Equifax vs TransUnion
EFX and TRU side by side, both in business services. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How EFX and TRU compare
Equifax is the larger company, worth 1.5 times as much as TransUnion ($21.7B against $14.7B).
On earnings, TransUnion is cheaper: it trades at 20.3× trailing earnings, against 32.4× for Equifax.
TransUnion grew revenue faster over the last twelve months (12.4% versus 10.3% for Equifax).
TransUnion keeps more of each dollar of sales as profit, with a net margin of 15.1% compared with 10.7% at Equifax.
Both pay dividends: Equifax yields 1.2% and TransUnion 0.64%.
TransUnion scores higher on the StockData Score (18 against 16 for Equifax), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | EFX | TRU |
|---|---|---|
| Size and price | ||
| Market cap | $21.7B | $14.7B |
| Share price | $184.60 | $76.79 |
| Change, 1 year | −13.9% | −4.5% |
| Change, 5 years | −35.1% | −32.4% |
| Beta (5Y) | 1.26 | 1.50 |
| Employees | 15K | 14K |
| StockData Score | ||
| Total score | 16 | 18 (better) |
| Valuation score | 3 | 5 (better) |
| Growth score | 2 | 3 (better) |
| Performance score | 3 | 4 (better) |
| Health score | 4 (better) | 2 |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 32.4× | 20.3× (better) |
| P/S | 3.4× | 3.0× (better) |
| P/B | 5.0× | 3.0× (better) |
| EV/EBITDA | 14.3× | 12.9× (better) |
| P/FCF | 19.6× | 18.7× (better) |
| PEG | – | 1.07 |
| FCF yield | 5.1% | 5.4% (better) |
| Fair value | $193.59 | $115.45 |
| Margin of safety | 4.6% | 33.5% (better) |
| Growth | ||
| Revenue growth (TTM) | 10.3% | 12.4% (better) |
| Revenue growth, 5Y average | 8.0% | 12.6% (better) |
| Net income growth (TTM) | 8.1% | 88.4% (better) |
| EPS growth (TTM) | 11.4% | 90.5% (better) |
| EPS growth, 5Y average | 4.6% | 5.3% (better) |
| Profitability | ||
| Gross margin | 55.5% | – |
| Operating margin | 17.9% | 18.7% (better) |
| Net margin | 10.7% | 15.1% (better) |
| FCF margin | 17.1% (better) | 16.1% |
| Return on equity | 14.6% | 15.8% (better) |
| Return on invested capital | 8.7% (better) | 8.0% |
| Financial health | ||
| Debt / equity | 1.25 | 1.15 (better) |
| Net debt / EBITDA | 2.80 (better) | 3.12 |
| Interest coverage | 5.2× (better) | 3.6× |
| Current ratio | 0.60 | 1.90 (better) |
| Altman Z-score | 3.27 (better) | 2.35 |
| Piotroski F-score | 8 | 8 |
| Dividends and buybacks | ||
| Dividend yield | 1.2% (better) | 0.64% |
| Payout ratio | 37.0% | 12.9% |
| Years of dividend growth | 1 | 1 |
| Dividend growth, 5Y average | 3.9% | 43.7% (better) |
| Buyback yield | 6.3% (better) | 2.4% |
| Shareholder yield | 7.5% (better) | 3.1% |
| Ownership | ||
| Held by institutions | 102% | 112% |
| Held by insiders | 0.72% | 0.78% |
| Insider net buying, 12 months | −$25.4M | −$9.3M (better) |
| Superinvestors holding | 5 | – |
| Short interest, % of float | 4.5% | 6.2% |
Go deeper
- EFX stock overview
- EFX income statement
- EFX valuation and score
- TRU stock overview
- TRU income statement
- TRU valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.