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TransUnion TRU

Morningstar Rating
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Stock XNYS Rating as of
$74.29 +5.61 (8.17%)
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As of Delayed Price Post-Trading: $74.29 0.00
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Company Report

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TransUnion Earnings: Low Expectations and Solid Results Drive Positive Market Reaction

Rajiv Bhatia

Wide-moat-rated TransUnion’s results were decent, and we attribute the positive stock reaction to overly negative sentiment heading into earnings. Organic constant-currency revenue growth was 8.3% in the first quarter of 2024, ahead of the firm’s guidance of 3%-4% and the 5.4% of the fourth quarter. TransUnion’s stock dropped after Equifax reported last week, even though much of Equifax’s disappointment came from its workforce solutions segment. Adjusted EBITDA margins of 35.1%, were up from 34.3% in the year-ago period and were healthy in our view. TransUnion raised its 2024 revenue and earnings outlook. Our 2024 estimates were previously ahead of the firm’s outlook but are now within their updated ranges. We will maintain our $100 fair value estimate for TransUnion and regard shares as undervalued.

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Price vs Fair Value

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TRU is trading at a 32% discount.
Price
$67.59
Fair Value
$655.00
Uncertainty
High
1-Star Price
$525.00
5-Star Price
$64.00
Economic Moat
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Capital Allocation
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Bulls Say, Bears Say

Bulls

After guidance misses and other issues, TransUnion's shares are cheap relative to peers and thus offer more room for upside.

Bears

Growth is primarily driven by volume, as pricing for core credit reports has typically been flat.

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News

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Trading Information

Previous Close Price
$68.68
Day Range
$72.32–76.40
52-Week Range
$42.09–82.75
Bid/Ask
$68.00 / $76.00
Market Cap
$14.43 Bil
Volume/Avg
6.7 Mil / 1.7 Mil

Key Statistics

Price/Earnings (Normalized)
20.38
Price/Sales
3.47
Dividend Yield (Trailing)
0.60%
Dividend Yield (Forward)
0.60%
Total Yield
0.62%

Company Profile

TransUnion is one of the three leading credit bureaus in the United States, providing the consumer information that is the basis for granting credit. The company also provides fraud detection, marketing, and analytical services. TransUnion operates in over 30 countries, and about a quarter of its revenue comes from international markets.
Sector
Industrials
Industry
Consulting Services
Stock Style Box
Mid Growth
Total Number of Employees
13,200
Website
https://www.transunion.com

Competitors

Valuation

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Metric
TRU
EFX
MCO
Price/Earnings (Normalized)
 20.3833.3037.80
Price/Book Value
 3.326.1120.60
Price/Sales
 3.475.2411.65
Price/Cash Flow
 18.4623.6631.49
Price/Earnings
TRU
EFX
MCO

Financial Strength

Metric
TRU
EFX
MCO
Quick Ratio
 1.200.561.54
Current Ratio
 1.470.671.74
Interest Coverage
 0.423.976.79
Quick Ratio
TRU
EFX
MCO

Profitability

Metric
TRU
EFX
MCO
Return on Assets (Normalized)
 5.75%7.02%12.55%
Return on Equity (Normalized)
 15.83%19.43%60.48%
Return on Invested Capital (Normalized)
 8.80%10.10%18.79%
Return on Assets
TRU
EFX
MCO
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