityForce.
- Competitors: LexisNexis Risk Solutions,Experian
- Fraud Solutions: Delivers fraud prevention and detection tools to businesses to help minimize losses due to fraudulent activities. Competitors include LexisNexis Risk Solutions and Experian.
Market Dynamics
Industry Overview
The credit reporting and risk management industry is driven by economic conditions, regulatory changes, and technological advancements. The demand for data and analytics to make informed decisions and prevent fraud continues to grow.
Positioning
TransUnion is a global leader in information and risk management solutions. Its competitive advantages include extensive data assets, advanced analytics capabilities, and a broad range of products and services.
Total Addressable Market (TAM)
The Total Addressable Market (TAM) for risk and fraud management in financial services expected to reach $39.38 billion in 2024 and is projected to grow to $60.32 billion by 2029. TransUnion's positioning to capture growth with its suite of services.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Extensive data assets
- Advanced analytics capabilities
- Global presence
- Diversified product portfolio
Weaknesses
- Reliance on credit markets
- Exposure to regulatory scrutiny
- Data breach risks
- High competition in consumer credit monitoring
Opportunities
- Expansion into emerging markets
- Development of new data analytics products
- Strategic partnerships and acquisitions
- Growth in fraud prevention services
- Increased demand for identity protection
Threats
- Economic downturns
- Increased regulation
- Data security breaches
- Intense competition
- Changes in consumer behavior
Competitors and Market Share
Key Competitors
- Equifax (EFX)
- Experian (EXPGY)
Competitive Landscape
TransUnion competes with Equifax and Experian in the credit reporting industry. TransUnion is seeking to expand into risk and fraud management solutions with its acquisition strategy. Its advantages include diversified business and growing international segment
Major Acquisitions
Sontiq
- Year: 2021
- Acquisition Price (USD millions): 638
- Strategic Rationale: Expanded TransUnion's identity protection services with Sontiq's intelligent identity security platform.
Growth Trajectory and Initiatives
Historical Growth: Historical revenue and earnings growth rates can be examined to understand past performance.
Future Projections: Analyst estimates for future revenue, earnings, and EPS growth should be considered.
Recent Initiatives: Examples include new product launches, strategic acquisitions, and partnerships.
Summary
TransUnion is a strong player in the credit reporting and risk management industry, underpinned by its extensive data assets and global reach. Its diverse business segments and strategic acquisitions, such as Sontiq, enhance its position. The company is exposed to data security risks and reliance on economic conditions, but it can leverage opportunities by expanding into new markets and advancing data analytics solutions.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Company Investor Relations
- Market Research Reports
- Industry News Articles
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Financial data is based on publicly available information, and projections are subject to change. Market share data is approximate and derived from various sources. Before making any investment decisions, consult with a qualified financial advisor.
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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