TransUnion

TransUnion

TRUยทNYSE

$69.39

-5.9%
IndustrialsConsulting Services

TransUnion 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 analytics to businesses. These businesses use 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, insurance, tenant and employment, collections and services, technology, commerce and communication, public sector, media, and other markets. The International segment offers credit reports, analytics, technology solutions, and other value-added risk management services; and consumer services, which help consumers to manage their personal finances and 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.

At a Glance

Live Snapshot
Market Cap$13.38B
EPS2.3400
P/E Ratio29.65
Earnings Date07/23/2026
TransUnion

TransUnion Fair Value Envelope

TRU ยท NYSE

Our analysis suggests that TRU has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $69.39, this represents a potential HIDDEN relative to our calculated worth for TransUnion.

Intrinsic Value
Current Price: $69.39

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$112.5B
+ Cash & Equivalents$853.6M
Firm Value$113.3B
- Debt$5.2B
Equity Value$108.2B
/ Shares Outstanding194,849,982B
DCF Value$555
UNDERVALUED BY 700%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$1.3B
$1.6B
$2.1B
$2.7B
$3.4B
$4.4B
$5.6B
$7.1B
$9.1B
$11.7B
Maintenance CapEx
-$83.5M
-$106.9M
-$136.9M
-$175.3M
-$224.4M
-$287.3M
-$367.9M
-$471.1M
-$603.2M
-$772.4M
Owner Earnings
$1.2B
$1.5B
$1.9B
$2.5B
$3.2B
$4.1B
$5.2B
$6.7B
$8.5B
$10.9B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$1.1B
$1.3B
$1.5B
$1.8B
$2.2B
$2.6B
$3.0B
$3.6B
$4.3B
$5.1B
Terminal Value represents 76.5% of Enterprise Value