Abstract
The US personal credit reporting market is dominated by Experian, Equifax, and TransUnion. Financial changes in any of these companies can potentially affect the entire market. Utilizing the DuPont analysis and the data collected from TransUnions annual reports in EDGAR, this article unveils the four financial indicators encompassing TransUnions performance spanning from 2018 to 2022. Notably, TransUnion exhibited a commendable degree of stability and robustness within its financial landscape during 2018-2020. Nonetheless, the acquisition and divestiture undertakings in 2021 inadvertently inflated TransUnions profitability, thereby engendering an exaggerated assessment. The reverberations of the subsequent asset restructuring reverberated acutely in 2022, precipitating a substantial erosion in profitability and a marginal attenuation in TransUnions ability of asset management. Additionally, it puts forth a set of advanced recommendations for improving the current state of TransUnion. For instance. strategic asset integration and personnel optimization of acquired companies can effectively bolster capital turnover rates and profitability.
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