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TRU vs. ULS: TransUnion vs. UL Stock Comparison

How do TransUnion (TRU) and UL (ULS) 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

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

TransUnion (TRU) has been public since June 25, 2015, giving it a longer listed trading history, while UL (ULS) listed on April 12, 2024 and still has a shorter public-market record.

Company profile comparison for TransUnion (TRU) and UL (ULS)
Profile ItemTRUULS
NameTransUnionUL Solutions Inc. Class A Common Stock
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 Capitalization15.48 billion USD15.88 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateJune 25, 2015April 12, 2024
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

TRU
ULS
GSPC
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TransUnion (TRU) vs. UL (ULS), 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 TransUnion (TRU) and UL (ULS). Returns over one year are annualized.

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for TransUnion (TRU) and UL (ULS)
MetricTRUULS
Total Return (1Y)3.77%-3.81%
Total Return (3Y, Annualized)16.74%--
Total Return (5Y, Annualized)-5.77%--

Risk Profile

Drawdown History

TRU
ULS
GSPC
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TransUnion (TRU) vs. UL (ULS), 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 TransUnion (TRU) and UL (ULS). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

TransUnion (TRU) has an aggressive beta of 1.52, indicating higher sensitivity to broad-market moves, while UL (ULS) is defensive at 0.52 and tends to be less market-sensitive — they sit on opposite ends of the beta spectrum.

Risk profile metrics for TransUnion (TRU) and UL (ULS)
MetricTRUULS
Volatility (1Y, Annualized)42.86%42.88%
Beta (5Y)1.520.52
Max Drawdown (5Y)-63.37%-38.75%
Avg. Volume (3M)2.74M879.46K

Risk-Adjusted Performance

Risk-Return Positioning

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TRU and ULS 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 TransUnion (TRU) and UL (ULS)
MetricTRUULS
Sharpe Ratio (1Y)-0.01-0.19
Sortino Ratio (1Y)-0.02-0.28

Profitability

ROE (TTM)

UL (ULS) at 36.51% sits in the top ROE quartile, while TransUnion (TRU) at 16.96% is closer to the peer norm — stronger capital efficiency for ULS.

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%

ULS

Commercial & Professional Services industry group

36.51%

Max
47.06%
ULS
36.51%
Q3
25.43%
Median
14.11%
Q1
3.92%
Min
-20.15%
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TransUnion (TRU) vs. UL (ULS): A comparison of their ROE against the Commercial & Professional Services industry group benchmark.

Net Margin (TTM)

For every dollar of sales, both TransUnion (TRU) at 15.83% and UL (ULS) at 16.13% retain more as net profit than most peers, landing in the top net margin quartile of their industries.

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%

ULS

Commercial & Professional Services industry group

16.13%

Max
23.28%
ULS
16.13%
Q3
11.35%
Median
5.65%
Q1
0.87%
Min
-8.60%
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TransUnion (TRU) vs. UL (ULS): A comparison of their net margin against the Commercial & Professional Services industry group benchmark.

Operating Margin (TTM)

Both TransUnion (TRU) at 20.36% and UL (ULS) at 19.81% convert sales into operating profit at a top-quartile rate, pointing to tighter cost discipline before financing and tax.

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%

ULS

Commercial & Professional Services industry group

19.81%

Max
38.50%
ULS
19.81%
Q3
18.84%
Median
10.40%
Q1
5.59%
Min
-12.00%
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TransUnion (TRU) vs. UL (ULS): A comparison of their operating margin against the Commercial & Professional Services industry group benchmark.

Profitability Metrics

Profitability metrics for TransUnion (TRU) and UL (ULS)
MetricTRUULS
ROE (TTM)16.96%36.51%
ROA (TTM)5.25%11.46%
Net Margin (TTM)15.83%16.13%
Operating Margin (TTM)20.36%19.81%
Gross Margin (TTM)58.82%50.69%

Growth

Revenue Growth

Both TransUnion (TRU) at 9.38% and UL (ULS) at 6.38% 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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TransUnion (TRU) vs. UL (ULS): 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 UL (ULS) at -1.23% is closer to the peer norm — faster per-share earnings growth for TRU.

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

Growth Metrics

Growth metrics for TransUnion (TRU) and UL (ULS)
MetricTRUULS
Revenue Growth (YoY)9.38%6.38%
Revenue Growth (3Y CAGR)7.25%6.60%
EPS Growth (YoY)60.00%-1.23%
EPS Growth (3Y CAGR)18.34%2.98%

Financial Strength

Current Ratio (MRQ)

Both TransUnion (TRU) at 2.03 and UL (ULS) at 2.09 carry current ratio within their industries’ typical mid-ranges, suggesting balanced short-term liquidity relative to peers.

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

ULS

Commercial & Professional Services industry group

2.09

Max
3.63
Q3
2.14
ULS
2.09
Median
1.55
Q1
1.09
Min
0.45
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TransUnion (TRU) vs. UL (ULS): A comparison of their current ratio against the Commercial & Professional Services industry group benchmark.

Debt / Equity (MRQ)

Both TransUnion (TRU) at 1.10 and UL (ULS) at 0.54 fund their balance sheets with roughly industry-typical debt-to-equity mixes.

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

ULS

Commercial & Professional Services industry group

0.54

Max
2.37
Q3
1.25
Median
0.88
ULS
0.54
Q1
0.35
Min
0.00
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TransUnion (TRU) vs. UL (ULS): A comparison of their debt-to-equity ratio against the Commercial & Professional Services industry group benchmark.

Financial Strength Metrics

Financial strength metrics for TransUnion (TRU) and UL (ULS)
MetricTRUULS
Current Ratio (MRQ)2.032.09
Debt / Equity (MRQ)1.100.54
Net Debt / EBITDA2.90-0.11

Dividends

Dividend Yield (TTM)

Both TransUnion (TRU) at 0.62% and UL (ULS) at 0.74% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

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%

ULS

Commercial & Professional Services industry group

0.74%

Max
4.33%
Q3
1.80%
ULS
0.74%
Median
0.60%
Q1
0.00%
Min
0.00%
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TransUnion (TRU) vs. UL (ULS): A comparison of their dividend yield against the Commercial & Professional Services industry group benchmark.

Dividend Payout Ratio (TTM)

Both TransUnion (TRU) at 11.92% and UL (ULS) at 22.42% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

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%

ULS

Commercial & Professional Services industry group

22.42%

Max
99.58%
Q3
41.99%
ULS
22.42%
Median
17.27%
Q1
0.00%
Min
-17.94%
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TransUnion (TRU) vs. UL (ULS): A comparison of their payout ratio against the Commercial & Professional Services industry group benchmark.

Dividend Metrics

Dividend metrics for TransUnion (TRU) and UL (ULS)
MetricTRUULS
Dividend Yield (TTM)0.62%0.74%
Dividend Payout Ratio (TTM)11.92%22.42%

Valuation

P/E Ratio (TTM)

Both TransUnion (TRU) at 19.75 and UL (ULS) at 31.21 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

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

ULS

Commercial & Professional Services industry group

31.21

Max
49.47
Q3
33.76
ULS
31.21
Median
24.16
Q1
16.01
Min
1.89
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TransUnion (TRU) vs. UL (ULS): 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 UL (ULS) at 4.98 sits in the pricier quartile — ULS costs more per dollar of sales.

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

ULS

Commercial & Professional Services industry group

4.98

Max
7.17
ULS
4.98
Q3
3.35
Median
1.33
Q1
0.69
Min
0.11
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TransUnion (TRU) vs. UL (ULS): A comparison of their P/S ratio against the Commercial & Professional Services industry group benchmark.

P/B Ratio (MRQ)

TransUnion (TRU) at 3.19 is valued about in line with its industry on P/B ratio, while UL (ULS) at 9.32 carries an above-peer premium to book — ULS is pricier on assets.

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

ULS

Commercial & Professional Services industry group

9.32

Max
11.25
ULS
9.32
Q3
6.08
Median
2.92
Q1
1.55
Min
-2.78
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TransUnion (TRU) vs. UL (ULS): A comparison of their P/B ratio against the Commercial & Professional Services industry group benchmark.

Valuation Metrics

Valuation metrics for TransUnion (TRU) and UL (ULS)
MetricTRUULS
P/E Ratio (TTM)19.7531.21
P/S Ratio (TTM)3.074.98
P/B Ratio (MRQ)3.199.32
Free Cash Flow Yield (TTM)5.91%2.94%