TransUnion

TransUnion

TRU

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Market Cap$13.8B
Close$

Compare to Similar Companies

P/E RatioDividendsReturn on EquityPrice-to-SalesDebt-to-Equity
TransUnionTransUnion19.60.67%15%2.91.2

Earnings Call Q3 2024

October 23, 2024 - AI Summary

**Strong Financial Performance**: TransUnion reported a 12% revenue growth in Q3 2024, surpassing the 8%-10% guidance. Excluding the mortgage business, revenue growth exceeded 8%. Adjusted EBITDA increased by 11%, resulting in an adjusted EBITDA margin of 36.3%. The adjusted diluted earnings per share was $1.04, a 14% increase year-over-year.
**Guidance Raise**: The company raised its full-year 2024 revenue guidance to between $4.161 billion and $4.181 billion, equating to a 9% increase year-over-year. Adjusted EBITDA is projected to be between $1.488 billion and $1.503 billion, indicating an 11%-12% growth, highlighting confidence in continued performance despite economic pressures.
**Transformation Program Progress**: TransUnion is actively executing a transformation program aimed at driving cost savings and innovation, with an expected $200 million in one-time charges for 2024. The integration of the OneTru platform is enhancing product offerings, with a reported $50 million in new bookings from recently launched solutions, which could bolster future revenue growth.

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$96.22

Target Price by Analysts

38.7% upsideTransUnion Target Price DetailsTarget Price
$30.48

Current Fair Value

56.1% downside

Overvalued by 56.1% based on the discounted cash flow analysis.

Share Statistics

Market cap$13.80 Billion
Enterprise Value$18.75 Billion
Dividend Yield$0.48 (0.67%)
Earnings per Share$2.34
Beta1.57
Outstanding Shares192,700,000

Return

Return on Equity14.82%ROE
Return on Assets5.85%
Return on Invested Capital7.96%

Valuation & Multiples

P/E Ratio19.57P/E Ratio
PEG28.3PEG
Price to Sales2.89Price to Sales
Price to Book Ratio2.78Price to Book Ratio
Enterprise Value to Revenue3.97
Enterprise Value to EBIT21.42
Enterprise Value to Net Income26
Total Debt to Enterprise0.3
Debt to Equity1.2Debt to Equity

Revenue Sources

No data

Insider Trades

Last Earnings Call

Report Date
April 28, 2026
EPS Estimate
$1.11
Average shareholder expectation
Revenue Estimate
$1.21 B
Average shareholder expectation

Next Earnings Call

Expected Date
July 23, 2026
EPS Estimate
$1.18
Average shareholder expectation
Revenue Estimate
$1.28 B
Average shareholder expectation

Institutional Put/Call Ratio

Market sentiment based on institutional option activity.

Put/Call Ratio0.9270 79.45%
Total Calls115,700 91.20%
Total Puts107,257 38.46%

Institutional Ownership

Holdings and activity of institutional investors.

Ownership %109.86% 4.45%
Total Invested$15.48B 12.09%
Investors Holding566 32.00%

ESG Score

No data

About TransUnion

CEO: Christopher Cartwright

Relevant Senate Committees

Joint Committee on Taxation

Provides critical analysis and revenue estimates for tax legislation, directly shaping corporate tax structures and the overall tax burden that significantly impacts TransUnion's financial results and strategic planning.

Finance

Controls taxation, trade, and entitlement spending, directly impacting TransUnion's profitability, international operations, and the overall economic health that drives consumer credit demand and performance.

Banking, Housing, and Urban Affairs

Directly regulates the entire financial system, including the Fed and SEC, and influences banking regulations, capital requirements, and consumer finance laws, all of which are central to TransUnion's business and its client base.

Commerce, Science, and Transportation

Has direct oversight over the FTC, a primary regulator of credit bureaus (Fair Credit Reporting Act), and influences privacy laws and interstate commerce regulations, all crucial for TransUnion's data-driven business.

Homeland Security and Governmental Affairs

This committee regulates government procurement, which could involve contracts for TransUnion's data services, and increasingly addresses emerging risks like Artificial Intelligence in financial markets, directly impacting TransUnion's analytics.