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EFX vs. TRU: Equifax vs. TransUnion Stock Comparison

How do Equifax (EFX) and TransUnion (TRU) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.

Company Profile

Equifax (EFX) and TransUnion (TRU) are both classified in the Research & Consulting Services sub-industry within the broader Professional Services industry, placing them in the closest GICS peer bucket.

Company profile comparison for Equifax (EFX) and TransUnion (TRU)
Profile ItemEFXTRU
NameEquifax Inc.TransUnion
Country/RegionUnited StatesUnited States
GICS SectorIndustrialsIndustrials
GICS Industry GroupCommercial & Professional ServicesCommercial & Professional Services
GICS IndustryProfessional ServicesProfessional Services
GICS Sub-IndustryResearch & Consulting ServicesResearch & Consulting Services
Market Capitalization22.27 billion USD15.48 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateMarch 17, 1980June 25, 2015
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

EFX
TRU
GSPC
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Equifax (EFX) vs. TransUnion (TRU), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Equifax (EFX) and TransUnion (TRU). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Equifax (EFX) and TransUnion (TRU). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Equifax (EFX) and TransUnion (TRU)
MetricEFXTRU
Total Return (1Y)-7.77%3.77%
Total Return (3Y, Annualized)1.72%16.74%
Total Return (5Y, Annualized)-7.34%-5.77%

Risk Profile

Drawdown History

EFX
TRU
GSPC
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Equifax (EFX) vs. TransUnion (TRU), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Equifax (EFX) and TransUnion (TRU). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Equifax (EFX) and TransUnion (TRU)
MetricEFXTRU
Volatility (1Y, Annualized)41.48%42.86%
Beta (5Y)1.251.52
Max Drawdown (5Y)-54.43%-63.37%
Avg. Volume (3M)1.67M2.74M

Risk-Adjusted Performance

Risk-Return Positioning

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EFX and TRU are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Equifax (EFX) and TransUnion (TRU)
MetricEFXTRU
Sharpe Ratio (1Y)-0.29-0.01
Sortino Ratio (1Y)-0.41-0.02

Profitability

ROE (TTM)

Both Equifax (EFX) at 15.44% and TransUnion (TRU) at 16.96% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

EFX

Commercial & Professional Services industry group

15.44%

Max
47.06%
Q3
25.43%
EFX
15.44%
Median
14.11%
Q1
3.92%
Min
-20.15%

TRU

Commercial & Professional Services industry group

16.96%

Max
47.06%
Q3
25.43%
TRU
16.96%
Median
14.11%
Q1
3.92%
Min
-20.15%
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Equifax (EFX) vs. TransUnion (TRU): A comparison of their ROE against the Commercial & Professional Services industry group benchmark.

Net Margin (TTM)

TransUnion (TRU) at 15.83% retains a top-quartile share of revenue as profit, ahead of Equifax (EFX) at 11.27%, which keeps about the industry-typical share.

EFX

Commercial & Professional Services industry group

11.27%

Max
23.28%
Q3
11.35%
EFX
11.27%
Median
5.65%
Q1
0.87%
Min
-8.60%

TRU

Commercial & Professional Services industry group

15.83%

Max
23.28%
TRU
15.83%
Q3
11.35%
Median
5.65%
Q1
0.87%
Min
-8.60%
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Equifax (EFX) vs. TransUnion (TRU): A comparison of their net margin against the Commercial & Professional Services industry group benchmark.

Operating Margin (TTM)

Both Equifax (EFX) at 20.99% and TransUnion (TRU) at 20.36% convert sales into operating profit at a top-quartile rate, pointing to tighter cost discipline before financing and tax.

EFX

Commercial & Professional Services industry group

20.99%

Max
38.50%
EFX
20.99%
Q3
18.84%
Median
10.40%
Q1
5.59%
Min
-12.00%

TRU

Commercial & Professional Services industry group

20.36%

Max
38.50%
TRU
20.36%
Q3
18.84%
Median
10.40%
Q1
5.59%
Min
-12.00%
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Equifax (EFX) vs. TransUnion (TRU): A comparison of their operating margin against the Commercial & Professional Services industry group benchmark.

Profitability Metrics

Profitability metrics for Equifax (EFX) and TransUnion (TRU)
MetricEFXTRU
ROE (TTM)15.44%16.96%
ROA (TTM)6.67%5.25%
Net Margin (TTM)11.27%15.83%
Operating Margin (TTM)20.99%20.36%
Gross Margin (TTM)55.18%58.82%

Growth

Revenue Growth

Both Equifax (EFX) at 6.92% and TransUnion (TRU) at 9.38% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

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Equifax (EFX) vs. TransUnion (TRU): A comparison of their Revenue Growth across different time periods.

EPS Growth

TransUnion (TRU) at 60.00% sits in the top EPS growth quartile, while Equifax (EFX) at 9.92% is closer to the peer norm — faster per-share earnings growth for TRU.

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Equifax (EFX) vs. TransUnion (TRU): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Equifax (EFX) and TransUnion (TRU)
MetricEFXTRU
Revenue Growth (YoY)6.92%9.38%
Revenue Growth (3Y CAGR)5.85%7.25%
EPS Growth (YoY)9.92%60.00%
EPS Growth (3Y CAGR)-1.99%18.34%

Financial Strength

Current Ratio (MRQ)

TransUnion (TRU) at 2.03 keeps current ratio within its industry’s typical mid-range, while Equifax (EFX) at 1.09 runs in the tighter-liquidity quartile — a thinner cushion against current liabilities for EFX.

EFX

Commercial & Professional Services industry group

1.09

Max
3.63
Q3
2.14
Median
1.55
Q1
1.09
EFX
1.09
Min
0.45

TRU

Commercial & Professional Services industry group

2.03

Max
3.63
Q3
2.14
TRU
2.03
Median
1.55
Q1
1.09
Min
0.45
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Equifax (EFX) vs. TransUnion (TRU): A comparison of their current ratio against the Commercial & Professional Services industry group benchmark.

Debt / Equity (MRQ)

Both Equifax (EFX) at 1.13 and TransUnion (TRU) at 1.10 fund their balance sheets with roughly industry-typical debt-to-equity mixes.

EFX

Commercial & Professional Services industry group

1.13

Max
2.37
Q3
1.25
EFX
1.13
Median
0.88
Q1
0.35
Min
0.00

TRU

Commercial & Professional Services industry group

1.10

Max
2.37
Q3
1.25
TRU
1.10
Median
0.88
Q1
0.35
Min
0.00
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Equifax (EFX) vs. TransUnion (TRU): A comparison of their debt-to-equity ratio against the Commercial & Professional Services industry group benchmark.

Financial Strength Metrics

Financial strength metrics for Equifax (EFX) and TransUnion (TRU)
MetricEFXTRU
Current Ratio (MRQ)1.092.03
Debt / Equity (MRQ)1.131.10
Net Debt / EBITDA2.472.90

Dividends

Dividend Yield (TTM)

Both Equifax (EFX) at 1.12% and TransUnion (TRU) at 0.62% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

EFX

Commercial & Professional Services industry group

1.12%

Max
4.33%
Q3
1.80%
EFX
1.12%
Median
0.60%
Q1
0.00%
Min
0.00%

TRU

Commercial & Professional Services industry group

0.62%

Max
4.33%
Q3
1.80%
TRU
0.62%
Median
0.60%
Q1
0.00%
Min
0.00%
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Equifax (EFX) vs. TransUnion (TRU): A comparison of their dividend yield against the Commercial & Professional Services industry group benchmark.

Dividend Payout Ratio (TTM)

Both Equifax (EFX) at 35.28% and TransUnion (TRU) at 11.92% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

EFX

Commercial & Professional Services industry group

35.28%

Max
99.58%
Q3
41.99%
EFX
35.28%
Median
17.27%
Q1
0.00%
Min
-17.94%

TRU

Commercial & Professional Services industry group

11.92%

Max
99.58%
Q3
41.99%
Median
17.27%
TRU
11.92%
Q1
0.00%
Min
-17.94%
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Equifax (EFX) vs. TransUnion (TRU): A comparison of their payout ratio against the Commercial & Professional Services industry group benchmark.

Dividend Metrics

Dividend metrics for Equifax (EFX) and TransUnion (TRU)
MetricEFXTRU
Dividend Yield (TTM)1.12%0.62%
Dividend Payout Ratio (TTM)35.28%11.92%

Valuation

P/E Ratio (TTM)

Both Equifax (EFX) at 30.68 and TransUnion (TRU) at 19.75 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

EFX

Commercial & Professional Services industry group

30.68

Max
49.47
Q3
33.76
EFX
30.68
Median
24.16
Q1
16.01
Min
1.89

TRU

Commercial & Professional Services industry group

19.75

Max
49.47
Q3
33.76
Median
24.16
TRU
19.75
Q1
16.01
Min
1.89
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Equifax (EFX) vs. TransUnion (TRU): A comparison of their P/E ratio against the Commercial & Professional Services industry group benchmark.

P/S Ratio (TTM)

TransUnion (TRU) at 3.07 is priced about in line with its industry on P/S ratio, while Equifax (EFX) at 3.38 sits in the pricier quartile — EFX costs more per dollar of sales.

EFX

Commercial & Professional Services industry group

3.38

Max
7.17
EFX
3.38
Q3
3.35
Median
1.33
Q1
0.69
Min
0.11

TRU

Commercial & Professional Services industry group

3.07

Max
7.17
Q3
3.35
TRU
3.07
Median
1.33
Q1
0.69
Min
0.11
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Equifax (EFX) vs. TransUnion (TRU): A comparison of their P/S ratio against the Commercial & Professional Services industry group benchmark.

P/B Ratio (MRQ)

On P/B ratio, both Equifax (EFX) at 4.96 and TransUnion (TRU) at 3.19 are valued close to their industries’ norm against book — neither stands out from peers.

EFX

Commercial & Professional Services industry group

4.96

Max
11.25
Q3
6.08
EFX
4.96
Median
2.92
Q1
1.55
Min
-2.78

TRU

Commercial & Professional Services industry group

3.19

Max
11.25
Q3
6.08
TRU
3.19
Median
2.92
Q1
1.55
Min
-2.78
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Equifax (EFX) vs. TransUnion (TRU): A comparison of their P/B ratio against the Commercial & Professional Services industry group benchmark.

Valuation Metrics

Valuation metrics for Equifax (EFX) and TransUnion (TRU)
MetricEFXTRU
P/E Ratio (TTM)30.6819.75
P/S Ratio (TTM)3.383.07
P/B Ratio (MRQ)4.963.19
Free Cash Flow Yield (TTM)4.24%5.91%