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TransUnion (TRU) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated today

TransUnion

TRUMarket cap $12BPrice $64.6

Country🇺🇸United States

SectorIndustrials

IndustryProfessional Services

TransUnion tracks the credit and identity data of over a billion people worldwide, helping lenders decide who gets approved. It's one of just three major credit bureaus controlling data that shapes your financial life.

In Bastion Portfolios?

52W Return-17%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+7%6

Revenue Forecast

Rev CAGR (1y)+13%7

Rev CAGR (3y)+9%6

Rev CAGR (5y)+8%6

Earnings Forecast

EPS Growth Y+1+237%10

EPS Growth Y+2+14%7

EPS Growth Y+3+13%7

Quality

Margins

EBIT Margin19%7

Net Income Margin15%7

Free Cash Flow Margin16%7

Debt

Net Debt/EBITDA3.13

Efficiency

ROE16%7

ROA6%7

Earnings Stability55

GEAR+AVERAGE55

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)127

P/E Ratio (Forward 3y)107

P/BV2.66

EV Multiples

EV/EBITDA Fwd96

EV/EBIT Fwd165

Yield

Free Cash Flow Yield6.4%7

Dividend Yield0.8%2

Momentum

Short term

1 month return-16%1

3 month return-15%2

YTD return-24%2

Mid term

Price vs 52wHigh73%4

1 year return-18%3

Long term

3 year return-7%2

5 year return-41%2

Risk Shield

Price Risk

Beta1.42

Volatility40%4

Free Cash Flow

Free Cash Flow Margin16%7

Free Cash Flow Yield6.4%7

Quality

ROCE9%5

Earnings Stability55

Net Debt/EBITDA3.13

02Growth

Is it actually growing, and how fast?

TRUTransUnion

Revenue FY25$4.2B

GROWTH RATING↗

AVERAGE62 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+7%6

Revenue, next 1Y+13%7

Revenue, next 3Y, CAGR+9%6

Revenue, next 5Y, CAGR+8%6

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+237%10

EPS growth, FY27E+14%7

EPS growth, FY28E+13%7

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow in step with sales (EPS about 14%/yr vs revenue 9%/yr).

WATCH

A mid-pack grower, ahead of 62% of companies worldwide.

Revenue is set to grow 9%/yr over the next 3 years, a little ahead of the market.6/10

Revenue grew 7%/yr over the last 3 years and is set to keep growing around 9%/yr.

Over five years revenue is set to grow 8%/yr, ahead of 50% of companies worldwide.6/10

WEAKNESSES

None flagged.

BOTTOM LINE

Margin Expander

A middle-of-the-pack grower.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY WEAK7 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-16%1

3-month return-15%2

YTD return-24%2

MID & LONG-TERM▾SCORE

% of 52-week high73%4

1-year return-18%3

3-year return-7%2

5-year return-41%2

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

None flagged.

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (-7% over three years and -41% over five), behind 80% of the market.

It's down 18% over the past year, now 27% below its 52-week high. That is a touch behind the market.

The stock is underperforming over the past month (-16%), over three months (-15%) and so far this year (-24%).

BOTTOM LINE

Falling Knife

Returns rank poorly over both the short and long run, and the price is still falling. Momentum is firmly negative — catching this is a bet against the tape, not with it. Wait for a base to form. The one thing to watch: the multi-year record is weak.

04Value

Are you paying a fair price for it?

Stop guessing on TransUnion. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

TRUTransUnion

Revenue FY25$4.2B

GROWTH RATING↗

AVERAGE62 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+7%6

Revenue, next 1Y+13%7

Revenue, next 3Y, CAGR+9%6

Revenue, next 5Y, CAGR+8%6

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+237%10

EPS growth, FY27E+14%7

EPS growth, FY28E+13%7

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow in step with sales (EPS about 14%/yr vs revenue 9%/yr).

WATCH

A mid-pack grower, ahead of 62% of companies worldwide.

Revenue is set to grow 9%/yr over the next 3 years, a little ahead of the market.6/10

Revenue grew 7%/yr over the last 3 years and is set to keep growing around 9%/yr.

Over five years revenue is set to grow 8%/yr, ahead of 50% of companies worldwide.6/10

WEAKNESSES

None flagged.

BOTTOM LINE

Margin Expander

A middle-of-the-pack grower.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY WEAK7 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-16%1

3-month return-15%2

YTD return-24%2

MID & LONG-TERM▾SCORE

% of 52-week high73%4

1-year return-18%3

3-year return-7%2

5-year return-41%2

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

None flagged.

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (-7% over three years and -41% over five), behind 80% of the market.

It's down 18% over the past year, now 27% below its 52-week high. That is a touch behind the market.

The stock is underperforming over the past month (-16%), over three months (-15%) and so far this year (-24%).

BOTTOM LINE

Falling Knife

04Value

Are you paying a fair price for it?

Stop guessing on TransUnion. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community