TransUnion Financial Ratios — TRU Stock

Profitability (USD)

	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	- -	- -	- -	- -	109.7	68.09	43.08	87	11.32	-8.95	12.59	17.91
Return on Assets (%)	- -	-0.27	0.13	2.61	8.91	4.55	4.9	4.76	13.94	2.19	-1.81	2.57	4.12
Return on Capital (%)	- -	- -	3.21	8.02	- -	10.59	10.74	9.51	21.71	4.76	- -	6.06	7.83
Return on Invested Capital (%)	- -	- -	3.13	5.18	- -	8.36	7.27	6.43	5.66	4.13	- -	5.79	6.57
Gross Margin (%)	59.95	61.66	64.72	66.03	66.61	65.9	67.3	66.26	65.47	62.66	60.4	60.01	59.09
EBITDA Margin (%)	30.09	28.33	31.56	33.18	36.34	35.36	35.74	33.47	34.76	30.87	29.82	30.38	31.45
Operating Margin (%)	14.3	9.84	13.08	17.63	24.03	22.12	21.99	19.77	22.02	16.88	16.13	17.53	18.89
Incremental Operating Margin (%)	- -	-33.58	33.99	52.2	71.73	12.47	20	-61.57	35.31	-3.4	-7.01	32.76	33.43
Pretax Margin (%)	-2.19	-0.14	1.77	12.05	19.26	14.82	15.2	15.39	17.08	10.32	-3.79	9.59	14.05
Profit Margin (%)	-2.97	-0.96	0.39	7.07	22.82	11.94	14.08	13.56	46.97	7.18	-5.38	6.8	9.95
Net Income to Common Margin (%)	-2.97	-0.96	0.39	7.07	22.82	11.94	14.08	13.56	46.97	7.18	-5.38	6.8	9.95
Effective Tax Rate (%)	- -	- -	42.48	36.03	- -	15.87	18.83	21.49	26.09	31.04	- -	24.63	26.92
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	13.87	18.38	18.11	17.96	27.86	-46.82	25.82	18.68
Sustainable Growth Rate (%)	- -	- -	- -	- -	- -	94.48	55.58	35.28	71.38	8.17	-13.14	9.34	14.56

Credit (USD)

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	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	2,867	2,940	2,205	2,376	2,465	4,048	3,734	3,520	6,523	5,806	5,448	5,211	5,158
ST Debt	14	74	44	50	119	72	79	72	153	148	116	93	217
LT Debt	2,853	2,866	2,161	2,325	2,345	3,976	3,656	3,448	6,370	5,658	5,333	5,118	4,942
Total Debt/EBITDA	8.05	7.95	4.64	4.2	3.51	4.94	4.24	4.16	6.34	5.07	4.77	4.1	3.58
Net Debt/EBITDA	7.74	7.74	4.36	3.88	3.34	4.71	3.84	3.5	4.4	4.44	4.26	3.51	2.95
Total Debt/EBIT	16.94	22.9	11.19	7.91	5.3	7.9	6.89	7.04	10.01	9.27	8.82	7.1	5.97
Net Debt/EBIT	16.29	22.29	10.51	7.3	5.05	7.53	6.24	5.92	6.94	8.12	7.87	6.09	4.92
EBITDA to Interest Expense	1.8	1.95	3.54	6.62	8.02	5.96	5.07	6.71	9.14	4.96	3.96	4.79	6.1
EBITDA-CapEx/Interest Expense	1.8	1.95	3.54	6.62	8.02	5.96	5.07	6.71	9.14	4.96	3.96	4.79	6.1
EBIT to Interest Expense	0.86	0.68	1.47	3.51	5.3	3.73	3.12	3.96	5.79	2.71	2.14	2.77	3.67
Interest Expense	198	190	134	86	88	138	174	126	113	231	288	265	236
Common Equity/Total Assets	-9.26	-9.19	-9.51	-6.32	2.72	5.18	9.19	12.85	17.86	20.99	19.44	21.48	24.53
Long-Term Debt/Equity (%)	399.31	383.3	158.06	157.85	128.54	200.61	156.26	130.79	159.01	132.51	129.89	118.51	108.72
Long-Term Debt/Capital (%)	112.45	107.26	112.67	106.47	86.87	88.25	81.56	75.68	71.75	67.72	69.21	66.71	61.85
Long-Term Debt/Total Assets (%)	63.51	61.42	48.63	48.63	45.82	56.48	51.39	47.15	50.42	48.49	48.02	46.59	44.47
Total Debt/Equity (%)	401.25	393.19	161.27	161.28	135.08	204.22	159.62	133.53	162.83	135.99	132.71	120.65	113.49
Total Debt/Capital (%)	112.99	110.03	114.96	108.78	91.29	89.85	83.31	77.27	73.48	69.5	70.71	67.91	64.56
Total Debt/Total Assets (%)	63.82	63.01	49.62	49.69	48.15	57.5	52.5	48.14	51.63	49.77	49.06	47.44	46.42
Net Debt to Equity	385.68	382.77	151.53	148.91	128.73	194.77	144.61	112.34	112.91	119.1	118.48	103.45	93.51
Net Debt/Capital (%)	113.59	110.34	116.08	109.58	90.9	89.41	80.39	72.89	64.29	65.45	67.29	63.89	59.55
EBITDA	356	370	476	566	703	819	880	847	1,029	1,145	1,142	1,271	1,439
EBITDA-CapEx	356	370	476	566	703	819	880	847	1,029	1,145	1,142	1,271	1,439
Operating Income (Loss)	169	128	197	300	465	512	542	500	652	626	618	733	865

Liquidity (USD)

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	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	0.45	0.27	0.5	0.58	0.3	0.39	0.48	0.74	1.36	0.65	0.48	0.64	0.74
Current Ratio	1.41	1.22	1.44	1.47	1.28	1.53	1.55	2.19	1.94	1.6	1.47	1.7	1.75
Quick Ratio	1.14	0.89	1.27	1.34	1.1	1.26	1.3	1.33	1.78	1.31	1.2	1.48	1.53
CFO/Avg Current Liab	- -	0.53	0.99	1.17	1.12	1.1	1.39	1.27	0.8	0.26	0.68	0.81	0.89
Common Equity/Total Assets	-9.26	-9.19	-9.51	-6.32	2.72	5.18	9.19	12.85	17.86	20.99	19.44	21.48	24.53
Long-Term Debt/Equity (%)	399.31	383.3	158.06	157.85	128.54	200.61	156.26	130.79	159.01	132.51	129.89	118.51	108.72
Long-Term Debt/Capital (%)	112.45	107.26	112.67	106.47	86.87	88.25	81.56	75.68	71.75	67.72	69.21	66.71	61.85
Long-Term Debt/Total Assets (%)	63.51	61.42	48.63	48.63	45.82	56.48	51.39	47.15	50.42	48.49	48.02	46.59	44.47
Total Debt/Equity (%)	401.25	393.19	161.27	161.28	135.08	204.22	159.62	133.53	162.83	135.99	132.71	120.65	113.49
Total Debt/Capital (%)	112.99	110.03	114.96	108.78	91.29	89.85	83.31	77.27	73.48	69.5	70.71	67.91	64.56
Total Debt/Total Assets (%)	63.82	63.01	49.62	49.69	48.15	57.5	52.5	48.14	51.63	49.77	49.06	47.44	46.42
CFO/Total Liabilities	3.8	3.94	10.05	11.79	14.14	10.99	16.27	16.85	9.37	4.02	9.22	12.49	15.04
CFO/CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Altman's Z-Score	1.97	1.72	3.38	3.96	5.96	5.31	6.15	5.79	4.51	4.93	5.06	5.8	5.98

Working Capital (USD)

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	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	7.14	7.03	6.74	6.4	5.91	5.47	6.05	6.23	6.4	5.78	5.5	5.37
Days Sales Outstanding	- -	51.11	51.92	54.19	57.06	61.71	66.73	60.34	58.62	57.07	63.13	66.39	67.95
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	4.84	5.02	5.27	5.26	5.25	4.65	4.68	4.46	5.32	6.05	6.13	5.81
Accounts Payable Turnover Days	- -	75.45	72.75	69.21	69.39	69.57	78.41	77.92	81.87	68.59	60.34	59.54	62.83
Cash Conversion Cycle	- -	-24.34	-20.82	-15.02	-12.33	-7.86	-11.68	-17.58	-23.25	-11.52	2.78	6.85	5.12
Inventory to Cash Days	- -	51.11	51.92	54.19	57.06	61.71	66.73	60.34	58.62	57.07	63.13	66.39	67.95
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	4,557	5,648	10,025	10,485	16,078	18,842	22,696	10,924	13,289	18,023	16,670
- Cash & Cash Equivalents	111	78	133	182	116	187	274	493	1,842	585	476	680	854
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	87	161	136	110	96	92	94	96	98	100	97	102	106
+ Total Debt	2,867	2,940	2,205	2,376	2,465	4,048	3,734	3,520	6,523	5,806	5,448	5,211	5,158
Enterprise Value	2,842	3,011	6,749	7,919	12,448	14,412	19,629	21,962	27,472	16,242	18,355	22,653	21,078
Total Capital	2,537	2,672	1,918	2,184	2,700	4,506	4,482	4,555	8,878	8,354	7,705	7,672	7,990
Total Debt/Capital (%)	112.99	110.03	114.96	108.78	91.29	89.85	83.31	77.27	73.48	69.5	70.71	67.91	64.56
Total Debt / EV	1.01	0.98	0.33	0.3	0.2	0.28	0.19	0.16	0.24	0.36	0.3	0.23	0.24
EV/Sales	2.4	2.31	4.48	4.64	6.44	6.22	7.97	8.68	9.28	4.38	4.79	5.41	4.61
EV/EBITDA	7.98	8.15	14.19	14	17.71	17.59	22.3	25.93	26.7	14.18	16.07	17.82	14.64
EV/EBIT	16.8	23.45	34.24	26.35	26.79	28.12	36.24	43.91	42.14	25.93	29.71	30.89	24.38
EV/Cash Flow to Firm	7.93	4.87	17.47	17.81	21.76	21.47	21.38	24.77	30.81	35.59	17.96	21.94	18.17
EV/Free Cash Flow to Firm	7.93	4.87	17.47	17.81	21.76	21.47	21.38	24.77	30.81	35.59	17.96	21.94	18.17
Diluted Market Cap	- -	- -	4,599	5,710	10,437	10,843	16,420	19,070	22,886	10,958	13,289	18,236	16,858
Diluted Enterprise Value	2,842	3,023	6,806	8,013	12,882	14,796	19,974	22,193	27,665	16,278	18,358	22,869	21,269
EV per Share	19.22	20.36	40.83	43.37	68.24	78.07	104.52	115.65	143.53	84.37	94.91	116.53	108.43
TTM Sales	1,183	1,305	1,507	1,705	1,934	2,317	2,463	2,531	2,960	3,710	3,831	4,184	4,576
TTM EBITDA	356	370	476	566	703	819	880	847	1,029	1,145	1,142	1,271	1,439
TTM Operating Income	169	128	197	300	465	512	542	500	652	626	618	733	865
TTM Cash Flow to Firm	359	619	386	445	572	671	918	887	892	456	1,022	1,032	1,160
TTM Free Cash Flow to Firm	359	619	386	445	572	671	918	887	892	456	1,022	1,032	1,160

Multiples (USD)

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	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	14.88	14.64	22.41	19.51	21.14	24.21	28.31	36.87	20.59	21.91	17.07
EV/EBIT	16.8	23.45	34.24	26.35	26.79	28.12	36.24	43.91	42.14	25.93	29.71	30.89	24.38
Enterprise Value	2,842	3,011	6,749	7,919	12,448	14,412	19,629	21,962	27,472	16,242	18,355	22,653	21,078
Low Price	- -	- -	23.12	20.43	30.74	52.15	53.93	52.5	83.12	50.32	42.09	63.03	66.38
EV/Sales	2.4	2.31	4.48	4.64	6.44	6.22	7.97	8.68	9.28	4.38	4.79	5.41	4.61
EV/EBITDA	7.98	8.15	14.19	14	17.71	17.59	22.3	25.93	26.7	14.18	16.07	17.82	14.64
Price/Earnings	- -	- -	772.43	46.83	22.72	37.91	46.35	54.9	16.32	41.02	- -	63.37	36.6
Price/Earnings Average	- -	- -	714.63	45.88	18.16	43.86	39.88	47.61	14.71	58.29	-64.24	58.11	37.09
Price/Earnings High	- -	- -	786.72	54.19	23.47	53.04	47.31	56.88	17.26	86.14	-77.61	77.36	43.2
Price/Earnings Low	- -	- -	647.75	30.93	12.71	34.8	29.2	29.05	11.44	36.37	-39.48	43.08	28.34
Price/Book Value	- -	- -	-10.79	-18.7	71.96	28.73	24.59	20.06	10.06	4.46	6.15	7.64	6.12
Price/Book Value Average	- -	- -	-9.98	-18.32	57.51	33.24	21.16	17.39	9.06	6.34	6.14	7	6.2
Price/Book Value High	- -	- -	-10.99	-21.64	74.33	40.2	25.1	20.78	10.63	9.37	7.41	9.32	7.22
Price/Book Value Low	- -	- -	-9.05	-12.35	40.25	26.38	15.49	10.61	7.05	3.96	3.77	5.19	4.73
Price/Tangible Book Value	- -	- -	-1.91	-2.29	-4.23	-2.72	-4.69	-6.82	-4.29	-2.2	-2.9	-4.41	-4.37
Price/Tangible Book Value Average	- -	- -	-1.77	-2.25	-3.38	-3.14	-4.03	-5.91	-3.87	-3.13	-2.89	-4.05	-4.43
Price/Tangible Book Value High	- -	- -	-1.94	-2.65	-4.37	-3.8	-4.78	-7.06	-4.54	-4.63	-3.49	-5.39	-5.16
Price/Tangible Book Value Low	- -	- -	-1.6	-1.51	-2.37	-2.49	-2.95	-3.61	-3.01	-1.95	-1.78	-3	-3.38
Price/Sales	- -	- -	3.02	3.31	5.18	4.52	6.53	7.45	7.67	2.94	3.47	4.31	3.64
Price/Sales Average	- -	- -	2.8	3.25	4.14	5.24	5.62	6.46	6.91	4.18	3.46	3.95	3.69
Price/Sales High	- -	- -	3.08	3.83	5.35	6.33	6.66	7.71	8.1	6.18	4.18	5.26	4.3
Price/Sales Low	- -	- -	2.54	2.19	2.9	4.15	4.11	3.94	5.37	2.61	2.12	2.93	2.82
Price/Cash Flow	- -	- -	14.74	14.49	21.52	18.87	20.69	23.92	28.08	36.76	20.59	21.65	16.88
Price/Cash Flow Average	- -	- -	13.64	14.19	17.2	21.83	17.81	20.75	25.3	52.23	20.52	19.85	17.1
Price/Cash Flow High	- -	- -	15.02	16.76	22.23	26.4	21.12	24.79	29.68	77.18	24.8	26.43	19.92
Price/Cash Flow Low	- -	- -	12.36	9.57	12.04	17.32	13.04	12.66	19.68	32.59	12.61	14.72	13.07
Price/Free Cash Flow Average	- -	- -	13.76	14.35	17.91	22.58	18.19	21	25.52	52.39	20.52	20.09	17.3
Price/Free Cash Flow High	- -	- -	15.15	16.94	23.14	27.3	21.57	25.09	29.93	77.42	24.8	26.74	20.14
Price/Free Cash Flow Low	- -	- -	12.48	9.67	12.53	17.92	13.31	12.81	19.85	32.69	12.61	14.89	13.21
EV/Sales Average	2.4	2.32	4.26	4.6	5.41	6.94	7.06	7.69	8.52	5.62	4.78	5.06	4.65
EV/Sales High	2.4	2.32	4.55	5.18	6.62	8.04	8.11	8.95	9.72	7.62	5.5	6.37	5.26
EV/Sales Low	2.4	2.32	4	3.54	4.16	5.86	5.55	5.17	6.99	4.05	3.45	4.04	3.78
EV/EBITDA Average	7.98	8.18	13.51	13.85	14.88	19.63	19.75	22.98	24.52	18.2	16.03	16.64	14.8
EV/EBITDA High	7.98	8.18	14.4	15.62	18.21	22.73	22.68	26.74	27.96	24.67	18.45	20.95	16.73
EV/EBITDA Low	7.98	8.18	12.68	10.67	11.46	16.57	15.54	15.46	20.11	13.1	11.56	13.28	12.03
EV/EBIT Average	16.8	23.54	32.59	26.08	22.5	31.39	32.1	38.91	38.71	33.27	29.64	28.85	24.64
EV/EBIT High	16.8	23.54	34.75	29.41	27.54	36.34	36.86	45.27	44.13	45.11	34.1	36.31	27.85
EV/EBIT Low	16.8	23.54	30.59	20.08	17.33	26.5	25.26	26.18	31.74	23.96	21.38	23.02	20.03
Last Price	- -	- -	27.57	30.93	54.96	56.8	85.61	99.22	118.58	56.75	68.71	92.71	85.75
High Price	- -	- -	28.08	35.79	56.77	79.48	87.39	102.8	125.35	119.16	82.75	113.17	101.19
Enterprise Value Average	2,842	3,023	6,423	7,837	10,456	16,086	17,387	19,463	25,233	20,843	18,316	21,159	21,300
Enterprise Value High	2,842	3,023	6,849	8,839	12,800	18,625	19,966	22,645	28,771	28,258	21,073	26,633	24,082
Enterprise Value Low	2,842	3,023	6,029	6,034	8,052	13,580	13,682	13,093	20,688	15,007	13,210	16,886	17,315

Shares Outstanding	178	178	182	183	183	186	189	190	192	193	194	195	192
Diluted Weighted Avg Shares	148	148	167	185	190	191	192	192	193	193	193	197	197
Basic Weighted Avg Shares	148	148	165	183	182	185	188	190	191	192	193	194	194
Revenue per Share	8	8.82	9.12	9.34	10.6	12.55	13.12	13.33	15.47	19.27	19.81	21.52	23.54
EBITDA per Share	2.41	2.5	2.88	3.1	3.85	4.44	4.69	4.46	5.38	5.95	5.91	6.54	7.4
Operating Income per Share	1.14	0.87	1.19	1.65	2.55	2.78	2.88	2.63	3.41	3.25	3.19	3.77	4.45
Basic EPS, GAAP	-0.24	-0.08	0.04	0.66	2.42	1.5	1.85	1.81	7.26	1.38	-1.07	1.46	2.34
Basic EPS from Cont Ops	-0.19	-0.03	0.09	0.72	2.48	1.57	1.62	1.61	1.95	1.37	-0.98	1.56	2.42
Diluted EPS, GAAP	-0.24	-0.08	0.04	0.65	2.32	1.45	1.81	1.79	7.2	1.38	-1.07	1.45	2.32
Diluted EPS from Cont Ops	-0.19	-0.03	0.09	0.71	2.38	1.51	1.58	1.59	1.94	1.37	-0.98	1.54	2.39
Dividend per Share	- -	- -	- -	- -	- -	0.23	0.3	0.3	0.36	0.4	0.42	0.43	0.47
Cash Flow per Share	0.97	1.04	1.87	2.14	2.55	3.01	4.14	4.15	4.22	1.54	3.34	4.28	5.08
Free Cash Flow per Basic Share	0.97	1.04	1.87	2.14	2.55	3.01	4.14	4.15	4.22	1.54	3.34	4.28	5.08
Cash & Equivalents per Share	0.75	0.61	0.9	1.18	0.75	1.16	1.47	2.61	9.64	3.05	2.48	3.51	4.4
Book Value per Share	-2.81	-2.9	-2.56	-1.65	0.76	1.98	3.48	4.95	11.79	12.72	11.16	12.14	14.02
Tangible Book Value per Share	-21.16	-21.74	-14.44	-13.49	-12.99	-20.91	-18.27	-14.55	-27.64	-25.75	-23.71	-21	-19.61

TransUnion

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)