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TransUnion (TRU)

Upturn stock ratingUpturn stock rating
$90.06
Last Close (24-hour delay)
Profit since last BUY-4.61%
upturn advisory
SELL
SELL since 4 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

08/14/2025: TRU (2-star) is a SELL. SELL since 4 days. Profits (-4.61%). Updated daily EoD!

Upturn Star Rating

rating

Below Average Performance

These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.

Number of Analysts

rating

20 Analysts rated it

Well-followed company, solid analyst reports, reliable data for confident investing.

1 Year Target Price $113.42

1 Year Target Price $113.42

Analysts Price Target For last 52 week
$113.42 Target price
52w Low $66.29
Current$90.06
52w High $112.76

Analysis of Past Performance

Type Stock
Historic Profit 38.96%
Avg. Invested days 49
Today’s Advisory SELL
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 3.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/14/2025

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

ai summary icon Upturn AI SWOT

TransUnion

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 13400

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.