With Fair Isaac's Direct License Program delayed and a wider range of outcomes for mortgage bureau and score usage, we lower our fair value estimate on Fair Isaac.
After guidance misses and other issues, TransUnion's shares are cheap relative to peers and thus offer more room for upside.
The majority of TransUnion's revenue is transaction-based and so growth is primarily driven by volume. Mortgage volumes have disappointed in recent years.
|
Metric
|
TRU
|
FICO
|
EXPN
|
|---|---|---|---|
Price/Earnings (Normalized) | 16.97 | 24.79 | 20.27 |
Price/Book Value | 3.07 | — | 5.94 |
Price/Sales | 3.10 | 9.73 | 4.06 |
Price/Cash Flow | 11.73 | 22.81 | 14.26 |
|
Metric
|
TRU
|
FICO
|
EXPN
|
|---|---|---|---|
Quick Ratio | 1.65 | 1.13 | 0.85 |
Current Ratio | 1.90 | 1.18 | 0.85 |
Interest Coverage | 4.54 | 6.72 | 9.44 |
|
Metric
|
TRU
|
FICO
|
EXPN
|
|---|---|---|---|
Return on Assets (Normalized) | 7.75% | 48.40% | 12.09% |
Return on Equity (Normalized) | 19.38% | — | 30.80% |
Return on Invested Capital (Normalized) | 10.62% | 74.96% | 16.63% |
|
1-Day Chart
|
Name
|
Price
|
Morningstar Rating for Stocks
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Capital Allocation
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Economic Moat
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United States