Seek Returns

PAYC vs. TRU: Paycom Software vs. TransUnion Stock Comparison

How do Paycom Software (PAYC) 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

Paycom Software (PAYC) and TransUnion (TRU) both belong to the Professional Services industry, though PAYC is classified under Human Resource & Employment Services while TRU falls under Research & Consulting Services.

Company profile comparison for Paycom Software (PAYC) and TransUnion (TRU)
Profile ItemPAYCTRU
NamePaycom Software, Inc.TransUnion
Country/RegionUnited StatesUnited States
GICS SectorIndustrialsIndustrials
GICS Industry GroupCommercial & Professional ServicesCommercial & Professional Services
GICS IndustryProfessional ServicesProfessional Services
GICS Sub-IndustryHuman Resource & Employment ServicesResearch & Consulting Services
Market Capitalization10.69 billion USD15.48 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateApril 15, 2014June 25, 2015
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

PAYC
TRU
GSPC
Loading price history…
Paycom Software (PAYC) 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

Loading price history…
Trailing total returns for Paycom Software (PAYC) and TransUnion (TRU). Returns over one year are annualized.

Calendar-Year Returns

Loading price history…
Calendar-year total returns for Paycom Software (PAYC) and TransUnion (TRU). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Paycom Software (PAYC) and TransUnion (TRU)
MetricPAYCTRU
Total Return (1Y)49.84%3.77%
Total Return (3Y, Annualized)13.71%16.74%
Total Return (5Y, Annualized)-13.38%-5.77%

Risk Profile

Drawdown History

PAYC
TRU
GSPC
Loading price history…
Paycom Software (PAYC) 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

Loading price history…
Distribution of monthly total returns for Paycom Software (PAYC) and TransUnion (TRU). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Paycom Software (PAYC) and TransUnion (TRU)
MetricPAYCTRU
Volatility (1Y, Annualized)47.19%42.86%
Beta (5Y)0.751.52
Max Drawdown (5Y)-77.09%-63.37%
Avg. Volume (3M)702.61K2.74M

Risk-Adjusted Performance

Risk-Return Positioning

Loading chart…
PAYC 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 Paycom Software (PAYC) and TransUnion (TRU)
MetricPAYCTRU
Sharpe Ratio (1Y)0.97-0.01
Sortino Ratio (1Y)1.66-0.02

Profitability

ROE (TTM)

Paycom Software (PAYC) at 42.22% sits in the top ROE quartile, while TransUnion (TRU) at 16.96% is closer to the peer norm — stronger capital efficiency for PAYC.

PAYC

Commercial & Professional Services industry group

42.22%

Max
47.06%
PAYC
42.22%
Q3
25.43%
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%
Loading chart…
Paycom Software (PAYC) vs. TransUnion (TRU): A comparison of their ROE against the Commercial & Professional Services industry group benchmark.

Net Margin (TTM)

For every dollar of sales, both Paycom Software (PAYC) at 23.28% and TransUnion (TRU) at 15.83% retain more as net profit than most peers, landing in the top net margin quartile of their industries.

PAYC

Commercial & Professional Services industry group

23.28%

PAYC
23.28%
Max
23.28%
Q3
11.35%
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%
Loading chart…
Paycom Software (PAYC) vs. TransUnion (TRU): A comparison of their net margin against the Commercial & Professional Services industry group benchmark.

Operating Margin (TTM)

Both Paycom Software (PAYC) at 38.03% 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.

PAYC

Commercial & Professional Services industry group

38.03%

Max
38.50%
PAYC
38.03%
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%
Loading chart…
Paycom Software (PAYC) vs. TransUnion (TRU): A comparison of their operating margin against the Commercial & Professional Services industry group benchmark.

Profitability Metrics

Profitability metrics for Paycom Software (PAYC) and TransUnion (TRU)
MetricPAYCTRU
ROE (TTM)42.22%16.96%
ROA (TTM)8.98%5.25%
Net Margin (TTM)23.28%15.83%
Operating Margin (TTM)38.03%20.36%
Gross Margin (TTM)88.39%58.82%

Growth

Revenue Growth

Both Paycom Software (PAYC) at 8.95% 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.

Loading chart…
Paycom Software (PAYC) 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 Paycom Software (PAYC) at -9.42% is closer to the peer norm — faster per-share earnings growth for TRU.

Loading chart…
Paycom Software (PAYC) vs. TransUnion (TRU): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Paycom Software (PAYC) and TransUnion (TRU)
MetricPAYCTRU
Revenue Growth (YoY)8.95%9.38%
Revenue Growth (3Y CAGR)14.27%7.25%
EPS Growth (YoY)-9.42%60.00%
EPS Growth (3Y CAGR)18.63%18.34%

Financial Strength

Current Ratio (MRQ)

TransUnion (TRU) at 2.03 keeps current ratio within its industry’s typical mid-range, while Paycom Software (PAYC) at 1.06 runs in the tighter-liquidity quartile — a thinner cushion against current liabilities for PAYC.

PAYC

Commercial & Professional Services industry group

1.06

Max
3.63
Q3
2.14
Median
1.55
Q1
1.09
PAYC
1.06
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
Loading chart…
Paycom Software (PAYC) vs. TransUnion (TRU): A comparison of their current ratio against the Commercial & Professional Services industry group benchmark.

Debt / Equity (MRQ)

Both Paycom Software (PAYC) at 1.16 and TransUnion (TRU) at 1.10 fund their balance sheets with roughly industry-typical debt-to-equity mixes.

PAYC

Commercial & Professional Services industry group

1.16

Max
2.37
Q3
1.25
PAYC
1.16
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
Loading chart…
Paycom Software (PAYC) 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 Paycom Software (PAYC) and TransUnion (TRU)
MetricPAYCTRU
Current Ratio (MRQ)1.062.03
Debt / Equity (MRQ)1.161.10
Net Debt / EBITDA0.752.90

Dividends

Dividend Yield (TTM)

Both Paycom Software (PAYC) at 0.60% and TransUnion (TRU) at 0.62% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

PAYC

Commercial & Professional Services industry group

0.60%

Max
4.33%
Q3
1.80%
Median
0.60%
PAYC
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%
Loading chart…
Paycom Software (PAYC) vs. TransUnion (TRU): A comparison of their dividend yield against the Commercial & Professional Services industry group benchmark.

Dividend Payout Ratio (TTM)

Both Paycom Software (PAYC) at 14.34% 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.

PAYC

Commercial & Professional Services industry group

14.34%

Max
99.58%
Q3
41.99%
Median
17.27%
PAYC
14.34%
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%
Loading chart…
Paycom Software (PAYC) vs. TransUnion (TRU): A comparison of their payout ratio against the Commercial & Professional Services industry group benchmark.

Dividend Metrics

Dividend metrics for Paycom Software (PAYC) and TransUnion (TRU)
MetricPAYCTRU
Dividend Yield (TTM)0.60%0.62%
Dividend Payout Ratio (TTM)14.34%11.92%

Valuation

P/E Ratio (TTM)

Both Paycom Software (PAYC) at 22.69 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.

PAYC

Commercial & Professional Services industry group

22.69

Max
49.47
Q3
33.76
Median
24.16
PAYC
22.69
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
Loading chart…
Paycom Software (PAYC) 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 Paycom Software (PAYC) at 4.88 sits in the pricier quartile — PAYC costs more per dollar of sales.

PAYC

Commercial & Professional Services industry group

4.88

Max
7.17
PAYC
4.88
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
Loading chart…
Paycom Software (PAYC) vs. TransUnion (TRU): A comparison of their P/S ratio against the Commercial & Professional Services industry group benchmark.

P/B Ratio (MRQ)

TransUnion (TRU) at 3.19 sits near its industry’s typical P/B ratio, while Paycom Software (PAYC) at 14.62 prices above its benchmark range — PAYC looks rich relative to book.

PAYC

Commercial & Professional Services industry group

14.62

PAYC
14.62
Max
11.25
Q3
6.08
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
Loading chart…
Paycom Software (PAYC) vs. TransUnion (TRU): A comparison of their P/B ratio against the Commercial & Professional Services industry group benchmark.

Valuation Metrics

Valuation metrics for Paycom Software (PAYC) and TransUnion (TRU)
MetricPAYCTRU
P/E Ratio (TTM)22.6919.75
P/S Ratio (TTM)4.883.07
P/B Ratio (MRQ)14.623.19
Free Cash Flow Yield (TTM)5.69%5.91%