Market Price

82.20 

-1.72 -2.1%

as of Aug 23 '19

52 Week Range:

52.15 84.74


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

TransUnion provides risk and information solutions. The company operates in three segments: U.S. Information Services (USIS), International, and Consumer Interactive. The USIS segment provides consumer reports, risk scores, and analytical and decisioning services for 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 investigate potential fraud. This segment serves various verticals, including financial service, insurance, healthcare, collection, property management, public sector, and other markets. The International segment offers credit reports, analytics, decision services, and other value-added risk management services; and consumer services, which enable consumers to manage their personal finances. This segment serves customers in financial services, insurance, automotive, collections, and communications industries through direct and indirect channels. The Consumer Interactive segment provides credit reports and scores, credit monitoring, fraud 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, the United Kingdom, Africa, the Asia Pacific, and India. 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.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 6.72
7.13
7.95
10.06
growth rate 6.1% 11.5% 26.5%
Earnings BIT 155.50
225.80
320.10
463.10
512.90
growth rate 45.2% 41.8% 44.7% 10.8%
Avg.PE 702.78
740.83
57.00
43.08
43.48
growth rate 5.4% -92.3% -24.4% 0.9%
ROA -0.78
-0.27
0.13
2.61
8.91
4.55
growth rate 0.0% 100.0% 1,907.7% 241.4% -48.9%
ROE -5.59
-2.06
0.65
9.30
28.54
15.29
growth rate 0.0% 100.0% 1,330.8% 206.9% -46.4%
ROIC 4.11
-2.71
2.33
4.80
12.76
7.65
growth rate -100.0% 100.0% 106.0% 165.8% -40.1%
Cur. Ratio 1.41
1.22
1.44
1.47
1.28
1.53
growth rate -13.5% 18.0% 2.1% -12.9% 19.5%
Quick Ratio 1.14
0.89
1.27
1.33
1.10
1.26
growth rate -21.9% 42.7% 4.7% -17.3% 14.6%
Leverage 7.15
7.95
3.61
3.51
2.96
3.73
growth rate 11.2% -54.6% -2.8% -15.7% 26.0%
Balance Sheet Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 165.00
203.20
228.40
283.30
366.90
477.60
growth rate 23.2% 12.4% 24.0% 29.5% 30.2%
Acct.Payable 100.30
106.50
105.40
114.20
131.30
169.90
growth rate 6.2% -1.0% 8.4% 15.0% 29.4%
Cur.Assets 349.70
401.00
426.80
550.00
588.70
841.50
growth rate 14.7% 6.4% 28.9% 7.0% 42.9%
Total Assets 4,492.30
4,665.80
4,442.80
4,781.20
5,118.50
7,039.80
growth rate 3.9% -4.8% 7.6% 7.1% 37.5%
Cash 111.20
77.90
133.20
182.20
115.80
187.40
growth rate -30.0% 71.0% 36.8% -36.4% 61.8%
Cur.Liabilities 247.60
329.90
296.00
373.30
458.40
548.50
growth rate 33.2% -10.3% 26.1% 22.8% 19.7%
Liabilities 3,846.80
3,894.70
3,072.90
3,308.20
3,293.90
5,057.60
growth rate 1.3% -21.1% 7.7% -0.4% 53.5%
LT Debt 2,853.10
2,865.90
2,160.70
2,331.30
2,345.30
3,987.10
growth rate 0.5% -24.6% 7.9% 0.6% 70.0%
Equity 627.90
587.10
1,231.40
1,362.80
1,728.70
1,889.70
growth rate -6.5% 109.7% 10.7% 26.9% 9.3%
Common Shares 148.00
148.00
167.00
184.00
190.00
191.00
growth rate 0.0% 12.8% 10.2% 3.3% 0.5%
Cash Flow Statement Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 81.70
155.20
132.20
124.00
135.30
180.10
growth rate 90.0% -14.8% -6.2% 9.1% 33.1%
Cash Dividends 8.00
10.40
41.60
41.60
41.60
41.60
growth rate 30.0% 300.0% 0.0% 0.0% 0.0%
Cash From OA 143.40
154.30
309.10
389.90
465.80
555.70
growth rate 7.6% 100.3% 26.1% 19.5% 19.3%
FCF per Share 0.64
1.39
1.77
1.93
growth rate 117.2% 27.3% 9.0%
Sale Purchase of Stock 2.40
9.60
767.30
6.00
27.10
growth rate 300.0% 7,892.7% -99.2% 351.7%
FCF 62.00
-1.00
177.00
265.00
332.00
376.00
growth rate -100.0% 100.0% 49.7% 25.3% 13.3%
Income Statement Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 1,183.20
1,304.70
1,506.80
1,704.90
1,933.80
2,317.20
growth rate 10.3% 15.5% 13.2% 13.4% 19.8%
Op.Income -21.40
155.50
225.80
320.10
463.10
512.90
growth rate 100.0% 45.2% 41.8% 44.7% 10.8%
IBT -25.90
-1.80
26.60
205.40
372.50
343.50
growth rate 0.0% 100.0% 672.2% 81.4% -7.8%
Net Income -21.40
-12.50
5.90
120.60
441.20
276.60
growth rate 0.0% 100.0% 1,944.1% 265.8% -37.3%
EPS -0.24
-0.08
0.04
0.65
2.32
1.45
growth rate 0.0% 100.0% 1,525.0% 256.9% -37.5%
Gross Profit 709.30
804.50
975.20
1,125.80
1,288.10
1,527.10
growth rate 13.4% 21.2% 15.4% 14.4% 18.6%

Quarterly Statements

Item Name Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Earnings BIT 134.40
122.20
131.10
122.90
158.90
growth rate -9.1% 7.3% -6.3% 29.3%
Balance Sheet Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Acct.Receivable 464.50
470.00
477.60
494.90
523.90
growth rate 1.2% 1.6% 3.6% 5.9%
Acct.Payable 171.50
159.10
169.90
171.80
178.70
growth rate -7.2% 6.8% 1.1% 4.0%
Cur.Assets 853.60
886.00
841.50
893.20
869.60
growth rate 3.8% -5.0% 6.1% -2.6%
Total Assets 7,110.10
7,141.30
7,039.80
7,175.80
7,127.30
growth rate 0.4% -1.4% 1.9% -0.7%
Cash 192.30
226.60
187.40
200.90
194.70
growth rate 17.8% -17.3% 7.2% -3.1%
Inventory
growth rate
Cur.Liabilities 536.80
545.70
548.50
545.90
575.70
growth rate 1.7% 0.5% -0.5% 5.5%
Liabilities 5,195.80
5,177.20
5,057.60
5,098.90
5,018.80
growth rate -0.4% -2.3% 0.8% -1.6%
LT Debt 4,071.30
4,057.60
3,987.10
3,976.40
3,880.40
growth rate -0.3% -1.7% -0.3% -2.4%
Equity 1,817.00
1,867.60
1,889.70
1,981.90
2,011.10
growth rate 2.8% 1.2% 4.9% 1.5%
Common Shares 1.90
1.90
1.90
1.90
1.90
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Capital Expenditures 43.50
61.80
61.80
41.90
46.10
growth rate 42.1% 0.0% -32.2% 10.0%
Cash Dividends 13.80
13.90
13.90
14.40
13.70
growth rate 0.7% 0.0% 3.6% -4.9%
Cash From OA 129.50
146.30
146.30
123.80
177.20
growth rate 13.0% 0.0% -15.4% 43.1%
Sale Purchase of Stock 4.70
growth rate
FCF 86.00
84.50
84.50
81.90
131.10
growth rate -1.7% 0.0% -3.1% 60.1%
Income Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Sales 563.10
603.60
613.10
619.30
661.90
growth rate 7.2% 1.6% 1.0% 6.9%
Op.Income 134.40
122.20
131.10
122.90
158.90
growth rate -9.1% 7.3% -6.3% 29.3%
IBT 73.10
79.40
88.00
75.50
146.40
growth rate 8.6% 10.8% -14.2% 93.9%
Net Income 55.00
46.30
102.20
70.90
101.50
growth rate -15.8% 120.7% -30.6% 43.2%
Gross Profit 374.00
396.10
402.00
411.20
445.70
growth rate 5.9% 1.5% 2.3% 8.4%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

B (81.95)

YOY Growth Grade:

B (67.76)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 48.93 56.61 23.76
EPS / Growth 31.0% 1.45 12.9%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 20.2%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 12.9% 21.3% 21.3%
Future PE 23.76 38.46 38.46
Future EPS 4.86 10.05 10.05
Value Price
MOS %
28.57
-65.2%
95.50
16.2%
95.50
16.2%
MOS Price 14.28 47.75 47.75
IRT 16.59 12.35 12.35

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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