Financial Data & Stock Exchanges. Scored on the same transparent model behind the daily rankings.
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TRU
TransUnion · Financial Data & Stock Exchanges
54.2Financial strength
$65.48Oct 9 close$12.5B
1Y Target$92.24Analyst consensus · 21 analysts
5Y Target$116.45Compound horizon
10Y Target$149.34Long-dated conviction
FCF$697mTTM · 03/26C+
FCF $697m — respectable but not differentiating · TTM from SEC filings (OCF − CapEx), four quarters to 03/26.
Rev+11.0%TTM YoYB
Revenue +11.0% — at or above S&P median · Latest four quarters of revenue vs the four before them, from SEC filings.
D/E1.13C+
D/E 1.13 — above the Financial Services debt median (≈75th pctile)
P/E17.1xC+
P/E 17.1 — above the Financial Services median (≈75th pctile)
PEG0.90B+
PEG 0.90 — near fair value (1.0 is the usual benchmark)
Targets: 1-year is analyst consensus where covered, 5- and 10-year are model estimates; the DCF is a cross-check, not a target. Methodology
Financial strength · 54.2 / 100
Profitability74.3
Value (P/B)36.2
Income39.6
A peer-relative read for financials on profitability (ROE), valuation, and covered income — the quality-growth (FCF/ROIC) screen doesn't apply to balance-sheet businesses. Not comparable to the 0–100 quality-growth score shown on other stocks.
Entry · Margin of safety
52-week rangeNear 52-week low
27% off the 12-month high
Quality signals
Gross profitability32% · B+gross profit ÷ total assets — not in the score
ROIC6.5% · C+return on invested capital — leads the quality score
Model-generatedFrom reported fundamentals, checked against the figures above · Editorial standards
Why now
Financial Data & Stock Exchanges · market cap $12.5b. Down 27% from 52-week high of $89.12 — deep drawdown territory. Revenue growing +11%, comfortably above the S&P median. PEG 0.90 — paying under fair value for the growth rate. 21 sell-side analysts rate this a Buy with a mean 1-yr target of $92.24 (implying +41% upside).
Moat
Net margin 15% beats the market median by a meaningful margin — the company is keeping more of every revenue dollar than the average S&P constituent. ROE 15% meets the long-run market sustainable threshold — solid but not differentiated; the durability comes from elsewhere. FCF converts 99% of net income — earnings translate cleanly into cash.
Risk
Beta 1.58 implies above-market volatility — position-size to the drawdowns this name will produce in a market correction, not to its bull-case return.
Horizon
1-3 yr $92.24 (21-analyst consensus) — multiple re-rating thesis requires a catalyst. 5 yr $116.45 at ~12% CAGR — dividend compounding plus earnings growth. 10 yr $149.34 if the moat survives secular pressure.
Score history · TRU
Not enough history yet — the model records TRU's score after each daily run, and the chart appears once a few days have accumulated.
TRU at a glance
Same audited fundamentals as the score, unless a card says otherwise.
Analyst estimate revisions
30-day change
-0.6%
90-day change
-0.8%
Forward EPS estimate
$5.55
Over the last 90 days, what analysts expect TRU to earn is essentially unchanged. The estimate is derived from price and forward P/E captured at the same instant, so a moving share price does not move this number — only a changed forecast does.
Estimates move both ways and are not part of the Bull Rankings score. Biggest movers →
Position sizing · TRU
$
%
%
Shares to buy
30
Position size
$1,964
3.9% of portfolio
Stop price
$49.11
25% below $65.48
$ at risk if stopped
$491.10
budget $500.00 · 1% of portfolio
Math only: excludes commissions, slippage and gap risk. Inputs stay in your browser.
TransUnion (TRU): score, valuation & FAQ
TransUnion (TRU) is a Financial Data & Stock Exchanges company. As a bank, insurer or REIT it runs on a different financial model from the rest of the market, so Bull Rankings grades it on a sector-appropriate card — price-to-book, dividend yield, payout ratio and cash-flow coverage — rather than the 0–100 quality-growth score used elsewhere. The read below is a transparent screen, not a buy recommendation.
Its strongest graded signals are PEG (B+).
Is TRU a good stock to buy?
Bull Rankings grades TRU on a sector-appropriate card — price-to-book, dividend yield, payout and cash-flow coverage — rather than a single quality-growth score. That is driven by PEG (B+). A score is a quantitative screen of TransUnion's fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.
How does Bull Rankings grade TRU?
As a bank, insurer or REIT, TRU isn't given a quality-growth score — signals like free cash flow, debt-to-equity and P/E don't translate cleanly to a balance-sheet business. Instead it's graded on a sector-appropriate card: price-to-book, dividend yield, payout ratio and operating-cash-flow coverage, where it rates strongest on PEG (B+).
Is TRU overvalued or undervalued?
We don't publish a discounted-cash-flow value for TRU, and not because the business is unprofitable. For a lender, insurer or property trust, "free cash flow" measures balance-sheet growth rather than owner earnings — loan originations and repayments run through operating cash flow — so discounting it would produce a confident-looking number with nothing behind it. TRU is judged on book value, return on equity and income cover instead, which is what the financial-strength card shows.
What are the main risks of investing in TRU?
Beta 1.58 implies above-market volatility — position-size to the drawdowns this name will produce in a market correction, not to its bull-case return.