Intrinsic value of TransUnion - TRU

Previous Close

$60.47

  Intrinsic Value

$87.40

stock screener

  Rating & Target

buy

+45%

Previous close

$60.47

 
Intrinsic value

$87.40

 
Up/down potential

+45%

 
Rating

buy

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 0001), $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 11.2

 

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year
   2
   3
   4
   5
   6
   7
   8
   9
   10
   11
   12
   13
   14
   15
   16
   17
   18
   19
   20
   21
   22
   23
   24
   25
   26
   27
   28
   29
   30
   31

INCOME STATEMENT

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Revenue growth rate, %
  18.60
  17.24
  16.02
  14.91
  13.92
  13.03
  12.23
  11.50
  10.85
  10.27
  9.74
  9.27
  8.84
  8.46
  8.11
  7.80
  7.52
  7.27
  7.04
  6.84
  6.65
  6.49
  6.34
  6.21
  6.08
  5.98
  5.88
  5.79
  5.71
  5.64
Revenue, $m
  2,293
  2,689
  3,120
  3,585
  4,084
  4,616
  5,180
  5,777
  6,404
  7,061
  7,749
  8,467
  9,216
  9,995
  10,806
  11,649
  12,525
  13,435
  14,381
  15,364
  16,386
  17,450
  18,556
  19,707
  20,906
  22,156
  23,458
  24,817
  26,234
  27,714
Variable operating expenses, $m
  569
  594
  623
  653
  685
  720
  757
  795
  836
  879
  504
  551
  600
  651
  703
  758
  815
  874
  936
  1,000
  1,067
  1,136
  1,208
  1,283
  1,361
  1,442
  1,527
  1,615
  1,708
  1,804
Fixed operating expenses, $m
  964
  985
  1,007
  1,029
  1,051
  1,075
  1,098
  1,122
  1,147
  1,172
  1,198
  1,224
  1,251
  1,279
  1,307
  1,336
  1,365
  1,395
  1,426
  1,457
  1,489
  1,522
  1,556
  1,590
  1,625
  1,660
  1,697
  1,734
  1,773
  1,812
Total operating expenses, $m
  1,533
  1,579
  1,630
  1,682
  1,736
  1,795
  1,855
  1,917
  1,983
  2,051
  1,702
  1,775
  1,851
  1,930
  2,010
  2,094
  2,180
  2,269
  2,362
  2,457
  2,556
  2,658
  2,764
  2,873
  2,986
  3,102
  3,224
  3,349
  3,481
  3,616
Operating income, $m
  761
  1,109
  1,490
  1,903
  2,347
  2,822
  3,326
  3,859
  4,420
  5,010
  6,047
  6,692
  7,365
  8,066
  8,795
  9,555
  10,344
  11,165
  12,019
  12,907
  13,831
  14,792
  15,792
  16,835
  17,921
  19,053
  20,234
  21,467
  22,754
  24,099
EBITDA, $m
  1,328
  1,702
  2,111
  2,554
  3,030
  3,538
  4,079
  4,650
  5,252
  5,884
  6,546
  7,237
  7,958
  8,709
  9,491
  10,305
  11,151
  12,031
  12,945
  13,897
  14,886
  15,916
  16,988
  18,104
  19,268
  20,480
  21,745
  23,066
  24,444
  25,884
Interest expense (income), $m
  88
  133
  167
  204
  245
  289
  336
  387
  440
  496
  556
  618
  683
  751
  822
  895
  972
  1,052
  1,135
  1,221
  1,310
  1,403
  1,500
  1,600
  1,705
  1,814
  1,927
  2,045
  2,169
  2,297
  2,431
Earnings before tax, $m
  628
  943
  1,286
  1,658
  2,058
  2,485
  2,939
  3,419
  3,924
  4,454
  5,429
  6,009
  6,614
  7,244
  7,900
  8,583
  9,293
  10,031
  10,798
  11,597
  12,428
  13,292
  14,192
  15,130
  16,107
  17,126
  18,189
  19,299
  20,457
  21,668
Tax expense, $m
  170
  254
  347
  448
  556
  671
  794
  923
  1,059
  1,203
  1,466
  1,622
  1,786
  1,956
  2,133
  2,317
  2,509
  2,708
  2,916
  3,131
  3,355
  3,589
  3,832
  4,085
  4,349
  4,624
  4,911
  5,211
  5,523
  5,850
Net income, $m
  458
  688
  939
  1,210
  1,502
  1,814
  2,146
  2,496
  2,864
  3,252
  3,963
  4,386
  4,828
  5,288
  5,767
  6,265
  6,784
  7,322
  7,883
  8,466
  9,072
  9,703
  10,360
  11,045
  11,758
  12,502
  13,278
  14,088
  14,934
  15,817

BALANCE SHEET

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Cash and short-term investments, $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
Total assets, $m
  6,067
  7,113
  8,253
  9,484
  10,804
  12,212
  13,705
  15,282
  16,941
  18,680
  20,500
  22,400
  24,380
  26,442
  28,587
  30,817
  33,134
  35,542
  38,045
  40,646
  43,350
  46,163
  49,089
  52,136
  55,308
  58,613
  62,059
  65,653
  69,403
  73,318
Adjusted assets (=assets-cash), $m
  6,067
  7,113
  8,253
  9,484
  10,804
  12,212
  13,705
  15,282
  16,941
  18,680
  20,500
  22,400
  24,380
  26,442
  28,587
  30,817
  33,134
  35,542
  38,045
  40,646
  43,350
  46,163
  49,089
  52,136
  55,308
  58,613
  62,059
  65,653
  69,403
  73,318
Revenue / Adjusted assets
  0.378
  0.378
  0.378
  0.378
  0.378
  0.378
  0.378
  0.378
  0.378
  0.378
  0.378
  0.378
  0.378
  0.378
  0.378
  0.378
  0.378
  0.378
  0.378
  0.378
  0.378
  0.378
  0.378
  0.378
  0.378
  0.378
  0.378
  0.378
  0.378
  0.378
Average production assets, $m
  2,644
  3,100
  3,597
  4,133
  4,709
  5,322
  5,973
  6,660
  7,383
  8,141
  8,935
  9,763
  10,626
  11,524
  12,459
  13,431
  14,441
  15,491
  16,581
  17,715
  18,894
  20,119
  21,395
  22,722
  24,105
  25,546
  27,047
  28,614
  30,248
  31,954
Working capital, $m
  158
  186
  215
  247
  282
  319
  357
  399
  442
  487
  535
  584
  636
  690
  746
  804
  864
  927
  992
  1,060
  1,131
  1,204
  1,280
  1,360
  1,443
  1,529
  1,619
  1,712
  1,810
  1,912
Total debt, $m
  3,091
  3,784
  4,538
  5,353
  6,227
  7,159
  8,148
  9,191
  10,289
  11,441
  12,646
  13,903
  15,214
  16,579
  17,999
  19,475
  21,010
  22,604
  24,261
  25,983
  27,773
  29,635
  31,572
  33,589
  35,689
  37,877
  40,158
  42,537
  45,019
  47,611
Total liabilities, $m
  4,017
  4,709
  5,463
  6,278
  7,152
  8,084
  9,073
  10,117
  11,215
  12,366
  13,571
  14,829
  16,140
  17,505
  18,924
  20,401
  21,935
  23,529
  25,186
  26,908
  28,698
  30,560
  32,497
  34,514
  36,614
  38,802
  41,083
  43,462
  45,945
  48,536
Total equity, $m
  2,051
  2,404
  2,789
  3,205
  3,652
  4,128
  4,632
  5,165
  5,726
  6,314
  6,929
  7,571
  8,241
  8,937
  9,662
  10,416
  11,199
  12,013
  12,859
  13,738
  14,652
  15,603
  16,592
  17,622
  18,694
  19,811
  20,976
  22,191
  23,458
  24,781
Total liabilities and equity, $m
  6,068
  7,113
  8,252
  9,483
  10,804
  12,212
  13,705
  15,282
  16,941
  18,680
  20,500
  22,400
  24,381
  26,442
  28,586
  30,817
  33,134
  35,542
  38,045
  40,646
  43,350
  46,163
  49,089
  52,136
  55,308
  58,613
  62,059
  65,653
  69,403
  73,317
Debt-to-equity ratio
  1.510
  1.570
  1.630
  1.670
  1.710
  1.730
  1.760
  1.780
  1.800
  1.810
  1.830
  1.840
  1.850
  1.860
  1.860
  1.870
  1.880
  1.880
  1.890
  1.890
  1.900
  1.900
  1.900
  1.910
  1.910
  1.910
  1.910
  1.920
  1.920
  1.920
Adjusted equity ratio
  0.338
  0.338
  0.338
  0.338
  0.338
  0.338
  0.338
  0.338
  0.338
  0.338
  0.338
  0.338
  0.338
  0.338
  0.338
  0.338
  0.338
  0.338
  0.338
  0.338
  0.338
  0.338
  0.338
  0.338
  0.338
  0.338
  0.338
  0.338
  0.338
  0.338

CASH FLOW

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net income, $m
  458
  688
  939
  1,210
  1,502
  1,814
  2,146
  2,496
  2,864
  3,252
  3,963
  4,386
  4,828
  5,288
  5,767
  6,265
  6,784
  7,322
  7,883
  8,466
  9,072
  9,703
  10,360
  11,045
  11,758
  12,502
  13,278
  14,088
  14,934
  15,817
Depreciation, amort., depletion, $m
  567
  593
  620
  650
  683
  717
  753
  792
  832
  874
  499
  545
  594
  644
  696
  750
  807
  865
  926
  990
  1,056
  1,124
  1,195
  1,269
  1,347
  1,427
  1,511
  1,599
  1,690
  1,785
Funds from operations, $m
  1,026
  1,281
  1,559
  1,861
  2,185
  2,531
  2,899
  3,287
  3,696
  4,126
  4,462
  4,932
  5,422
  5,932
  6,463
  7,016
  7,590
  8,188
  8,809
  9,455
  10,128
  10,827
  11,556
  12,314
  13,105
  13,929
  14,789
  15,686
  16,624
  17,602
Change in working capital, $m
  25
  27
  30
  32
  34
  37
  39
  41
  43
  45
  47
  50
  52
  54
  56
  58
  60
  63
  65
  68
  71
  73
  76
  79
  83
  86
  90
  94
  98
  102
Cash from operations, $m
  1,001
  1,253
  1,530
  1,829
  2,151
  2,494
  2,860
  3,246
  3,653
  4,080
  4,415
  4,882
  5,370
  5,878
  6,407
  6,958
  7,530
  8,125
  8,744
  9,388
  10,057
  10,754
  11,479
  12,235
  13,022
  13,843
  14,699
  15,593
  16,526
  17,500
Maintenance CAPEX, $m
  -125
  -148
  -173
  -201
  -231
  -263
  -297
  -334
  -372
  -412
  -455
  -499
  -545
  -594
  -644
  -696
  -750
  -807
  -865
  -926
  -990
  -1,056
  -1,124
  -1,195
  -1,269
  -1,347
  -1,427
  -1,511
  -1,599
  -1,690
New CAPEX, $m
  -414
  -456
  -497
  -536
  -575
  -614
  -651
  -687
  -723
  -758
  -793
  -828
  -863
  -899
  -935
  -972
  -1,010
  -1,050
  -1,091
  -1,134
  -1,179
  -1,226
  -1,275
  -1,328
  -1,383
  -1,441
  -1,502
  -1,566
  -1,634
  -1,706
Cash from investing activities, $m
  -539
  -604
  -670
  -737
  -806
  -877
  -948
  -1,021
  -1,095
  -1,170
  -1,248
  -1,327
  -1,408
  -1,493
  -1,579
  -1,668
  -1,760
  -1,857
  -1,956
  -2,060
  -2,169
  -2,282
  -2,399
  -2,523
  -2,652
  -2,788
  -2,929
  -3,077
  -3,233
  -3,396
Free cash flow, $m
  462
  650
  860
  1,091
  1,344
  1,618
  1,912
  2,225
  2,558
  2,910
  3,167
  3,555
  3,961
  4,386
  4,829
  5,290
  5,770
  6,269
  6,788
  7,328
  7,889
  8,472
  9,080
  9,712
  10,370
  11,056
  11,770
  12,515
  13,293
  14,104
Issuance/(repayment) of debt, $m
  627
  692
  754
  815
  874
  932
  989
  1,044
  1,098
  1,152
  1,205
  1,258
  1,311
  1,365
  1,420
  1,476
  1,534
  1,594
  1,657
  1,722
  1,790
  1,862
  1,937
  2,017
  2,100
  2,188
  2,281
  2,379
  2,482
  2,592
Issuance/(repurchase) of shares, $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 from financing (excl. dividends), $m  
  627
  692
  754
  815
  874
  932
  989
  1,044
  1,098
  1,152
  1,205
  1,258
  1,311
  1,365
  1,420
  1,476
  1,534
  1,594
  1,657
  1,722
  1,790
  1,862
  1,937
  2,017
  2,100
  2,188
  2,281
  2,379
  2,482
  2,592
Total cash flow (excl. dividends), $m
  1,089
  1,342
  1,614
  1,906
  2,218
  2,550
  2,900
  3,269
  3,656
  4,061
  4,371
  4,813
  5,272
  5,751
  6,248
  6,766
  7,304
  7,863
  8,445
  9,049
  9,679
  10,334
  11,017
  11,728
  12,470
  13,244
  14,051
  14,895
  15,775
  16,696
Retained Cash Flow (-), $m
  -322
  -354
  -385
  -416
  -446
  -476
  -505
  -533
  -561
  -588
  -615
  -642
  -669
  -697
  -725
  -754
  -783
  -814
  -846
  -879
  -914
  -951
  -989
  -1,030
  -1,072
  -1,117
  -1,165
  -1,215
  -1,267
  -1,323
Prev. year cash balance distribution, $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 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
  767
  989
  1,229
  1,490
  1,772
  2,074
  2,395
  2,736
  3,096
  3,473
  3,756
  4,171
  4,603
  5,054
  5,524
  6,012
  6,520
  7,049
  7,599
  8,170
  8,765
  9,384
  10,028
  10,699
  11,398
  12,127
  12,887
  13,680
  14,508
  15,373
Discount rate, %
  8.20
  8.61
  9.04
  9.49
  9.97
  10.47
  10.99
  11.54
  12.12
  12.72
  13.36
  14.02
  14.73
  15.46
  16.24
  17.05
  17.90
  18.79
  19.73
  20.72
  21.76
  22.84
  23.99
  25.19
  26.45
  27.77
  29.16
  30.61
  32.15
  33.75
PV of cash for distribution, $m
  709
  838
  948
  1,037
  1,102
  1,141
  1,155
  1,142
  1,106
  1,049
  946
  863
  772
  675
  578
  484
  397
  318
  248
  189
  140
  102
  71
  49
  32
  21
  13
  8
  4
  2
Current shareholders' claim on cash, %
  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 is a risk and information solutions provider to businesses and consumers. The Company provides consumer reports, risk scores, analytical services and decision capabilities to businesses. The Company operates through three segments: U.S. Information Services (USIS), International and Consumer Interactive. The USIS segment provides consumer reports, risk scores, analytical services and decisioning capabilities to businesses. The International segment provides services similar to its USIS segment to businesses in select regions outside the United States. The Consumer Interactive segment offers solutions that help consumers manage their personal finances and take precautions against identity theft. Businesses uses its solutions for their process workflows to assess consumer ability to pay for services, measure and manage debt portfolio risk, collect debt, verify consumer identities and investigate potential fraud.

FINANCIAL RATIOS  of  TransUnion (TRU)

Valuation Ratios
P/E Ratio 91.6
Price to Sales 6.5
Price to Book 8.1
Price to Tangible Book
Price to Cash Flow 28.4
Price to Free Cash Flow 41.6
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 $1933.8 million for the last fiscal year's total revenue generated by TransUnion. The default revenue input number comes from 0001 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 18.6% 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 8.2%, 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 28.2%.

Fixed operating expenses is just that - expenses that are not dependant on the volume of production. They are set to $943 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 5.4% 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 115.3%.

Life of production assets of 17.9 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 6.9%. 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 - $1728.7 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 184.7 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 $11.2 billion.

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COMPANY NEWS

▶ Credit bureau TransUnion CEO to retire in May 2019   [Nov-14-18 07:27AM  Reuters]
▶ Heres What TransUnions (NYSE:TRU) P/E Is Telling Us   [Nov-01-18 12:20PM  Simply Wall St.]
▶ Stocks Pare Big Losses After Indexes Undercut Lows   [Oct-23-18 02:57PM  Investor's Business Daily]
▶ TransUnion: 3Q Earnings Snapshot   [07:23AM  Associated Press]
▶ TransUnion Q3 Earnings Preview   [Oct-22-18 03:19PM  Benzinga]
▶ Home Equity Borrowing Poised to Soar   [06:00AM  GlobeNewswire]
▶ Freeze Your Credit in 3 Steps   [Oct-16-18 06:12PM  Kiplinger]
▶ TransUnion Trade Offers Insight Into Poor Breakout Action   [Oct-09-18 01:10PM  Investor's Business Daily]
▶ Trius Provides General Update   [Oct-05-18 05:14PM  GlobeNewswire]
▶ Credit Bureaus' Wide Moats Can't Be Breached   [Aug-24-18 07:00AM  Morningstar]
▶ TransUnion: 2Q Earnings Snapshot   [07:27AM  Associated Press]
▶ Earnings Preview: TransUnion   [Jul-23-18 04:28PM  Benzinga]
▶ TransUnion Completes Acquisition of iovation   [Jul-02-18 06:50AM  GlobeNewswire]
▶ TransUnion Completes Acquisition of Callcredit   [Jun-19-18 04:35PM  GlobeNewswire]
▶ Credit Rebound Observed in Canadian Oil Regions   [Jun-13-18 06:00AM  GlobeNewswire]

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