US · TRU
TransUnion
- Sector
- Industrials · Consulting Services
- Headquarters
- Chicago, IL 60661
- Website
- transunion.com
Price · as of 2025-12-31
$70.53
Market cap 15.25B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $78.11 | +10.75% |
| Intrinsic Value(DCF) | $31.53 | -55.3% |
| Graham-Dodd Method(GD) | $0.51 | -99.28% |
| Graham Formula(GF) | $40.11 | -43.13% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | |||||
| 2013 | $0.00 | $0.00 | |||
| 2014 | $0.00 | $0.00 | |||
| 2015 | $24.79 | $38.19 | $4.85 | $0.00 | $0.82 |
| 2016 | $36.60 | $44.05 | $14.69 | $0.00 | $13.71 |
| 2017 | $55.88 | $62.39 | $17.95 | $8.59 | $50.67 |
| 2018 | $62.01 | $63.96 | $28.60 | $0.00 | $40.56 |
| 2019 | $85.58 | $71.84 | $3.42 | $0.00 | $26.33 |
| 2020 | $85.74 | $71.07 | $1.94 | $0.87 | $19.53 |
| 2021 | $93.47 | $88.23 | $10.51 | $22.40 | $177.18 |
| 2022 | $59.20 | $65.16 | $45.34 | $0.00 | $44.86 |
| 2023 | $79.18 | $63.15 | $0.00 | $0.00 | $0.00 |
| 2024 | $85.97 | $78.23 | $0.00 | $0.00 | $24.77 |
| 2025 | $78.31 | $78.11 | $1.03 | $0.51 | $40.11 |
AI valuation
Our deep-learning model estimates TransUnion's (TRU) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $78.11
- Current price
- $70.53
- AI upside
- +10.75%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$31.53
-55.3% upside
Graham-Dodd
$0.51
-99.28% upside
Graham Formula
$40.11
-43.13% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| TRU | TransUnion | $70.53 | 15.25B | +11% | -55% | -99% | -43% | 33.43 | 3.43 | 3.33 | 13.53 | 55.71 | -3.88 | 59.09% | 18.74% | 9.95% | 10.52% | 7.19% | 4.12% | 1.15 | 3.64 | 1.75 | 1.52 | 2.95 | 6000.00% | 938.00% | 2804.00% | 4.35% | 0.86 | 7.59% | 0.59% | 19.90% | 4.66% | 22.70 | 29.43 | 4.26 | 2.49 |
| CRS | Carpenter Technology Corp… | $398.07 | 19.83B | -62% | -67% | -85% | -77% | 32.99 | 6.57 | 4.31 | 19.13 | 32.81 | 7.52 | 26.71% | 18.14% | 13.07% | 21.39% | 18.74% | 11.09% | 0.39 | 8.17 | 3.65 | 1.84 | 0.63 | 10054.00% | 425.00% | 6046.00% | 2.31% | 0.91 | 12.77% | 0.32% | 10.70% | 2.11% | 24.58 | 44.83 | 4.46 | 7.10 |
| FTAI | FTAI Aviation Ltd. | $305.80 | 31.37B | -42% | +177% | -91% | -21% | 61.03 | 91.50 | 12.20 | 28.03 | — | 138.98 | 31.08% | 30.70% | 19.98% | 241.16% | 36.96% | 11.91% | 0.00 | 3.11 | 5.28 | 1.28 | -0.28 | -153750.00% | 4324.00% | -7689.00% | -1.02% | -0.78 | -18.06% | 0.00% | 0.00% | 11.86% | 39.33 | -97.44 | 12.08 | 6.26 |
| ITT | ITT Inc. | $202.41 | 17.42B | -19% | -35% | -79% | -51% | 32.38 | 3.87 | 4.01 | 17.78 | — | 7.40 | 35.35% | 17.38% | 12.39% | 14.25% | 16.26% | 8.86% | 0.23 | 14.23 | 2.58 | 1.96 | -0.97 | -302.00% | 848.00% | 2494.00% | 3.47% | 0.52 | 17.25% | 0.70% | 22.70% | 11.17% | 21.89 | 27.37 | 3.80 | 6.31 |
| JBHT | J.B. Hunt Transport Servi… | $233.41 | 22.22B | -48% | -60% | -83% | -81% | 37.89 | 6.36 | 1.89 | 15.53 | 376.22 | 6.76 | 10.52% | 7.21% | 4.99% | 15.79% | 11.64% | 7.18% | 0.53 | 12.19 | 0.83 | 0.71 | 1.18 | 1007.00% | -73.00% | 5338.00% | 4.18% | 0.87 | 16.93% | 0.75% | 28.60% | 4.94% | 28.37 | 25.90 | 2.05 | 6.09 |
| LUV | Southwest Airlines Co. | $49.26 | 25.48B | -26% | -50% | -88% | -83% | 59.11 | 3.27 | 0.93 | 12.89 | 1108.24 | 3.88 | 17.44% | 1.53% | 1.57% | 4.81% | 3.28% | 1.40% | 0.75 | 3.79 | 0.52 | 0.40 | 1.23 | 533.00% | 211.00% | -4864.00% | -3.19% | 0.17 | -8.14% | 1.53% | 90.50% | 11.31% | 67.33 | -34.68 | 1.03 | 2.33 |
| MTZ | MasTec, Inc. | $298.02 | 23.51B | -59% | +170% | -87% | -59% | — | 7.11 | 1.66 | 22.23 | — | 55.24 | 12.54% | 4.56% | 2.79% | 0.00% | 12.19% | 0.00% | 0.09 | 3.77 | 0.00 | 0.00 | 0.27 | 14612.00% | 1622.00% | -7063.00% | 1.20% | 0.17 | 6.52% | 0.00% | — | 8.18% | 36.78 | 84.01 | 1.68 | 3.42 |
| RTO | Rentokil Initial plc | $31.28 | 15.83B | +18% | +271% | — | -76% | 27.45 | 1.99 | 1.55 | 11.76 | — | -2.95 | 13.36% | 10.10% | 5.65% | 7.38% | 5.66% | 2.83% | 0.98 | 2.86 | 0.81 | 0.71 | 3.25 | -2000.00% | 113.00% | -361.00% | 6.02% | 0.26 | 6.89% | 2.72% | 74.60% | 2.72% | 21.20 | 22.96 | 2.14 | 1.91 |
| ULS | UL Solutions Inc. | $83.97 | 16.88B | -28% | -57% | -96% | -75% | 57.13 | 14.35 | 6.08 | 25.87 | — | 38.28 | 49.06% | 17.11% | 10.78% | 29.57% | 23.15% | 11.36% | 0.64 | 12.74 | 1.32 | 1.21 | 0.73 | -123.00% | 638.00% | 4042.00% | 2.17% | 0.79 | 23.90% | 0.56% | 32.00% | 1.10% | 36.57 | 47.40 | 6.26 | 8.58 |
| WWD | Woodward, Inc. | $386.76 | 23.2B | -54% | +15% | -87% | -71% | 40.85 | 7.04 | 5.06 | 27.12 | 208.05 | 13.83 | 26.81% | 14.33% | 12.39% | 18.64% | 15.07% | 9.83% | 0.28 | 11.19 | 2.08 | 1.28 | 0.58 | 1963.00% | 730.00% | -71.00% | 1.88% | 0.52 | 11.84% | 0.36% | 14.70% | 2.52% | 36.10 | 54.22 | 5.17 | 7.73 |
| XPO | XPO Logistics, Inc. | $210.47 | 24.71B | -52% | -59% | -92% | -88% | 80.35 | 13.64 | 3.11 | 23.83 | — | 8463.75 | 12.00% | 8.94% | 3.87% | 18.26% | 8.99% | 3.97% | 2.53 | 3.33 | 1.05 | 0.86 | 3.51 | -1827.00% | 105.00% | 209333.00% | 1.30% | 0.63 | 5.61% | 0.00% | 0.00% | 0.49% | 40.85 | 90.52 | 3.65 | 3.86 |
About TransUnion
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.
- CEO
- Christopher A. Cartwright
- Employees
- 13K
- Beta
- 1.70
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($31.53 ÷ $70.53) − 1 = -55.3% (DCF, example).