TransUnion (TRU) 10-Year Financial Performance & Capital Metrics

TRU • • Industrial / General

IndustrialsConsulting ServicesData & Analytics ServicesCredit & Risk Information

AboutTransUnion provides risk and information solutions. The company operates in three segments: U.S. Markets, International, and Consumer Interactive. The U.S. Markets segment provides consumer reports, actionable insights, and analytics to businesses. These businesses use its services to acquire new customers; assess consumer ability to pay for services; identify cross-selling opportunities; measure and manage debt portfolio risk; collect debt; verify consumer identities; and mitigate fraud risk. This segment serves various industry vertical markets, including financial services, insurance, tenant and employment, collections and services, technology, commerce and communication, public sector, media, and other markets. The International segment offers credit reports, analytics, technology solutions, and other value-added risk management services; and consumer services, which help consumers to manage their personal finances and consumer 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 Consumer Interactive segment provides credit reports and scores, credit monitoring, identity protection and resolution, and financial management solutions that enable consumers to manage their personal finances and take precautions against identity theft. This segment offers its products through online and mobile interfaces, as well as through direct and indirect channels. The company serves customers in approximately 30 countries and territories, including North America, Latin America, Europe, Africa, India, and the Asia Pacific. 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.Show more

Revenue $4.18B +9.2%
EBITDA $1.2B +84.5%
Net Income $284M +237.9%
EPS (Diluted) 1.45 +235.5%
Gross Margin 60.01% -0.6%
EBITDA Margin 28.79% +68.9%
Operating Margin 15.94% +375.1%
Net Margin 6.8% +226.3%
ROE 6.75% +237.1%
ROIC 5.58% +437.3%
Debt/Equity 1.21 -9.1%
Interest Coverage 2.51 +463.8%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong Piotroski F-Score: 7/9
✓High quality earnings: Operating CF exceeds net income
✓Strong 5Y sales CAGR of 11.2%
✓Healthy 5Y average net margin of 13.8%

✗Weaknesses

✗Weak 3Y average ROE of 2.8%

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y12.36%

5Y11.18%

3Y12.22%

TTM8.3%

Profit (Net Income) CAGR

10Y-

5Y-3.9%

3Y-41.08%

TTM37.82%

EPS CAGR

10Y-

5Y-4.34%

3Y-41.36%

TTM86.09%

ROCE

10Y Avg6.79%

5Y Avg5.69%

3Y Avg4.52%

Latest6.66%

Peer Comparison

Credit & Risk Information

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
TRUTransUnion	16.56B	85.26	58.80	9.2%	9.47%	9.18%	3.12%	1.21
EFXEquifax Inc.	26.83B	219.21	45.29	7.9%	11.08%	12.98%	3.03%	1.02

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Sales/Revenue+	1.51B	1.7B	1.93B	2.32B	2.46B	2.53B	2.96B	3.71B	3.83B	4.18B
Revenue Growth %	0.15%	0.13%	0.13%	0.2%	0.06%	0.03%	0.17%	0.25%	0.03%	0.09%
Cost of Goods Sold+	531.6M	579.1M	645.7M	790.1M	805.5M	853.9M	1.02B	1.39B	1.52B	1.67B
COGS % of Revenue	0.35%	0.34%	0.33%	0.34%	0.33%	0.34%	0.35%	0.37%	0.4%	0.4%
Gross Profit+	975.2M	1.13B	1.29B	1.53B	1.66B	1.68B	1.94B	2.32B	2.31B	2.51B
Gross Margin %	0.65%	0.66%	0.67%	0.66%	0.67%	0.66%	0.65%	0.63%	0.6%	0.6%
Gross Profit Growth %	0.21%	0.15%	0.14%	0.19%	0.09%	0.01%	0.16%	0.2%	-0%	0.08%
Operating Expenses+	778.1M	825.3M	823.4M	1.01B	1.12B	1.18B	1.29B	1.7B	2.19B	1.84B
OpEx % of Revenue	0.52%	0.48%	0.43%	0.44%	0.45%	0.46%	0.43%	0.46%	0.57%	0.44%
Selling, General & Admin	499.7M	560.1M	585.4M	707.7M	777.4M	793.3M	909M	1.15B	1.17B	1.24B
SG&A % of Revenue	0.33%	0.33%	0.3%	0.31%	0.32%	0.31%	0.31%	0.31%	0.31%	0.3%
Research & Development	0	0	0	0	0	0	0	0	0	0
R&D % of Revenue	-	-	-	-	-	-	-	-	-	-
Other Operating Expenses	278.4M	265.2M	238M	306.9M	338.6M	383.1M	377M	547.5M	1.01B	604.5M
Operating Income+	197.1M	300.5M	464.7M	512.5M	541.7M	500.3M	651.9M	626.3M	128.5M	666.7M
Operating Margin %	0.13%	0.18%	0.24%	0.22%	0.22%	0.2%	0.22%	0.17%	0.03%	0.16%
Operating Income Growth %	0.54%	0.52%	0.55%	0.1%	0.06%	-0.08%	0.3%	-0.04%	-0.79%	4.19%
EBITDA+	475.5M	565.7M	702.7M	819.4M	880.3M	847.1M	1.03B	1.15B	652.9M	1.2B
EBITDA Margin %	0.32%	0.33%	0.36%	0.35%	0.36%	0.33%	0.35%	0.31%	0.17%	0.29%
EBITDA Growth %	0.29%	0.19%	0.24%	0.17%	0.07%	-0.04%	0.21%	0.11%	-0.43%	0.84%
D&A (Non-Cash Add-back)	278.4M	265.2M	238M	306.9M	338.6M	346.8M	377M	519M	524.4M	537.8M
EBIT	160.8M	290.9M	460.1M	481M	548.2M	515.7M	618.2M	613.9M	142.9M	666.3M
Net Interest Income+	-169.4M	-82.3M	-94M	-145.6M	-183.1M	-129.3M	-128.8M	-226.2M	-267.5M	-236.7M
Interest Income	3.8M	4.6M	5.5M	5.5M	7.5M	5.6M	3.4M	4.7M	20.7M	28.5M
Interest Expense	173.2M	86.9M	99.5M	151.1M	190.6M	134.9M	132.2M	230.9M	288.2M	265.2M
Other Income/Expense	-170.5M	-95.1M	-92.2M	-169M	-167.2M	-110.8M	-146.3M	-243.3M	-273.8M	-265.6M
Pretax Income+	26.6M	205.4M	372.5M	343.5M	374.5M	389.5M	505.6M	383M	-145.3M	401.1M
Pretax Margin %	0.02%	0.12%	0.19%	0.15%	0.15%	0.15%	0.17%	0.1%	-0.04%	0.1%
Income Tax+	11.3M	74M	-79.1M	54.5M	70.5M	83.7M	131.9M	118.9M	44.7M	98.8M
Effective Tax Rate %	0.22%	0.59%	1.18%	0.81%	0.93%	0.88%	2.75%	0.7%	1.42%	0.71%
Net Income+	5.9M	120.6M	441.2M	276.6M	346.9M	343.2M	1.39B	266.3M	-206.2M	284.4M
Net Margin %	0%	0.07%	0.23%	0.12%	0.14%	0.14%	0.47%	0.07%	-0.05%	0.07%
Net Income Growth %	1.47%	19.44%	2.66%	-0.37%	0.25%	-0.01%	3.05%	-0.81%	-1.77%	2.38%
Net Income (Continuing)	15.3M	131.4M	451.6M	289M	304M	305.7M	373.7M	264.1M	-190.1M	302.3M
Discontinued Operations	0	0	0	-1.5M	48M	49.8M	1.03B	17.4M	-700K	0
Minority Interest	135.6M	110.2M	95.9M	92.5M	94M	95.9M	98.1M	99.5M	97.3M	101.8M
EPS (Diluted)+	0.04	0.65	2.32	1.45	1.81	1.79	7.19	1.40	-1.07	1.45
EPS Growth %	1.42%	17.21%	2.57%	-0.38%	0.25%	-0.01%	3.02%	-0.81%	-1.76%	2.36%
EPS (Basic)	0.04	0.66	2.42	1.50	1.85	1.81	7.25	1.40	-1.07	1.46
Diluted Shares Outstanding	166.8M	184.6M	189.9M	190.9M	191.8M	192.2M	193M	193.1M	193.4M	196.7M
Basic Shares Outstanding	165.3M	182.6M	182.4M	184.6M	187.8M	189.9M	191.4M	192.5M	193.4M	194.4M
Dividend Payout Ratio	-	-	-	0.15%	0.16%	0.17%	0.05%	0.29%	-	0.29%

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Total Current Assets+	427.5M	550M	588.7M	841.5M	887.7M	1.47B	2.63B	1.45B	1.48B	1.8B
Cash & Short-Term Investments	148.6M	215M	137.4M	213.9M	307.7M	495.9M	1.85B	587.9M	478.9M	682M
Cash Only	133.2M	182.2M	115.8M	187.4M	274.1M	493M	1.84B	585.3M	476.2M	679.5M
Short-Term Investments	15.4M	32.8M	21.6M	26.5M	33.6M	3.2M	3.1M	2.6M	2.7M	2.5M
Accounts Receivable	228.4M	283.4M	366.9M	477.6M	479.5M	394.6M	563.2M	602.2M	723M	888.6M
Days Sales Outstanding	55.33	60.67	69.25	75.23	71.05	56.91	69.44	59.25	68.88	77.52
Inventory	0	0	0	0	0	0	0	0	0	0
Days Inventory Outstanding	-	-	-	-	-	-	-	-	-	-
Other Current Assets	7.9M	7.7M	25.4M	72.9M	16.4M	494.9M	87.1M	115M	127.8M	105.2M
Total Non-Current Assets+	4.02B	4.23B	4.53B	6.2B	6.22B	5.84B	10B	10.22B	9.63B	9.18B
Property, Plant & Equipment	183M	197.5M	198.6M	220.3M	290.2M	279.5M	392.9M	345.7M	298.2M	259.4M
Fixed Asset Turnover	8.23x	8.63x	9.74x	10.52x	8.49x	9.05x	7.53x	10.73x	12.85x	16.13x
Goodwill	1.98B	2.17B	2.37B	3.29B	3.38B	3.23B	5.53B	5.55B	5.18B	5.14B
Intangible Assets	1.77B	1.76B	1.83B	2.55B	2.39B	2.17B	3.77B	3.68B	3.52B	3.26B
Long-Term Investments	74.7M	84.5M	105.4M	94.3M	150.6M	133.6M	240.5M	265.9M	291.4M	279.9M
Other Non-Current Assets	4.8M	13M	31.2M	42M	31.4M	29.1M	63.4M	369.5M	338M	231.9M
Total Assets+	4.45B	4.78B	5.12B	7.04B	7.11B	7.31B	12.63B	11.67B	11.11B	10.98B
Asset Turnover	0.34x	0.36x	0.38x	0.33x	0.35x	0.35x	0.23x	0.32x	0.34x	0.38x
Asset Growth %	-0.05%	0.08%	0.07%	0.38%	0.01%	0.03%	0.73%	-0.08%	-0.05%	-0.01%
Total Current Liabilities+	296M	373.3M	458.4M	548.5M	571.4M	669.8M	1.36B	905.5M	1B	1.06B
Accounts Payable	105.4M	114.2M	131.3M	169.9M	176.2M	188.4M	270.2M	250.4M	251.3M	294.6M
Days Payables Outstanding	72.37	71.98	74.22	78.49	79.84	80.53	96.47	65.99	60.45	64.26
Short-Term Debt	43.9M	50.4M	119.3M	71.7M	58.7M	55.5M	114.6M	114.6M	89.6M	70.6M
Deferred Revenue (Current)	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Other Current Liabilities	41.7M	68.7M	53.7M	78.6M	57.4M	98M	83.6M	53.4M	71.4M	94.2M
Current Ratio	1.44x	1.47x	1.28x	1.53x	1.55x	2.19x	1.94x	1.60x	1.47x	1.70x
Quick Ratio	1.44x	1.47x	1.28x	1.53x	1.55x	2.19x	1.94x	1.60x	1.47x	1.70x
Cash Conversion Cycle	-	-	-	-	-	-	-	-	-	-
Total Non-Current Liabilities+	2.78B	2.93B	2.84B	4.51B	4.2B	4.01B	7.27B	6.49B	6B	5.61B
Long-Term Debt	2.16B	2.33B	2.35B	3.98B	3.6B	3.4B	6.25B	5.56B	5.25B	5.08B
Capital Lease Obligations	0	0	1.3M	800K	57.2M	49M	119.1M	102M	81.8M	41.5M
Deferred Tax Liabilities	588.4M	579M	419.4M	478M	439.1M	396.8M	787.6M	762M	592.9M	415.3M
Other Non-Current Liabilities	30.7M	30.7M	70.8M	53.8M	92.1M	158.6M	107.3M	66.6M	56.3M	59.3M
Total Liabilities	3.08B	3.31B	3.29B	5.06B	4.77B	4.68B	8.63B	7.4B	7B	6.67B
Total Debt+	2.2B	2.38B	2.46B	4.05B	3.73B	3.52B	6.52B	5.81B	5.45B	5.21B
Net Debt	2.07B	2.19B	2.35B	3.86B	3.46B	3.03B	4.68B	5.22B	4.97B	4.53B
Debt / Equity	1.61x	1.61x	1.35x	2.04x	1.60x	1.34x	1.63x	1.36x	1.33x	1.21x
Debt / EBITDA	4.64x	4.20x	3.51x	4.94x	4.24x	4.16x	6.34x	5.07x	8.34x	4.33x
Net Debt / EBITDA	4.36x	3.88x	3.34x	4.71x	3.93x	3.57x	4.55x	4.56x	7.62x	3.76x
Interest Coverage	1.14x	3.46x	4.67x	3.39x	2.84x	3.71x	4.93x	2.71x	0.45x	2.51x
Total Equity+	1.37B	1.47B	1.82B	1.98B	2.34B	2.64B	4.01B	4.27B	4.11B	4.32B
Equity Growth %	0.83%	0.08%	0.24%	0.09%	0.18%	0.13%	0.52%	0.07%	-0.04%	0.05%
Book Value per Share	8.20	7.98	9.61	10.38	12.20	13.72	20.76	22.11	21.23	21.96
Total Shareholders' Equity	1.23B	1.36B	1.73B	1.89B	2.25B	2.54B	3.91B	4.17B	4.01B	4.22B
Common Stock	1.8M	1.8M	1.9M	1.9M	1.9M	2M	2M	2M	2M	2M
Retained Earnings	-424.3M	-303.8M	137.4M	363.1M	652M	937.4M	2.25B	2.45B	2.16B	2.36B
Treasury Stock	-4.6M	-5.3M	-138.8M	-139.9M	-179.2M	-215.2M	-252M	-284.5M	-302.9M	-334.6M
Accumulated OCI	-191.8M	-174.8M	-135.3M	-282.7M	-251.6M	-272.1M	-285.4M	-284.5M	-260.9M	-367.2M
Minority Interest	135.6M	110.2M	95.9M	92.5M	94M	95.9M	98.1M	99.5M	97.3M	101.8M

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	309.1M	389.9M	468M	555.7M	776.7M	787.4M	808.3M	297.2M	645.4M	832.5M
Operating CF Margin %	0.21%	0.23%	0.24%	0.24%	0.32%	0.31%	0.27%	0.08%	0.17%	0.2%
Operating CF Growth %	1%	0.26%	0.2%	0.19%	0.4%	0.01%	0.03%	-0.63%	1.17%	0.29%
Net Income	15.3M	131.4M	451.6M	289M	356.6M	355.6M	370.5M	267.3M	-190.1M	302.3M
Depreciation & Amortization	278.4M	265.2M	238M	306.9M	362.1M	367.9M	377M	519M	524.4M	537.8M
Stock-Based Compensation	9M	24.4M	33.1M	57.9M	51M	44.3M	69.2M	82.8M	100.6M	121.2M
Deferred Taxes	-17.3M	-22.2M	-212.8M	-69M	-22.5M	-35.3M	-17.2M	-88.9M	-162.7M	-157.3M
Other Non-Cash Items	49.4M	4.7M	15.4M	26.3M	6.7M	7.8M	53.7M	28.2M	447.1M	82.2M
Working Capital Changes	-25.7M	-13.6M	-57.3M	-55.4M	22.8M	47.1M	-44.9M	-511.2M	-73.9M	-53.7M
Change in Receivables	-39.2M	-42.5M	-44.7M	-113.8M	7.3M	-15.6M	-36.2M	-37.5M	-135.1M	-105.6M
Change in Inventory	0	0	0	0	0	0	0	0	0	0
Change in Payables	1.3M	2.9M	9.7M	20.7M	5.7M	18.1M	45.7M	-20.7M	-6.5M	39.2M
Cash from Investing+	-197.1M	-495.8M	-480.8M	-2.02B	-203.9M	-267.2M	-2.21B	-723.9M	-318.9M	-307.4M
Capital Expenditures	-132.2M	-124M	-135.3M	-180.1M	-198.5M	-214.1M	-224.2M	-298.2M	-310.7M	-315.8M
CapEx % of Revenue	0.09%	0.07%	0.07%	0.08%	0.08%	0.08%	0.08%	0.08%	0.08%	0.08%
Acquisitions	-	-	-	-	-	-	-	-	-	-
Investments	-	-	-	-	-	-	-	-	-	-
Other Investing	9.1M	-2M	400K	-1.4M	36.4M	1.5M	6.6M	101.2M	400K	700K
Cash from Financing+	-51.3M	153.8M	-51.7M	1.54B	-486.7M	-296.9M	2.76B	-820.5M	-438.8M	-308.7M
Debt Issued (Net)	-	-	-	-	-	-	-	-	-	-
Equity Issued (Net)	-	-	-	-	-	-	-	-	-	-
Dividends Paid	0	0	0	-41.6M	-56.8M	-57.6M	-69.8M	-77.8M	-81.8M	-82.7M
Share Repurchases	-	-	-	-	-	-	-	-	-	-
Other Financing	-80.1M	-7.2M	8.5M	-45.1M	-56.2M	-53.4M	-149M	-46.8M	-38.2M	-59M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-
Free Cash Flow+	176.9M	265.9M	332.7M	375.6M	578.2M	573.3M	584.1M	-1M	334.7M	516.7M
FCF Margin %	0.12%	0.16%	0.17%	0.16%	0.23%	0.23%	0.2%	-0%	0.09%	0.12%
FCF Growth %	197.56%	0.5%	0.25%	0.13%	0.54%	-0.01%	0.02%	-1%	335.7%	0.54%
FCF per Share	1.06	1.44	1.75	1.97	3.01	2.98	3.03	-0.01	1.73	2.63
FCF Conversion (FCF/Net Income)	52.39x	3.23x	1.06x	2.01x	2.24x	2.29x	0.58x	1.12x	-3.13x	2.93x
Interest Paid	147.6M	87.9M	90.2M	132.1M	163.5M	120M	109.1M	221.1M	281.2M	261M
Taxes Paid	25.9M	93.6M	120.2M	111.1M	110.6M	131.9M	181.2M	573.6M	206.4M	202.5M

Key Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	0.56%	8.49%	26.76%	14.53%	16.05%	13.8%	41.86%	6.44%	-4.92%	6.75%
Return on Invested Capital (ROIC)	4.19%	6.34%	8.89%	7.67%	6.98%	6.55%	6.81%	5.17%	1.04%	5.58%
Gross Margin	64.72%	66.03%	66.61%	65.9%	67.3%	66.26%	65.47%	62.66%	60.4%	60.01%
Net Margin	0.39%	7.07%	22.82%	11.94%	14.08%	13.56%	46.97%	7.18%	-5.38%	6.8%
Debt / Equity	1.61x	1.61x	1.35x	2.04x	1.60x	1.34x	1.63x	1.36x	1.33x	1.21x
Interest Coverage	1.14x	3.46x	4.67x	3.39x	2.84x	3.71x	4.93x	2.71x	0.45x	2.51x
FCF Conversion	52.39x	3.23x	1.06x	2.01x	2.24x	2.29x	0.58x	1.12x	-3.13x	2.93x
Revenue Growth	15.49%	13.15%	13.43%	19.83%	6.3%	2.74%	16.98%	25.33%	3.27%	9.2%

Revenue by Segment

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
U.S. Markets	-	-	-	-	-	939.6M	1.08B	1.26B	2.5B	3.24B
U.S. Markets Growth	-	-	-	-	-	-	14.83%	16.33%	99.52%	29.30%
International	269.6M	313.9M	361.9M	472.4M	186.7M	183.1M	216.5M	203M	825.3M	958.4M
International Growth	-	16.43%	15.29%	30.53%	-60.48%	-1.93%	18.24%	-6.24%	306.55%	16.13%
Segment Revenues Gross Intersegment	-	-	-	-	2.73B	2.79B	3.04B	3.79B	-	-
Segment Revenues Gross Intersegment Growth	-	-	-	-	-	2.26%	8.82%	24.67%	-	-
Us Information Services	951.9M	1.05B	1.2B	2.39B	849M	-	-	-	-	-
Us Information Services Growth	-	9.79%	15.21%	98.73%	-64.52%	-	-	-	-	-
Interactive	301M	407.1M	432.1M	475.8M	-	-	-	-	-	-
Interactive Growth	-	35.25%	6.14%	10.11%	-	-	-	-	-	-

Revenue by Geography

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
U.S. Markets	-	-	-	-	-	-	-	-	2.5B	3.24B
U.S. Markets Growth	-	-	-	-	-	-	-	-	-	29.30%
International	-	-	-	-	-	-	-	-	825.3M	958.4M
International Growth	-	-	-	-	-	-	-	-	-	16.13%

Frequently Asked Questions

Valuation & Price

TransUnion (TRU) has a price-to-earnings (P/E) ratio of 58.8x. This suggests investors expect higher future growth.

Growth & Financials

TransUnion (TRU) reported $4.44B in revenue for fiscal year 2024. This represents a 290% increase from $1.14B in 2012.

TransUnion (TRU) grew revenue by 9.2% over the past year. This is steady growth.

Yes, TransUnion (TRU) is profitable, generating $420.5M in net income for fiscal year 2024 (6.8% net margin).

Dividend & Returns

Yes, TransUnion (TRU) pays a dividend with a yield of 0.49%. This makes it attractive for income-focused investors.

TransUnion (TRU) has a return on equity (ROE) of 6.8%. This is below average, suggesting room for improvement.

TransUnion (TRU) generated $575.7M in free cash flow for fiscal year 2024. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

US Stock Screener

...

TransUnion (TRU) 10-Year Financial Performance & Capital Metrics

TRU • • Industrial / General

IndustrialsConsulting ServicesData & Analytics ServicesCredit & Risk Information

Revenue $4.18B +9.2%
EBITDA $1.2B +84.5%
Net Income $284M +237.9%
EPS (Diluted) 1.45 +235.5%
Gross Margin 60.01% -0.6%
EBITDA Margin 28.79% +68.9%
Operating Margin 15.94% +375.1%
Net Margin 6.8% +226.3%
ROE 6.75% +237.1%
ROIC 5.58% +437.3%
Debt/Equity 1.21 -9.1%
Interest Coverage 2.51 +463.8%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong Piotroski F-Score: 7/9
✓High quality earnings: Operating CF exceeds net income
✓Strong 5Y sales CAGR of 11.2%
✓Healthy 5Y average net margin of 13.8%

✗Weaknesses

✗Weak 3Y average ROE of 2.8%

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y12.36%

5Y11.18%

3Y12.22%

TTM8.3%

Profit (Net Income) CAGR

10Y-

5Y-3.9%

3Y-41.08%

TTM37.82%

EPS CAGR

10Y-

5Y-4.34%

3Y-41.36%

TTM86.09%

ROCE

10Y Avg6.79%

5Y Avg5.69%

3Y Avg4.52%

Latest6.66%

Peer Comparison

Credit & Risk Information

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
TRUTransUnion	16.56B	85.26	58.80	9.2%	9.47%	9.18%	3.12%	1.21
EFXEquifax Inc.	26.83B	219.21	45.29	7.9%	11.08%	12.98%	3.03%	1.02

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Sales/Revenue+	1.51B	1.7B	1.93B	2.32B	2.46B	2.53B	2.96B	3.71B	3.83B	4.18B
Revenue Growth %	0.15%	0.13%	0.13%	0.2%	0.06%	0.03%	0.17%	0.25%	0.03%	0.09%
Cost of Goods Sold+	531.6M	579.1M	645.7M	790.1M	805.5M	853.9M	1.02B	1.39B	1.52B	1.67B
COGS % of Revenue	0.35%	0.34%	0.33%	0.34%	0.33%	0.34%	0.35%	0.37%	0.4%	0.4%
Gross Profit+	975.2M	1.13B	1.29B	1.53B	1.66B	1.68B	1.94B	2.32B	2.31B	2.51B
Gross Margin %	0.65%	0.66%	0.67%	0.66%	0.67%	0.66%	0.65%	0.63%	0.6%	0.6%
Gross Profit Growth %	0.21%	0.15%	0.14%	0.19%	0.09%	0.01%	0.16%	0.2%	-0%	0.08%
Operating Expenses+	778.1M	825.3M	823.4M	1.01B	1.12B	1.18B	1.29B	1.7B	2.19B	1.84B
OpEx % of Revenue	0.52%	0.48%	0.43%	0.44%	0.45%	0.46%	0.43%	0.46%	0.57%	0.44%
Selling, General & Admin	499.7M	560.1M	585.4M	707.7M	777.4M	793.3M	909M	1.15B	1.17B	1.24B
SG&A % of Revenue	0.33%	0.33%	0.3%	0.31%	0.32%	0.31%	0.31%	0.31%	0.31%	0.3%
Research & Development	0	0	0	0	0	0	0	0	0	0
R&D % of Revenue	-	-	-	-	-	-	-	-	-	-
Other Operating Expenses	278.4M	265.2M	238M	306.9M	338.6M	383.1M	377M	547.5M	1.01B	604.5M
Operating Income+	197.1M	300.5M	464.7M	512.5M	541.7M	500.3M	651.9M	626.3M	128.5M	666.7M
Operating Margin %	0.13%	0.18%	0.24%	0.22%	0.22%	0.2%	0.22%	0.17%	0.03%	0.16%
Operating Income Growth %	0.54%	0.52%	0.55%	0.1%	0.06%	-0.08%	0.3%	-0.04%	-0.79%	4.19%
EBITDA+	475.5M	565.7M	702.7M	819.4M	880.3M	847.1M	1.03B	1.15B	652.9M	1.2B
EBITDA Margin %	0.32%	0.33%	0.36%	0.35%	0.36%	0.33%	0.35%	0.31%	0.17%	0.29%
EBITDA Growth %	0.29%	0.19%	0.24%	0.17%	0.07%	-0.04%	0.21%	0.11%	-0.43%	0.84%
D&A (Non-Cash Add-back)	278.4M	265.2M	238M	306.9M	338.6M	346.8M	377M	519M	524.4M	537.8M
EBIT	160.8M	290.9M	460.1M	481M	548.2M	515.7M	618.2M	613.9M	142.9M	666.3M
Net Interest Income+	-169.4M	-82.3M	-94M	-145.6M	-183.1M	-129.3M	-128.8M	-226.2M	-267.5M	-236.7M
Interest Income	3.8M	4.6M	5.5M	5.5M	7.5M	5.6M	3.4M	4.7M	20.7M	28.5M
Interest Expense	173.2M	86.9M	99.5M	151.1M	190.6M	134.9M	132.2M	230.9M	288.2M	265.2M
Other Income/Expense	-170.5M	-95.1M	-92.2M	-169M	-167.2M	-110.8M	-146.3M	-243.3M	-273.8M	-265.6M
Pretax Income+	26.6M	205.4M	372.5M	343.5M	374.5M	389.5M	505.6M	383M	-145.3M	401.1M
Pretax Margin %	0.02%	0.12%	0.19%	0.15%	0.15%	0.15%	0.17%	0.1%	-0.04%	0.1%
Income Tax+	11.3M	74M	-79.1M	54.5M	70.5M	83.7M	131.9M	118.9M	44.7M	98.8M
Effective Tax Rate %	0.22%	0.59%	1.18%	0.81%	0.93%	0.88%	2.75%	0.7%	1.42%	0.71%
Net Income+	5.9M	120.6M	441.2M	276.6M	346.9M	343.2M	1.39B	266.3M	-206.2M	284.4M
Net Margin %	0%	0.07%	0.23%	0.12%	0.14%	0.14%	0.47%	0.07%	-0.05%	0.07%
Net Income Growth %	1.47%	19.44%	2.66%	-0.37%	0.25%	-0.01%	3.05%	-0.81%	-1.77%	2.38%
Net Income (Continuing)	15.3M	131.4M	451.6M	289M	304M	305.7M	373.7M	264.1M	-190.1M	302.3M
Discontinued Operations	0	0	0	-1.5M	48M	49.8M	1.03B	17.4M	-700K	0
Minority Interest	135.6M	110.2M	95.9M	92.5M	94M	95.9M	98.1M	99.5M	97.3M	101.8M
EPS (Diluted)+	0.04	0.65	2.32	1.45	1.81	1.79	7.19	1.40	-1.07	1.45
EPS Growth %	1.42%	17.21%	2.57%	-0.38%	0.25%	-0.01%	3.02%	-0.81%	-1.76%	2.36%
EPS (Basic)	0.04	0.66	2.42	1.50	1.85	1.81	7.25	1.40	-1.07	1.46
Diluted Shares Outstanding	166.8M	184.6M	189.9M	190.9M	191.8M	192.2M	193M	193.1M	193.4M	196.7M
Basic Shares Outstanding	165.3M	182.6M	182.4M	184.6M	187.8M	189.9M	191.4M	192.5M	193.4M	194.4M
Dividend Payout Ratio	-	-	-	0.15%	0.16%	0.17%	0.05%	0.29%	-	0.29%

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Total Current Assets+	427.5M	550M	588.7M	841.5M	887.7M	1.47B	2.63B	1.45B	1.48B	1.8B
Cash & Short-Term Investments	148.6M	215M	137.4M	213.9M	307.7M	495.9M	1.85B	587.9M	478.9M	682M
Cash Only	133.2M	182.2M	115.8M	187.4M	274.1M	493M	1.84B	585.3M	476.2M	679.5M
Short-Term Investments	15.4M	32.8M	21.6M	26.5M	33.6M	3.2M	3.1M	2.6M	2.7M	2.5M
Accounts Receivable	228.4M	283.4M	366.9M	477.6M	479.5M	394.6M	563.2M	602.2M	723M	888.6M
Days Sales Outstanding	55.33	60.67	69.25	75.23	71.05	56.91	69.44	59.25	68.88	77.52
Inventory	0	0	0	0	0	0	0	0	0	0
Days Inventory Outstanding	-	-	-	-	-	-	-	-	-	-
Other Current Assets	7.9M	7.7M	25.4M	72.9M	16.4M	494.9M	87.1M	115M	127.8M	105.2M
Total Non-Current Assets+	4.02B	4.23B	4.53B	6.2B	6.22B	5.84B	10B	10.22B	9.63B	9.18B
Property, Plant & Equipment	183M	197.5M	198.6M	220.3M	290.2M	279.5M	392.9M	345.7M	298.2M	259.4M
Fixed Asset Turnover	8.23x	8.63x	9.74x	10.52x	8.49x	9.05x	7.53x	10.73x	12.85x	16.13x
Goodwill	1.98B	2.17B	2.37B	3.29B	3.38B	3.23B	5.53B	5.55B	5.18B	5.14B
Intangible Assets	1.77B	1.76B	1.83B	2.55B	2.39B	2.17B	3.77B	3.68B	3.52B	3.26B
Long-Term Investments	74.7M	84.5M	105.4M	94.3M	150.6M	133.6M	240.5M	265.9M	291.4M	279.9M
Other Non-Current Assets	4.8M	13M	31.2M	42M	31.4M	29.1M	63.4M	369.5M	338M	231.9M
Total Assets+	4.45B	4.78B	5.12B	7.04B	7.11B	7.31B	12.63B	11.67B	11.11B	10.98B
Asset Turnover	0.34x	0.36x	0.38x	0.33x	0.35x	0.35x	0.23x	0.32x	0.34x	0.38x
Asset Growth %	-0.05%	0.08%	0.07%	0.38%	0.01%	0.03%	0.73%	-0.08%	-0.05%	-0.01%
Total Current Liabilities+	296M	373.3M	458.4M	548.5M	571.4M	669.8M	1.36B	905.5M	1B	1.06B
Accounts Payable	105.4M	114.2M	131.3M	169.9M	176.2M	188.4M	270.2M	250.4M	251.3M	294.6M
Days Payables Outstanding	72.37	71.98	74.22	78.49	79.84	80.53	96.47	65.99	60.45	64.26
Short-Term Debt	43.9M	50.4M	119.3M	71.7M	58.7M	55.5M	114.6M	114.6M	89.6M	70.6M
Deferred Revenue (Current)	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Other Current Liabilities	41.7M	68.7M	53.7M	78.6M	57.4M	98M	83.6M	53.4M	71.4M	94.2M
Current Ratio	1.44x	1.47x	1.28x	1.53x	1.55x	2.19x	1.94x	1.60x	1.47x	1.70x
Quick Ratio	1.44x	1.47x	1.28x	1.53x	1.55x	2.19x	1.94x	1.60x	1.47x	1.70x
Cash Conversion Cycle	-	-	-	-	-	-	-	-	-	-
Total Non-Current Liabilities+	2.78B	2.93B	2.84B	4.51B	4.2B	4.01B	7.27B	6.49B	6B	5.61B
Long-Term Debt	2.16B	2.33B	2.35B	3.98B	3.6B	3.4B	6.25B	5.56B	5.25B	5.08B
Capital Lease Obligations	0	0	1.3M	800K	57.2M	49M	119.1M	102M	81.8M	41.5M
Deferred Tax Liabilities	588.4M	579M	419.4M	478M	439.1M	396.8M	787.6M	762M	592.9M	415.3M
Other Non-Current Liabilities	30.7M	30.7M	70.8M	53.8M	92.1M	158.6M	107.3M	66.6M	56.3M	59.3M
Total Liabilities	3.08B	3.31B	3.29B	5.06B	4.77B	4.68B	8.63B	7.4B	7B	6.67B
Total Debt+	2.2B	2.38B	2.46B	4.05B	3.73B	3.52B	6.52B	5.81B	5.45B	5.21B
Net Debt	2.07B	2.19B	2.35B	3.86B	3.46B	3.03B	4.68B	5.22B	4.97B	4.53B
Debt / Equity	1.61x	1.61x	1.35x	2.04x	1.60x	1.34x	1.63x	1.36x	1.33x	1.21x
Debt / EBITDA	4.64x	4.20x	3.51x	4.94x	4.24x	4.16x	6.34x	5.07x	8.34x	4.33x
Net Debt / EBITDA	4.36x	3.88x	3.34x	4.71x	3.93x	3.57x	4.55x	4.56x	7.62x	3.76x
Interest Coverage	1.14x	3.46x	4.67x	3.39x	2.84x	3.71x	4.93x	2.71x	0.45x	2.51x
Total Equity+	1.37B	1.47B	1.82B	1.98B	2.34B	2.64B	4.01B	4.27B	4.11B	4.32B
Equity Growth %	0.83%	0.08%	0.24%	0.09%	0.18%	0.13%	0.52%	0.07%	-0.04%	0.05%
Book Value per Share	8.20	7.98	9.61	10.38	12.20	13.72	20.76	22.11	21.23	21.96
Total Shareholders' Equity	1.23B	1.36B	1.73B	1.89B	2.25B	2.54B	3.91B	4.17B	4.01B	4.22B
Common Stock	1.8M	1.8M	1.9M	1.9M	1.9M	2M	2M	2M	2M	2M
Retained Earnings	-424.3M	-303.8M	137.4M	363.1M	652M	937.4M	2.25B	2.45B	2.16B	2.36B
Treasury Stock	-4.6M	-5.3M	-138.8M	-139.9M	-179.2M	-215.2M	-252M	-284.5M	-302.9M	-334.6M
Accumulated OCI	-191.8M	-174.8M	-135.3M	-282.7M	-251.6M	-272.1M	-285.4M	-284.5M	-260.9M	-367.2M
Minority Interest	135.6M	110.2M	95.9M	92.5M	94M	95.9M	98.1M	99.5M	97.3M	101.8M

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	309.1M	389.9M	468M	555.7M	776.7M	787.4M	808.3M	297.2M	645.4M	832.5M
Operating CF Margin %	0.21%	0.23%	0.24%	0.24%	0.32%	0.31%	0.27%	0.08%	0.17%	0.2%
Operating CF Growth %	1%	0.26%	0.2%	0.19%	0.4%	0.01%	0.03%	-0.63%	1.17%	0.29%
Net Income	15.3M	131.4M	451.6M	289M	356.6M	355.6M	370.5M	267.3M	-190.1M	302.3M
Depreciation & Amortization	278.4M	265.2M	238M	306.9M	362.1M	367.9M	377M	519M	524.4M	537.8M
Stock-Based Compensation	9M	24.4M	33.1M	57.9M	51M	44.3M	69.2M	82.8M	100.6M	121.2M
Deferred Taxes	-17.3M	-22.2M	-212.8M	-69M	-22.5M	-35.3M	-17.2M	-88.9M	-162.7M	-157.3M
Other Non-Cash Items	49.4M	4.7M	15.4M	26.3M	6.7M	7.8M	53.7M	28.2M	447.1M	82.2M
Working Capital Changes	-25.7M	-13.6M	-57.3M	-55.4M	22.8M	47.1M	-44.9M	-511.2M	-73.9M	-53.7M
Change in Receivables	-39.2M	-42.5M	-44.7M	-113.8M	7.3M	-15.6M	-36.2M	-37.5M	-135.1M	-105.6M
Change in Inventory	0	0	0	0	0	0	0	0	0	0
Change in Payables	1.3M	2.9M	9.7M	20.7M	5.7M	18.1M	45.7M	-20.7M	-6.5M	39.2M
Cash from Investing+	-197.1M	-495.8M	-480.8M	-2.02B	-203.9M	-267.2M	-2.21B	-723.9M	-318.9M	-307.4M
Capital Expenditures	-132.2M	-124M	-135.3M	-180.1M	-198.5M	-214.1M	-224.2M	-298.2M	-310.7M	-315.8M
CapEx % of Revenue	0.09%	0.07%	0.07%	0.08%	0.08%	0.08%	0.08%	0.08%	0.08%	0.08%
Acquisitions	-	-	-	-	-	-	-	-	-	-
Investments	-	-	-	-	-	-	-	-	-	-
Other Investing	9.1M	-2M	400K	-1.4M	36.4M	1.5M	6.6M	101.2M	400K	700K
Cash from Financing+	-51.3M	153.8M	-51.7M	1.54B	-486.7M	-296.9M	2.76B	-820.5M	-438.8M	-308.7M
Debt Issued (Net)	-	-	-	-	-	-	-	-	-	-
Equity Issued (Net)	-	-	-	-	-	-	-	-	-	-
Dividends Paid	0	0	0	-41.6M	-56.8M	-57.6M	-69.8M	-77.8M	-81.8M	-82.7M
Share Repurchases	-	-	-	-	-	-	-	-	-	-
Other Financing	-80.1M	-7.2M	8.5M	-45.1M	-56.2M	-53.4M	-149M	-46.8M	-38.2M	-59M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-
Free Cash Flow+	176.9M	265.9M	332.7M	375.6M	578.2M	573.3M	584.1M	-1M	334.7M	516.7M
FCF Margin %	0.12%	0.16%	0.17%	0.16%	0.23%	0.23%	0.2%	-0%	0.09%	0.12%
FCF Growth %	197.56%	0.5%	0.25%	0.13%	0.54%	-0.01%	0.02%	-1%	335.7%	0.54%
FCF per Share	1.06	1.44	1.75	1.97	3.01	2.98	3.03	-0.01	1.73	2.63
FCF Conversion (FCF/Net Income)	52.39x	3.23x	1.06x	2.01x	2.24x	2.29x	0.58x	1.12x	-3.13x	2.93x
Interest Paid	147.6M	87.9M	90.2M	132.1M	163.5M	120M	109.1M	221.1M	281.2M	261M
Taxes Paid	25.9M	93.6M	120.2M	111.1M	110.6M	131.9M	181.2M	573.6M	206.4M	202.5M

Key Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	0.56%	8.49%	26.76%	14.53%	16.05%	13.8%	41.86%	6.44%	-4.92%	6.75%
Return on Invested Capital (ROIC)	4.19%	6.34%	8.89%	7.67%	6.98%	6.55%	6.81%	5.17%	1.04%	5.58%
Gross Margin	64.72%	66.03%	66.61%	65.9%	67.3%	66.26%	65.47%	62.66%	60.4%	60.01%
Net Margin	0.39%	7.07%	22.82%	11.94%	14.08%	13.56%	46.97%	7.18%	-5.38%	6.8%
Debt / Equity	1.61x	1.61x	1.35x	2.04x	1.60x	1.34x	1.63x	1.36x	1.33x	1.21x
Interest Coverage	1.14x	3.46x	4.67x	3.39x	2.84x	3.71x	4.93x	2.71x	0.45x	2.51x
FCF Conversion	52.39x	3.23x	1.06x	2.01x	2.24x	2.29x	0.58x	1.12x	-3.13x	2.93x
Revenue Growth	15.49%	13.15%	13.43%	19.83%	6.3%	2.74%	16.98%	25.33%	3.27%	9.2%

Revenue by Segment

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
U.S. Markets	-	-	-	-	-	939.6M	1.08B	1.26B	2.5B	3.24B
U.S. Markets Growth	-	-	-	-	-	-	14.83%	16.33%	99.52%	29.30%
International	269.6M	313.9M	361.9M	472.4M	186.7M	183.1M	216.5M	203M	825.3M	958.4M
International Growth	-	16.43%	15.29%	30.53%	-60.48%	-1.93%	18.24%	-6.24%	306.55%	16.13%
Segment Revenues Gross Intersegment	-	-	-	-	2.73B	2.79B	3.04B	3.79B	-	-
Segment Revenues Gross Intersegment Growth	-	-	-	-	-	2.26%	8.82%	24.67%	-	-
Us Information Services	951.9M	1.05B	1.2B	2.39B	849M	-	-	-	-	-
Us Information Services Growth	-	9.79%	15.21%	98.73%	-64.52%	-	-	-	-	-
Interactive	301M	407.1M	432.1M	475.8M	-	-	-	-	-	-
Interactive Growth	-	35.25%	6.14%	10.11%	-	-	-	-	-	-

Revenue by Geography

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
U.S. Markets	-	-	-	-	-	-	-	-	2.5B	3.24B
U.S. Markets Growth	-	-	-	-	-	-	-	-	-	29.30%
International	-	-	-	-	-	-	-	-	825.3M	958.4M
International Growth	-	-	-	-	-	-	-	-	-	16.13%

Frequently Asked Questions

Valuation & Price

TransUnion (TRU) has a price-to-earnings (P/E) ratio of 58.8x. This suggests investors expect higher future growth.

Growth & Financials

TransUnion (TRU) reported $4.44B in revenue for fiscal year 2024. This represents a 290% increase from $1.14B in 2012.

TransUnion (TRU) grew revenue by 9.2% over the past year. This is steady growth.

Yes, TransUnion (TRU) is profitable, generating $420.5M in net income for fiscal year 2024 (6.8% net margin).

Dividend & Returns

Yes, TransUnion (TRU) pays a dividend with a yield of 0.49%. This makes it attractive for income-focused investors.

TransUnion (TRU) has a return on equity (ROE) of 6.8%. This is below average, suggesting room for improvement.

TransUnion (TRU) generated $575.7M in free cash flow for fiscal year 2024. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.