TransUnion (TRU)
Overview
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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Key Information
Stock Snapshot (Updated: Nov 05 04:00 PM EST)
Capital Structure (Updated: Nov 05 04:00 PM EST)
Calendar Events (Upcoming Earnings & Revenue Forecasts)
| Earnings | |
| Earnings Date | 2025-10-23 |
| Earnings Call | 2025-10-23 |
| Avg EPS Estimate | 1.0221 |
| Low EPS Estimate | 0.99 |
| High EPS Estimate | 1.09 |
| Revenue | |
| Avg Revenue Forecast | 1,133,415,100 |
| Low Revenue Forecast | 1,122,775,130 |
| High Revenue Forecast | 1,142,400,000 |
TRU Liquidity Indicators Shows key metrics that reflect cash availability and short-term payment ability
| Field | Value | Description |
|---|---|---|
| Cash Holdings | $752,499,968 | Cash on hand, which directly shows a company's ability to meet short-term obligations. |
| Quick Ratio | 1.671 | The quick ratio, which excludes inventory, measures short-term solvency; a value above 1 is considered relatively safe. |
| Current Ratio | 2.009 | The current ratio, calculated as current assets divided by current liabilities; the higher the value, the better the liquidity. |
| Total Debt | $5,178,500,096 | Total liabilities, used together with cash and liquidity ratios to assess debt burden. |
TRU Profitability Indicators Shows key metrics that reflect overall earnings, margins, and core business profitability
| Field | Value | Description |
|---|---|---|
| EBITDA | $1,450,499,968 | EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization), which measures the profitability of core operations. |
| Operating Cash Flow | $922,099,968 | Operating cash flow, which reflects a company's cash-generating ability. |
| Free Cash Flow | $543,875,008 | Free cash flow, after deducting capital expenditures, which can be used for dividends or reinvestment. |
| Gross Margin | 59.31% | Gross margin; a higher value indicates stronger product profitability. |
| Operating Margin | 18.20% | Operating margin; slightly negative, indicating high operating costs. |
| Profit Margin | 9.47% | Net profit margin, which reflects overall profitability. |
TRU Leverage & Financial Health Indicators Shows key metrics that reflect debt levels, liquidity, and overall financial stability
| Field | Value | Description |
|---|---|---|
| Debt/Equity Ratio | 113.11% | Low leverage level, indicating the company has low debt pressure. |
| Total Debt | $5,178,500,096 | Used together with cash and EBITDA to assess debt-paying ability. |
TRU Growth Indicators Shows key financial metrics that reflect profitability, cash flow, and business expansion
| Field | Value | Description |
|---|---|---|
| Revenue Growth (YoY) | 7.80% | Rapid revenue growth, indicating fast business expansion. |
| Earnings Growth (YoY) | 40.20% | Significant EPS growth, indicating rapid improvement in profitability. |
Financial Data for TRU (Key ratios, margins, and cash flow)
| Field | Value | Description |
|---|---|---|
| Current Price | $79.61 | Latest stock trading price |
| Price Target (High) | $125 | Analyst highest expected price |
| Price Target (Low) | $80 | Analyst lowest expected price |
| Price Target (Average) | $106.95 | Average target price across analysts |
| Price Target (Median) | $106 | Median of target prices |
| Average Rating Score | 1.77 | Average analyst rating (1=Strong Buy, 5=Sell) |
| Consensus Recommendation | buy | Consensus rating |
| Analyst Coverage Count | 20 | Number of analysts providing estimates |
| Cash Holdings | $752,499,968 | Total cash held by the company |
| Cash per Share | $3.88 | Cash value per outstanding share |
| Total Debt | $5,178,500,096 | Company's total debt |
| Quick Ratio | 1.671 | Ability to cover short-term liabilities (excludes inventory) |
| Current Ratio | 2.009 | Overall short-term liquidity |
| Debt/Equity Ratio | 113.11% | Leverage ratio: Debt / Equity |
| EBITDA | $1,450,499,968 | Earnings before interest, taxes, depreciation & amortization |
| Total Revenue | $4,441,800,192 | Total company revenue |
| Revenue per Share | $22.796 | Total revenue divided by shares outstanding |
| Gross Profit | 59.31% | Revenue minus cost of goods sold |
| Return on Assets | 5.00% | Net income / Total assets |
| Return on Equity | 9.80% | Net income / Shareholder equity |
| Earnings Growth (YoY) | 40.20% | Year-over-year EPS growth |
| Revenue Growth (YoY) | 7.80% | Year-over-year revenue growth |
| Gross Margin | 59.31% | Gross profit / Total revenue |
| EBITDA Margin | 32.66% | EBITDA / Revenue |
| Operating Margin | 18.20% | Operating income / Revenue |
| Profit Margin | 9.47% | Net income / Revenue |
| Free Cash Flow | $543,875,008 | Cash left after capital expenditures |
| Operating Cash Flow | $922,099,968 | Cash from core business operations |
| Currency | USD | Reported in US dollars |
| Last Updated | 2025-11-05 | Data source from Yahoo |