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TransUnion TRU

Morningstar Rating
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Stock XNYS Rating as of
$86.46 +2.65 (3.16%)
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As of Delayed Price Closed
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Company Report

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TransUnion Earnings: Solid Second Quarter, Breach Wins, and Lack of Negatives Drive Market Reaction

Rajiv Bhatia

TransUnion reported a solid second quarter. We attribute the positive market reaction to decent results and outlook amid a not-too-demanding valuation. TransUnion now expects 2024 revenue of $4.098 billion-$4.138 billion, up 1.6% at the midpoint from its previous range. Importantly, TransUnion is only raising its outlook because of strong second-quarter results and a recent breach remediation win, which we suspect is related to the widely publicized breach at AT&T. Following the sharp negative reaction to the firm’s third-quarter 2023 earnings, we believe the company wants to take a conservative stance and note that the firm’s outlook does not incorporate any rate cuts. Overall, we will maintain our wide moat rating and $100 fair value estimate on TransUnion’s shares. We continue to view the risk/reward profile on TransUnion's shares as attractive.

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Price vs Fair Value

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TRU is trading at a 842% premium.
Price
$86.46
Fair Value
$737.00
Uncertainty
High
1-Star Price
$574.00
5-Star Price
$25.00
Economic Moat
Sgcn
Capital Allocation
Sdvqjgnyl

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
$83.81
Day Range
$84.61–87.36
52-Week Range
$42.09–87.36
Bid/Ask
$86.47 / $93.45
Market Cap
$16.79 Bil
Volume/Avg
2.8 Mil / 1.5 Mil

Key Statistics

Price/Earnings (Normalized)
23.88
Price/Sales
4.21
Dividend Yield (Trailing)
0.49%
Dividend Yield (Forward)
0.49%
Total Yield
0.49%

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 Core
Total Number of Employees
13,200
Website
https://www.transunion.com

Competitors

Valuation

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Metric
TRU
MCO
EXPN
Price/Earnings (Normalized)
 23.8839.8229.22
Price/Book Value
 4.0621.638.95
Price/Sales
 4.2112.575.87
Price/Cash Flow
 21.4433.0023.40
Price/Earnings
TRU
MCO
EXPN

Financial Strength

Metric
TRU
MCO
EXPN
Quick Ratio
 1.421.390.70
Current Ratio
 1.661.520.70
Interest Coverage
 0.587.8810.76
Quick Ratio
TRU
MCO
EXPN

Profitability

Metric
TRU
MCO
EXPN
Return on Assets (Normalized)
 6.32%14.06%11.80%
Return on Equity (Normalized)
 17.19%60.77%31.37%
Return on Invested Capital (Normalized)
 9.40%20.67%16.92%
Return on Assets
TRU
MCO
EXPN
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