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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash-to-Debt 0.07
TRU's Cash-to-Debt is ranked lower than
92% of the 691 Companies
in the Global Business Services industry.

( Industry Median: 1.23 vs. TRU: 0.07 )
Ranked among companies with meaningful Cash-to-Debt only.
TRU' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.03  Med: 0.07 Max: N/A
Current: 0.07
Equity-to-Asset 0.29
TRU's Equity-to-Asset is ranked lower than
81% of the 666 Companies
in the Global Business Services industry.

( Industry Median: 0.51 vs. TRU: 0.29 )
Ranked among companies with meaningful Equity-to-Asset only.
TRU' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.12  Med: 0.26 Max: 0.29
Current: 0.29
0.12
0.29
Interest Coverage 4.57
TRU's Interest Coverage is ranked lower than
84% of the 600 Companies
in the Global Business Services industry.

( Industry Median: 22.26 vs. TRU: 4.57 )
Ranked among companies with meaningful Interest Coverage only.
TRU' s Interest Coverage Range Over the Past 10 Years
Min: 0.68  Med: 1.17 Max: 4.57
Current: 4.57
0.68
4.57
Piotroski F-Score: 7
Altman Z-Score: 2.14
Beneish M-Score: -2.56
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating Margin % 22.27
TRU's Operating Margin % is ranked higher than
87% of the 680 Companies
in the Global Business Services industry.

( Industry Median: 6.01 vs. TRU: 22.27 )
Ranked among companies with meaningful Operating Margin % only.
TRU' s Operating Margin % Range Over the Past 10 Years
Min: 9.84  Med: 13.69 Max: 22.27
Current: 22.27
9.84
22.27
Net Margin % 12.09
TRU's Net Margin % is ranked higher than
78% of the 682 Companies
in the Global Business Services industry.

( Industry Median: 3.91 vs. TRU: 12.09 )
Ranked among companies with meaningful Net Margin % only.
TRU' s Net Margin % Range Over the Past 10 Years
Min: -2.97  Med: -0.29 Max: 12.09
Current: 12.09
-2.97
12.09
ROE % 16.37
TRU's ROE % is ranked higher than
63% of the 663 Companies
in the Global Business Services industry.

( Industry Median: 8.54 vs. TRU: 16.37 )
Ranked among companies with meaningful ROE % only.
TRU' s ROE % Range Over the Past 10 Years
Min: -5.59  Med: -0.71 Max: 16.37
Current: 16.37
-5.59
16.37
ROA % 4.58
TRU's ROA % is ranked higher than
51% of the 695 Companies
in the Global Business Services industry.

( Industry Median: 3.44 vs. TRU: 4.58 )
Ranked among companies with meaningful ROA % only.
TRU' s ROA % Range Over the Past 10 Years
Min: -0.78  Med: -0.07 Max: 4.58
Current: 4.58
-0.78
4.58
ROC (Joel Greenblatt) % 161.76
TRU's ROC (Joel Greenblatt) % is ranked higher than
83% of the 683 Companies
in the Global Business Services industry.

( Industry Median: 22.48 vs. TRU: 161.76 )
Ranked among companies with meaningful ROC (Joel Greenblatt) % only.
TRU' s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 72.12  Med: 103.37 Max: 161.76
Current: 161.76
72.12
161.76
3-Year Revenue Growth Rate 4.50
TRU's 3-Year Revenue Growth Rate is ranked lower than
99.99% of the 557 Companies
in the Global Business Services industry.

( Industry Median: 4.60 vs. TRU: 4.50 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
TRU' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 4.5  Med: 4.5 Max: 4.5
Current: 4.5
3-Year EBITDA Growth Rate 7.10
TRU's 3-Year EBITDA Growth Rate is ranked lower than
99.99% of the 493 Companies
in the Global Business Services industry.

( Industry Median: 5.00 vs. TRU: 7.10 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
TRU' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 7.1  Med: 7.1 Max: 7.1
Current: 7.1
GuruFocus has detected 3 Warning Signs with TransUnion $TRU.
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» TRU's 30-Y Financials

Financials (Next Earnings Date: 2017-10-25 Est.)


Revenue & Net Income
Cash & Debt
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q3 2016

TRU Guru Trades in Q3 2016

Paul Tudor Jones 557,363 sh (+844.89%)
Jim Simons 554,100 sh (+12.74%)
John Griffin 2,620,000 sh (unchged)
Steven Cohen 97,600 sh (-87.49%)
» More
Q4 2016

TRU Guru Trades in Q4 2016

Manning & Napier Advisors, Inc 146,770 sh (New)
Joel Greenblatt 45,930 sh (New)
Steven Cohen 152,800 sh (+56.56%)
John Griffin 2,620,000 sh (unchged)
Jim Simons 182,800 sh (-67.01%)
Paul Tudor Jones 36,695 sh (-93.42%)
» More
Q1 2017

TRU Guru Trades in Q1 2017

Columbia Wanger 1,300,000 sh (New)
Steven Cohen 1,663,585 sh (+988.73%)
Paul Tudor Jones 366,677 sh (+899.26%)
Jim Simons 930,300 sh (+408.92%)
Joel Greenblatt Sold Out
Manning & Napier Advisors, Inc 82,830 sh (-43.56%)
John Griffin 1,300,000 sh (-50.38%)
» More
Q2 2017

TRU Guru Trades in Q2 2017

Steve Mandel 8,905,062 sh (New)
Ron Baron 638,926 sh (New)
Joel Greenblatt 13,610 sh (New)
John Griffin 1,544,400 sh (+18.80%)
Manning & Napier Advisors, Inc Sold Out
Columbia Wanger 1,215,207 sh (-6.52%)
Jim Simons 400,900 sh (-56.91%)
Paul Tudor Jones 53,499 sh (-85.41%)
Steven Cohen 199,400 sh (-88.01%)
» More
» Details

Insider Trades

Latest Guru Trades with TRU

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Steve Mandel 2017-07-20 Add 4.42%0.09%Premium Member Access $45.02 $ 47.616%9,298,757
Steve Mandel 2017-06-30 New Buy1.96%$37.97 - $44.44 $ 47.6115%8,905,062
Ron Baron 2017-06-30 New Buy0.14%$37.97 - $44.44 $ 47.6115%638,926
Joel Greenblatt 2017-06-30 New Buy0.01%$37.97 - $44.44 $ 47.6115%13,610
Joel Greenblatt 2017-03-31 Sold Out 0.02%$30.96 - $38.51 $ 47.6135%0
Joel Greenblatt 2016-12-31 New Buy0.02%$29.29 - $33.96 $ 47.6151%45,930
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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Business Description

Industry: Business Services » Business Services    NAICS: 561499    SIC: 7323
Compare:NYSE:BR, NAS:JKHY, NYSE:ROL, NYSE:IRM, NYSE:SERV, NYSE:BAH, NAS:EEFT, NYSE:SNX, NYSE:WEX, NYSE:DNB, NYSE:MMS, NYSE:FLT, NYSE:CLGX, NAS:HCSG, NAS:VRSK, NYSE:CNDT, NAS:MORN, NYSE:DLX, NAS:CTAS, NYSE:NLSN » details
Traded in other countries:1TU.Germany,
Headquarter Location:USA
TransUnion is a risk and information solutions provider. It obtains financial, credit, alternative credit, identity, bankruptcy, lien, judgment, insurance claims, automotive and other relevant information.

TransUnion was incorporated on February 15, 2012. The Company is a risk and information solutions provider. It obtains financial, credit, alternative credit, identity, bankruptcy, lien, judgment, insurance claims, automotive and other relevant information from over 90,000 data sources, including financial institutions, private databases and public records repositories. It refines, standardizes and enhances this data using sophisticated algorithms to create proprietary databases. Its segments include U.S. Information Services (USIS), International, and Consumer Interactive. The USIS provides consumer reports, risk scores, analytical services and decisioning capabilities to businesses. These businesses use the 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 investigate potential fraud. The International segment provides services similar to its USIS segment to businesses in select regions outside the United States. Depending on the maturity of the credit economy in each country, services may include credit reports, analytics and decisioning services and other value-added risk management services. The Consumer Interactive offers solutions that help consumers manage their personal finances and take precautions against identity theft. Services in this segment include credit reports and scores, credit monitoring, fraud protection and resolution and financial management. Its customers include companies across multiple industries, including financial services, insurance and healthcare. It competes on the basis of differentiated solutions, datasets, analytics capabilities, ease of integration with its customers' technology, stability of services, customer relationships, innovation and price. In addition to these competitors, it also competes with a number of other companies that may offer niche solutions catering to more specific customer requirements. Its U.S. operations are subject to numerous laws that regulate privacy, data security and the use of consumer credit or an individual's healthcare information.

Ratios

vs
industry
vs
history
PE Ratio 41.40
TRU's PE Ratio is ranked lower than
84% of the 529 Companies
in the Global Business Services industry.

( Industry Median: 21.91 vs. TRU: 41.40 )
Ranked among companies with meaningful PE Ratio only.
TRU' s PE Ratio Range Over the Past 10 Years
Min: 36.3  Med: 65.38 Max: 349.75
Current: 41.4
36.3
349.75
Forward PE Ratio 26.60
TRU's Forward PE Ratio is ranked lower than
83% of the 135 Companies
in the Global Business Services industry.

( Industry Median: 17.89 vs. TRU: 26.60 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 41.40
TRU's PE Ratio without NRI is ranked lower than
83% of the 531 Companies
in the Global Business Services industry.

( Industry Median: 22.16 vs. TRU: 41.40 )
Ranked among companies with meaningful PE Ratio without NRI only.
TRU' s PE Ratio without NRI Range Over the Past 10 Years
Min: 36.3  Med: 65.38 Max: 349.75
Current: 41.4
36.3
349.75
PB Ratio 6.32
TRU's PB Ratio is ranked lower than
82% of the 649 Companies
in the Global Business Services industry.

( Industry Median: 2.41 vs. TRU: 6.32 )
Ranked among companies with meaningful PB Ratio only.
TRU' s PB Ratio Range Over the Past 10 Years
Min: 3.13  Med: 4.36 Max: 6.32
Current: 6.32
3.13
6.32
PS Ratio 4.94
TRU's PS Ratio is ranked lower than
84% of the 656 Companies
in the Global Business Services industry.

( Industry Median: 1.33 vs. TRU: 4.94 )
Ranked among companies with meaningful PS Ratio only.
TRU' s PS Ratio Range Over the Past 10 Years
Min: 2.43  Med: 3.48 Max: 4.94
Current: 4.94
2.43
4.94
Price-to-Free-Cash-Flow 30.97
TRU's Price-to-Free-Cash-Flow is ranked lower than
66% of the 315 Companies
in the Global Business Services industry.

( Industry Median: 20.51 vs. TRU: 30.97 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
TRU' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 20.37  Med: 25.95 Max: 50.76
Current: 30.97
20.37
50.76
Price-to-Operating-Cash-Flow 21.45
TRU's Price-to-Operating-Cash-Flow is ranked lower than
71% of the 381 Companies
in the Global Business Services industry.

( Industry Median: 13.18 vs. TRU: 21.45 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
TRU' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 11.73  Med: 16.45 Max: 21.45
Current: 21.45
11.73
21.45
EV-to-EBIT 27.56
TRU's EV-to-EBIT is ranked lower than
78% of the 530 Companies
in the Global Business Services industry.

( Industry Median: 16.20 vs. TRU: 27.56 )
Ranked among companies with meaningful EV-to-EBIT only.
TRU' s EV-to-EBIT Range Over the Past 10 Years
Min: 25.7  Med: 38.9 Max: 51.4
Current: 27.56
25.7
51.4
EV-to-EBITDA 17.36
TRU's EV-to-EBITDA is ranked lower than
68% of the 565 Companies
in the Global Business Services industry.

( Industry Median: 12.50 vs. TRU: 17.36 )
Ranked among companies with meaningful EV-to-EBITDA only.
TRU' s EV-to-EBITDA Range Over the Past 10 Years
Min: 13.8  Med: 16.3 Max: 19.1
Current: 17.36
13.8
19.1
Current Ratio 1.40
TRU's Current Ratio is ranked lower than
63% of the 681 Companies
in the Global Business Services industry.

( Industry Median: 1.60 vs. TRU: 1.40 )
Ranked among companies with meaningful Current Ratio only.
TRU' s Current Ratio Range Over the Past 10 Years
Min: 0.86  Med: 1.42 Max: 1.75
Current: 1.4
0.86
1.75
Quick Ratio 1.40
TRU's Quick Ratio is ranked lower than
55% of the 681 Companies
in the Global Business Services industry.

( Industry Median: 1.45 vs. TRU: 1.40 )
Ranked among companies with meaningful Quick Ratio only.
TRU' s Quick Ratio Range Over the Past 10 Years
Min: 0.86  Med: 1.42 Max: 1.75
Current: 1.4
0.86
1.75
Days Sales Outstanding 58.84
TRU's Days Sales Outstanding is ranked lower than
51% of the 538 Companies
in the Global Business Services industry.

( Industry Median: 59.57 vs. TRU: 58.84 )
Ranked among companies with meaningful Days Sales Outstanding only.
TRU' s Days Sales Outstanding Range Over the Past 10 Years
Min: 50.9  Med: 55.68 Max: 59.5
Current: 58.84
50.9
59.5
Days Payable 74.64
TRU's Days Payable is ranked higher than
69% of the 458 Companies
in the Global Business Services industry.

( Industry Median: 39.67 vs. TRU: 74.64 )
Ranked among companies with meaningful Days Payable only.
TRU' s Days Payable Range Over the Past 10 Years
Min: 71.98  Med: 74.81 Max: 77.71
Current: 74.64
71.98
77.71

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -7.80
TRU's 3-Year Average Share Buyback Ratio is ranked lower than
99.99% of the 419 Companies
in the Global Business Services industry.

( Industry Median: -1.40 vs. TRU: -7.80 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
TRU' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -7.8  Med: -7.8 Max: -7.8
Current: -7.8

Valuation & Return

vs
industry
vs
history
Price-to-Median-PS-Value 1.42
TRU's Price-to-Median-PS-Value is ranked lower than
63% of the 598 Companies
in the Global Business Services industry.

( Industry Median: 1.15 vs. TRU: 1.42 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
TRU' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.79  Med: 0.96 Max: 1.42
Current: 1.42
0.79
1.42
Earnings Yield (Greenblatt) % 3.64
TRU's Earnings Yield (Greenblatt) % is ranked lower than
60% of the 692 Companies
in the Global Business Services industry.

( Industry Median: 4.79 vs. TRU: 3.64 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
TRU' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.9  Med: 2.6 Max: 3.9
Current: 3.64
1.9
3.9

More Statistics

Revenue (TTM) (Mil) $1,803.30
EPS (TTM) $ 1.15
Short Percentage of Float2.31%
52-Week Range $28.92 - 46.91
Shares Outstanding (Mil)181.91

Analyst Estimate

Dec17 Dec18
Revenue (Mil $) 1,855 1,995
EPS ($) 1.75 1.90
EPS without NRI ($) 1.75 1.90
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)
» More Articles for TRU

Headlines

Articles On GuruFocus.com
Former Department of Defense Official Katharina McFarland Appointed to TransUnion Government Advisor Aug 21 2017 
Start of a New Trend? Pullback in Subprime Loans Observed Aug 16 2017 
TransUnion Announces Earnings Release Date for Third Quarter 2017 Results Aug 09 2017 
TransUnion Announces Secondary Offering of 20,000,000 Shares of Common Stock Jul 31 2017 
December 2016 Fed Rate Hike: Most Consumers Fared Well, But it’s a New Dynamic for Consumers an Jul 20 2017 
Credit Myths, Busted: TransUnion Tackles Credit Confusion in Annual Survey Jul 17 2017 
Rent or Buy? 2017 Begins with Spike in Number of Renters Shopping for Homes Jun 22 2017 
TransUnion Appoints Suzanne P. Clark and Thomas L. Monahan to its Board of Directors Jun 12 2017 
TransUnion and Equifax Launch Multi-Bureau Lock Jun 07 2017 
TransUnion to Present at William Blair Growth Stock Conference Jun 06 2017 

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