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TransUnion (TRU) Company Profile

Updated Jun 2, 2020
TransUnion has the following business profile:
Company's Full Name:TransUnion
Short Name:TransUnion
Trading Ticker Symbol:TRU
Primary Exchange:NYSE
Headquarter City/Country:Illinois, IL
Primary Industry Sector:Finance
Seconday Sub-sector:Consumer Finance Services
Main Business Areas: Finance, Consumer Finance Services, Industrials, Business Services
Dividend Payments:Dividend History
ETFs Holding:List of ETFs holding TransUnion stock

Market and Trading Information for TransUnion

The following details were available for trading and market data about the stock of TransUnion as of writing:
Current Share Price:$88.89
Previous Year's Closing Price:$85.61
Percentage Price Change (YTD):3.83%
Market Cap:$16.87 billion
52-week Price Range:$52.5 - $101.16
Dividend Per Share:$0.3
EPS (TTM):1.8
Price-Earnings (Trailing):49.27
Price-Earnings (Forward):30.23

Company Profile and Business Description for TransUnion

TransUnion, incorporated on February 15, 2012, is a risk and information solutions provider to businesses and consumers. The Company operates through three segments: U.S. Information Services (USIS), International and Consumer Interactive. Its solutions are used by businesses for their process workflows 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. Its solutions are used by consumers to view their credit profiles and access analytical tools that help them understand and manage their personal information, and take precautions against identity theft. The Company possesses both nationwide consumer credit data and public records data, which allows it to predict behaviors, assess risk and address a set of business issues for the customers. The Company offers its services across various industries, including financial services, specialized risk, insurance and healthcare. As of December 31, 2016, the Company operated in over 30 countries across North America, Africa, Latin America and Asia. As of December 31, 2016, the Company's solutions are based on a foundation of financial, credit, alternative credit, identity, bankruptcy, lien, judgment, insurance claims, automotive and other relevant information from 90,000 data sources, including financial institutions, private databases and public records repositories.

USIS

The USIS segment provides consumer reports, risk scores, analytical services and decisioning capabilities to businesses. The Company's Data Assets comprise its credit database, which contains the name and address of the United States credit-active population, a listing of their existing credit relationships and their timeliness in repaying debt obligations. It sources information from courts, government agencies and other public records, including suits, liens, judgments, bankruptcies, professional licenses, real property, vehicle ownership, other assets, driver violations, criminal records and contact information. The Company's predictive analytics capabilities allow it to analyze its datasets and provide insights to the customers. The Company has tools, such as predictive modeling and scoring, customer segmentation, benchmarking, forecasting, fraud modeling and campaign optimization.

The Company provides services to the customers through three delivery platforms: Online Data Services, Marketing Services and Decision Services. The Company's online data services encompass services delivered in real-time, using both credit and public record datasets. These services include credit reports and predictive scores delivered to qualified businesses to help them assess the risk of prospective consumers seeking to access credit or insurance. It also provide online reports that link public record datasets for qualified businesses that seek to locate consumers or specific assets, or investigate relationships among consumers, businesses and locations. It also provides online services to help businesses manage fraud and authenticate a consumer's identification (ID) when they initiate a new business relationship. Its fraud database contains data elements, such as addresses and Social Security numbers from multiple sources that alert businesses to identities associated with known or suspected fraudulent activity. It also provides data to businesses to help them satisfy know-your-customer compliance requirements and to confirm an individual's identity.

The Company's marketing services help businesses acquire customers, cross-sell to existing customers, monitor, and manage risk in their existing portfolios. Its databases are used by the customers to contact individuals to extend offers of credit or insurance. It provides portfolio review services to help the customers develop cross-selling offers to their existing customers, and monitor and manage risk in their existing consumer portfolios. It also provides trigger services, which are daily notifications of changes to a consumer profile.

The Company's decision services offered as software-as-a-service include various platforms that help businesses interpret data, visualize insights, predict model results and apply their customer-specific criteria to facilitate automated decisions at the time of customer interaction. Its customers use decision services to evaluate business risks and opportunities, including those associated with new consumer credit and checking accounts, insurance applications, account collection, patient registrations and apartment rental requests. As of December 31, 2016, the Company's CreditVision solutions were based on 30 months of time series data and delivered across all its platforms. The Company allows its consumers to use CreditVision Link to evaluate risk in consumer populations. Prama, a portfolio of tools of the Company, provides customer access to analytic datasets for gaining insights into market trends and portfolio performance. Its AdFuel capabilities power digital media campaigns with targeted audiences for the financial services and insurance industries.

International

The International segment provides services similar to its USIS segment to businesses in select regions outside the United States. Depending on the maturity of the credit economy in each country, services may include credit reports, analytics and decisioning services and other risk management services. The Company has insurance, business and automotive databases in select geographies. These services are offered to customers in a range of industries, including financial services, retail credit, insurance, automotive, collections, government and communications, and are delivered through both direct and indirect channels. It also provides consumer solutions to help consumers manage their personal finances. The International segment has two market groups: Developed and Emerging Markets. The Company offers online data services, marketing services and decision services in Canada and Hong Kong. The Company operates across multiple verticals in Canada with operations in insurance, collections and automotive, and a presence in financial services. The Company is a supplier of consumer credit data and solutions in Hong Kong. The Company provides online data services, marketing services and decision services in markets, such as South Africa, Brazil, India and other countries in Africa, Latin America and Asia Pacific regions. The Company serves a range of industries through traditional consumer credit reporting services, insurance solutions, auto information solutions, commercial credit information services and consumer solutions in South Africa.

As of December 31, 2016, the Company's vehicle information database in South Africa had over 18 million vehicle records and included vehicle identifier codes. The Company owns or has access to various non-credit data sources in India. These include the national voters registry and the national ID database, as well as other sources, such as the confirmed and suspected fraud registry, property registry and tax ID database. It offers a suite of risk and information solutions across the credit lifecycle for banks, telecommunication companies and insurance companies. Its suite of offerings includes analytics and decisioning solutions that enable its customers to make decisions. The Company's operations in Asia Pacific include markets, such as Thailand, Singapore, Malaysia, China and the Philippines.

Consumer Interactive

The Consumer Interactive segment offers solutions that help consumers manage their personal finances and take precautions against identity theft. The Company's services in Consumer Interactive segment include credit reports and scores, credit monitoring, fraud protection and resolution, and financial management. Its products are offered through online and mobile interfaces, and are supported by educational content and customer support. It serves consumers through both direct and indirect channels. The Company provides services directly to consumers, primarily on a subscription basis through Websites and mobile applications. Its product features include alerts to changes in credit information, debt analysis, debt and retirement calculators, identity protection services, insurance scores and the ability to restrict third-party access to a consumer's TransUnion credit report.

The Company provides its services to partners either on a standalone basis or with their own or other branded services as a bundle to consumers, governmental agencies and businesses in support of fraud or credit protection, credit monitoring, identity authentication, insurance or credit underwriting, and collections. It offers a suite of solutions that include educational content and customer support features available through direct channel.

The Company competes with Equifax, Experian, LexisNexis, FICO, Solera, Verisk, IMS Health, Inovalon, Trizetto and LifeLock.

555 W Adams St

ETFs Holding TransUnion Stock

As of March 2020, the following exchange-traded funds (ETF) hold the TransUnion stocks in their respective portfolios. Below is a random list of only 10 ETFs in no particular order that have TransUnion stock holding. There are a total of 87 ETFs in Fknol.com records which are holding TransUnion stock in their portfolio. See Full List.

TickerNameShort DescriptionExpense
Ratio
No. of
Holdings
Dividend
Frequency
ACWIiShares MSCI ACWI ETFThe iShares MSCI ACWI ETF tracks a market-cap-weighted index of large- and midcap global stocks, covering 85% of the developed and emerging markets capitalization. ...Full Details ...Candlestick Patterns.0.32%1596
Full List
Semi-Annually
CHGXChange Finance Diversified Impact US Large Cap Fossil Fuel Free ETFCHGX tracks an index of 100 US large-cap stocks that meet diverse environmental, social, and governance standards. ...Full Details0.49%101
Full List
Annually
CRBNiShares MSCI ACWI Low Carbon Target ETFThe iShares MSCI ACWI Low Carbon Target ETF tracks an index of stocks from global firms selected for a bias toward lower carbon emissions, but with tight constraints to the broad, marketlike ACWI index. ...Full Details0.2%1204
Full List
Semi-Annually
DGRWWisdomTree US Dividend Growth FundThe WisdomTree U.S. Quality Dividend Growth ETF tracks the performance of the WisdomTree US Dividend Growth Index by investing in large- and midcap dividend-paying US common stocks with growth characteristics. ...Full Details0.28%276
Full List
Monthly
DSIiShares MSCI KLD 400 Social ETFThe iShares MSCI KLD 400 Social ETF tracks a market-cap-weighted index of 400 companies deemed to have positive environmental, social and governance characteristics by MSCI. ...Full Details0.25%402
Full List
Quarterly
DTDWisdomTree US Total Dividend ETFThe WisdomTree U.S. Total Dividend Fund tracks an index of U.S. companies selected and weighted based on the dollar amount of dividends paid. ...Full Details0.28%864
Full List
Monthly
EPSWisdomTree US Earnings 500 ETFThe WisdomTree U.S. Earnings 500 Fund tracks an earnings-weighted index of the 500 largest US companies that have generated positive earnings in the past calendar year. ...Full Details0.28%493
Full List
Quarterly
ESGVVanguard ESG US Stock ETFThe Vanguard ESG U.S. Stock ETF tracks a market-cap-weighted index of US companies screened for environmental, social, and corporate governance (ESG) criteria. ...Full Details0.12%988
Full List
Quarterly
EXTWisdomTree US Total Earnings ETFThe WisdomTree U.S. Total Earnings Fund tracks an index selected and weighted by earnings over the past four quarters. ...Full Details0.28%1233
Full List
Quarterly
FEXFirst Trust Large Cap Core AlphaDEX FundThe First Trust Large Cap Core AlphaDex ETF tracks a tiered equal-weighted index of large-cap stocks selected from the S&P 500 based on the S&P's AlphaDex selection methodology. ...Full Details0.61%376
Full List
Quarterly

See Full List of ETFs holding TransUnion stock in their respective portfolios.

Peer / Competitor Companies of Consumer Finance Services Sector

Along with TransUnion, the following other peer (competitor) companies also exist within the same Consumer Finance Services - Finance sector whose company profile and dividend history is as follows:

▶ AllianzGI NFJ Dividend Interest and Premium Strate (NFJ): NFJ Dividend, Interest& Premium Strategy Fund (the Fund) is a diversified closed-end management investment company. The Funds primary investment objective is to seek current income and gains, with a secondary ....See Detailed Company Profile,  Dividend History

▶ Ally Financial (ALLY): Ally Financial Inc. provides various financial products and services to consumers, businesses, automotive dealers, and corporate customers primarily in the United States and Canada. It operates throug....See Detailed Company Profile,  Dividend History

▶ America First Multifamily Investors (ATAX): America First Multifamily Investors, L.P. acquires, holds, sells, and deals in a portfolio of mortgage revenue bonds (MRBs) that are issued to provide construction or permanent financing for multifami....See Detailed Company Profile,  Dividend History

▶ American Express (AXP): American Express Company, incorporated on June 10, 1965, together with its subsidiaries, is a global services company. The Companys principal products and services are charge and credit card products, and ....See Detailed Company Profile,  Dividend History

▶ Atlanticus (ATLC): Atlanticus Holdings Corporation, incorporated on May 14, 2009, is focused on providing financial services. Through its subsidiaries, the Company offers an array of financial products and services. The Company operates ....See Detailed Company Profile,  Dividend History

▶ CIT DEL (CIT): CIT Group Inc. operates as the holding company for CIT Bank, N.A. that provides banking and related services to commercial and individual customers. The company operates through Commercial Banking and....See Detailed Company Profile,  Dividend History

▶ Consumer Portfolio (CPSS): Consumer Portfolio Services, Inc., incorporated on March 8, 1991, is a specialty finance company. The Companys business is to purchase and service retail automobile contracts originated primarily by franchised automobile ....See Detailed Company Profile,  Dividend History

▶ Credit Acceptance (CACC): Credit Acceptance Corporation, incorporated on August 23, 1972, offers financing programs that enable automobile dealers to sell vehicles to consumers. The Companys financing programs are offered through a network of ....See Detailed Company Profile,  Dividend History

▶ Discover Financial (DFS): Discover Financial Services, through its subsidiaries, operates as a direct banking and payment services company in the United States. The Direct Banking segment offers Discover-branded credit cards t....See Detailed Company Profile,  Dividend History

▶ Enova International (ENVA): Enova International, Inc., incorporated on September 7, 2011, is a technology and analytics company. The Company provides online financial services. As of December 31, 2016, the Company offered or arranged ....See Detailed Company Profile,  Dividend History

▶ Equifax (EFX): Equifax Inc., incorporated on December 20, 1913, is a global provider of information solutions and human resources business process outsourcing services for businesses, governments and consumers. The Company operates in ....See Detailed Company Profile,  Dividend History

▶ Everi (EVRI): Everi Holdings Inc., incorporated on February 4, 2004, is a holding company. The Company operates through subsidiaries, including Everi Games Holding Inc. (Everi Games Holding) and Everi Payments Inc. (Everi ....See Detailed Company Profile,  Dividend History

▶ Green Dot (GDOT): Green Dot Corporation (Green Dot), incorporated on October 26, 1999, is a pro-consumer financial technology innovator. The Company is a provider of reloadable prepaid debit cards and cash reload processing ....See Detailed Company Profile,  Dividend History

▶ LendingTree (TREE): LendingTree, Inc. (LendingTree), incorporated on April 14, 2008, is engaged in operating an online loan marketplace for consumers seeking loans and other credit-based offerings. The Companys online marketplace provides consumers ....See Detailed Company Profile,  Dividend History

▶ LM Funding America (LMFA): LM Funding America, Inc., incorporated on April 20, 2015, is a specialty finance company. The Company provides funding to nonprofit community associations primarily located in the state of Florida and ....See Detailed Company Profile,  Dividend History

▶ Medallion Financial (MFIN): Medallion Financial Corp., incorporated on October 20, 1995, is a closed-end, non-diversified management investment company. The Company is a specialty finance company, which is engaged in originating, acquiring and servicing ....See Detailed Company Profile,  Dividend History

▶ Medallion Financial (MFINL): Medallion Financial Corp., incorporated on October 20, 1995, is a closed-end, non-diversified management investment company. The Company is a specialty finance company, which is engaged in originating, acquiring and servicing ....See Detailed Company Profile,  Dividend History

▶ Moody's (MCO): Moodys Corporation (Moodys), incorporated on June 2, 2000, is a provider of credit ratings; credit, capital markets and economic related research, data and analytical tools; software solutions and related risk ....See Detailed Company Profile,  Dividend History

▶ Navient (JSM): Navient Corporation, incorporated on November 7, 2013, provides asset management and business processing services to education, healthcare and government clients at the federal, state and local levels. The Company holds ....See Detailed Company Profile,  Dividend History

▶ Nelnet (NNI): Nelnet, Inc., incorporated on December 21, 1977, focuses on delivering education-related products and services and student loan asset management. The Company is engaged in student loan servicing, tuition payment processing ....See Detailed Company Profile,  Dividend History

... See Full List of All Stocks of Consumer Finance Services Sector.

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Stock List of Other Top-level Sectors

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