TransUnion Will Enjoy Steady Consumer Lending Environment Following Volatile Year: Analyst
TransUnion Will Enjoy Steady Consumer Lending Environment Following Volatile Year: Analyst
Bank of America Securities analyst Heather Balsky upgraded TransUnion (NYSE:TRU) to Neutral from Underperform and raised the price target to $90 from $65.
美国银行证券分析师希瑟·巴尔斯基将TransUnion（纽约证券交易所代码：TRU）从表现不佳上调至中性，并将目标股价从65美元上调至90美元。
The analyst is positive amid a steadying consumer lending environment and expects sales upside in the 2024 guidance across international, insurance, and mortgage.
在稳定的消费者贷款环境下，该分析师持乐观态度，并预计2024年国际、保险和抵押贷款领域的销售额将有所上升。
The company has "greater exigency to meet or beat" following an unpredictable and volatile business in 2023, Balsky says.
巴尔斯基说，在2023年出现不可预测和动荡的业务之后，该公司 “有更大的需求需要满足或克服”。
TransUnion has left room to beat on its sales plans for the big insurers' returning to marketing, momentum in overseas business (estimates a growth of 12% vs. high-single-digit guidance), and mortgage recovery (estimated mortgage revenues +30% vs. +25% guide).
TransUnion在大型保险公司恢复营销、海外业务势头（估计与个位数高的预期相比增长12％）和抵押贷款回收（预计抵押贷款收入增长30％，预期为+25％）方面的销售计划留出了余地。
Moreover, Balsky projects less uncertainty related to consumer lending this year, with the prospect of a soft landing and Fed rate cuts being positives.
此外，巴尔斯基预计，今年与消费者贷款相关的不确定性会降低，软着陆和美联储降息的前景是积极的。
Notably, BofA's US economics team projects 2.1% GDP growth (raised from 1.2% prior) in 2024 and three rate cuts, with the first expected in June.
值得注意的是，美银的美国经济团队预计，2024年国内生产总值将增长2.1％（高于之前的1.2％），并将三次降息，首次降息预计在6月。
The analyst estimates EPS of $3.75 (vs. consensus of $3.71) in 2024, $4.46 (vs. street view of $4.42) in 2025, and $5.05 (cons.: $5.03) in 2026.
该分析师估计，2024年的每股收益为3.75美元（市场普遍为3.71美元），2025年为4.46美元（街景为4.42美元），2026年为5.05美元（缺点：5.03美元）。
Investors can gain exposure to the stock via VanEck Morningstar Wide Moat ETF (BATS:MOAT) and Nuveen ESG Mid-Cap Growth ETF (BATS:NUMG).
投资者可以通过VanEck Morningstar Wide Morningstar Wide Moat ETF（BATS: MOAT）和Nuveen ESG中型股增长ETF（BATS: NUMG）获得股票敞口。
Price Action: TRU shares are trading lower by 0.41% at $79.47 on the last check Monday.
价格走势：周一的最后一次支票中，TRU股价下跌0.41％，至79.47美元。
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