TRU Stock Analysis — TransUnion
Sector: Financials
AI Verdict
TRU trades at 14.1x next year's earnings while analysts expect +112.1% EPS growth — that's cheap for the growth you're getting, and the entrenched credit data moat makes the forecast more credible than most.
Competitive Moat
TransUnion operates one of the three dominant consumer credit bureaus in the U.S., giving it a data network effect that is nearly impossible for new entrants to replicate. Its defensibility comes from entrenched relationships with lenders and regulatory barriers that protect its access to sensitive credit data.
Summary
TransUnion is seeing a dramatic earnings inflection, with forward EPS growth expected at 112.1%.
Where It Stands
TRU returned 9.4% revenue growth last year and trades at 14.1x next year's earnings, well below the financial sector median of 14x, with a PEG ratio of 0.27 indicating the growth rate far outpaces the current valuation.
Key Metrics
- Trailing P/E: 29.9x
- Forward P/E: 14.1x
- PEG Ratio: 0.27
- Earnings Growth: +1.1%
- Revenue Growth: +0.1%
- Dividend Yield: 0.01%
- 52-Week High: $99.39
- 52-Week Low: $65.23
Analyst Consensus
20 Buy · 6 Hold · 0 Sell (26 analysts)
Bull Case
With forward EPS expected to more than double (+112.1%) and a forward P/E of just 14.1x, investors are getting rare growth at a sector-average price.
Bear Case
If the forward P/E reverts to the trailing 29.9x, the stock could see a sharp rerating if growth expectations are missed.
Catalyst to Watch
Watch for quarterly earnings to confirm the triple-digit EPS growth; any miss could quickly unwind the low-P/E narrative.