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2018 Market Analysis & Industry Outlook: Credit Bureaus


Overview of the U.S. Credit Bureaus Industry

This section provides answers to key questions about the industry:
  1. What is the total market size (industry revenue)?
  2. What is the industry outlook?
  3. Market Analysis: Is the market growing or declining, and how quickly?
  4. Are long-term forecasts positive or negative?
  5. What is the average company size in the industry?
  6. How many companies are in the industry?

Market Size & Industry Statistics

The total U.S. industry market size for Credit Bureaus: Industry statistics cover all companies in the United States, both public and private, ranging in size from small businesses to market leaders. In addition to revenue, the industry market analysis shows information on employees, companies, and average firm size.

Investors, banks, and business executives use growth rates and industry trends to understand the market outlook and opportunity.

market size 2018
Charts and graphs can be copied to Microsoft Word and Powerpoint presentations.

Statistics 2012        2013        2014        2015        2016        2017
Market Size
(Total Sales/Revenue)


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Total Firms
Total Employees
Average Revenue Per Firm
Average Employees Per Firm
Statistics Source: U.S. Census, AnythingResearch Market Analysis



Market Forecast[PREMIUM]

Market forecasts show the long term industry outlook and future growth trends. The following five-year demand forecast projects both short-term and long-term trends.

market forecast

Forecast / Industry Outlook 2017 2018 2019 2020 2021 2022
Market Forecast ($ millions)
Projected Industry Growth Rate (%)
Source: AnythingResearch Economic Analysis

Product & Services Breakdown

Research products and services in the Credit Bureaus industry generating sales. Note that products are broken into categories with different levels of classification.

Product DescriptionNumber of Companies Sales ($ millions) Percent of Total Sales

Industry Total

Credit Rating Services (Include Credit Investigation Services, Reporting Bureaus, And Credit Agencies.)

Individual Credit Rating Services

Commercial Credit Rating Services

All Other Receipts

All Other Operating Receipts



U.S. Geographic Distribution: Revenue Statistics by State

Market Size by State ($ millions) indicates how the industry's competition is distributed throughout the country. State-level information can identify areas with higher and lower industry market share than average.

U.S. map of Credit Bureaus by state

Income Statement (Average Financial Metrics)

Financial metrics provide a snapshot view of a benchmark "average" company. Key business metrics show revenue and operating costs. The data collected covers both public and private companies.

Industry AveragePercent of Sales
(Industry Benchmark)
Total Revenue

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Operating Revenue
Cost of Goods Sold
Gross Profit

Operating Expenses
Pension, profit sharing plans, stock, annuity
Repairs
Rent paid on business property
Charitable Contributions
Depletion
Domestic production activities deduction
Advertising
Compensation of officers
Salaries and wages
Employee benefit programs
Taxes and Licenses
Bad Debts
Depreciation
Amortization
Other Operating Expenses
Total Operating Expenses
Operating Income
Non-Operating Income
EBIT (Earnings Before Interest and Taxes)
Interest Expense
Earnings Before Taxes
Income Tax
Net Profit
 
Source: AnythingResearch Analysis of U.S. federal statistics




Financial Ratio Analysis

Financial ratio information can be used to benchmark how a Credit Bureaus company compares to its peers. Accounting statistics are calculated from the industry-average for income statements and balance sheets.

Profitability & Valuation RatiosIndustry Average
Company valuation can be measured based on the firm's own performance, as well as in comparison against its industry competitors. These metrics show how the average company in the Credit Bureaus industry is performing.
Profit Margin
Gross Profit Margin, Operating Profit Margin, and Net Profit Margin. Show company earnings relative to revenues.
Return on Equity (ROE)
Return on Equity (ROE) is net income as a percentage of shareholders' equity. Shareholders' Equity is defined as the company's total assets minus total liabilities. ROE shows how much profits a company generates with the money shareholders invested (or with retained earnings).
Return on Assets (ROA)
Return on Assets (ROA) is net income relative to total assets. The market research on Credit Bureaus measures how efficiently the company leverages its assets to generate profit. ROA is calculated as Net Income divided by Total Assets.


Liquidity RatiosIndustry Average
Bankers and suppliers use liquidity to determine creditworthiness and identify potential threats to a company's financial viability.
Current Ratio
Measures a firm's ability to pay its debts over the next 12 months.
Quick Ratio (Acid Test)
Calculates liquid assets relative to liabilities, excluding inventories.


Efficiency Ratios - Key Performance IndicatorsIndustry Average
Measure how quickly products and services sell, and effectively collections policies are implemented.
Receivables Turnover Ratio
If this number is low in your business when compared to the industry average in the research report, it may mean your payment terms are too lenient or that you are not doing a good enough job on collections.
Average Collection Period
Based on the Receivables Turnover, this estimates the collection period in days. Calculated as 365 divided by the Receivables Turnover
Inventory Turnover
A low turnover rate may point to overstocking, obsolescence, or deficiencies in the product line or marketing effort.
Fixed-Asset Turnover
Generally, higher is better, since it indicates the business has less money tied up in fixed assets for each dollar of sales revenue.



Compensation & Salary Surveys for Employees

Compensation statistics provides an accurate assessment of industry-specific jobs and national salary averages. This information can be used to identify which positions are most common, and high, low, and average annual wages.

TitlePercent of WorkforceBottom Quartile Average (Median) SalaryUpper Quartile
Management Occupations 3%

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Chief Executives0%
General and Operations Managers2%
Sales and Related Occupations 23%
Other Sales and Related Workers 16%
Telemarketers 15%
Telemarketers 15%
Office and Administrative Support Occupations 60%
Financial Clerks 13%
Bill and Account Collectors 11%
Bill and Account Collectors 11%
Information and Record Clerks 31%
Customer Service Representatives 29%
Customer Service Representatives 29%
Other Office and Administrative Support Workers 8%
Source: Bureau of Labor Statistics


Credit Bureaus Industry Market Share [PREMIUM]

Largest companies in the industry and related industries, with private company revenue estimates.

CompanyAddressRevenue Estimate









Innovation News

  • Merchants Information Solutions trademarks "M" - Monitoring consumer credit reports and providing an alert as to any changes therein for business purposes - 12/19/2017
  • Applicant Insight trademarks "NOMOREFORMS" - Providing business information in the field of human resources - 09/26/2017
  • Springboard Cdfi trademarks "NATIONWIDE MORTGAGE COLLABORATIVE" - Mortgage brokerage; Mortgage lending - 09/20/2017
  • Vesta patents Training And Selection Of Multiple Fraud Detection Models - 05/25/2017
  • Dun & Bradstreet patents Inventory Data Access Layer - 03/16/2017
  • Global Maritime Transportation Services patents System And Process For Providing Dynamic Freight Rate Indices - 09/24/2015




  • Top Innovators

    15026
    CompanyInnovation Score
    Dun & Bradstreet150
    Vesta26
    Clarity Services
    Knowledge Works

    Additional companies, details and innovation scoring in the full report.

    Latest Industry News

    • Using credit cards is important for your financial health — here’s why - According to the Federal Reserve, consumer credit card debt in the US grew to a total of $1.02 trillion in November. Considering that there are around 250 million adults in the US, according to the US Census Bureau, that means that each adult is carrying ... (01/11/2018)
    • Warner, Warren introduce legislation to hold credit reporting agencies accountable for data breaches - It will ensure that credit bureaus protect your information as if you actually mattered to them and it will both punish them and compensate you when they fail to do so,” said U.S. PIRG Consumer Program Director, Ed Mierzwinski. “This bill establishes ... (01/10/2018)
    • Proposed law would levy substantial penalties on breached credit reporting agencies - “This bill establishes much-needed protections for data security for the credit bureaus,” said National Consumer Law Center staff attorney Chi Chi Wu, in the senators' press release. “It also imposes real and meaningful penalties when credit ... (01/10/2018)
    • Dems want to penalize credit companies whose data is breached - Cybercriminals penetrated Equifax, one of the largest credit bureaus, in July and stole the personal data of 145 million people. It was considered among the worst breaches of all time because of the amount of sensitive information exposed, including Social ... (01/10/2018)
    • Add Boosting Your Credit Score To Your New Year's Resolutions - Be sure to regularly check your credit reports, as errors are common. Get a free copy from the three credit reporting bureaus once a year via AnnualCreditReport.com. There is no penalty for disputing errors and, if successful, it's a fast way to boost your ... (01/10/2018)
    • Warren, Warner propose 'massive' fines for breaches at credit bureaus - WASHINGTON — Sens. Elizabeth Warren, D-Mass., and Mark Warner, D-Va., are set Wednesday to introduce a bill that would create mandatory penalties for data breaches at credit reporting agencies. “Our bill imposes massive and mandatory penalties for data ... (01/10/2018)
    • 7 steps to clean up your credit report - ... copy of your credit report once every 12 months from each of the major credit-reporting agencies: Equifax, Experian and TransUnion. You can get a free copy of all three bureaus’ versions of your credit report at AnnualCreditReport.com. Order one at ... (01/10/2018)
    • Trump Can Take Credit for Black Unemployment Drop - There's plenty to celebrate in the December Bureau of Labor Statistics report showing black unemployment at 6.8 percent, the lowest ever since they started reporting the data in 1972. President Trump tweeted out his excitement and, of course, took credit ... (01/10/2018)
    • Why you might want to freeze your kid’s credit—if you can - Credit bureaus do not knowingly create credit files for minors. But they have no way of verifying that a Social Security number actually belongs to the person using it, according to the Identity Theft Resource Center, a nonprofit offering help with ... (01/09/2018)
    • China Fintech: 2nd consumer credit bureau in sight now - Last week, on January 4, the People’s Bank of China (PBoC) accepted a license application for consumer credit bureau led by the National Internet Finance Association of China. As of now, the Credit Reference Center of the central bank is the only ... (01/09/2018)


    Government Contracts

    In 2016, the federal government spent a total of $187,760,599 on Credit Bureaus. It has awarded 512 contracts to 17 companies, with an average value of $11,044,741 per company.   

    Top government vendors:

    CompanyFederal ContractsTotal Award Amount





    Segments classified within this market research report

    This industry market research report includes companies whose primary business is any of the following:
    Credit reporting bureaus, Investigation services, credit, Credit investigation services, Commercial credit reporting bureaus, Credit agencies, Mercantile credit reporting bureaus, Consumer credit reporting bureaus, Credit rating services, Credit bureaus, etc.



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