/author-service-images-prod-us-east-1.publishing.aws.arc.pub/morningstar/5fe9ddf2-0963-4604-b5ab-86494761b179.jpg)
Downgrading Our Moat Ratings to Narrow for Equifax and TransUnion
After reviewing Equifax's and TransUnion’s moat ratings, we are downgrading our ratings to narrow from wide.
TransUnion TRU
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
The majority of TransUnion's revenue is transaction-based and so growth is primarily driven by volume. Mortgage volumes have disappointed in recent years.
News
-
What the growing gap between Americans with good and bad credit says about today's economy
-
Want the lowest mortgage rate you can get? Credit-scoring changes mean home buyers need a new strategy.
-
MRI-Simmons and TransUnion Expand Access to Premium Audience Segments in the TruAudience® Data Marketplace
-
'The bank told me I could be liable': I found out why my brother, who has a reverse mortgage, ran out of money
-
Software ate the world. Now, Wall Street is worried AI will eat software.
-
Software ate the world. Now, Wall Street is -2-
-
Taking out a loan? First make these 5 smart -2-
-
Taking out a loan? First make these 5 smart moves to raise your credit score - whether you have weeks or months
Articles & Videos
-
10 Wide-Moat Stocks Trading at Attractive Discounts to Their Fair Values
-
AI Bear Case Continues to Weigh on Information Services Stocks
-
Financial Services: US Firms Performed Well in 2025, but Valuations Are Starting to Look Stretched
-
33 Stocks to Buy While They’re Still Undervalued
-
The Best Financial-Services Stocks to Buy
-
10 Cheap Wide-Moat Stocks for 2025
Trading Information
- Previous Close Price
- $69.92
- Day Range
- $68.48–69.86
- 52-Week Range
- $64.56–99.38
- Bid/Ask
- $68.78 / $68.90
- Shares Outstanding
- 192.80M
- Market Cap
- $13.32B
- Volume/Avg
- 836,657 / 2M
Key Statistics
- Price/Earnings (Normalized)
- 15.79
- Price/Sales
- 2.90
- Dividend Yield (Trailing)
- 0.69%
- Dividend Yield (Forward)
- 0.72%
- Total Yield
- 2.82%
Company Profile
TransUnion, along with Equifax and Experian, 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. About 20%-25% of its revenue comes from international markets.
- Sector
- Financial Services
- Industry
- Financial Data & Stock Exchanges
- Stock Style Box
- Small Core
- Total Number of Employees
- 13,500
- Website
- https://www.transunion.com
Competitors
Valuation
|
Metric
|
TRU
|
EXPN
|
EFX
|
|---|---|---|---|
Price/Earnings (Normalized) | 15.79 | 18.95 | 21.07 |
Price/Book Value | 2.84 | 5.55 | 4.42 |
Price/Sales | 2.90 | 3.79 | 3.30 |
Price/Cash Flow | 11.21 | 13.33 | 13.17 |
Price/Earnings
TRU
EXPN
EFX
Financial Strength
|
Metric
|
TRU
|
EXPN
|
EFX
|
|---|---|---|---|
Quick Ratio | 1.70 | 0.68 | 0.51 |
Current Ratio | 1.93 | 0.68 | 0.61 |
Interest Coverage | 4.50 | 9.58 | 5.39 |
Quick Ratio
TRU
EXPN
EFX
Profitability
|
Metric
|
TRU
|
EXPN
|
EFX
|
|---|---|---|---|
Return on Assets (Normalized) | 7.71% | — | 8.27% |
Return on Equity (Normalized) | 19.23% | — | 20.31% |
Return on Invested Capital (Normalized) | 10.49% | — | 11.45% |
Return on Assets
TRU
EXPN
EFX
Financial Data & Stock Exchanges Industry Comparables
|
1-Day Chart
|
Name
|
Price
|
Morningstar Rating for Stocks
|
Capital Allocation
|
Economic Moat
|
Market Cap
|
|---|---|---|---|---|---|---|
| S&P Global Inc
SPGI
| Rklvwrpgd | Nnw | $126B | |||
| CME Group Inc Class A
CME
| Cnvxjpvmg | Ffpn | $92B | |||
| Intercontinental Exchange Inc
ICE
| Rqpdjslwqm | Qwx | $80B | |||
| Moodys Corp
MCO
| Tlxqjflcvr | Kzzr | $79B | |||
| Nasdaq Inc
NDAQ
| Pllqcjm | Lldnqxv | $49B | |||
| MSCI Inc
MSCI
| Ktqfvrlnc | Cmznn | $44B | |||
| Coinbase Global Inc Ordinary Shares - Class A
COIN
| Jvzrwxrv | Lqb | $41B | |||
| Cboe Global Markets Inc
CBOE
| Xlbyqkc | Jjhfdd | $30B | |||
| FactSet Research Systems Inc
FDS
| Fxbdwhdc | Cqbm | $9B |
United States