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.
美國銀行證券分析師希瑟·巴爾斯基將TransUnion（紐約證券交易所代碼：TRU）從表現不佳上調至中性，並將目標股價從65美元上調至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.
在穩定的消費者貸款環境下，該分析師持樂觀態度，並預計2024年國際、保險和抵押貸款領域的銷售額將有所上升。
The company has "greater exigency to meet or beat" following an unpredictable and volatile business in 2023, Balsky says.
巴爾斯基說，在2023年出現不可預測和動盪的業務之後，該公司 “有更大的需求需要滿足或克服”。
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在大型保險公司恢復營銷、海外業務勢頭（估計與個位數高的預期相比增長12％）和抵押貸款回收（預計抵押貸款收入增長30％，預期爲+25％）方面的銷售計劃留出了餘地。
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，巴爾斯基預計，今年與消費者貸款相關的不確定性會降低，軟着陸和聯儲局降息的前景是積極的。
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，美銀的美國經濟團隊預計，2024年國內生產總值將增長2.1％（高於之前的1.2％），並將三次降息，首次降息預計在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.
該分析師估計，2024年的每股收益爲3.75美元（市場普遍爲3.71美元），2025年爲4.46美元（街景爲4.42美元），2026年爲5.05美元（缺點：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).
投資者可以通過VanEck Morningstar Wide Morningstar Wide Moat ETF（BATS: MOAT）和Nuveen ESG中型股增長ETF（BATS: NUMG）獲得股票敞口。
Price Action: TRU shares are trading lower by 0.41% at $79.47 on the last check Monday.
價格走勢：週一的最後一次支票中，TRU股價下跌0.41％，至79.47美元。
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