TransUnion (TRU)
Valor JustoFundamental
71
Precio
$62.41
Capitalización Bursátil
$12.68B
Parte 1 · Cuánto vale la empresa
Resumen
TransUnion operates as a global consumer credit reporting agency that provides risk and information solutions. The company operates in two segments, U.S. Markets and International. The U.S. Markets segment provides credit reporting, credit marketing, analytics and consulting, identity verification, and authentication and debt recovery solutions for financial services industry; and onboarding and transaction processing products, scoring and analytic products, marketing solutions, fraud and identity management solutions, and customer retention solutions, as well select market-specific solutions for insurance, technology, retail and e-commerce, telecommunications, media, tenant and employment screening, collections, and public sectors. It also offers credit reports, scores, and freezes credit monitoring, identity protection and resolution, and financial management for consumers, as well as helps businesses respond to data breach events through its own websites, as well as channels. The International segment offers credit reports, analytics, technology solutions, and other value-added risk management services; consumer services, which helps consumers to manage their personal finances; credit bureaus; and consumer and business 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 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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Direct competitors
Who this company fights with for the same customers
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Balance y Liquidez
Ingresos
$4.73B
Últimos 12 meses (hasta 31/3/2026)
Beneficio Neto
$704M
Últimos 12 meses (hasta 31/3/2026)
Flujo de Caja Libre
$662M
Patrimonio Neto Total
$4.44B
Pasivo Total
$6.57B
Ratio de Liquidez
1.93
Cobertura de Intereses
3.51
Deuda/EBITDA
3.97
Beneficio Por Acción
Ingresos y Beneficio Neto
Flujo de Caja Libre
Desglose de Ingresos
Estado histórico
Márgenes en el tiempo
La deuda en el tiempo
Cuánto pesa la deuda
Cuadro de crecimiento
Crecimiento — Ingresos
Estimación de Valor Justo
Valor Justo
$62.86
Precio Actual
$62.41
Margen de Seguridad
+0.7%
Rango de Valor Justo
$40.86 - $84.86
Dispersión entre los métodos de valoración utilizados, no un intervalo de confianza calibrado estadísticamente.
Métodos de Estimación
Métricas de Valoración
Ratio P/E
16.93
ROE
10.3%
Ratio P/B
2.48
P/FCF
16.92
Margen Bruto
-
ROIC
6.1%
Radar de Rentabilidad
Creación de Valor (Ventaja Competitiva)
ROIC
6.1%
WACC
10.2%
ROIC − WACC
-4.1 pp
El ROIC está por debajo del coste del capital: la empresa destruye valor por cada dólar invertido.
Criterios de Análisis Fundamental
Superado (20)
- EPS shows upward trend
- Price CAGR 9.65%
- ROIC 6.1%
- P/FCF 16.92
- P/B Ratio 2.48
- Debt/Equity ratio
- Operating Margin 17.9%
- Positive Free Cash Flow
- Current Ratio
- Interest Coverage
- Debt/EBITDA
- Return on Tangible Assets
- ROE 16.0%
- Revenue Growth 5Y 12.6%
- Analyst Consensus 77% Buy
- Earnings Surprise avg 5.4%
- Earnings Quality (OCF/NI) 1.45
- Share Dilution 0.1%
- Net Margin Trend 14.9% vs 8.6%
- Piotroski F-Score 8/9
Fallido (5)
- CapEx intensity
- Low reliance on intangibles
- Price below Graham Number
- DCF valuation (Overvalued)
- PEG Ratio 3.22
No disponible (2)
- Gross Margin NaN%
- Dividend Payout NaN%
Piotroski F-Score
Solidez financiera fuerte
Calidad de los Beneficios
Alta calidad: beneficios respaldados por efectivo
Dilución de Acciones
El número de acciones es estable
Participaciones institucionales
Gobernanza
Equipo Directivo
| Nombre | Cargo | Edad |
|---|---|---|
| Mr. Christopher A. Cartwright | President, CEO & Director | 60 |
| Mr. Todd M. Cello CPA | Executive VP & CFO | 49 |
| Ms. Tiffani L. Chambers | Executive VP & COO | 47 |
| Ms. Alicia B. Zuiker | Executive VP & Chief Human Resources Officer | 43 |
| Mr. Mohamed F. Abdelsadek | Executive VP & Chief Global Solutions Officer | 49 |
| Ms. Jennifer A. Williams | Senior VP & Chief Accounting Officer | 51 |
| Mr. Venkat Achanta | Executive VP and Chief Technology, Data & Analytics Officer | 52 |
| Mr. Gregory R. Bardi C.F.A. | Vice President of Investor Relations | - |
| Ms. Heather J. Russell J.D. | Executive VP & Chief Legal Officer | 53 |
| Mr. Clayton F. Ruebensaal III | Executive VP & Chief Marketing and Communications Officer | - |
Riesgo de Auditoría
1
Riesgo del Consejo
1
Riesgo de Compensación
4
Riesgo de Derechos del Accionista
1
Parte 2 · El precio y el momento de entrar
Esta parte no sirve para saber si la empresa vale: sirve para elegir cuándo comprarla, una vez que los fundamentales te han convencido. Dentro: análisis técnico, potencial, caídas históricas, exposición gamma.
Documentos
- Ver documento
Informe anual (10-K)
Un resumen anual del negocio, los resultados financieros y los riesgos de la empresa.
Presentado el 2026-02-27
- Ver documento
Informe trimestral (10-Q)
Una actualización del desempeño financiero de los últimos tres meses.
Presentado el 2026-07-28
- Ver documento
Informe de hecho relevante (8-K)
Un aviso sobre un hecho relevante, como un cambio de dirección o un anuncio importante.
Presentado el 2026-09-23
via SEC EDGAR
Historial de Resultados
via SEC EDGAR
Latest News
Recent headlines for TRU, sourced from Markets Gazette.