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TRU US​
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  • Home
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  • Get the full experience

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TRU US​
HomeStock ScreenerDocument SearchChartingWatchlistsRecent Filings

TransUnion(TRU US)

$81.07+0.100.12%Ext:$78.78-2.292.83%(After Hours · 23:15:10 UTC)
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Doc SearchProfileEntity StructureFinancialsChartingShort InterestEmployees

Overview

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Documents

SEC Filings

TransUnion(TRU US)

$81.07+0.100.12%Ext:$78.78-2.292.83%(After Hours · 23:15:10 UTC)
Ask AI
Doc SearchProfileEntity StructureFinancialsChartingShort InterestEmployees

Overview

ProfileEntity Structure

Documents

SEC Filings

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FinancialsChartingShort InterestEmployees

Financials & Metrics

FinancialsChartingShort InterestEmployees

TransUnion — Company Profile

TransUnion operates as a global consumer credit reporting agency that provides risk and information solutions. The company operates in two segments, U.S. Markets and International. The U.S. Markets segment provides credit reporting, credit marketing, analytics and consulting, identity verification, and authentication and debt recovery solutions for financial services industry; and onboarding and transaction processing products, scoring and analytic products, marketing solutions, fraud and identity management solutions, and customer retention solutions, as well select market-specific solutions for insurance, technology, retail and e-commerce, telecommunications, media, tenant and employment screening, collections, and public sectors. It also offers credit reports, scores, and freezes credit monitoring, identity protection and resolution, and financial management for consumers, as well as helps businesses respond to data breach events through its own websites, as well as channels. The International segment offers credit reports, analytics, technology solutions, and other value-added risk management services; consumer services, which helps consumers to manage their personal finances; credit bureaus; and consumer and business credit reporting, insurance and auto information solutions, and commercial credit information services. This segment serves customers in financial services, retail credit, insurance, automotive, collections, public sector, and communications industries through direct and indirect channels. 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.

Sector
Industrials
Industry
Specialty Business Services
Exchange
UN
CEO
Christopher A. Cartwright
Headquarters
Chicago, IL, US
IPO Date
Jun 25, 2015
Employees
13,500
Website
www.transunion.com

Key Metrics

Price
$63.44
Market Cap
$12.16B
Revenue (TTM)
$1.25B
Net Income (TTM)
$397.20M
EPS (TTM)
2.06
P/E (TTM)
17.25
P/B (TTM)
2.56
Dividend Yield
67.76%
ROE (TTM)
8.36%
ROA (TTM)
3.30%
Operating Margin
19.65%
Beta
0.65

Dividends

Last Dividend
$0.13
Last Yield
0.68%

Summary

TransUnion operates as a global consumer credit reporting agency that provides risk and information solutions. The company operates in two segments, U.S. Markets and International. The U.S. Markets segment provides credit reporting, credit marketing, analytics and consulting, identity verification, and authentication and debt recovery solutions for financial services industry; and onboarding and transaction processing products, scoring and analytic products, marketing solutions, fraud and identity management solutions, and customer retention solutions, as well select market-specific solutions for insurance, technology, retail and e-commerce, telecommunications, media, tenant and employment screening, collections, and public sectors. It also offers credit reports, scores, and freezes credit monitoring, identity protection and resolution, and financial management for consumers, as well as helps businesses respond to data breach events through its own websites, as well as channels. The International segment offers credit reports, analytics, technology solutions, and other value-added risk management services; consumer services, which helps consumers to manage their personal finances; credit bureaus; and consumer and business credit reporting, insurance and auto information solutions, and commercial credit information services. This segment serves customers in financial services, retail credit, insurance, automotive, collections, public sector, and communications industries through direct and indirect channels. 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.

Website
www.transunion.com
Location
Chicago, IL, US
Phone312 985 2000
Employees13,500
CEOChristopher A. Cartwright
Sector
Industrials
IndustrySpecialty Business Services
IPO DateJun 25, 2015

Ask AI

Company overview
Business model, segments, and competition.
Peer comparison
Metrics vs closest competitors.
Guidance & outlook
Forward guidance and assumptions.
Bull vs bear case
Upside drivers and key risks.
Valuation snapshot
Multiples vs history and peers.
Competitive moat
Defensibility and market position.
Management track record
Leadership and capital allocation history.
How it makes money
A short diagram of the business model.

Latest Documents

SEC Filings(1.3K)

Expand
  • SC 13G/ATransUnion11:43AM
  • SC 13GTransUnion08:29AM
  • SC 13G/ATransUnion12 Nov
  • Form 4RUSSELL HEATHER J10 Nov
  • Form 4Achanta Venkat10 Nov
  • Form 144Achanta Venkat6 Nov
  • Form 144RUSSELL HEATHER J6 Nov
  • 8-KDeparture of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers5 Nov
  • Form 4Skinner Todd C.3 Nov
  • Form 4CHAOUKI STEVEN M3 Nov
  • Form 144Skinner Todd C.2 Nov
  • Form 144CHAOUKI STEVEN M2 Nov
  • 10-QQ3ended 30 Sept 202627 Oct
  • 8-KResults of Operations and Financial Condition27 Oct
  • Form 4Abdelsadek Mohamed19 Oct
  • Form 4CHAOUKI STEVEN M16 Oct
  • Form 144Abdelsadek Mohamed16 Oct
  • Form 144Abdelsadek Mohamed15 Oct
  • Form 144CHAOUKI STEVEN M15 Oct
  • Form 4Skinner Todd C.2 Oct

News

  • Here's Why TransUnion (TRU) is a Strong Momentum Stock10:51AM
  • TransUnion to Present at 2026 J.P. Morgan Ultimate Services Investor Conference12 Nov
  • ‘You Get Screwed by Those People’: Ramsey Torches Affirm the Morning After Its Record $14.4 Billion Quarter10 Nov
  • CenterBook Partners LP Makes New Investment in TransUnion $TRU10 Nov
  • Snappt and TransUnion SmartMove Team Up to Provide Income Verification for Independent Property Owners9 Nov
  • TransUnion Appoints David Gilbert as Interim Chief Financial Officer5 Nov
  • Her Credit Reports Are Free Every Week From All Three Bureaus, Not Once a Year. Checking Them Often Can Catch Fraud Sooner5 Nov
  • FICO Just Stopped Giving Guidance as It Rewrites Mortgage Pricing5 Nov
  • Credit Access Expands as Lenders Pair Growth with More Strategic Risk Management5 Nov
  • Americans Are Turning to Buy Now, Pay Later for the Holidays, and Trouble Paying Is Already Brewing4 Nov
  • TransUnion: 3 Key Takeaways for Long-Term Investors3 Nov
  • Dividend Announcements: October 24-30, 2026 (Part 2 Of 2)3 Nov
  • TransUnion Stock Barely Moves Since Posting Q3 Earnings & Revenue Beat3 Nov
  • Why TransUnion (TRU) is a Top Value Stock for the Long-Term3 Nov
  • TransUnion Named One of TIME's America's Best Companies of 20263 Nov
  • Her Mother Has Dementia. She Can Freeze Her Mother’s Credit at All Three Bureaus, for Free, Before a Scammer Opens an Account in Her Name1 Nov
  • Her Father Died in March. Until She Tells the Credit Bureaus and Social Security, His Name Is an Open Door for Identity Thieves31 Oct
  • TransUnion $TRU Shares Newly Purchased by Evergreen Capital Management LLC31 Oct
  • Nearly Half of Canadians Report Being Targeted by Digital Fraud as Scammers Exploit Familiar Communications and Accounts28 Oct
  • TransUnion (TRU) Reports Q3 Earnings: What Key Metrics Have to Say27 Oct

Mentions in Filings

  • … state Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and <strong>Transunion</strong> if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.
    Loan Funding Structure VIII LLCTransUnion·EX-99.1 - ABS-15G - SCHEDULE 1 - NARRATIVE·Q4 26·02:15PM
  • … Credit Report:** AMC will verify (a) a credit report is present for each borrower, (b) note and research the Real Estate Owned and fraud alerts, (c) and gather data including (i) representative FICO, (ii) scores from Equifax, Experian, and <strong>Transunion</strong> (if available), (iii) verify that the public records listed are disclosed on the application and adequately explained and in compliance with guidelines, and (iv) the number and length of trade lines.
    Onslow Bay Funding LLCTransUnion·EX-99.01 - ABS-15G - AMC DILIGENCE, LLC ("AMC") NARRATIVE·Q4 26·01:20PM
  • … s listed on the credit report to be included in the debt to income ratio as appropriate, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and <strong>Transunion</strong> if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio. **Employment and Income:** Evolve determined whether …
    Onslow Bay Funding LLCTransUnion·EX-99.05 - ABS-15G - EVOLVE ("EVOLVE") NARRATIVE·Q4 26·01:20PM
  • … y Duration Years | Borrower 1 Ethnicity | Borrower 1 Race | Borrower 1 Race 2 | Borrower 1 Race 3 | Borrower 1 Race 4 | Borrower 1 Race 5 | Borrower 1 Equifax Credit Score | Borrower 1 Experian Credit Score | Borrower 1 <strong>Transunion</strong> Credit Score | Borrower 1 Total Income | Borrower 2 SSN | Borrower 2 Date Of Birth | Borrower 2 Age | Borrower 2 Occupation | Borrower 2 Years On Job | Borrower 2 Years In Field | Borrower 2 Self Employed | Borrower 2 F …
    Loan Funding Structure VIII LLCTransUnion·EX-99.2 - ABS-15G - SCHEDULE 8 - STANDARD UPLOAD·Q4 26·02:15PM
  • … eport Date | Borrower 3 Credit Report Date | Borrower 4 Credit Report Date | Qualifying Credit Score | Third Wage Earner Original FICO Equifax | Third Wage Earner Original FICO Experian | Third Wage Earner Original FICO <strong>Transunion</strong> | Fourth Wage Earner Original FICO Equifax | Fourth Wage Earner Original FICO Experian | Fourth Wage Earner Original FICO Transunion | Most Recent Co Borrower 2 FICO | Most Recent Co Borrower 3 FICO | Updated Credit Rep …
    Loan Funding Structure VIII LLCTransUnion·EX-99.3 - ABS-15G - SCHEDULE 5 - SUPPLEMENTAL DATA·Q4 26·02:15PM
  • … rian | 1 | 0.41% | | Borrower 2 Origination Equifax | 1 | 0.41% | | Borrower 1 Citizen | 1 | 0.41% | | Origination Date | 1 | 0.41% | | Qualifying LTV | 1 | 0.41% | | Citizen Types | 1 | 0.41% | | Borrower 2 Origination <strong>TransUnion</strong> | 1 | 0.41% | | Co Borrower First Name | 1 | 0.41% | | Months Reserves | 1 | 0.41% | | Co Borrower Last Name | 1 | 0.41% | | Loan Purpose | 1 | 0.41% | | Borrower 1 Origination Experian | 1 | 0.41% | | Qualifying Monthl …
    Onslow Bay Funding LLCTransUnion·EX-99.03 - ABS-15G - CONSOLIDATED ANALYTICS, INC. ("CA") NARRATIVE·Q4 26·01:20PM

Key Stats

Trading

Px/Chg 1D$63.44 / +2.03%
Avg Volume2.41M
Beta0.65
Mkt Cap12.16B
FD Mkt Cap16.26B

Float

Shrs Out/Float191.60M / 190.44M
Short Float0.05%
Days to Cover2.88
Stock Repurchased$32.80M

Current Valuation

EV17.27B
EV/EBITDA10.11
EV/Sales3.65
P/B2.56
P/S2.57
FCF Yield0.16%
ROE8.36%
ROA3.30%
Current Ratio1.93

Dividend

Cash$0.13
Yield67.76%
Yield (TTM)67.76%

Estimates

P/E17.25
Est P/E0.00
Est EPS1.11
Est PEG0.00

Valuation

Metric5Yr AvgApr '23Apr '24Apr '25Apr '26Oct '26
PRICE-BASED RATIOS
Price / Earnings40.4146.15-64.4252.81136.9030.60
Price / Sales6.393.313.473.5911.839.76
Price / Book Value3.102.953.313.563.122.56
Price / Free Cash Flow-2,303.70-12,289.2039.6929.0762.18639.74
ENTERPRISE VALUE METRICS
Enterprise Value18,229.517,609.218,352.219,652.318,265.617,268.3
Enterprise Value / Sales8.744.754.794.7015.5913.86
Enterprise Value / EBITDA27.6515.5427.5016.3251.9826.88
Enterprise Value / EBIT62.2928.68128.4329.4989.6235.23

Financials

Full Financials
Millions USD5Yr CAGR (%)Dec '21Dec '22Dec '23Dec '24Dec '25
INCOME STATEMENT
Revenue11.5%2,960.23,709.93,831.24,183.84,576.3
Gross Income8.7%1,937.92,324.82,313.92,510.52,704.3
EBITDA9.9%995.21,132.9667.31,204.11,453.6
EBIT9.2%618.2613.9142.9666.3878.8
Net Income-24.3%1,390.3266.3-206.2284.4455.4
EPS (Diluted)-24.6%7.191.40-1.071.452.32
BALANCE SHEET
Cash & ST Inv-17.5%1,845.5587.9478.9682.0856.3
Total Assets-3.2%12,635.011,666.311,105.110,984.811,112.9
Total Liabilities-6.6%8,628.87,396.96,999.66,666.06,567.5
Total Shareholder Equity3.2%3,908.14,169.94,008.24,217.04,439.2
CASH FLOW
Net Operating Cash Flow5.1%808.3297.2645.4832.5987.6
Cap Ex9.8%-224.2-298.2-310.7-315.8-326.0
Free Cash Flow3.2%584.1-1.0334.7516.7661.6

Enterprise Value Bridge

Millions USD13 Nov '26
Price (As of 13 Nov '26)81.58
Basic Shares191.60
Market Cap15,630.7
Diluted Shares192.60
Fully Diluted Shares Outstanding192.60
Fully Diluted Market Cap15,712.3
+Consolidated Debt5,525.5
−In-the-Money Convertible Debt—
+Capital Leases49.9
+Operating Leases—
−Cash & Equivalents-883.1
−Short-term Investments-0.4
+Total Preferred-
−In-the-Money Convertible Preferred—
−Investments in Unconsolidated Subs—
+Non-Controlling Interest151.0
+Pension Liabilities—
Enterprise Value20,424.1

Segment data

Revenue

by Products and services

  • U.s. Markets78%
  • International22%

Revenue

by Geography

  • U.s. Markets78%
  • International22%

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TransUnion — Company Profile

TransUnion operates as a global consumer credit reporting agency that provides risk and information solutions. The company operates in two segments, U.S. Markets and International. The U.S. Markets segment provides credit reporting, credit marketing, analytics and consulting, identity verification, and authentication and debt recovery solutions for financial services industry; and onboarding and transaction processing products, scoring and analytic products, marketing solutions, fraud and identity management solutions, and customer retention solutions, as well select market-specific solutions for insurance, technology, retail and e-commerce, telecommunications, media, tenant and employment screening, collections, and public sectors. It also offers credit reports, scores, and freezes credit monitoring, identity protection and resolution, and financial management for consumers, as well as helps businesses respond to data breach events through its own websites, as well as channels. The International segment offers credit reports, analytics, technology solutions, and other value-added risk management services; consumer services, which helps consumers to manage their personal finances; credit bureaus; and consumer and business credit reporting, insurance and auto information solutions, and commercial credit information services. This segment serves customers in financial services, retail credit, insurance, automotive, collections, public sector, and communications industries through direct and indirect channels. 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.

Sector
Industrials
Industry
Specialty Business Services
Exchange
UN
CEO
Christopher A. Cartwright
Headquarters
Chicago, IL, US
IPO Date
Jun 25, 2015
Employees
13,500
Website
www.transunion.com

Key Metrics

Price
$63.44
Market Cap
$12.16B
Revenue (TTM)
$1.25B
Net Income (TTM)
$397.20M
EPS (TTM)
2.06
P/E (TTM)
17.25
P/B (TTM)
2.56
Dividend Yield
67.76%
ROE (TTM)
8.36%
ROA (TTM)
3.30%
Operating Margin
19.65%
Beta
0.65

Dividends

Last Dividend
$0.13
Last Yield
0.68%

Summary

TransUnion operates as a global consumer credit reporting agency that provides risk and information solutions. The company operates in two segments, U.S. Markets and International. The U.S. Markets segment provides credit reporting, credit marketing, analytics and consulting, identity verification, and authentication and debt recovery solutions for financial services industry; and onboarding and transaction processing products, scoring and analytic products, marketing solutions, fraud and identity management solutions, and customer retention solutions, as well select market-specific solutions for insurance, technology, retail and e-commerce, telecommunications, media, tenant and employment screening, collections, and public sectors. It also offers credit reports, scores, and freezes credit monitoring, identity protection and resolution, and financial management for consumers, as well as helps businesses respond to data breach events through its own websites, as well as channels. The International segment offers credit reports, analytics, technology solutions, and other value-added risk management services; consumer services, which helps consumers to manage their personal finances; credit bureaus; and consumer and business credit reporting, insurance and auto information solutions, and commercial credit information services. This segment serves customers in financial services, retail credit, insurance, automotive, collections, public sector, and communications industries through direct and indirect channels. 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.

Website
www.transunion.com
Location
Chicago, IL, US
Phone312 985 2000
Employees13,500
CEOChristopher A. Cartwright
Sector
Industrials
IndustrySpecialty Business Services
IPO DateJun 25, 2015

Ask AI

Company overview
Business model, segments, and competition.
Peer comparison
Metrics vs closest competitors.
Guidance & outlook
Forward guidance and assumptions.
Bull vs bear case
Upside drivers and key risks.
Valuation snapshot
Multiples vs history and peers.
Competitive moat
Defensibility and market position.
Management track record
Leadership and capital allocation history.
How it makes money
A short diagram of the business model.

Latest Documents

SEC Filings(1.3K)

Expand
  • SC 13G/ATransUnion11:43AM
  • SC 13GTransUnion08:29AM
  • SC 13G/ATransUnion12 Nov
  • Form 4RUSSELL HEATHER J10 Nov
  • Form 4Achanta Venkat10 Nov
  • Form 144Achanta Venkat6 Nov
  • Form 144RUSSELL HEATHER J6 Nov
  • 8-KDeparture of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers5 Nov
  • Form 4Skinner Todd C.3 Nov
  • Form 4CHAOUKI STEVEN M3 Nov
  • Form 144Skinner Todd C.2 Nov
  • Form 144CHAOUKI STEVEN M2 Nov
  • 10-QQ3ended 30 Sept 202627 Oct
  • 8-KResults of Operations and Financial Condition27 Oct
  • Form 4Abdelsadek Mohamed19 Oct
  • Form 4CHAOUKI STEVEN M16 Oct
  • Form 144Abdelsadek Mohamed16 Oct
  • Form 144Abdelsadek Mohamed15 Oct
  • Form 144CHAOUKI STEVEN M15 Oct
  • Form 4Skinner Todd C.2 Oct

News

  • Here's Why TransUnion (TRU) is a Strong Momentum Stock10:51AM
  • TransUnion to Present at 2026 J.P. Morgan Ultimate Services Investor Conference12 Nov
  • ‘You Get Screwed by Those People’: Ramsey Torches Affirm the Morning After Its Record $14.4 Billion Quarter10 Nov
  • CenterBook Partners LP Makes New Investment in TransUnion $TRU10 Nov
  • Snappt and TransUnion SmartMove Team Up to Provide Income Verification for Independent Property Owners9 Nov
  • TransUnion Appoints David Gilbert as Interim Chief Financial Officer5 Nov
  • Her Credit Reports Are Free Every Week From All Three Bureaus, Not Once a Year. Checking Them Often Can Catch Fraud Sooner5 Nov
  • FICO Just Stopped Giving Guidance as It Rewrites Mortgage Pricing5 Nov
  • Credit Access Expands as Lenders Pair Growth with More Strategic Risk Management5 Nov
  • Americans Are Turning to Buy Now, Pay Later for the Holidays, and Trouble Paying Is Already Brewing4 Nov
  • TransUnion: 3 Key Takeaways for Long-Term Investors3 Nov
  • Dividend Announcements: October 24-30, 2026 (Part 2 Of 2)3 Nov
  • TransUnion Stock Barely Moves Since Posting Q3 Earnings & Revenue Beat3 Nov
  • Why TransUnion (TRU) is a Top Value Stock for the Long-Term3 Nov
  • TransUnion Named One of TIME's America's Best Companies of 20263 Nov
  • Her Mother Has Dementia. She Can Freeze Her Mother’s Credit at All Three Bureaus, for Free, Before a Scammer Opens an Account in Her Name1 Nov
  • Her Father Died in March. Until She Tells the Credit Bureaus and Social Security, His Name Is an Open Door for Identity Thieves31 Oct
  • TransUnion $TRU Shares Newly Purchased by Evergreen Capital Management LLC31 Oct
  • Nearly Half of Canadians Report Being Targeted by Digital Fraud as Scammers Exploit Familiar Communications and Accounts28 Oct
  • TransUnion (TRU) Reports Q3 Earnings: What Key Metrics Have to Say27 Oct

Mentions in Filings

  • … state Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and <strong>Transunion</strong> if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.
    Loan Funding Structure VIII LLCTransUnion·EX-99.1 - ABS-15G - SCHEDULE 1 - NARRATIVE·Q4 26·02:15PM
  • … Credit Report:** AMC will verify (a) a credit report is present for each borrower, (b) note and research the Real Estate Owned and fraud alerts, (c) and gather data including (i) representative FICO, (ii) scores from Equifax, Experian, and <strong>Transunion</strong> (if available), (iii) verify that the public records listed are disclosed on the application and adequately explained and in compliance with guidelines, and (iv) the number and length of trade lines.
    Onslow Bay Funding LLCTransUnion·EX-99.01 - ABS-15G - AMC DILIGENCE, LLC ("AMC") NARRATIVE·Q4 26·01:20PM
  • … s listed on the credit report to be included in the debt to income ratio as appropriate, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and <strong>Transunion</strong> if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio. **Employment and Income:** Evolve determined whether …
    Onslow Bay Funding LLCTransUnion·EX-99.05 - ABS-15G - EVOLVE ("EVOLVE") NARRATIVE·Q4 26·01:20PM
  • … y Duration Years | Borrower 1 Ethnicity | Borrower 1 Race | Borrower 1 Race 2 | Borrower 1 Race 3 | Borrower 1 Race 4 | Borrower 1 Race 5 | Borrower 1 Equifax Credit Score | Borrower 1 Experian Credit Score | Borrower 1 <strong>Transunion</strong> Credit Score | Borrower 1 Total Income | Borrower 2 SSN | Borrower 2 Date Of Birth | Borrower 2 Age | Borrower 2 Occupation | Borrower 2 Years On Job | Borrower 2 Years In Field | Borrower 2 Self Employed | Borrower 2 F …
    Loan Funding Structure VIII LLCTransUnion·EX-99.2 - ABS-15G - SCHEDULE 8 - STANDARD UPLOAD·Q4 26·02:15PM
  • … eport Date | Borrower 3 Credit Report Date | Borrower 4 Credit Report Date | Qualifying Credit Score | Third Wage Earner Original FICO Equifax | Third Wage Earner Original FICO Experian | Third Wage Earner Original FICO <strong>Transunion</strong> | Fourth Wage Earner Original FICO Equifax | Fourth Wage Earner Original FICO Experian | Fourth Wage Earner Original FICO Transunion | Most Recent Co Borrower 2 FICO | Most Recent Co Borrower 3 FICO | Updated Credit Rep …
    Loan Funding Structure VIII LLCTransUnion·EX-99.3 - ABS-15G - SCHEDULE 5 - SUPPLEMENTAL DATA·Q4 26·02:15PM
  • … rian | 1 | 0.41% | | Borrower 2 Origination Equifax | 1 | 0.41% | | Borrower 1 Citizen | 1 | 0.41% | | Origination Date | 1 | 0.41% | | Qualifying LTV | 1 | 0.41% | | Citizen Types | 1 | 0.41% | | Borrower 2 Origination <strong>TransUnion</strong> | 1 | 0.41% | | Co Borrower First Name | 1 | 0.41% | | Months Reserves | 1 | 0.41% | | Co Borrower Last Name | 1 | 0.41% | | Loan Purpose | 1 | 0.41% | | Borrower 1 Origination Experian | 1 | 0.41% | | Qualifying Monthl …
    Onslow Bay Funding LLCTransUnion·EX-99.03 - ABS-15G - CONSOLIDATED ANALYTICS, INC. ("CA") NARRATIVE·Q4 26·01:20PM

Key Stats

Trading

Px/Chg 1D$63.44 / +2.03%
Avg Volume2.41M
Beta0.65
Mkt Cap12.16B
FD Mkt Cap16.26B

Float

Shrs Out/Float191.60M / 190.44M
Short Float0.05%
Days to Cover2.88
Stock Repurchased$32.80M

Current Valuation

EV17.27B
EV/EBITDA10.11
EV/Sales3.65
P/B2.56
P/S2.57
FCF Yield0.16%
ROE8.36%
ROA3.30%
Current Ratio1.93

Dividend

Cash$0.13
Yield67.76%
Yield (TTM)67.76%

Estimates

P/E17.25
Est P/E0.00
Est EPS1.11
Est PEG0.00

Valuation

Metric5Yr AvgApr '23Apr '24Apr '25Apr '26Oct '26
PRICE-BASED RATIOS
Price / Earnings40.4146.15-64.4252.81136.9030.60
Price / Sales6.393.313.473.5911.839.76
Price / Book Value3.102.953.313.563.122.56
Price / Free Cash Flow-2,303.70-12,289.2039.6929.0762.18639.74
ENTERPRISE VALUE METRICS
Enterprise Value18,229.517,609.218,352.219,652.318,265.617,268.3
Enterprise Value / Sales8.744.754.794.7015.5913.86
Enterprise Value / EBITDA27.6515.5427.5016.3251.9826.88
Enterprise Value / EBIT62.2928.68128.4329.4989.6235.23

Financials

Full Financials
Millions USD5Yr CAGR (%)Dec '21Dec '22Dec '23Dec '24Dec '25
INCOME STATEMENT
Revenue11.5%2,960.23,709.93,831.24,183.84,576.3
Gross Income8.7%1,937.92,324.82,313.92,510.52,704.3
EBITDA9.9%995.21,132.9667.31,204.11,453.6
EBIT9.2%618.2613.9142.9666.3878.8
Net Income-24.3%1,390.3266.3-206.2284.4455.4
EPS (Diluted)-24.6%7.191.40-1.071.452.32
BALANCE SHEET
Cash & ST Inv-17.5%1,845.5587.9478.9682.0856.3
Total Assets-3.2%12,635.011,666.311,105.110,984.811,112.9
Total Liabilities-6.6%8,628.87,396.96,999.66,666.06,567.5
Total Shareholder Equity3.2%3,908.14,169.94,008.24,217.04,439.2
CASH FLOW
Net Operating Cash Flow5.1%808.3297.2645.4832.5987.6
Cap Ex9.8%-224.2-298.2-310.7-315.8-326.0
Free Cash Flow3.2%584.1-1.0334.7516.7661.6

Enterprise Value Bridge

Millions USD13 Nov '26
Price (As of 13 Nov '26)81.58
Basic Shares191.60
Market Cap15,630.7
Diluted Shares192.60
Fully Diluted Shares Outstanding192.60
Fully Diluted Market Cap15,712.3
+Consolidated Debt5,525.5
−In-the-Money Convertible Debt—
+Capital Leases49.9
+Operating Leases—
−Cash & Equivalents-883.1
−Short-term Investments-0.4
+Total Preferred-
−In-the-Money Convertible Preferred—
−Investments in Unconsolidated Subs—
+Non-Controlling Interest151.0
+Pension Liabilities—
Enterprise Value20,424.1

Segment data

Revenue

by Products and services

  • U.s. Markets78%
  • International22%

Revenue

by Geography

  • U.s. Markets78%
  • International22%

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