Operating Income - TransUnion (NYSE:TRU)

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Price: 83.305 USD 1.27%

Market Cap: 16.2B USD

TransUnion
Operating Income

Quarterly

Annual

TTM

Adjust for Inflation

Operating Income Estimates Income Statement

TransUnion
Operating Income Peer Comparison

	Operating Income	CAGR 3Y	CAGR 5Y	CAGR 10Y
TransUnion NYSE:TRU	Operating Income $830.1m	CAGR 3-Years 15%	CAGR 5-Years 9%	CAGR 10-Years 17%
Jacobs Engineering Group Inc NYSE:J	Operating Income $1B	CAGR 3-Years -3%	CAGR 5-Years 4%	CAGR 10-Years 5%
Equifax Inc NYSE:EFX	Operating Income $1.2B	CAGR 3-Years 2%	CAGR 5-Years 17%	CAGR 10-Years 6%
Leidos Holdings Inc NYSE:LDOS	Operating Income $2B	CAGR 3-Years 23%	CAGR 5-Years 15%	CAGR 10-Years 22%
Verisk Analytics Inc NASDAQ:VRSK	Operating Income $1.4B	CAGR 3-Years 1%	CAGR 5-Years 6%	CAGR 10-Years 7%
CoStar Group Inc NASDAQ:CSGP	Operating Income -$81.1m	CAGR 3-Years N/A	CAGR 5-Years N/A	CAGR 10-Years -61%

TransUnion
Glance View

Economic Moat

None

Market Cap

16.2B USD

Industry

Professional Services

TransUnion, a name that resonates with the intricate world of credit reporting, has crafted a substantial niche by playing the pivotal role of an intermediary in the financial landscape. Founded in 1968 as a holding company for a railcar leasing organization, TransUnion gradually shifted gears to focus on the financial services sector. Headquartered in Chicago, it is now one of the major credit reporting agencies, a trio that includes Experian and Equifax. At its core, TransUnion functions as a steward of vast amounts of consumer data, which it meticulously compiles, analyzes, and refines to provide valuable insights. Each day, it processes copious amounts of information sourced from credit card companies, lenders, and public records, painting a financial portrait of individuals and businesses alike. This data-driven landscape allows consumers, through credit reports and scores, to be evaluated for their creditworthiness. The company’s business model thrives on monetizing these data insights across various industry sectors. Credit reports and related analytics serve as the backbone of its revenue stream, with financial institutions, retailers, healthcare providers, and even government agencies relying on TransUnion's precise data for informed decision-making. These clients use its insights to assess credit risk, validate identities, and combat fraud, all essential in navigating the financial ecosystem. TransUnion also taps into the burgeoning digital market, offering advanced solutions that enhance online customer experiences while safeguarding their financial integrity. With a robust commitment to innovation, the company has been continuously expanding its horizons, offering sophisticated analytics and tailored solutions, aimed at fulfilling the dynamic demands of an ever-evolving market. Through these endeavors, TransUnion solidifies its role as a trusted gatekeeper of information in the financial world, facilitating trust between consumers and enterprises.

View TRU Analysis

TRU Intrinsic Value

Undervaluation 19%

Intrinsic Value

Price

What is Intrinsic Value?

Economic Moat is a concept popularized by Warren Buffett to describe a company's durable competitive advantage. It represents the 'moat' that protects a company from competitors and helps it sustain profitability over the long term. Our analysis of the past 10 years showed that companies with a wide economic moat significantly outperformed the market, delivering +645% returns compared to +189% for the S&P 500.

Our research into Economic Moat performance spans the past 10 years and focuses on companies with a wide economic moat. For this analysis, we calculated the average stock price returns of these companies, comparing them to the performance of the S&P 500 index over the same period.

The results were compelling: wide moat stocks achieved a remarkable +645% average return, compared to +188% for the broader market. This difference highlights the long-term benefits of investing in businesses that can maintain their market position and pricing power over time.

Note: This research does not account for survivorship bias. Past performance is not indicative of future results.

Determining whether a company has an economic moat requires both a deep dive into financial metrics and a qualitative assessment of its competitive position. Our analysts conduct a rigorous evaluation that focuses on identifying structural advantages that enable a company to sustain profitability and defend its market share over the long term.

The process begins with an analysis of a company’s historical financial performance. We assess how consistently the company has generated returns above its cost of capital and whether those returns have been stable or improving. However, financial performance alone doesn’t reveal the full picture. To understand the sources of these advantages, we evaluate five key drivers of economic moats:

Network Effect: We analyze whether the value of a company’s product or service grows as its user base expands. Platforms like payment systems or marketplaces benefit from this self-reinforcing.

Switching Costs: We assess whether customers face significant costs or disruptions when switching to a competitor’s product or service. High switching costs create customer stickiness and provide pricing power.

Intangible Assets: Strong brands, patents, and regulatory licenses can protect a company’s market position by creating barriers for competitors or enabling premium pricing. For example, a well-recognized consumer brand may command higher customer loyalty and margins.

Efficient scale: Occurs when a market is optimally served by one or a few players, making it unprofitable for new entrants to compete. This typically happens in industries with high fixed costs or geographic constraints, such as utilities or pipelines.

Cost Advantage: Companies with structural cost advantages can produce goods or services at a lower cost than their competitors, enabling them to offer competitive pricing or maintain higher margins. These advantages often arise from economies of scale, superior supply chain management, or proprietary technology. Firms like Walmart leverage their massive scale to negotiate better terms with suppliers, allowing them to undercut competitors on price.

By examining these factors in combination with a company’s financial performance and market positioning, we classify each company into one of three categories:

This rigorous evaluation ensures that our moat ratings are both comprehensive and reliable, giving investors the tools they need to make well-informed, long-term decisions.

The AI Assistant may sometimes provide inaccurate information.

Make your own investment decisions or consult a licensed financial advisor.

TransUnion
NYSE:TRU

TransUnion
Operating Income

TransUnion
Operating Income Peer Comparison

Competitors Analysis
Latest Figures & CAGR of Competitors

TransUnion
Glance View

See Also

What is TransUnion's Operating Income?

Operating Income
830.1m USD

What is TransUnion's Operating Income growth rate?

Operating Income CAGR 10Y
17%

Company

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TransUnion NYSE:TRU

TransUnion Operating Income

TransUnion Operating Income Peer Comparison

Competitors Analysis Latest Figures & CAGR of Competitors

TransUnion Glance View

See Also

What is TransUnion's Operating Income? Operating Income 830.1m USD

What is TransUnion's Operating Income growth rate? Operating Income CAGR 10Y 17%

Company

Help

Tools

Stocks

TransUnion
NYSE:TRU

TransUnion
Operating Income

TransUnion
Operating Income Peer Comparison

Competitors Analysis
Latest Figures & CAGR of Competitors

TransUnion
Glance View

What is TransUnion's Operating Income?

Operating Income
830.1m USD

What is TransUnion's Operating Income growth rate?

Operating Income CAGR 10Y
17%