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Earnings transcript
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TRU
TransUnion
$69.32
0.53
(0.77%)
| Exchange: | NYSE |
| Market Cap: | 13.375B |
| Shares Outstanding: | 107.4M |
About The Company
| Sector: | Industrials | |||||
| Industry: | Consulting Services | |||||
| CEO: | Christopher A. Cartwright | |||||
| Full Time Employees: | 13000 | |||||
| Address: |
| |||||
| Website: | https://www.transunion.com |
TransUnion provides risk and information solutions. The company operates in three segments: U.S. Markets, International, and Consumer Interactive. The U.S. Markets segment provides consumer reports, actionable insights, and analytics to businesses. These businesses use its services to acquire new customers; assess consumer ability to pay for services; identify cross-selling opportunities; measure and manage debt portfolio risk; collect debt; verify consumer identities; and mitigate fraud risk. This segment serves various industry vertical markets, including financial services, insurance, tenant and employment, collections and services, technology, commerce and communication, public sector, media, and other markets. The International segment offers credit reports, analytics, technology solutions, and other value-added risk management services; and consumer services, which help consumers to manage their personal finances and consumer credit reporting, insurance and auto information solutions, and commercial credit information services. This segment serves customers in financial services, retail credit, insurance, automotive, collections, public sector, and communications industries through direct and indirect channels. The Consumer Interactive segment provides credit reports and scores, credit monitoring, identity protection and resolution, and financial management solutions that enable consumers to manage their personal finances and take precautions against identity theft. This segment offers its products through online and mobile interfaces, as well as through direct and indirect channels. The company serves customers in approximately 30 countries and territories, including North America, Latin America, Europe, Africa, India, and the Asia Pacific. The company was formerly known as TransUnion Holding Company, Inc. and changed its name to TransUnion in March 2015. TransUnion was founded in 1968 and is headquartered in Chicago, Illinois.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 3,831,200 | 4,183,800 | 4,576,300 |
| Gross Profit | 2,313,900 | 2,510,500 | 2,704,300 |
| EBITDA | 667,300 | 1,204,100 | 1,453,600 |
| Operating Income | 128,500 | 666,700 | 857,800 |
| Net Income | -206,200 | 284,400 | 455,400 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 11,105,100 | 10,984,800 | 11,112,900 |
| Total Liabilities | 6,999,600 | 6,666,000 | 6,567,600 |
| Total Stockholders Equity | 4,008,200 | 4,217,000 | 4,439,200 |
| Total Debt | 5,448,400 | 5,210,700 | 5,103,800 |
| Cash and Cash Equivalents | 476,200 | 679,500 | 853,600 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 645,400 | 832,500 | 987,600 |
| Capital Expenditure | -310,700 | -315,800 | -326,000 |
| Free Cash Flow | 334,700 | 516,700 | 661,600 |
| Net Income | -190,100 | 302,300 | 469,900 |
| Net Change in Cash | -109,100 | 203,300 | 174,100 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2030 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 6,229,145.961 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 6,765,451.140 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 6,484,323.693 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 1,770,544.901 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 1,922,981.913 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 1,843,075.491 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 1,439,727.365 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 1,602,873.910 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 1,517,352.909 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 1,863,444.115 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 2,023,879.388 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 1,939,780.333 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 7.720 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 8.150 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 7.320 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 4 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 2 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Strong Revenue Performance: TRU has demonstrated consistent revenue growth as reported in recent income statements, reflecting robust demand for its credit information and analytics services. This aligns with industry trends in the financial services sector, where data-driven decision-making is increasingly critical.
- High Profit Margins: Key metrics such as gross profit margin TTM and net profit margin TTM indicate efficient cost management and strong profitability compared to industry averages, positioning TRU as a financially sound entity within its sector.
- Solid Free Cash Flow: Positive free cash flow trends from cash flow statements highlight TRU's ability to generate cash after capital expenditures, providing flexibility for reinvestment, debt reduction, or shareholder returns.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates TRU intrinsic value between $38.65 – $84.69 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about TRU valuation
Is TransUnion (TRU) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for TransUnion (TRU) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is TRU a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether TRU trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is TRU’s P/E ratio?
You can see TRU’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for TRU?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is TRU a good long-term investment?
Whether TRU fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
TRU
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
0.77
Trading Metrics:
| Open: | 68.03 | Previous Close: | 68.79 | |
| Day Low: | 67.27 | Day High: | 70.34 | |
| Year Low: | 65.24 | Year High: | 99.39 | |
| Price Avg 50: | 74.14 | Price Avg 200: | 83.3 | |
| Volume: | 1.603M | Average Volume: | 2.796M |
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Login — it's freeTRU full analysis
Welcome to MARKETSNAP’s SWOT analysis for TransUnion, also known by its ticker TRU. If you’re a long-term investor looking to build wealth, you’ve come to the right place. Today, we’re diving deep into TransUnion, a key player in the credit reporting and data analytics space, to break down what makes this company tick and whether it deserves a spot in your portfolio. Let’s get started with a quick overview, some recent updates, and then we’ll roll into the full SWOT…
