S&P 500   5,051.41
DOW   37,798.97
QQQ   431.10
Stock market today: Most of Wall Street slips as expectations rise for rates to stay high
Kinder Morgan Stock Bid Up In An Oil Breakout
ASML’s Earnings Could Bring The Stock to New Highs
3 Computer Vision Stocks for Long-Term Gains From AI
Undervalued UnitedHealth Group Won’t Be For Long
Closing prices for crude oil, gold and other commodities
DocuSign and The Case for 66% Upside 
S&P 500   5,051.41
DOW   37,798.97
QQQ   431.10
Stock market today: Most of Wall Street slips as expectations rise for rates to stay high
Kinder Morgan Stock Bid Up In An Oil Breakout
ASML’s Earnings Could Bring The Stock to New Highs
3 Computer Vision Stocks for Long-Term Gains From AI
Undervalued UnitedHealth Group Won’t Be For Long
Closing prices for crude oil, gold and other commodities
DocuSign and The Case for 66% Upside 
S&P 500   5,051.41
DOW   37,798.97
QQQ   431.10
Stock market today: Most of Wall Street slips as expectations rise for rates to stay high
Kinder Morgan Stock Bid Up In An Oil Breakout
ASML’s Earnings Could Bring The Stock to New Highs
3 Computer Vision Stocks for Long-Term Gains From AI
Undervalued UnitedHealth Group Won’t Be For Long
Closing prices for crude oil, gold and other commodities
DocuSign and The Case for 66% Upside 
S&P 500   5,051.41
DOW   37,798.97
QQQ   431.10
Stock market today: Most of Wall Street slips as expectations rise for rates to stay high
Kinder Morgan Stock Bid Up In An Oil Breakout
ASML’s Earnings Could Bring The Stock to New Highs
3 Computer Vision Stocks for Long-Term Gains From AI
Undervalued UnitedHealth Group Won’t Be For Long
Closing prices for crude oil, gold and other commodities
DocuSign and The Case for 66% Upside 

Compare Stocks

Comparative Price Performance Over Time

Compare Stocks - Price & Volume

CompanyCurrent Price50-Day Moving Average52-Week RangeMarket CapBetaAvg. VolumeToday's Volume
CreditRiskMonitor.com, Inc. stock logo
CRMZ
CreditRiskMonitor.com
$2.06
-1.9%
$2.17
$2.01
$2.97
$22.08M0.159,600 shs20,801 shs
Equifax Inc. stock logo
EFX
Equifax
$238.55
-1.8%
$259.32
$159.95
$275.10
$29.64B1.51776,154 shs1.06 million shs
Moody's Co. stock logo
MCO
Moody's
$370.32
-0.9%
$386.23
$296.45
$407.62
$67.58B1.27721,457 shs900,044 shs
PRA Group, Inc. stock logo
PRAA
PRA Group
$22.31
-3.1%
$24.98
$11.85
$38.88
$875.67M1.46220,111 shs171,093 shs
TransUnion stock logo
TRU
TransUnion
$69.78
-2.9%
$76.73
$42.09
$82.75
$13.55B1.611.61 million shs3.75 million shs
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Price Performance

Company1-Day Performance7-Day Performance30-Day Performance90-Day Performance1-Year Performance
CreditRiskMonitor.com, Inc. stock logo
CRMZ
CreditRiskMonitor.com
+1.94%+0.96%-4.11%-8.30%-25.80%
Equifax Inc. stock logo
EFX
Equifax
-1.65%-6.23%-3.96%-1.43%+24.28%
Moody's Co. stock logo
MCO
Moody's
-0.96%-5.69%-2.76%-2.15%+23.56%
PRA Group, Inc. stock logo
PRAA
PRA Group
-5.62%-10.81%+0.79%+3.46%-40.49%
TransUnion stock logo
TRU
TransUnion
-2.30%-8.83%-6.59%+2.97%+13.09%

MarketRank™

CompanyOverall ScoreAnalyst's OpinionShort Interest ScoreDividend StrengthESG ScoreNews and Social Media SentimentCompany OwnershipEarnings & Valuation
CreditRiskMonitor.com, Inc. stock logo
CRMZ
CreditRiskMonitor.com
N/AN/AN/AN/AN/AN/AN/AN/A
Equifax Inc. stock logo
EFX
Equifax
4.5598 of 5 stars
2.45.01.73.92.01.72.5
Moody's Co. stock logo
MCO
Moody's
4.7249 of 5 stars
2.33.03.33.22.62.53.1
PRA Group, Inc. stock logo
PRAA
PRA Group
3.7454 of 5 stars
3.54.00.00.03.11.72.5
TransUnion stock logo
TRU
TransUnion
4.3436 of 5 stars
3.33.00.84.42.10.81.9

Analyst Ratings

CompanyConsensus Rating ScoreConsensus RatingConsensus Price Target% Upside from Current Price
CreditRiskMonitor.com, Inc. stock logo
CRMZ
CreditRiskMonitor.com
N/AN/AN/AN/A
Equifax Inc. stock logo
EFX
Equifax
2.82
Moderate Buy$267.0011.93% Upside
Moody's Co. stock logo
MCO
Moody's
2.69
Moderate Buy$397.757.41% Upside
PRA Group, Inc. stock logo
PRAA
PRA Group
3.00
Buy$36.0061.36% Upside
TransUnion stock logo
TRU
TransUnion
2.67
Moderate Buy$81.4716.75% Upside

Current Analyst Ratings

Latest PRAA, CRMZ, TRU, EFX, and MCO Analyst Ratings

DateCompanyBrokerageActionRatingPrice TargetDetails
4/9/2024
Equifax Inc. stock logo
EFX
Equifax
Oppenheimer
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Boost Price TargetOutperform ➝ Outperform$273.00 ➝ $291.00
4/9/2024
TransUnion stock logo
TRU
TransUnion
Oppenheimer
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Boost Price TargetOutperform ➝ Outperform$81.00 ➝ $90.00
4/2/2024
Moody's Co. stock logo
MCO
Moody's
Oppenheimer
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Boost Price TargetOutperform ➝ Outperform$411.00 ➝ $424.00
4/2/2024
Moody's Co. stock logo
MCO
Moody's
Barclays
Subscribe to MarketBeat All Access for the recommendation accuracy rating
UpgradeEqual Weight ➝ Overweight$375.00 ➝ $450.00
4/1/2024
TransUnion stock logo
TRU
TransUnion
Bank of America
Subscribe to MarketBeat All Access for the recommendation accuracy rating
UpgradeUnderperform ➝ Neutral$65.00 ➝ $90.00
3/26/2024
TransUnion stock logo
TRU
TransUnion
Evercore ISI
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Boost Price TargetIn-Line ➝ In-Line$70.00 ➝ $80.00
2/16/2024
PRA Group, Inc. stock logo
PRAA
PRA Group
JMP Securities
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Boost Price TargetMarket Outperform ➝ Market Outperform$26.00 ➝ $33.00
2/14/2024
Moody's Co. stock logo
MCO
Moody's
Robert W. Baird
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Lower Price TargetOutperform ➝ Outperform$425.00 ➝ $405.00
2/14/2024
Moody's Co. stock logo
MCO
Moody's
Wells Fargo & Company
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Lower Price TargetOverweight ➝ Overweight$455.00 ➝ $420.00
2/14/2024
Moody's Co. stock logo
MCO
Moody's
UBS Group
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Boost Price TargetNeutral ➝ Neutral$355.00 ➝ $380.00
2/14/2024
Moody's Co. stock logo
MCO
Moody's
Royal Bank of Canada
Subscribe to MarketBeat All Access for the recommendation accuracy rating
Reiterated RatingOutperform ➝ Outperform$450.00
(Data available from 4/16/2021 forward. View 10+ years of historical ratings with our analyst ratings screener.)

Sales & Book Value

CompanyAnnual RevenuePrice/SalesCashflowPrice/CashBook ValuePrice/Book
CreditRiskMonitor.com, Inc. stock logo
CRMZ
CreditRiskMonitor.com
$18.93M1.17$0.18 per share11.54$0.87 per share2.37
Equifax Inc. stock logo
EFX
Equifax
$5.27B5.63$11.38 per share20.97$36.95 per share6.46
Moody's Co. stock logo
MCO
Moody's
$5.92B11.42$11.78 per share31.44$19.00 per share19.49
PRA Group, Inc. stock logo
PRAA
PRA Group
$802.55M1.09N/AN/A$31.58 per share0.71
TransUnion stock logo
TRU
TransUnion
$3.83B3.54$7.38 per share9.45$21.19 per share3.29

Profitability & Earnings

CompanyNet IncomeEPSTrailing P/E RatioForward P/E RatioP/E GrowthNet MarginsReturn on Equity (ROE)Return on Assets (ROA)Next Earnings Date
CreditRiskMonitor.com, Inc. stock logo
CRMZ
CreditRiskMonitor.com
$1.70M$0.1612.88N/A8.95%19.74%7.36%N/A
Equifax Inc. stock logo
EFX
Equifax
$545.30M$4.4054.2224.691.9410.36%19.40%6.97%4/17/2024 (Confirmed)
Moody's Co. stock logo
MCO
Moody's
$1.61B$8.7342.4230.063.0127.16%55.23%12.52%4/23/2024 (Estimated)
PRA Group, Inc. stock logo
PRAA
PRA Group
-$83.48M-$2.13N/A12.75N/A-10.40%-6.82%-1.88%5/6/2024 (Confirmed)
TransUnion stock logo
TRU
TransUnion
-$206.20M-$1.49N/A17.581.13-7.50%13.58%5.09%4/25/2024 (Confirmed)

Latest PRAA, CRMZ, TRU, EFX, and MCO Earnings

DateQuarterCompanyConsensus EstimateReported EPSBeat/MissGap EPSRevenue EstimateActual RevenueDetails
5/6/2024N/A
PRA Group, Inc. stock logo
PRAA
PRA Group
-$0.15N/A+$0.15N/AN/AN/A  
4/25/2024N/A
TransUnion stock logo
TRU
TransUnion
$0.71N/A-$0.71N/AN/AN/A  
4/17/2024N/A
Equifax Inc. stock logo
EFX
Equifax
$1.42$1.44+$0.02N/AN/AN/A  
3/21/2024Q4 2023
CreditRiskMonitor.com, Inc. stock logo
CRMZ
CreditRiskMonitor.com
N/A$0.05+$0.05$0.05N/A$4.87 million
2/15/2024Q4 2023
PRA Group, Inc. stock logo
PRAA
PRA Group
-$0.35-$0.22+$0.13-$0.22$208.25 million$221.42 million    
2/13/202412/31/2023
Moody's Co. stock logo
MCO
Moody's
$2.33$2.19-$0.14$2.53$1.48 billion$1.48 billion      
2/13/202412/31/2023
TransUnion stock logo
TRU
TransUnion
$0.72$0.80+$0.08$1.37$927.04 million$954.00 million    
2/7/2024Q4 23
Equifax Inc. stock logo
EFX
Equifax
$1.74$1.81+$0.07$2.56$1.31 billion$1.33 billion    

Dividends

CompanyAnnual PayoutDividend Yield3-Year Dividend GrowthPayout RatioYears of Consecutive Growth
CreditRiskMonitor.com, Inc. stock logo
CRMZ
CreditRiskMonitor.com
N/AN/AN/AN/AN/A
Equifax Inc. stock logo
EFX
Equifax
$1.560.65%N/A35.45%N/A
Moody's Co. stock logo
MCO
Moody's
$3.400.92%+11.20%38.95%15 Years
PRA Group, Inc. stock logo
PRAA
PRA Group
N/AN/AN/AN/AN/A
TransUnion stock logo
TRU
TransUnion
$0.420.60%+11.87%N/A N/A

Latest PRAA, CRMZ, TRU, EFX, and MCO Dividends

AnnouncementCompanyPeriodAmountYieldEx-Dividend DateRecord DatePayable Date
2/22/2024
TransUnion stock logo
TRU
TransUnion
Quarterly$0.10500.55%3/6/20243/7/20243/22/2024
2/7/2024
Equifax Inc. stock logo
EFX
Equifax
quarterly$0.390.65%2/22/20242/23/20243/15/2024
2/13/2024
Moody's Co. stock logo
MCO
Moody's
quarterly$0.850.9%2/22/20242/23/20243/15/2024
(Data available from 1/1/2013 forward)

Debt

CompanyDebt-to-Equity RatioCurrent RatioQuick Ratio
CreditRiskMonitor.com, Inc. stock logo
CRMZ
CreditRiskMonitor.com
N/A
1.51
1.51
Equifax Inc. stock logo
EFX
Equifax
1.04
0.67
0.67
Moody's Co. stock logo
MCO
Moody's
2.01
1.74
1.74
PRA Group, Inc. stock logo
PRAA
PRA Group
N/A
1.19
1.19
TransUnion stock logo
TRU
TransUnion
1.28
1.47
1.47

Ownership

Institutional Ownership

CompanyInstitutional Ownership
CreditRiskMonitor.com, Inc. stock logo
CRMZ
CreditRiskMonitor.com
N/A
Equifax Inc. stock logo
EFX
Equifax
96.20%
Moody's Co. stock logo
MCO
Moody's
92.11%
PRA Group, Inc. stock logo
PRAA
PRA Group
97.22%
TransUnion stock logo
TRU
TransUnion
N/A

Insider Ownership

CompanyInsider Ownership
CreditRiskMonitor.com, Inc. stock logo
CRMZ
CreditRiskMonitor.com
59.48%
Equifax Inc. stock logo
EFX
Equifax
1.66%
Moody's Co. stock logo
MCO
Moody's
0.07%
PRA Group, Inc. stock logo
PRAA
PRA Group
2.00%
TransUnion stock logo
TRU
TransUnion
0.28%

Miscellaneous

CompanyEmployeesShares OutstandingFree FloatOptionable
CreditRiskMonitor.com, Inc. stock logo
CRMZ
CreditRiskMonitor.com
9910.72 million4.35 millionNot Optionable
Equifax Inc. stock logo
EFX
Equifax
14,900124.23 million122.17 millionOptionable
Moody's Co. stock logo
MCO
Moody's
15,151182.50 million182.37 millionOptionable
PRA Group, Inc. stock logo
PRAA
PRA Group
3,15539.25 million38.46 millionOptionable
TransUnion stock logo
TRU
TransUnion
13,200194.23 million193.69 millionOptionable

PRAA, CRMZ, TRU, EFX, and MCO Headlines

SourceHeadline
Lecap Asset Management Ltd. Buys Shares of 14,647 TransUnion (NYSE:TRU)Lecap Asset Management Ltd. Buys Shares of 14,647 TransUnion (NYSE:TRU)
marketbeat.com - April 14 at 12:34 PM
DekaBank Deutsche Girozentrale Boosts Stock Holdings in TransUnion (NYSE:TRU)DekaBank Deutsche Girozentrale Boosts Stock Holdings in TransUnion (NYSE:TRU)
marketbeat.com - April 12 at 5:35 AM
Balanced Outlook on TransUnion Amidst Consumer Lending Stability and Mortgage Performance OptimismBalanced Outlook on TransUnion Amidst Consumer Lending Stability and Mortgage Performance Optimism
markets.businessinsider.com - April 11 at 1:23 PM
5 questions to ask when helping an older parent with money5 questions to ask when helping an older parent with money
marketbeat.com - April 10 at 7:00 AM
TransUnion (NYSE:TRU) Price Target Raised to $90.00 at OppenheimerTransUnion (NYSE:TRU) Price Target Raised to $90.00 at Oppenheimer
americanbankingnews.com - April 10 at 3:28 AM
TransUnion (NYSE:TRU) Given New $90.00 Price Target at OppenheimerTransUnion (NYSE:TRU) Given New $90.00 Price Target at Oppenheimer
marketbeat.com - April 9 at 8:49 AM
ID5 Announces $20 Million in Series B FundingID5 Announces $20 Million in Series B Funding
businesswire.com - April 9 at 7:11 AM
Fraudulent Activities: Majority of Property Managers Experienced Fraud in Past 2 Years – ReportFraudulent Activities: Majority of Property Managers Experienced Fraud in Past 2 Years – Report
crowdfundinsider.com - April 7 at 3:22 PM
DAVENPORT & Co LLC Purchases 17,961 Shares of TransUnion (NYSE:TRU)DAVENPORT & Co LLC Purchases 17,961 Shares of TransUnion (NYSE:TRU)
marketbeat.com - April 7 at 5:27 AM
TransUnion unites global operations on multicloud analytics and AI platformTransUnion unites global operations on multicloud analytics and AI platform
siliconangle.com - April 5 at 5:15 PM
Reasons to Retain TransUnion (TRU) in Your Portfolio NowReasons to Retain TransUnion (TRU) in Your Portfolio Now
zacks.com - April 5 at 1:46 PM
Raymond James & Associates Trims Stock Position in TransUnion (NYSE:TRU)Raymond James & Associates Trims Stock Position in TransUnion (NYSE:TRU)
marketbeat.com - April 5 at 4:16 AM
Six out of 10 Property Managers Experienced Fraud in Past Two YearsSix out of 10 Property Managers Experienced Fraud in Past Two Years
finance.yahoo.com - April 4 at 11:11 AM
Bridges Investment Management Inc. Sells 200,015 Shares of TransUnion (NYSE:TRU)Bridges Investment Management Inc. Sells 200,015 Shares of TransUnion (NYSE:TRU)
marketbeat.com - April 4 at 10:13 AM
MRI-Simmons Partners with TransUnionMRI-Simmons Partners with TransUnion
mrweb.com - April 4 at 12:05 AM
TransUnion (NYSE:TRU) Shares Gap Down  After Insider SellingTransUnion (NYSE:TRU) Shares Gap Down After Insider Selling
marketbeat.com - April 3 at 10:25 AM
TransUnion (NYSE:TRU) Insider Sells $144,307.50 in StockTransUnion (NYSE:TRU) Insider Sells $144,307.50 in Stock
insidertrades.com - April 3 at 5:00 AM
TransUnion President, US Markets & Commercial Insights Steven Chaouki Sells 1,775 SharesTransUnion President, US Markets & Commercial Insights Steven Chaouki Sells 1,775 Shares
finance.yahoo.com - April 3 at 4:03 AM
TransUnion and MRI-Simmons Collaborate to Enable Addressability throughout the Advertising EcosystemTransUnion and MRI-Simmons Collaborate to Enable Addressability throughout the Advertising Ecosystem
globenewswire.com - April 2 at 8:00 AM
TransUnion Takes Minority Stake in Indias DeepTech Startup SatSure to Revolutionize Agricultural FinanceTransUnion Takes Minority Stake in India's DeepTech Startup SatSure to Revolutionize Agricultural Finance
devdiscourse.com - April 2 at 2:59 AM
TransUnion upgraded at BofA on steadying consumer-credit backdropTransUnion upgraded at BofA on steadying consumer-credit backdrop
msn.com - April 1 at 4:58 PM
Those who invested in TransUnion (NYSE:TRU) a year ago are up 33%Those who invested in TransUnion (NYSE:TRU) a year ago are up 33%
finance.yahoo.com - April 1 at 9:53 AM
TransUnion (NYSE:TRU) Lifted to "Neutral" at Bank of AmericaTransUnion (NYSE:TRU) Lifted to "Neutral" at Bank of America
marketbeat.com - April 1 at 8:21 AM
Gradient Investments LLC Sells 171,423 Shares of TransUnion (NYSE:TRU)Gradient Investments LLC Sells 171,423 Shares of TransUnion (NYSE:TRU)
marketbeat.com - April 1 at 5:20 AM

New MarketBeat Followers Over Time

Media Sentiment Over Time

Top Headlines

All Headlines

Company Descriptions

CreditRiskMonitor.com logo

CreditRiskMonitor.com

OTCMKTS:CRMZ
CreditRiskMonitor.com, Inc. engages in the provision of interactive business-to-business software-as-a-service (Saas) subscription products for corporate credit and procurement professionals in the United States. The company's products include CreditRiskMonitor product provides subscribers with unlimited usage and coverage of public and private companies, featuring multi-period spreads of financial reports and ratio analysis, credit risk scores, payment-behavior scores, trend reports, peer analysis, and credit limit recommendations, as well as up-to-date financial news screened specifically for materiality in credit evaluation; and SupplyChainMonitor, creates a risk management solution built specifically for procurement, supply chain, sourcing, and finance personnel involved in the supplier lifecycle, risk assessment, and ongoing risk monitoring. It also offers add-on subscription services, including Credit Limit Service product, available on the CreditRiskMonitor platform product, helps subscribers manage credit line limits for their customers, in light of changes in the customers' financial strength; Financial Statement Processing, and Confidential Financial Statement Tool products, provides subscribers a flexible option to help ease their process in the data entry and standardization of private company financial statements, as well as provides private company FRISK® scores; and Confidential Financial Statement Portal, allows subscribers to invite their private company counterparties to enter or upload confidential financial statements to standardize and score to provide private company FRISK® scores. The company was incorporated in 1977 and is based in Valley Cottage, New York. CreditRiskMonitor.com, Inc. operates as a subsidiary of Flum Partners.
Equifax logo

Equifax

NYSE:EFX
Equifax Inc. operates as a data, analytics, and technology company. The company operates through three segments: Workforce Solutions, U.S. Information Solutions (USIS), and International. The Workforce Solutions segment offers services that enables customers to verify income, employment, educational history, criminal justice data, healthcare professional licensure, and sanctions of people in the United States; and employer customers with services that assist them in complying with and automating payroll-related and human resource management processes throughout the entire cycle of the employment relationship. The USIS segment provides consumer and commercial information services, such as credit information and credit scoring, credit modeling and portfolio analytics, locate, fraud detection and prevention, identity verification, and other consulting services; mortgage services; financial marketing services; identity management services; and credit monitoring products. The International segment offers information service products, which include consumer and commercial services, such as credit and financial information, and credit scoring and modeling; and credit and other marketing products and services, as well as offers information, technology, and other services to support debt collections and recovery management. The company serves customers in financial services, mortgage, retail, telecommunications, utilities, automotive, brokerage, healthcare, and insurance industries, as well as government agencies. It operates in Argentina, Australia, Brazil, Canada, Chile, Costa Rica, Dominican Republic, Ecuador, El Salvador, Honduras, India, Ireland, Mexico, New Zealand, Paraguay, Peru, Portugal, Spain, the United Kingdom, Uruguay, and the United States. The company was founded in 1899 and is headquartered in Atlanta, Georgia.
Moody

Moody's

NYSE:MCO
Moody's Corporation operates as an integrated risk assessment firm worldwide. It operates in two segments, Moody's Analytics and Moody's Investors Services. The Moody's Analytics segment develops a range of products and services that support the risk management activities of institutional participants in financial markets. It also offers credit research, credit models and analytics, economics data and models, and structured finance solutions; data sets on companies and securities; and SaaS solutions supporting banking, insurance, and know your customer workflows. The Moody's Investors Service segment publishes credit ratings and provides assessment services on various debt obligations, programs and facilities, and entities that issue such obligations, such as various corporate, financial institution, and governmental obligations, as well as structured finance securities. The company was formerly known as Dun and Bradstreet Company and changed its name to Moody's Corporation in September 2000. Moody's Corporation was founded in 1900 and is headquartered in New York, New York.
PRA Group logo

PRA Group

NASDAQ:PRAA
PRA Group, Inc., a financial and business services company, engages in the purchase, collection, and management of portfolios of nonperforming loans worldwide. It is involved in the purchase of accounts that are primarily the unpaid obligations of individuals owed to credit originators, which include banks and other types of consumer, retail, and auto finance companies. The company also acquires nonperforming loans, including Visa and MasterCard credit card accounts, private label and other credit card accounts, personal loans, automobile loans, and small business loans from banks, credit unions, consumer finance companies, retailers, utilities, automobile finance companies, and other credit originators. In addition, it provides fee-based services on class action claims recoveries. The company was formerly known as Portfolio Recovery Associates, Inc. and changed its name to PRA Group, Inc. in October 2014. PRA Group, Inc. was founded in 1996 and is headquartered in Norfolk, Virginia.
TransUnion logo

TransUnion

NYSE:TRU
TransUnion operates as a global consumer credit reporting agency that provides risk and information solutions. The company operates through U.S. Markets, International, and Consumer Interactive segments. The U.S. Markets segment provides consumer reports, actionable insights, and analytic services to businesses, which uses its services to acquire new customers; assess consumer ability to pay for services; identify cross-selling opportunities; measure and manage debt portfolio risk; collect debt; verify consumer identities; and mitigate fraud risk. This segment serves various industry vertical markets, including financial services, technology, commerce and communications, insurance, media, services and collections, tenant and employment, and public sectors. The International segment offers credit reports, analytics, technology solutions, and other value-added risk management services; consumer services, which help consumers to manage their personal finances; consumer credit reporting, insurance and auto information solutions, and commercial credit information services. It serves customers in financial services, retail credit, insurance, automotive, collections, public sector, and communications industries through direct and indirect channels. The company was formerly known as TransUnion Holding Company, Inc. and changed its name to TransUnion in March 2015. TransUnion was founded in 1968 and is headquartered in Chicago, Illinois.