TransUnion chart

Last update: 2022-12-30
Key statistics and financials
Revenue per share 19.27
Dividend & Yield0.42$ (0.65%)
Beta 1.35
Market capitalization 12.73B
Operating cash flow 297.2M
ESG Scores unknown

Company description

TransUnion operates as a global consumer credit reporting agency that 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 analytic services to businesses, which uses 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, technology, commerce and communications, insurance, media, services and collections, tenant and employment, and public sectors. The International segment offers credit reports, analytics, technology solutions, and other value-added risk management services; consumer services, which help consumers to manage their personal finances; 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.

Sector: Industrials - Industry: Consulting Services

Financial Ratios
Quick Ratio1.94
Working Capital1.09
Return On Equity0.35
Debt To Equity1.61
Fixed Asset Ratio0.33
Fixed Interest Cover5.84

Financial data

Financial Statements

Cashflow Statement 2019-12-31 2020-12-31 2021-12-31 2022-12-31
Change To Liabilities 5.6M 18.1M 45.7M -20.7M
Total Cashflows From Investing Activities -203.9M -267.2M -2.21B -723.9M
Net Borrowings -398.1M -208.8M 2.96B -714.6M
Total Cash From Financing Activities -486.7M -296.9M 2.76B -820.5M
Change To Operating Activities 8.4M 44.6M -54.4M -453M
Issuance Of Stock 24.4M 22.9M 21.9M 18.7M
Net Income 346.9M 343.2M 1.39B 269.5M
Change In Cash 86.9M 219.1M 1.35B -1.26B
Effect Of Exchange Rate 600k -4.4M -8M -9.9M
Total Cash From Operating Activities 776.9M 787.6M 808.3M 297.2M
Depreciation 338.6M 346.8M 377M 519M
Change To Account Receivables 16.3M -15.6M -36.2M -37.5M
Other Cashflows From Financing Activities -17M -17.3M -112.2M -14.3M
Change To Netincome 61.1M 50.5M -910.9M 19.9M
Capital Expenditures -188.4M -205.6M -224.2M -298.2M

Income Statement 2019-12-31 2020-12-31 2021-12-31 2022-12-31
Research Development
Income Before Tax 374.5M 389.5M 501.3M 387.2M
Net Income 346.9M 343.2M 1.39B 269.5M
Selling General Administrative 773.6M 793.3M 934.3M 1.31B
Gross Profit 1.66B 1.68B 1.97B 2.49B
Ebit 545.5M 536.6M 657.3M 659M
Operating Income 545.5M 536.6M 657.3M 659M
Interest Expense -173.7M -126.2M -112.6M -230.9M
Income Tax Expense 70.5M 83.7M 130.9M 119.9M
Total Revenue 2.46B 2.53B 2.96B 3.71B
Cost Of Revenue 805.5M 853.9M 991.6M 1.22B
Total Other Income ExpenseNet -171M -147.1M -156M -271.8M
Net Income From Continuing Ops 304M 305.8M 370.4M 267.3M
Net Income Applicable To Common Shares 346.9M 343.2M 1.39B 269.5M

Balance Sheet Statement 2019-12-31 2020-12-31 2021-12-31 2022-12-31
Total Liabilities 4.77B 4.68B 8.63B 7.4B
Total Stockholder Equity 2.25B 2.54B 3.91B 4.17B
Other Current Liabilities 170.6M 261.1M 653.9M 298.3M
Total Assets 7.11B 7.31B 12.63B 11.67B
Common Stock 1.9M 2M 2M 2M
Other Current Assets 62.8M 494.9M 87.1M 103.6M
Retained Earnings 652M 937.4M 2.25B 2.45B
Treasury Stock -430.8M -487.3M -537.4M -569M
Cash 274.1M 492.7M 1.84B 585.3M
Total Current Liabilities 571.4M 669.8M 1.36B 905.5M
Other Stockholder Equity -251.6M -272.1M -285.4M -284.5M
Property, Plant, and Equipment 290.2M 279.5M 392.8M 345.6M
Total Current Assets 888.2M 1.47B 2.63B 1.45B
Net Tangible Assets -3.52B -2.86B -5.39B -5.06B
Net Receivables 464.3M 394.6M 563.2M 613.6M
Accounts Payable 176.2M 188.4M 270.2M 250.4M


Insider Transactions

Here are the insider transactions of stock shares related to TransUnion:

Filer Name Transaction Text Ownership Date Filer Relation Shares
CELLO TODD M.Stock Award(Grant) at price 0.00 per share.D2023-02-28Chief Financial Officer19.1k
WILLIAMS JENNIFER AStock Award(Grant) at price 0.00 per share.D2023-02-28Officer1.74k
SKINNER TODD C.Stock Award(Grant) at price 0.00 per share.D2023-02-28Officer11.46k
KRAUSE KAREN EStock Award(Grant) at price 0.00 per share.D2023-02-28Officer5.73k
CARTWRIGHT CHRISTOPHER AStock Award(Grant) at price 0.00 per share.D2023-02-21Chief Executive Officer13.51k
CELLO TODD M.Stock Award(Grant) at price 0.00 per share.D2023-02-21Chief Financial Officer4.5k
DHAR ABHINAVStock Award(Grant) at price 0.00 per share.D2023-02-21Chief Technology Officer3.15k
RUSSELL HEATHER JStock Award(Grant) at price 0.00 per share.D2023-02-21Officer2.02k
CHAOUKI STEVEN MStock Award(Grant) at price 0.00 per share.D2023-02-21Officer2.92k
MARTIN TIMOTHY JStock Award(Grant) at price 0.00 per share.D2023-02-21Officer1.57k
MAULDIN RICHARD DANEStock Award(Grant) at price 0.00 per share.D2023-02-21Officer1.57k
SKINNER TODD C.Stock Award(Grant) at price 0.00 per share.D2023-02-21Officer604
ZUKAUCKAS LINDAStock Award(Grant) at price 0.00 per share.D2023-01-30Director2.44k
AWAD GEORGE MConversion of Exercise of derivative security at price 8.57 per share.D2022-09-15Director12k
AWAD GEORGE MConversion of Exercise of derivative security at price 8.57 per share.D2022-09-01Director12k
WILLIAMS JENNIFER AStock Award(Grant) at price 0.00 per share.D2022-09-01Officer1.02k
KRAUSE KAREN EStock Award(Grant) at price 0.00 per share.D2022-09-01Officer3.12k
CARTWRIGHT CHRISTOPHER APurchase at price 79.42 per share.D2022-08-04Chief Executive Officer25k
AWAD GEORGE MConversion of Exercise of derivative security at price 8.57 per share.D2022-07-27Director12k
SINGISETTI RAVI KUMARStock Award(Grant) at price 0.00 per share.D2022-07-07Director2.03k
DIA HAMIDOUStock Award(Grant) at price 0.00 per share.D2022-07-07Director2.03k
BOSWORTH WILLIAM PSale at price 78.72 per share.D2022-06-13Director405
FRADIN RUSSELL P.Stock Award(Grant) at price 0.00 per share.D2022-05-11Director2.09k
JOSEPH PAMELA AStock Award(Grant) at price 0.00 per share.D2022-05-11Director2.09k
MONAHAN THOMAS L IIIStock Award(Grant) at price 0.00 per share.D2022-05-11Director2.09k
GOTTDIENER CHARLES EStock Award(Grant) at price 0.00 per share.D2022-05-11Director2.09k
PROZES ANDREWStock Award(Grant) at price 0.00 per share.D2022-05-11Director2.09k
BOSWORTH WILLIAM PStock Award(Grant) at price 0.00 per share.D2022-05-11Director2.09k
AWAD GEORGE MStock Award(Grant) at price 0.00 per share.D2022-05-11Director2.09k
CLARK SUZANNE PATRICIAStock Award(Grant) at price 0.00 per share.D2022-05-11Director2.09k
MAULDIN RICHARD DANEStock Award(Grant) at price 0.00 per share.D2022-05-11Officer923
CELLO TODD M.Sale at price 105.00 per share.D2022-03-30Chief Financial Officer392
RUSSELL HEATHER JSale at price 90.76 per share.D2022-03-01Officer2.87k
CARTWRIGHT CHRISTOPHER AStock Award(Grant) at price 0.00 per share.D2022-02-25Chief Executive Officer46.02k
ELBERFELD TIMOTHYStock Award(Grant) at price 0.00 per share.D2022-02-25Officer1.53k
ACHANTA VENKATStock Award(Grant) at price 0.00 per share.D2022-02-25Officer10.13k
CLARK SUZANNE PATRICIAPurchase at price 90.35 per share.D2022-02-25Director277
CELLO TODD M.Stock Award(Grant) at price 0.00 per share.D2022-02-25Chief Financial Officer12.86k
DHAR ABHINAVStock Award(Grant) at price 0.00 per share.D2022-02-25Chief Technology Officer11.5k
RUSSELL HEATHER JStock Award(Grant) at price 0.00 per share.D2022-02-25Officer6.57k
CHAOUKI STEVEN MStock Award(Grant) at price 0.00 per share.D2022-02-25Officer10.95k
MARTIN TIMOTHY JStock Award(Grant) at price 0.00 per share.D2022-02-25Officer7.66k
MAULDIN RICHARD DANEStock Award(Grant) at price 0.00 per share.D2022-02-25Officer6.02k
MAULDIN RICHARD DANESale at price 87.99 per share.D2022-02-25Officer3.5k
SKINNER TODD C.Stock Award(Grant) at price 0.00 per share.D2022-02-25Officer6.57k
MUIGAI SUSAN WStock Award(Grant) at price 0.00 per share.D2022-02-25Officer5.47k
ELBERFELD TIMOTHYSale at price 91.21 per share.D2022-02-22Officer304
CARTWRIGHT CHRISTOPHER AStock Award(Grant) at price 0.00 per share.D2022-02-18Chief Executive Officer55.65k
ELBERFELD TIMOTHYStock Award(Grant) at price 0.00 per share.D2022-02-18Officer1.27k
CELLO TODD M.Stock Award(Grant) at price 0.00 per share.D2022-02-18Chief Financial Officer17.72k
DHAR ABHINAVStock Award(Grant) at price 0.00 per share.D2022-02-18Chief Technology Officer12.51k

Insider transaction explanations

Insider buying is the legal purchase of shares by a senior executive or director of a company. "Filer Name" corresponds to the name of the stock buyer or seller. "Transaction Text" describes the transaction. "Ownership" gives information about the transaction type. "Date" is the reported transaction date. "Filer Relation" gives the role of the insider in the company. "Shares" is the value of the transaction. You will find the complete description of the General Transaction Codes on the SEC dedicated page


Investment strategy backtesting

These are the result of three automatic investment systems applied to TransUnion. You will find the performance of an systematic investment system, a momentum strategy, and a buy the dip trading strategy.


Systematic investment results on TransUnion

Here is the result of two systematic investment strategies applied to TransUnion. The first strategy automatically buys the first day of the month, and the second strategy buys the fifteenth day of the month.

Systematic investment equity curve on TransUnion

The following chart shows the equity curve of the two systematic investment strategies applied to TransUnion:

TransUnion automated entries

The systematic investment strategy that buys the first day of the month would give a performance of 45.73% on the backtest period.

Performance at glance

Performance

45.73 %

Latent gain

1058.02 $

Invested capital

2313.81 $

Annualized return

11.05 %
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Momentum strategy results on TransUnion

This is the result of two momentum investment strategies applied to TransUnion. The first strategy uses a momentum signal calculated on one quarter, and the second uses a momentum signal calculated on two quarters.

Momentum entry openings on TransUnion

The following chart shows all the entries opened by the momentum investment system on TransUnion:

TransUnion momentum entries
  • The first momentum investment strategy would give 63.09% of return on TransUnion. That represents 2698.62$ of latent gain with 4277.58$ of employed capital.
  • The second momentum investment strategy would give 52.65% of return on TransUnion. That represents 1443.69$ of latent gain with 2742.03$ of employed capital.
Performance at glance (1Q Momentum)

Performance

63.09 %

Latent gain

2698.62 $

Invested capital

4277.58 $

Annualized return

16.61 %
Performance at glance (2Q Momentum)

Performance

52.65 %

Latent gain

1443.69 $

Invested capital

2742.03 $

Annualized return

14.39 %

Momentum equity curve on TransUnion

The following chart shows the equity curve of the two momentum strategies applied to TransUnion:

TransUnion momentum equity

Note: the dividends potentially given by TransUnion are not integrated into the calculation of the equity curve neither the performance of the strategy. The integration of the dividends will be available soon.


Employed capital on TransUnion

The following chart shows the employed capital evolution of the two momentum strategies on TransUnion since the beginning:

TransUnion

Note: the algorithm buys for a maximum of 250$ per entry. If the stock price is greater than 250$, the system buys only one stock per entry. The investment system stops automatically when the financial exposure reaches 10000$.


Buy the dip strategy result on TransUnion

Buy the dip entry openings on TransUnion

TransUnion

The performance achieved by the robo-advisor on TransUnion is 35.54%. That represents 640.26$ of latent gain with 1801.41$ of employed capital. The following chart shows TransUnion stock price with all the entries opened by the automated investment system.

Note: The blue line represents the weekly stock price of TransUnion, and the green triangles represent the entry openings. The artificall robo-advisor needs at least 100 weeks of trading history to work.

Performance at glance

Performance

35.54 %

Latent gain

640.26 $

Invested capital

1801.41 $

Annualized return

16.61 %

Equity curve of the strategy applied to TransUnion

The following chart shows the result of the investment strategy applied to TransUnion:

TransUnion

Note: the dividends potentially given by TransUnion are not integrated into the calculation of the equity curve neither the performance of the strategy. The integration of the dividends will be available soon.


Employed capital on TransUnion

The following chart shows the employed capital evolution since the beginning of the investment strategy on TransUnion:

TransUnion

Note: the algorithm buys for a maximum of 250$ per entry. If the stock price is greater than 250$, the system buys only one stock per entry. The investment system stops automatically when the financial exposure reaches 10000$.


Investment strategies comparison on TransUnion

In this section, I will compare the three previous investment strategies applied to TransUnion.

Equity curve comparison on TransUnion

The following chart shows the equity curve of the artificall advisor, the trend folowing and the automatic investment strategies:

TransUnion investment strategy comparison

Employed capital comparison on TransUnion

TransUnion investment comparison

Performance comparison on TransUnion

Strategy Latent Profit Growth Employed capital CAGR
Automatic investment 45.73% 1058.02$ 2313.81$ 11.05%
Momentum 1 quarter 63.09% 2698.62$ 4277.58$ 16.18%
Momentum 2 quarters 52.65% 1443.69$ 2742.03$ 14.39%
Non-directional 35.54% 640.26$ 1801.41$ 16.61%
Annualized return comparison

Automatic investment

11.05 %

Momentum 1Q

14.39 %

Momentum 2Q

14.39 %

Non-directional

16.61 %

Correlated stocks

Here are the most positively and negatively correlated stocks with TransUnion:

Note: The algorithm computes the probability of correlation between TransUnion and the other stocks. There may be false positives or some missing correlated stocks. If the price of TransUnion does not vary for 36 weeks, the correlation calculation result will be wrong.


Company information

Company name TransUnion
Country United States
City Chicago
Address 555 West Adams
Phone 312 985 2000
Website www.transunion.com
FullTime employees 12200
Industry Consulting Services
Sector Industrials
Exchange XNYS
Ticker TRU
Market www.nyse.com

TransUnion ESG Scores

Environment scores

Environment ESG Factors Scores
Environment Score 0
Peer Environment Performance unknown
Environment Percentile unknown
Palm Oil unknown
Nuclear unknown
Fur Leather unknown
GMO unknown
Coal unknown
Pesticides unknown
Animal Testing unknown

Social scores

Social ESG Factors Scores
Social Score 0
Peer Social Performance unknown
Social Percentile unknown
Highest Controversy unknown
Peer Highest Controversy Performance unknown
Adult unknown
Gambling unknown
Alcoholic unknown
Tobacco unknown
Catholic unknown
Controversial Weapons unknown
Small Arms unknown
Military Contract unknown
Peer Count unknown

Related Controversy:


Governance scores

Governance ESG Factors Scores
Governance Score 0
Peer Governance Performance unknown
Governance Percentile unknown

ESG at glance
Total ESG Scores: unknown
Environment Score: 0
Social Score: 0
Governance Score: 0

ESG Performance: unknown

Peer Group: unknown

Peer Esg Score Performance: unknown

Rating Year: unknown

Rating Month: unknown

Max Age: unknown

Percentile: unknown