Happen, Inc. vs TransUnion, two Credit Services stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Where LC and TRU diverge most: on debt / equity, LC reads 0.00 and TRU reads 1.14; on altman z (solvency), LC reads 0.20 and TRU reads 2.20. The rest of the comparable metrics sit closer together. What TRU's price implies is a demanding bet versus history and the cohort (whole-company basis). The bull and bear cases for each are in their full reports below.
| Metric | LC | TRU |
|---|---|---|
| Price | $19.20 | $78.64 |
| Market cap | $2.3B | $15.3B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Mature |
| P/E | 11.5 | 21.8 |
| P/B | 1.44 | 3.11 |
| P/S | 2.15 | 3.24 |
| EV/EBITDA | — | 14.0 |
| Revenue growth | +19.1% | +11.0% |
| Operating margin | — | 19.6% |
| Net margin | 18.7% | 14.9% |
| Return on equity | 12.5% | 14.3% |
| Return on assets | 1.6% | 5.8% |
| Dividend yield | — | 0.6% |
| Debt / equity | 0.00 | 1.14 |
| Current ratio | — | 1.93 |
| Altman Z (solvency) | 0.20 | 2.20 |
| Piotroski F (quality) | 5 / 9 | 6 / 9 |
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The stronger value is highlighted per metric where one is strictly better on that single number; it is not an overall verdict on either company. For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.