TRUTransUnion
Services-Consumer Credit Reporting, Collection Agencies
- Revenue
- $4.6B
- 9.4% YoY
- Operating margin
- 18.7%
- 18% YoY
- EBITDA
- $1.4B
- 19% YoY
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- 2.8×
- $4.0B net debt
- AI in 10-K
- —
Red flags 1 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear217% of net incomeCash flow under 80% of net income
- Dilutive SBCClear3% of revenueOver 10% of revenue
- Payouts exceed cash flowClear40% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyFired48% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $3.0B | $3.7B | $3.8B | $4.2B | $4.6B | 9.4% |
| Operating income | $652M | $626M | $129M | $667M | $858M | 29% |
| Net income | $1.4B | $266M | −$206M | $284M | $455M | 60% |
| Operating cash flow | $808M | $297M | $645M | $833M | $988M | 19% |
| Capex | $224M | $298M | $311M | $316M | $326M | 3.2% |
| Stock-based comp | $69M | $83M | $100M | $121M | $146M | 20% |
| Buybacks | — | — | $0 | $0 | $302M | |
| Dividends | $70M | $78M | $82M | $83M | $91M | 9.4% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $0 · 0
- Open-market sells, 12 mo
- $2M · 7
- Net
- −$2M
Pay vs performance
No pay-versus-performance disclosure yet.