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 1.4 times as much as TransUnion ($22.0B against $15.5B).
On earnings, TransUnion is cheaper: it trades at 19.7× trailing earnings, against 30.4× for Equifax.
TransUnion grew revenue faster over the last twelve months (13.4% versus 10.9% for Equifax).
TransUnion keeps more of each dollar of sales as profit, with a net margin of 15.8% compared with 11.3% at Equifax.
Both pay dividends: Equifax yields 1.2% and TransUnion 0.60%.
TransUnion scores higher on the StockData Score (19 against 18 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 | $22.0B | $15.5B |
| Share price | $188.12 | $81.07 |
| Change, 1 year | −9.7% | −1.6% |
| Change, 5 years | −34.9% | −30.9% |
| Beta (5Y) | 1.24 | 1.48 |
| Employees | 15K | 14K |
| StockData Score | ||
| Total score | 18 | 19 (better) |
| Valuation score | 3 | 5 (better) |
| Growth score | 2 | 3 (better) |
| Performance score | 4 | 4 |
| Health score | 5 (better) | 3 |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 30.4× | 19.7× (better) |
| P/S | 3.3× | 3.1× (better) |
| P/B | 4.9× | 3.2× (better) |
| EV/EBITDA | 13.5× | 12.6× (better) |
| P/FCF | 19.9× | 17.0× (better) |
| PEG | – | 1.04 |
| FCF yield | 5.0% | 5.9% (better) |
| Fair value | $230.64 | $122.02 |
| Margin of safety | 18.4% | 33.6% (better) |
| Growth | ||
| Revenue growth (TTM) | 10.9% | 13.4% (better) |
| Revenue growth, 5Y average | 8.0% | 12.6% (better) |
| Net income growth (TTM) | 12.8% | 89.8% (better) |
| EPS growth (TTM) | 17.5% | 93.0% (better) |
| EPS growth, 5Y average | 4.6% | 5.3% (better) |
| Profitability | ||
| Gross margin | 55.2% | – |
| Operating margin | 18.8% | 19.3% (better) |
| Net margin | 11.3% | 15.8% (better) |
| FCF margin | 16.7% | 18.1% (better) |
| Return on equity | 15.8% | 17.1% (better) |
| Return on invested capital | 9.5% (better) | 8.8% |
| Financial health | ||
| Debt / equity | 1.16 | 1.13 (better) |
| Net debt / EBITDA | 2.51 (better) | 2.86 |
| Interest coverage | 5.4× (better) | 3.8× |
| Current ratio | 1.09 | 2.03 (better) |
| Altman Z-score | 3.51 (better) | 2.49 |
| Piotroski F-score | 8 | 8 |
| Dividends and buybacks | ||
| Dividend yield | 1.2% (better) | 0.60% |
| Payout ratio | 35.0% | 12.1% |
| Years of dividend growth | 1 | 1 |
| Dividend growth, 5Y average | 3.9% | 43.7% (better) |
| Buyback yield | 5.2% (better) | 2.4% |
| Shareholder yield | 6.4% (better) | 3.0% |
| Ownership | ||
| Held by institutions | 102% | 112% |
| Held by insiders | 0.68% | 0.83% |
| Insider net buying, 12 months | −$35.4M | −$12.8M (better) |
| Superinvestors holding | 5 | – |
| Short interest, % of float | 4.9% | 6.8% |
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.