TransUnion (TRU) Financial Ratios
14 years of historical data (2012–2025) · Industrials · Consulting Services
EV/EBITDA
↓
12.53
↓-39% vs avg
5yr avg: 20.51
30Y Low14.0·High28.0
P/FCF
↓
20.62
↓-41% vs avg
5yr avg: 34.91
30Y Low21.5·High39.7
P/B Ratio
↓
3.06
↓-21% vs avg
5yr avg: 3.89
30Y Low2.6·High7.2
ROE
↓
10.3%
-15% vs avg
5yr avg: 12.1%
30Y Low-8%·High42%
Debt/EBITDA
↓
3.60
↓-35% vs avg
5yr avg: 5.54
30Y Low3.5·High8.3
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
TRU Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
TransUnion trades at 30.5x earnings, 23% below its 5-year average of 39.5x, sitting at the 22nd percentile of its historical range. Compared to the Industrials sector median P/E of 25.9x, the stock trades at a premium of 18%. On a free-cash-flow basis, the stock trades at 20.6x P/FCF, 41% below the 5-year average of 34.9x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $13.6B | $16.9B | $18.2B | $13.3B | $11.0B | $22.9B | $19.1B | $16.4B | $10.8B | $10.4B | $5.7B |
| Enterprise Value | $17.9B | $21.2B | $22.8B | $18.3B | $16.2B | $27.6B | $22.1B | $19.9B | $14.7B | $12.8B | $7.9B |
| P/E Ratio → | 30.47 | 36.96 | 63.94 | — | 40.54 | 16.49 | 55.43 | 47.30 | 39.17 | 23.69 | 47.58 |
| P/S Ratio | 2.98 | 3.68 | 4.36 | 3.47 | 2.95 | 7.73 | 7.54 | 6.67 | 4.68 | 5.40 | 3.35 |
| P/B Ratio | 3.06 | 3.71 | 4.22 | 3.24 | 2.57 | 5.71 | 7.23 | 7.02 | 5.47 | 5.72 | 3.88 |
| P/FCF | 20.62 | 25.48 | 35.29 | 39.70 | — | 39.18 | 33.26 | 28.40 | 28.87 | 31.37 | 21.47 |
| P/OCF | 13.81 | 17.07 | 21.91 | 20.59 | 36.87 | 28.31 | 24.22 | 21.14 | 19.51 | 22.30 | 14.64 |
P/E links to full P/E history page with 30-year chart
TRU EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
TransUnion's enterprise value stands at 12.5x EBITDA, 39% below its 5-year average of 20.5x. The Industrials sector median is 13.9x, placing the stock at a 10% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 4.62 | 5.44 | 4.77 | 4.36 | 9.31 | 8.73 | 8.07 | 6.35 | 6.61 | 4.64 |
| EV / EBITDA | 12.53 | 14.77 | 18.90 | 27.97 | 14.13 | 26.79 | 26.09 | 22.58 | 17.94 | 18.20 | 13.97 |
| EV / EBIT | 20.92 | 24.08 | 34.17 | 127.79 | 26.35 | 44.59 | 42.85 | 36.26 | 30.57 | 27.79 | 27.17 |
| EV / FCF | — | 31.99 | 44.06 | 54.56 | — | 47.20 | 38.54 | 34.38 | 39.15 | 38.43 | 29.72 |
TRU Profitability
Margins and return-on-capital ratios measuring operating efficiency
TransUnion earns an operating margin of 18.7%, above the Industrials sector average of 4.9%. Operating margins have expanded from 3.4% to 18.7% over the past 3 years, signaling improving operational efficiency. ROE of 10.3% is modest. ROIC of 7.3% represents adequate returns on invested capital versus a sector median of 6.3%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 59.1% | 59.1% | 60.0% | 60.4% | 62.7% | 65.5% | 66.3% | 67.3% | 65.9% | 66.6% | 66.0% |
| Operating Margin | 18.7% | 18.7% | 15.9% | 3.4% | 16.9% | 22.0% | 19.8% | 22.0% | 22.1% | 24.0% | 17.6% |
| Net Profit Margin | 10.0% | 10.0% | 6.8% | -5.4% | 7.2% | 47.0% | 13.6% | 14.1% | 11.9% | 22.8% | 7.1% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 10.3% | 10.3% | 6.8% | -4.9% | 6.4% | 41.9% | 13.8% | 16.1% | 14.5% | 26.8% | 8.5% |
| ROA | 4.1% | 4.1% | 2.6% | -1.8% | 2.2% | 13.9% | 4.8% | 4.9% | 4.5% | 8.9% | 2.6% |
| ROIC | 7.3% | 7.3% | 5.6% | 1.0% | 5.2% | 6.8% | 6.5% | 7.0% | 7.7% | 8.9% | 6.3% |
| ROCE | 8.6% | 8.6% | 6.7% | 1.2% | 5.7% | 7.3% | 7.6% | 8.3% | 9.2% | 10.2% | 7.0% |
TRU Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
TransUnion carries a Debt/EBITDA ratio of 3.6x, which is moderately leveraged (14% above the sector average of 3.2x). Net debt stands at $4.3B ($5.2B total debt minus $854M cash). Interest coverage of 3.7x is adequate, though a cyclical earnings downturn could tighten the margin of safety.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.13 | 1.13 | 1.21 | 1.33 | 1.36 | 1.63 | 1.34 | 1.60 | 2.04 | 1.35 | 1.61 |
| Debt / EBITDA | 3.60 | 3.60 | 4.33 | 8.34 | 5.07 | 6.34 | 4.16 | 4.24 | 4.94 | 3.51 | 4.20 |
| Net Debt / Equity | — | 0.95 | 1.05 | 1.21 | 1.22 | 1.17 | 1.15 | 1.48 | 1.95 | 1.29 | 1.49 |
| Net Debt / EBITDA | 3.00 | 3.00 | 3.76 | 7.62 | 4.56 | 4.55 | 3.57 | 3.93 | 4.71 | 3.34 | 3.88 |
| Debt / FCF | — | 6.51 | 8.77 | 14.86 | — | 8.01 | 5.28 | 5.98 | 10.28 | 7.06 | 8.25 |
| Interest Coverage | 3.73 | 3.73 | 2.51 | 0.50 | 2.66 | 4.68 | 3.82 | 2.88 | 3.18 | 4.62 | 3.35 |
TRU Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
A current ratio of 1.75x means TransUnion can comfortably meet its short-term obligations, though there is limited excess liquidity. The current ratio has improved from 1.47x to 1.75x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 1.75 | 1.75 | 1.70 | 1.47 | 1.60 | 1.94 | 2.19 | 1.55 | 1.53 | 1.28 | 1.47 |
| Quick Ratio | 1.75 | 1.75 | 1.70 | 1.47 | 1.60 | 1.94 | 2.19 | 1.55 | 1.53 | 1.28 | 1.47 |
| Cash Ratio | 0.74 | 0.74 | 0.64 | 0.48 | 0.65 | 1.36 | 0.74 | 0.54 | 0.39 | 0.30 | 0.58 |
| Asset Turnover | — | 0.41 | 0.38 | 0.34 | 0.32 | 0.23 | 0.35 | 0.35 | 0.33 | 0.38 | 0.36 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | 72.18 | 77.52 | 68.88 | 59.25 | 69.44 | 56.91 | 71.05 | 75.23 | 69.25 | 60.67 |
TRU Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
TransUnion returns 3.1% to shareholders annually — split between a 0.7% dividend yield and 2.5% buyback yield. The payout ratio of 19.9% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 3.3% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.7% | 0.5% | 0.5% | 0.6% | 0.7% | 0.3% | 0.3% | 0.3% | 0.4% | — | — |
| Payout Ratio | 19.9% | 19.9% | 29.1% | — | 29.2% | 5.0% | 16.8% | 16.4% | 15.0% | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 3.3% | 2.7% | 1.6% | — | 2.5% | 6.1% | 1.8% | 2.1% | 2.6% | 4.2% | 2.1% |
| FCF Yield | 4.9% | 3.9% | 2.8% | 2.5% | — | 2.6% | 3.0% | 3.5% | 3.5% | 3.2% | 4.7% |
| Buyback Yield | 2.5% | 2.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 1.3% | 0.0% |
| Total Shareholder Yield | 3.1% | 2.5% | 0.5% | 0.6% | 0.7% | 0.3% | 0.3% | 0.3% | 0.4% | 1.3% | 0.0% |
| Shares Outstanding | — | $197M | $197M | $193M | $193M | $193M | $192M | $192M | $191M | $190M | $185M |
Peer Comparison
Compare TRU with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 TRUYou | $14B | 30.5 | 12.5 | 20.6 | 59.1% | 18.7% | 10.3% | 7.3% | 3.6 |
 EFX | $21B | 32.6 | 14.2 | 18.4 | 44.6% | 18.0% | 13.7% | 8.5% | 2.8 |
 FICO | $25B | 40.2 | 29.5 | 32.1 | 82.2% | 46.5% | — | 59.7% | 3.3 |
 VRSK | $22B | 26.3 | 15.0 | 18.8 | 67.3% | 44.6% | 437.9% | 33.0% | 3.0 |
 MCO | $80B | 32.8 | 21.5 | 30.9 | 68.2% | 44.8% | 62.0% | 22.5% | 1.9 |
 SPGI | $125B | 28.9 | 18.0 | 23.0 | 70.2% | 42.2% | 12.1% | 9.7% | 1.9 |
 MSCI | $42B | 37.4 | 24.9 | 27.4 | 82.4% | 54.7% | — | 34.9% | 3.3 |
 BAC | $408B | 14.0 | 14.8 | 32.3 | 55.4% | 18.5% | 10.2% | 3.2% | 10.0 |
 JPM | $849B | 15.9 | 13.6 | — | 58.6% | 27.7% | 17.4% | 5.4% | 9.0 |
 SYF | $26B | 8.1 | 5.1 | 2.7 | 51.0% | 24.2% | 21.3% | 10.8% | 3.0 |
 COF | $120B | 48.0 | 15.0 | 4.6 | 47.3% | 3.3% | 2.8% | 1.3% | 6.8 |
| Industrials Median | — | 25.9 | 13.9 | 20.6 | 32.8% | 4.9% | 8.2% | 6.3% | 3.2 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Start ComparisonTRU — Frequently Asked Questions
Quick answers to the most common questions about buying TRU stock.
What is TransUnion's P/E ratio?
TransUnion's current P/E ratio is 30.5x. The historical average is 41.2x. This places it at the 22th percentile of its historical range.
What is TransUnion's EV/EBITDA?
TransUnion's current EV/EBITDA is 12.5x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 19.6x.
What is TransUnion's ROE?
TransUnion's return on equity (ROE) is 10.3%. The historical average is 9.0%.
Is TRU stock overvalued?
Based on historical data, TransUnion is trading at a P/E of 30.5x. This is at the 22th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is TransUnion's dividend yield?
TransUnion's current dividend yield is 0.65% with a payout ratio of 19.9%.
What are TransUnion's profit margins?
TransUnion has 59.1% gross margin and 18.7% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does TransUnion have?
TransUnion's Debt/EBITDA ratio is 3.6x, indicating high leverage. A ratio between 2-4x is manageable but warrants monitoring.