SRCO vs TRU vs IX Stock Comparison

Sparta Commercial Services, TransUnion and Orix Prices as of Oct 27, 2026 Peers: Industry group
TRU TransUnion
$75.40 +9.0% 1M -11.7% 1Y
Market cap
$14.38B
P/E
18.1x
Revenue (TTM)
$5.04B
Div. yield
0.67%
Credit Bureaus Financial Services
4 wins
IX Orix Corp
$36.91 -5.9% 1M +48.2% 1Y
Market cap
$41.49B
P/E
10.3x
Revenue (TTM)
$55.33B
Div. yield
1.06%
Specialty Finance Financial Services
7 wins

Head to Head

11 decided of 12

Orix leads on 7 of the 12 questions below (Orix 7, TransUnion 4). Which ones matter depends on what you are buying for; a cheap multiple and slow growth often come together.

QuestionSRCOTRUIXLeader
Larger companyMarket capitalisation $3.82M $14.38B $41.49B IX
Cheaper on earningsLower P/E, profitable companies only -1.3x 18.1x 10.3x IX
Cheaper on forward earningsLower price / next fiscal year consensus EPS — 14.6x 8.0x IX
Faster revenue growthRevenue growth, trailing twelve months +1.9% +13.4% +2.8% TRU
More profitableNet margin, trailing twelve months -974.8% 15.8% 7.3% TRU
Better return on capitalReturn on invested capital — 7.7% 3.0% TRU
Less leveragedLower net debt / EBITDA — 2.9x — –
Higher dividend yieldTrailing dividend yield — 0.67% 1.06% IX
Better 1-year returnPrice return, last 12 months -53.3% -11.7% +48.2% IX
Better 5-year returnAnnualised price return, 5 years -2.6%/yr -8.0%/yr +13.3%/yr IX
Less volatileAnnualised volatility, 1 year 131.8% 43.2% 28.7% IX
Higher overall scoreMean of the five percentile scores vs peers 11/100 65/100 51/100 TRU

Percentile Scorecard

SRCOTRUIX

Each axis is the mean percentile of its metrics against the company's industry group. 100 is the best in the group, 50 the middle.

Scores by Axis

AxisSRCOTRUIX
Valuation 3 #164 of 169 44 #524 of 940 57 #73 of 169
Growth 32 #109 of 160 91 #61 of 655 76 #39 of 160
Profitability 14 #129 of 149 67 #209 of 633 60 #61 of 149
Financial Health 0 #157 of 158 56 #312 of 714 52 #77 of 158
Shareholder Returns 5 #129 of 136 69 #222 of 709 10 #123 of 136
Overall 11 65 51
  • SRCO ranked among 174 companies in Lending and Credit
  • TRU ranked among 1,003 companies in Financial Services
  • IX ranked among 174 companies in Lending and Credit

Price Performance

Price return, split-adjusted, before dividends. Click a name to hide or show it.

Returns

PeriodSRCOTRUIXSPY
1 month -12.5%+9.0%-5.9% -0.2%
3 months -22.2%-10.0%-5.8% +3.9%
6 months -22.2%+7.6%+13.5% +8.2%
Year to date -41.7%-12.1%+26.3% +12.9%
1 year -53.3%-11.7%+48.2% +12.3%
3 years -30.0%+72.9%+106.0% +87.4%
3 years, per year -11.2%+20.0%+27.3% +23.3%
5 years -12.5%-34.2%+86.6% +67.9%
5 years, per year -2.6%-8.0%+13.3% +10.9%
10 years -58.8%+141.3%+138.6% +261.1%
10 years, per year -8.5%+9.2%+9.1% +13.7%

Risk

MeasureSRCOTRUIXSPY
Volatility, 1Y 131.8%43.2%28.7% 12.7%
Downside volatility, 1Y 225.5%43.7%28.1% 12.7%
Beta vs S&P 500, 1Y 1.090.851.01 1.00
Return / volatility, 1Y -0.40-0.271.68 0.97
Max drawdown, 5Y -85.7%-63.7%-39.0% -25.4%
From 52-week high -61.1%-14.3%-10.7% -1.2%
52-week high $0.18$87.97$41.31 $779.14
52-week low $0.06$61.15$24.22 $631.97

Valuation History

Weekly multiples on trailing twelve-month fundamentals. Negative or extreme readings (a loss year, a collapsed denominator) are left out so the chart stays readable.

MultipleSRCOTRUIX
P/E now vs peer median -1.3xmedian 11.1x 18.1xmedian 13.0x 10.3xmedian 11.1x
P/S now vs peer median 12.9xmedian 2.6x 2.9xmedian 3.2x 0.7xmedian 2.6x
EV/EBITDA now vs peer median —median 13.5x 11.9xmedian 7.4x —median 13.5x
P/FCF now vs peer median -5.7xmedian 7.0x 15.8xmedian 10.8x —median 7.0x
P/B now vs peer median -0.3xmedian 0.7x 2.9xmedian 1.2x 1.4xmedian 0.7x
PEG now vs peer median 0.02median 0.32 0.20median 0.87 0.40median 0.32

Financial History

Reported figures by fiscal period, placed on the calendar year (or quarter) each period ended in, so companies with different fiscal years line up.

Trailing twelve monthsSRCOTRUIX
Revenue $296.32K $5.04B $55.33B
Gross profit $269.77K – $13.35B
Operating income -$2.29M $973.60M $3.05B
Net income -$2.91M $812.20M $4.10B
Free cash flow -$666.29K $910.10M –
EPS (diluted) $-0.05 $4.14 $3.58
Cash & equivalents $54.74K $883.10M $5.98B
Total debt $39.10M $5.46B $38.96B
Shares (diluted) 54.14M 192.60M 1.12B
Enterprise value $4.55M $11.22B $10.71B

All Metrics

58 metrics · best in bold

Bold marks the best reading: the lowest positive value for multiples, leverage and payout, the highest for everything else. The bar under each value is its percentile against that company's own peers. Hover a value for its rank and the peer median.

Valuation

12 metrics
MetricSRCOTRUIX
P/E -1.3x 18.1x 10.3x
P/FCF -5.7x 15.8x –
P/Operating cash flow -5.7x 11.9x –
P/S 12.9x 2.9x 0.7x
P/B -0.3x 2.9x 1.4x
P/Tangible book -0.3x 9.1x 1.4x
EV/EBITDA – 11.9x –
EV/EBIT -6.1x 19.5x 24.4x
EV/Revenue 47.0x 3.8x 1.3x
EV/FCF -20.9x 20.8x –
EV/Operating cash flow -20.9x 15.7x –
PEG (3Y EPS CAGR) 0.02 0.20 0.40

Growth

14 metrics
MetricSRCOTRUIX
Revenue growth (1Y) 1.9% 13.4% 2.8%
Revenue CAGR (3Y) 5.8% 10.1% 7.3%
Gross profit growth (1Y) 2.7% – 1,837%
Gross profit CAGR (3Y) 8.8% – -24.8%
Operating income growth (1Y) -97.2% 18.0% 24.1%
Operating income CAGR (3Y) -26.3% 66.5% 7.6%
Net income growth (1Y) -79.4% 86.3% 62.7%
Net income CAGR (3Y) -115.0% 93.7% 23.4%
EPS growth (1Y) -32.3% 94.3% 64.4%
EPS CAGR (3Y) -61.7% 89.7% 25.9%
Operating cash flow growth (1Y) 40.9% 31.0% –
Operating cash flow CAGR (3Y) 40.0% 21.5% –
Free cash flow growth (1Y) 40.9% 58.1% –
Free cash flow CAGR (3Y) 40.0% 36.9% –

Profitability

14 metrics
MetricSRCOTRUIX
Gross margin 91.0% – 24.1%
EBITDA margin – 31.7% –
Operating margin -772.6% 19.3% 5.5%
Pretax margin -1,069% 19.5% 11.1%
Net margin -974.8% 15.8% 7.3%
FCF margin -224.9% 18.1% –
Operating cash flow margin -224.9% 24.0% –
Return on equity – 16.2% 14.1%
Return on assets -2,283% 6.7% 3.6%
Return on invested capital – 7.7% 3.0%
Return on capital employed – 8.8% –
Asset turnover 2.3x 0.4x 0.5x
Cash conversion (OCF / net income) 0.2x 1.5x –
Stock comp / revenue 53.5% 3.0% –

Financial Health

11 metrics
MetricSRCOTRUIX
Debt / assets 10,856% 45.1% 34.6%
Debt / equity -0.7x 1.1x 1.3x
Net debt / EBITDA – 2.9x –
Debt / FCF -15.2x 6.0x –
Liabilities / assets 14,623% 58.6% 73.8%
Equity / assets -14,523% 41.4% 26.2%
Interest coverage -2.6x 3.8x 2.4x
Current ratio 0.0x 2.0x –
Quick ratio 0.0x 1.8x –
Cash ratio 0.0x 0.8x –
Altman Z-score -1,311 2.40 –

Shareholder Returns

7 metrics
MetricSRCOTRUIX
Dividend yield – 0.7% 1.1%
Net buyback yield -6.0% 2.6% –
Shareholder yield -6.0% 3.3% 1.1%
Payout ratio (earnings) – 11.9% –
Payout ratio (FCF) – 10.6% –
Dividend growth (1Y) – 8.2% –
Dividend CAGR (3Y) – 5.7% –

Analyst Estimates

Solid lines are reported fiscal-year results; dashed lines are the consensus for the years ahead. Hover a year for the analysts' high and low, and how each result compared with its estimate.

ConsensusSRCOTRUIX
Forward P/E – 14.6xFY2026 8.0xFY2026
EPS, next fiscal year – $5.16FY2026 $4.59FY2026
EPS growth, next FY – +20.0%FY2026 +80.7%FY2026
EPS growth, the year after – +8.5% -27.7%
Revenue, next fiscal year – $4.91BFY2026 $22.87BFY2026
Revenue growth, next FY – +7.2%FY2026 +8.2%FY2026
Revenue growth, the year after – +17.1% -3.2%

Institutional Ownership

13F filings, quarter ended Jun 30, 2026
HoldersSRCOTRUIX
Held by institutions – 100.0% 3.3%
Institutions holding – 524 318
Change in shares held, QoQ – +0.0% +9.5%
Institutions buying – 242 209
Institutions selling – 211 57
Buyers to sellers – 1.15 3.67

Return Correlation

Daily returns, last 12 months

1.00 means two stocks move in lockstep, 0 that they move independently. Pairs below about 0.5 diversify each other.

SRCOTRUIX
SRCO 1.00 0.08 0.01
TRU 0.08 1.00 0.01
IX 0.01 0.01 1.00

Add a Peer

Largest companies in the same industry

Related Comparisons

Frequently Asked Questions

Which is bigger, SRCO, TRU and IX?

Orix (IX) is the largest by market capitalisation: Sparta Commercial Services (SRCO) $3.82M, TransUnion (TRU) $14.38B, Orix (IX) $41.49B.

Which stock is cheaper, SRCO, TRU and IX?

Orix (IX) trades on the lowest price-to-earnings ratio (Sparta Commercial Services (SRCO) -1.3x, TransUnion (TRU) 18.1x, Orix (IX) 10.3x). On next year's consensus earnings, Orix (IX) is cheapest (TransUnion (TRU) 14.6x, Orix (IX) 8.0x). A lower multiple can reflect slower expected growth, so read it next to the growth figures.

Which company is growing faster?

TransUnion (TRU) grew revenue fastest over the trailing twelve months: Sparta Commercial Services (SRCO) +1.9%, TransUnion (TRU) +13.4%, Orix (IX) +2.8%.

Which company is more profitable?

TransUnion (TRU) has the highest net margin (Sparta Commercial Services (SRCO) -974.8%, TransUnion (TRU) 15.8%, Orix (IX) 7.3%). On return on invested capital, TransUnion (TRU) leads (TransUnion (TRU) 7.7%, Orix (IX) 3.0%).

Which stock has performed better?

Over the past year Orix (IX) returned the most: Sparta Commercial Services (SRCO) -53.3%, TransUnion (TRU) -11.7%, Orix (IX) +48.2%. Over five years, Orix (IX) compounded fastest (Sparta Commercial Services (SRCO) -2.6%/yr, TransUnion (TRU) -8.0%/yr, Orix (IX) +13.3%/yr). Returns are price only, before dividends.

Which pays a higher dividend?

Orix (IX) has the highest dividend yield: TransUnion (TRU) 0.67%, Orix (IX) 1.06%. Sparta Commercial Services (SRCO) pays no regular dividend.

Which stock is riskier?

By one-year price volatility, Orix (IX) has been the steadiest (Sparta Commercial Services (SRCO) 131.8%, TransUnion (TRU) 43.2%, Orix (IX) 28.7%). Volatility measures how widely the price swings, not the risk of the business.

Which is the better stock, SRCO, TRU and IX?

There is no single answer; it depends on what you are buying for. On the 12 head-to-head measures on this page, Orix (IX) leads on 7. Business Quant does not give investment advice; use the comparison as a starting point for your own research.

Data from SEC filings, exchange prices and consensus estimates, via Business Quant. Percentile scores compare each company with its own peer group, so two companies' scores are each relative to different peers unless you rank against the whole market. Price returns exclude dividends. Nothing on this page is investment advice.