Intrinsic value of TransUnion - TRU

Previous Close

$46.49

  Intrinsic Value

$34.05

stock screener

  Rating & Target

sell

-27%

  Value-price divergence*

+79%

Previous close

$46.49

 
Intrinsic value

$34.05

 
Up/down potential

-27%

 
Rating

sell

 
Value-price divergence*

+79%

*Intrinsic value change (in %) minus stock price change (in %) in the past 12 months.

We calculate the intrinsic value of TRU stock by summing up the current values of future distributable cash flows generated by the company and dividing the sum by the number of outstanding shares. As such, the intrinsic value calculation depends entirely on projections. The more accurate your projections of the company's performance are - the more reliable is the intrinsic value calculation result. Please make sure to check the stock valuation input data below and adjust it if necessary. The quality of the output (intrinsic valuation result) is only as good as the quality of the input. See also DISCLAIMERS.

STOCK VALUATION INPUT DATA

Revenue (in 2016), $M
Initial revenue growth rate, %
Terminal revenue growth rate, %
Revenue decline factor
Initial discount rate, %
Discount rate multiplier
Variable cost ratio, %
Fixed operating expenses, $M
Interest rate on debt, %
Effective corporate tax rate, %
Production assets / Revenue, %
Life of production assets, yrs
Working capital / Revenue, %
Revenue / Adjusted assets
Adjusted equity ratio
Cash flow adjustment, % of Revenue
Book value of equity, $M
Shares outstanding, mln
Market capitalization, $bln 8.6

 

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year
2016(a)
   2017
   2018
   2019
   2020
   2021
   2022
   2023
   2024
   2025
   2026
   2027
   2028
   2029
   2030
   2031
   2032
   2033
   2034
   2035
   2036
   2037
   2038
   2039
   2040
   2041
   2042
   2043
   2044
   2045
   2046

INCOME STATEMENT

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Revenue growth rate, %
  13.14
  12.10
  11.39
  10.75
  10.18
  9.66
  9.19
  8.77
  8.40
  8.06
  7.75
  7.48
  7.23
  7.01
  6.80
  6.62
  6.46
  6.32
  6.18
  6.07
  5.96
  5.86
  5.78
  5.70
  5.63
  5.57
  5.51
  5.46
  5.41
  5.37
  5.33
Revenue, $m
  1,705
  1,911
  2,129
  2,358
  2,598
  2,849
  3,111
  3,384
  3,668
  3,963
  4,270
  4,589
  4,921
  5,266
  5,624
  5,997
  6,384
  6,788
  7,207
  7,644
  8,100
  8,575
  9,070
  9,587
  10,127
  10,691
  11,280
  11,895
  12,539
  13,213
  13,918
Variable operating expenses, $m
 
  996
  1,085
  1,178
  1,276
  1,378
  1,485
  1,596
  1,712
  1,832
  1,957
  1,870
  2,005
  2,146
  2,292
  2,444
  2,602
  2,766
  2,937
  3,115
  3,301
  3,494
  3,696
  3,907
  4,127
  4,356
  4,596
  4,847
  5,110
  5,384
  5,671
Fixed operating expenses, $m
 
  535
  548
  562
  576
  591
  605
  620
  636
  652
  668
  685
  702
  720
  738
  756
  775
  794
  814
  834
  855
  877
  899
  921
  944
  968
  992
  1,017
  1,042
  1,068
  1,095
Total operating expenses, $m
  1,422
  1,531
  1,633
  1,740
  1,852
  1,969
  2,090
  2,216
  2,348
  2,484
  2,625
  2,555
  2,707
  2,866
  3,030
  3,200
  3,377
  3,560
  3,751
  3,949
  4,156
  4,371
  4,595
  4,828
  5,071
  5,324
  5,588
  5,864
  6,152
  6,452
  6,766
Operating income, $m
  283
  380
  496
  618
  746
  880
  1,020
  1,167
  1,320
  1,479
  1,645
  2,034
  2,214
  2,401
  2,595
  2,797
  3,008
  3,227
  3,456
  3,695
  3,944
  4,204
  4,476
  4,759
  5,056
  5,366
  5,691
  6,031
  6,387
  6,760
  7,151
EBITDA, $m
  548
  742
  874
  1,013
  1,159
  1,312
  1,472
  1,640
  1,814
  1,995
  2,184
  2,381
  2,585
  2,798
  3,019
  3,250
  3,490
  3,740
  4,000
  4,272
  4,555
  4,851
  5,160
  5,483
  5,820
  6,173
  6,542
  6,929
  7,334
  7,757
  8,202
Interest expense (income), $m
  88
  88
  104
  120
  138
  156
  175
  194
  215
  236
  258
  281
  305
  330
  356
  383
  411
  440
  471
  502
  535
  569
  605
  642
  681
  722
  764
  808
  855
  903
  954
Earnings before tax, $m
  205
  292
  392
  497
  608
  724
  846
  973
  1,105
  1,243
  1,386
  1,753
  1,908
  2,070
  2,239
  2,414
  2,597
  2,787
  2,985
  3,193
  3,409
  3,635
  3,870
  4,117
  4,375
  4,645
  4,927
  5,223
  5,533
  5,857
  6,198
Tax expense, $m
  74
  79
  106
  134
  164
  196
  228
  263
  298
  336
  374
  473
  515
  559
  604
  652
  701
  752
  806
  862
  920
  981
  1,045
  1,112
  1,181
  1,254
  1,330
  1,410
  1,494
  1,581
  1,673
Net income, $m
  121
  213
  286
  363
  444
  529
  617
  710
  807
  907
  1,012
  1,280
  1,393
  1,511
  1,634
  1,762
  1,895
  2,034
  2,179
  2,331
  2,488
  2,653
  2,825
  3,005
  3,194
  3,391
  3,597
  3,813
  4,039
  4,276
  4,524

BALANCE SHEET

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Cash and short-term investments, $m
  215
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Total assets, $m
  4,781
  5,124
  5,708
  6,321
  6,965
  7,637
  8,339
  9,071
  9,833
  10,625
  11,448
  12,304
  13,193
  14,118
  15,078
  16,077
  17,116
  18,197
  19,322
  20,494
  21,716
  22,989
  24,317
  25,703
  27,150
  28,661
  30,240
  31,891
  33,617
  35,423
  37,312
Adjusted assets (=assets-cash), $m
  4,566
  5,124
  5,708
  6,321
  6,965
  7,637
  8,339
  9,071
  9,833
  10,625
  11,448
  12,304
  13,193
  14,118
  15,078
  16,077
  17,116
  18,197
  19,322
  20,494
  21,716
  22,989
  24,317
  25,703
  27,150
  28,661
  30,240
  31,891
  33,617
  35,423
  37,312
Revenue / Adjusted assets
  0.373
  0.373
  0.373
  0.373
  0.373
  0.373
  0.373
  0.373
  0.373
  0.373
  0.373
  0.373
  0.373
  0.373
  0.373
  0.373
  0.373
  0.373
  0.373
  0.373
  0.373
  0.373
  0.373
  0.373
  0.373
  0.373
  0.373
  0.373
  0.373
  0.373
  0.373
Average production assets, $m
  1,956
  2,192
  2,442
  2,705
  2,980
  3,267
  3,568
  3,881
  4,207
  4,546
  4,898
  5,264
  5,645
  6,040
  6,451
  6,878
  7,323
  7,785
  8,267
  8,768
  9,291
  9,835
  10,404
  10,996
  11,616
  12,262
  12,938
  13,644
  14,382
  15,155
  15,963
Working capital, $m
  177
  13
  15
  17
  18
  20
  22
  24
  26
  28
  30
  32
  34
  37
  39
  42
  45
  48
  50
  54
  57
  60
  63
  67
  71
  75
  79
  83
  88
  92
  97
Total debt, $m
  2,376
  2,740
  3,170
  3,623
  4,098
  4,594
  5,112
  5,652
  6,214
  6,799
  7,407
  8,038
  8,695
  9,377
  10,086
  10,823
  11,590
  12,387
  13,218
  14,083
  14,984
  15,924
  16,904
  17,927
  18,995
  20,110
  21,275
  22,493
  23,767
  25,100
  26,495
Total liabilities, $m
  3,418
  3,782
  4,212
  4,665
  5,140
  5,636
  6,154
  6,694
  7,256
  7,841
  8,449
  9,080
  9,737
  10,419
  11,128
  11,865
  12,632
  13,429
  14,260
  15,125
  16,026
  16,966
  17,946
  18,969
  20,037
  21,152
  22,317
  23,535
  24,809
  26,142
  27,537
Total equity, $m
  1,363
  1,343
  1,495
  1,656
  1,825
  2,001
  2,185
  2,377
  2,576
  2,784
  2,999
  3,224
  3,457
  3,699
  3,951
  4,212
  4,484
  4,768
  5,062
  5,370
  5,690
  6,023
  6,371
  6,734
  7,113
  7,509
  7,923
  8,355
  8,808
  9,281
  9,776
Total liabilities and equity, $m
  4,781
  5,125
  5,707
  6,321
  6,965
  7,637
  8,339
  9,071
  9,832
  10,625
  11,448
  12,304
  13,194
  14,118
  15,079
  16,077
  17,116
  18,197
  19,322
  20,495
  21,716
  22,989
  24,317
  25,703
  27,150
  28,661
  30,240
  31,890
  33,617
  35,423
  37,313
Debt-to-equity ratio
  1.743
  2.040
  2.120
  2.190
  2.250
  2.300
  2.340
  2.380
  2.410
  2.440
  2.470
  2.490
  2.520
  2.540
  2.550
  2.570
  2.580
  2.600
  2.610
  2.620
  2.630
  2.640
  2.650
  2.660
  2.670
  2.680
  2.690
  2.690
  2.700
  2.700
  2.710
Adjusted equity ratio
  0.251
  0.262
  0.262
  0.262
  0.262
  0.262
  0.262
  0.262
  0.262
  0.262
  0.262
  0.262
  0.262
  0.262
  0.262
  0.262
  0.262
  0.262
  0.262
  0.262
  0.262
  0.262
  0.262
  0.262
  0.262
  0.262
  0.262
  0.262
  0.262
  0.262
  0.262

CASH FLOW

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net income, $m
  121
  213
  286
  363
  444
  529
  617
  710
  807
  907
  1,012
  1,280
  1,393
  1,511
  1,634
  1,762
  1,895
  2,034
  2,179
  2,331
  2,488
  2,653
  2,825
  3,005
  3,194
  3,391
  3,597
  3,813
  4,039
  4,276
  4,524
Depreciation, amort., depletion, $m
  265
  362
  378
  395
  413
  432
  452
  473
  494
  516
  540
  346
  371
  397
  424
  453
  482
  512
  544
  577
  611
  647
  684
  723
  764
  807
  851
  898
  946
  997
  1,050
Funds from operations, $m
  376
  575
  664
  758
  857
  961
  1,069
  1,183
  1,301
  1,424
  1,552
  1,626
  1,764
  1,909
  2,059
  2,215
  2,377
  2,547
  2,723
  2,907
  3,100
  3,300
  3,510
  3,729
  3,958
  4,197
  4,448
  4,710
  4,985
  5,273
  5,574
Change in working capital, $m
  -14
  1
  2
  2
  2
  2
  2
  2
  2
  2
  2
  2
  2
  2
  3
  3
  3
  3
  3
  3
  3
  3
  3
  4
  4
  4
  4
  4
  5
  5
  5
Cash from operations, $m
  390
  573
  662
  757
  856
  959
  1,068
  1,181
  1,299
  1,422
  1,549
  1,624
  1,762
  1,906
  2,056
  2,212
  2,375
  2,544
  2,720
  2,904
  3,096
  3,297
  3,506
  3,725
  3,954
  4,193
  4,444
  4,706
  4,981
  5,268
  5,569
Maintenance CAPEX, $m
  0
  -129
  -144
  -161
  -178
  -196
  -215
  -235
  -255
  -277
  -299
  -322
  -346
  -371
  -397
  -424
  -453
  -482
  -512
  -544
  -577
  -611
  -647
  -684
  -723
  -764
  -807
  -851
  -898
  -946
  -997
New CAPEX, $m
  -124
  -236
  -250
  -263
  -275
  -288
  -300
  -313
  -326
  -339
  -352
  -366
  -380
  -395
  -411
  -427
  -444
  -462
  -481
  -501
  -523
  -545
  -568
  -593
  -619
  -647
  -676
  -706
  -739
  -773
  -808
Cash from investing activities, $m
  -496
  -365
  -394
  -424
  -453
  -484
  -515
  -548
  -581
  -616
  -651
  -688
  -726
  -766
  -808
  -851
  -897
  -944
  -993
  -1,045
  -1,100
  -1,156
  -1,215
  -1,277
  -1,342
  -1,411
  -1,483
  -1,557
  -1,637
  -1,719
  -1,805
Free cash flow, $m
  -106
  208
  268
  333
  402
  475
  552
  633
  718
  806
  898
  935
  1,035
  1,139
  1,248
  1,360
  1,478
  1,600
  1,727
  1,859
  1,997
  2,141
  2,291
  2,448
  2,612
  2,783
  2,962
  3,149
  3,344
  3,549
  3,764
Issuance/(repayment) of debt, $m
  156
  414
  431
  453
  475
  496
  518
  540
  562
  585
  608
  632
  656
  682
  709
  737
  767
  798
  830
  865
  901
  940
  980
  1,023
  1,068
  1,115
  1,165
  1,218
  1,274
  1,333
  1,395
Issuance/(repurchase) of shares, $m
  5
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Cash from financing (excl. dividends), $m  
  154
  414
  431
  453
  475
  496
  518
  540
  562
  585
  608
  632
  656
  682
  709
  737
  767
  798
  830
  865
  901
  940
  980
  1,023
  1,068
  1,115
  1,165
  1,218
  1,274
  1,333
  1,395
Total cash flow (excl. dividends), $m
  49
  622
  699
  786
  877
  972
  1,070
  1,173
  1,280
  1,390
  1,506
  1,567
  1,692
  1,821
  1,957
  2,097
  2,244
  2,397
  2,557
  2,724
  2,898
  3,081
  3,271
  3,471
  3,679
  3,898
  4,127
  4,367
  4,618
  4,882
  5,159
Retained Cash Flow (-), $m
  -132
  -145
  -153
  -161
  -169
  -176
  -184
  -192
  -200
  -208
  -216
  -224
  -233
  -242
  -252
  -262
  -272
  -283
  -295
  -307
  -320
  -334
  -348
  -363
  -379
  -396
  -414
  -432
  -452
  -473
  -495
Prev. year cash balance distribution, $m
 
  165
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Cash flow adjustment, $m
 
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
  0
Cash available for distribution, $m
 
  642
  546
  625
  709
  796
  887
  981
  1,080
  1,183
  1,290
  1,343
  1,459
  1,579
  1,705
  1,836
  1,972
  2,114
  2,262
  2,417
  2,578
  2,747
  2,923
  3,108
  3,300
  3,502
  3,713
  3,934
  4,166
  4,409
  4,663
Discount rate, %
 
  8.80
  9.24
  9.70
  10.19
  10.70
  11.23
  11.79
  12.38
  13.00
  13.65
  14.33
  15.05
  15.80
  16.59
  17.42
  18.29
  19.21
  20.17
  21.18
  22.24
  23.35
  24.52
  25.74
  27.03
  28.38
  29.80
  31.29
  32.85
  34.50
  36.22
PV of cash for distribution, $m
 
  590
  458
  474
  481
  479
  468
  450
  424
  394
  359
  308
  271
  234
  199
  165
  134
  107
  83
  63
  46
  33
  23
  16
  11
  7
  4
  3
  1
  1
  0
Current shareholders' claim on cash, %
  100
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0
  100.0

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, analytical services, and decisioning capabilities; and online data, marketing, and decision services. Its services are used 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 customers in the financial services, insurance, healthcare, and other industries. The International segment offers online data services, marketing services, 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 businesses and consumers in the United States, South Africa, Brazil, Canada, Hong Kong, and India, as well as other countries in Africa, Asia, and Latin America. 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 RATIOS  of  TransUnion (TRU)

Valuation Ratios
P/E Ratio 70.4
Price to Sales 5
Price to Book 6.2
Price to Tangible Book
Price to Cash Flow 21.8
Price to Free Cash Flow 32
Growth Rates
Sales Growth Rate 13.1%
Sales - 3 Yr. Growth Rate %
EPS Growth Rate %
EPS - 3 Yr. Growth Rate %
Capital Spending Gr. Rate -6.1%
Cap. Spend. - 3 Yr. Gr. Rate 8.6%
Financial Strength
Quick Ratio 4
Current Ratio 0
LT Debt to Equity 170.7%
Total Debt to Equity 174.3%
Interest Coverage 3
Management Effectiveness
Return On Assets 3.8%
Ret/ On Assets - 3 Yr. Avg. 4.6%
Return On Total Capital 3.4%
Ret/ On T. Cap. - 3 Yr. Avg. 1.1%
Return On Equity 9.3%
Return On Equity - 3 Yr. Avg. 2.6%
Asset Turnover 0.4
Profitability Ratios
Gross Margin 66%
Gross Margin - 3 Yr. Avg. 64.2%
EBITDA Margin 32.7%
EBITDA Margin - 3 Yr. Avg. 31.9%
Operating Margin 16.6%
Oper. Margin - 3 Yr. Avg. 13%
Pre-Tax Margin 12%
Pre-Tax Margin - 3 Yr. Avg. 4.6%
Net Profit Margin 7.1%
Net Profit Margin - 3 Yr. Avg. 2.2%
Effective Tax Rate 36.1%
Eff/ Tax Rate - 3 Yr. Avg. -6.5%
Payout Ratio 0%

TRU stock valuation input parameters

Revenue. Company's revenue (or sales) is always the starting point of any cash flow forecast. In the TRU stock intrinsic value calculation we used $1705 million for the last fiscal year's total revenue generated by TransUnion. The default revenue input number comes from 2016 income statement of TransUnion. You may change it if you feel that it should be adjusted for some unusual circumstances that are not expected to be repeated in the future or if you already know (from interim financial statements, for example) that this year's revenue is going to be quite different.

Revenue growth rate. Forecasted future revenue growth rate is the most important input parameter for the intrinsic value calculation. Unlike other input parameters that are reasonably expected to be in line with their historic averages or their historic trends, the revenue growth rate by and large is a wild card: nobody really knows what the company's revenue will be in the future. Of course, the level of unpredictability is different for different industries (utility companies being the most predictable and, thus, less risky).
    We use three input parameters to forecast the revenue growth rate in our TRU stock valuation model: a) initial revenue growth rate of 12.1% whose default value is the revenue growth rate in the most recent quarter compared to the quarterly revenue a year ago; b) terminal revenue growth rate of 5% whose default value is chosen to be close to the average nominal (i.e. not adjusted for inflation) GDP growth rate; and c) revenue decline factor of 0.9, which stipulates that revenue growth rate in each forecasted year will be equal to the difference of the revenue growth rate in the preceding year and the terminal revenue growth rate multiplied by this revenue decline factor (with the passage of time the revenue growth rate will be approaching the terminal revenue growth rate, but not quite reaching it - though the difference could be infinitesimally small).
    At the revenue decline factor of 1, the future revenue growth rate is forecasted to be constant and equal to the initial revenue growth rate. The smaller the revenue decline factor, the faster the revenue growth rate will approach the terminal revenue growth.

Discount rate. The discount rate is used for determining the present value of future cash flows: future cash flows are "discounted" as at normal conditions (that translate into positive expected return on investment) one dollar today is worth more than the same dollar in the future. Unlike all other valuation models, we use variable discount rate, i.e. it increases for each consecutive year. This is done to account for higher risk of cash flows coming in further in the future.
    The initial discount rate of 8.8%, whose default value for TRU is calculated based on our internal credit rating of TransUnion, is applied to the cash flow expected to be received a year from now (well, actually, to be precise, in the financial year following the base year - the last year for which we have financial statements). For each consecutive year the discount rate is multiplied by the discount rate multiplier of 1.05, e.i. each year it increases by 5%. Feel free to change this number to correspond to your level of risk assessment of TransUnion.
    By the way, it is easy to set the discount rate to be constant (this would make comparison with other valuation models easier): just set the discount rate multiplier equal to 1 and chose the magnitude of the initial discount rate to your liking.

Variable cost ratio is the ratio of variable costs (i.e. costs that fluctuate with fluctuation of the volume of production) to the revenue expressed as a percentage. In the calculation of intrinsic value of TRU stock the variable cost ratio is equal to 53.5%.

Fixed operating expenses is just that - expenses that are not dependant on the volume of production. They are set to $522 million in the base year in the intrinsic value calculation for TRU stock. These expenses increase with the level of inflation in subsequent years.

Interest rate on debt is the average all-in rate of interest paid by the company on its debt. It is set at 3.8% for TransUnion.

Corporate tax rate of 27% is the nominal tax rate for TransUnion. In reality, companies find ways to pay much less taxes than that or not to pay them at all.

Cash flow adjustment could be used for any adjustment the investor deems necessary. Most commonly we use this field to account for stock options-related effects in excess of what is reported on the company's income statement. The cash flow adjustment is expressed as a percentage of the revenue, and in the current valuation of the TRU stock is equal to 0%.

Production assets are the company's assets used for manufacturing products or provision of services. In the valuation model input table they are expressed as a percentage of revenue and for TRU are equal to 114.7%.

Life of production assets of 15.2 years is the average useful life of capital assets used in TransUnion operations. It is used to calculate yearly capital expenditures needed to keep these assets in good order - we call it the maintenance CAPEX.

Working capital is the difference between the company's current assets and liabilities. In the model we use the ratio of working capital to revenue, which for TRU is equal to 0.7%. A negative number means that the company is apt at using financial resources of its suppliers and customers; a large positive number, on the other hand, means that it either provides in-kind financing to others or is not good at managing its inventories.

Book value of equity - $1363 million for TransUnion - is used in calculation of the "floor" for intrinsic valuation based on the discounted cash flow (DCF) method. Even if the prospects are very bad for a company, its assets could always be sold now for their current fair market value.

Shares outstanding of 184.591 million for TransUnion is needed to calculate the intrinsic value of one share.

Market capitalization is used here only for reference purposes and as a quick check that the share price and the number of shares outstanding numbers are correct - something especially to be cognizant about at stock splits. So, the market capitalization of TransUnion at the current share price and the inputted number of shares is $8.6 billion.

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COMPANY NEWS

▶ Start of a New Trend? Pullback in Subprime Loans Observed   [Aug-16-17 06:00AM  GlobeNewswire]
▶ TransUnion tops Street 2Q forecasts   [Jul-25-17 09:56PM  Associated Press]
▶ Chipotle, IBM Divide Analysts; 2 IBD 50 Stocks Targeted   [Jul-19-17 04:34PM  Investor's Business Daily]
▶ Report Card: The State of Generation Zs Finances   [Jun-28-17 09:00AM  GlobeNewswire]
▶ Stocks To Buy And Watch: Top IPOs, Big And Small Caps, Growth Stocks   [Jun-17-17 01:33PM  Investor's Business Daily]
▶ Why your credit cards shouldn't retire when you do   [Jun-08-17 10:17AM  Associated Press]
▶ TransUnion and Equifax Launch Multi-Bureau Lock   [Jun-07-17 08:00AM  GlobeNewswire]
▶ 3 Simple Steps To Boost Your Credit Score   [May-23-17 11:24AM  Forbes]
▶ Two Minute Money: Combating Credit Card Fraud   [May-22-17 10:20AM  Yahoo Finance Video]
▶ This is one reason why the rich will get richer   [May-17-17 03:50PM  MarketWatch]
▶ Americans might be paying their debts backward   [11:04AM  Business Insider]
▶ Fix My Finances: Recovering From Chapter 7 Bankruptcy   [May-15-17 11:49AM  Yahoo Finance Video]
▶ ETFs with exposure to TransUnion : April 28, 2017   [Apr-28-17 04:20PM  Capital Cube]
▶ Dow Sticky Near 21,000; Will These 7 IPO Stocks Delight Traders In 2017?   [Apr-27-17 03:25PM  Investor's Business Daily]
▶ Which Companies Are Now Outperforming 95% Of All Stocks?   [11:13AM  Investor's Business Daily]
▶ TransUnion Sees Its Composite Rating Rise To 96   [11:04AM  Investor's Business Daily]
▶ TransUnion beats Street 1Q forecasts   [07:08AM  Associated Press]
▶ [$$] How Goldman Sachs Made More Than $1 Billion With Your Credit Score   [Apr-10-17 12:08AM  The Wall Street Journal]
▶ [$$] How Goldman Sachs Made More Than $1 Billion With Your Credit Score   [Apr-09-17 07:39PM  The Wall Street Journal]
▶ The Fed Is Walking a Tightrope Trying to Fight Stagflation   [Mar-16-17 09:00AM  TheStreet.com]
▶ [$$] One million US consumers behind on car loan payments   [Feb-16-17 05:12PM  at Financial Times]
Stock chart of TRU Financial statements of TRU
Valuation of Stocks

The paper VALUATION OF STOCKS: The Quest for Intrinsic Value provides a detailed description of our valuation model and discloses the calculation algorithm.

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