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TransUnion (TRU)

合理估值
Financial ServicesFinancial Data & Stock ExchangesUnited States

基本面

71

价格

$62.41

市值

$12.68B

第一部分 · 这家公司值多少

概览

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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资产负债表与流动性

营收

$4.73B

最近12个月(截至2026/3/31)

净利润

$704M

最近12个月(截至2026/3/31)

自由现金流

$662M

股东权益合计

$4.44B

负债合计

$6.57B

流动比率

1.93

利息覆盖率

3.51

债务/EBITDA

3.97

每股收益

营收与净利润

自由现金流

收入构成

历史财务表

利润率变化

债务变化

债务负担有多重

增长一览表

增长 — 营业收入

公允价值估算

一般情形合理估值

公允价值

$62.86

当前价格

$62.41

安全边际

+0.7%

公允价值区间

$40.86 - $84.86

所用估值方法之间的离散区间,并非经过统计校准的置信区间。

估算方法

分析师目标价:$97.29
现金流折现法(DCF):$37.80
市盈率法(P/E):$51.05
格雷厄姆成长公式:$63.97
盈利能力价值(EPV):$34.64
合理市净率(P/B):$29.78
股息折现模型(戈登模型):$5.25
P/FFO(运营资金):$85.49
周期中段收益:$47.24
市销率法(P/S):$66.14
分析师共识:强力买入 (20B / 6H / 0S)
最近财报超预期:+6.50%

估值指标

市盈率(P/E)

16.93

ROE

10.3%

市净率(P/B)

2.48

P/FCF

16.92

毛利率

-

ROIC

6.1%

盈利能力雷达图

价值创造(经济护城河)

ROIC

6.1%

WACC

10.2%

ROIC − WACC

-4.1 pp

ROIC 低于资本成本:公司每投入一美元都在毁灭价值。

基本面分析标准

通过(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

未通过(5)

  • CapEx intensity
  • Low reliance on intangibles
  • Price below Graham Number
  • DCF valuation (Overvalued)
  • PEG Ratio 3.22

不可用(2)

  • Gross Margin NaN%
  • Dividend Payout NaN%

Piotroski F-评分

8/9

财务状况强健

score
criteria

盈利质量

1.45

高质量:盈利有现金流支撑

股权稀释

0.1%

股份数量稳定

机构持股

公司治理

管理团队

姓名职位年龄
Mr. Christopher A. CartwrightPresident, CEO & Director60
Mr. Todd M. Cello CPAExecutive VP & CFO49
Ms. Tiffani L. ChambersExecutive VP & COO47
Ms. Alicia B. ZuikerExecutive VP & Chief Human Resources Officer43
Mr. Mohamed F. AbdelsadekExecutive VP & Chief Global Solutions Officer49
Ms. Jennifer A. WilliamsSenior VP & Chief Accounting Officer51
Mr. Venkat AchantaExecutive VP and Chief Technology, Data & Analytics Officer52
Mr. Gregory R. Bardi C.F.A.Vice President of Investor Relations-
Ms. Heather J. Russell J.D.Executive VP & Chief Legal Officer53
Mr. Clayton F. Ruebensaal IIIExecutive VP & Chief Marketing and Communications Officer-

审计风险

1

董事会风险

1

薪酬风险

4

股东权利风险

1

第二部分 · 价格与买入时机

这一部分不判断公司是否值得拥有:它帮助你在基本面说服你之后,选择何时买入。包含:技术分析、潜力、历史回撤、Gamma 敞口。

文件

  • 年度报告(10-K)

    对公司业务、财务业绩和风险的年度概述。

    提交日期:2026-02-27

    查看文件
  • 季度报告(10-Q)

    最近三个月财务表现的最新情况。

    提交日期:2026-07-28

    查看文件
  • 临时报告(8-K)

    关于重大事件(如管理层变动或重要公告)的通知。

    提交日期:2026-09-23

    查看文件

via SEC EDGAR

损益历史

via SEC EDGAR

Latest News

Recent headlines for TRU, sourced from Markets Gazette.

No recent news for TRU.