Dividend Power Score
A single, comprehensive score designed to measure the true strength of a company’s dividend.
This score combines three essential pillars of dividend quality:
Consistency – Measures how reliable the dividend has been over time, focusing on payment history, stability, and the absence of cuts or suspensions.
Payability – Assesses the company’s financial ability to sustain its dividend, taking into account cash flow, earnings coverage, balance sheet strength, and overall financial health.
Growth – Evaluates the long-term growth of both the dividend and the company’s share price, highlighting businesses that consistently increase payouts while creating shareholder value.
Higher scores identify companies that have historically delivered dependable income alongside sustained dividend growth and long-term capital appreciation.
Company Overview
TransUnion is a global information and insights company that operates primarily in the credit reporting, information services, and data analytics industries. The company collects, aggregates, and analyzes consumer and business data to help organizations assess risk, prevent fraud, comply with regulations, and make informed decisions. Its core customers include financial institutions, insurers, telecommunications providers, retailers, governments, and consumers seeking to understand and manage their credit profiles.
Founded in 1968 as a railcar leasing business, TransUnion transitioned into credit information services in the late 1960s and early 1970s, a transformation that ultimately defined its long-term strategy. The company went public in 2015 and is now one of the three largest consumer credit reporting agencies in the United States. Its strategic advantage lies in its large-scale proprietary data assets, advanced analytics capabilities, and integrated consumer and business solutions across multiple industries.
Business Operations
TransUnion generates revenue through several operating segments, primarily U.S. Markets, International, and Consumer Interactive. The U.S. Markets segment provides credit reporting, risk and fraud analytics, identity management, and marketing solutions to lenders and enterprises. The International segment offers similar services across global markets, tailored to local regulatory environments and data ecosystems. The Consumer Interactive segment delivers subscription-based credit monitoring, identity protection, and financial management tools directly to consumers.
The company controls extensive proprietary databases, including credit files on hundreds of millions of consumers worldwide, and leverages advanced analytics, machine learning, and decisioning platforms. TransUnion operates through numerous subsidiaries, including TransUnion LLC and TransUnion Interactive, Inc., and maintains partnerships with financial institutions, fintech companies, and government entities to expand data coverage and service offerings.
Strategic Position & Investments
TransUnion’s strategy focuses on expanding beyond traditional credit reporting into higher-growth areas such as fraud prevention, identity verification, trended credit data, and advanced analytics. The company continues to invest heavily in technology platforms that integrate data, analytics, and decisioning to support real-time risk assessment and customer engagement across digital channels.
Growth has also been driven by targeted acquisitions and investments, including the acquisition of Neustar, Inc., which significantly enhanced TransUnion’s identity resolution, marketing analytics, and fraud capabilities. The company has also invested in regional credit bureaus, data aggregators, and analytics providers to strengthen its international footprint and deepen sector-specific expertise, particularly in financial services and digital commerce.
Geographic Footprint
TransUnion is headquartered in North America with its corporate headquarters in Chicago, Illinois, and maintains a substantial presence across the United States. Internationally, the company operates in more than 30 countries, with significant operations in Latin America, India, Africa, Canada, the United Kingdom, and parts of Asia-Pacific.
The company’s global footprint includes both mature credit markets and emerging economies, where TransUnion often plays a role in developing national credit infrastructures. Through international investments and partnerships, the company exerts operational and data influence across multiple continents, supporting lenders and governments in expanding access to credit and improving financial inclusion.
Leadership & Governance
TransUnion is led by an executive team with deep experience in data, analytics, financial services, and technology. Leadership emphasizes data stewardship, regulatory compliance, innovation, and responsible use of consumer information, with a stated strategic vision centered on enabling trust in the modern economy.
Key executives include:
- Chris Cartwright – President and Chief Executive Officer
- Todd Cello – Chief Financial Officer
- Heather Russell – Chief Legal Officer and Corporate Secretary
- Steve Chaouki – President, U.S. Markets
- Shawn Riegsecker – President, International