TransUnion reported third-quarter revenue growth of 12%, or 7.6% on an organic basis, a deceleration from 10.1% in the second quarter. Adjusted EBITDA rose 9%. The company raised the low end of its operating guidance.
After guidance misses and other issues, TransUnion's shares are cheap relative to peers and thus offer more room for upside.
The majority of TransUnion's revenue is transaction-based and so growth is primarily driven by volume. Mortgage volumes have disappointed in recent years. Regarding mortgage, the move to a bi-merge from a tri-merge in US mortgages could result in lower volumes and more price competition.
|
Metric
|
TRU
|
FICO
|
EFX
|
|---|---|---|---|
Price/Earnings (Normalized) | 16.47 | 17.40 | 25.69 |
Price/Book Value | 2.97 | — | 4.61 |
Price/Sales | 2.90 | 6.83 | 3.20 |
Price/Cash Flow | 10.88 | 16.01 | 12.63 |
|
Metric
|
TRU
|
FICO
|
EFX
|
|---|---|---|---|
Quick Ratio | 1.76 | 1.13 | 0.89 |
Current Ratio | 2.03 | 1.18 | 1.09 |
Interest Coverage | 4.72 | 6.72 | 5.41 |
|
Metric
|
TRU
|
FICO
|
EFX
|
|---|---|---|---|
Return on Assets (Normalized) | 7.84% | 48.40% | 6.83% |
Return on Equity (Normalized) | 19.65% | — | 17.71% |
Return on Invested Capital (Normalized) | 10.78% | 74.96% | 9.93% |
|
1-Day Chart
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Morningstar Rating for Stocks
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United States