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TRUTransUnion
$79.28$15.3B
Overview & Verdict
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TRU logoTransUnion(TRU)Earnings, Financials & Key Ratios

TRU•NYSE
$79.28
34.2× P/E·Price updated Jul 6, 2026
SectorIndustrialsIndustryConsulting ServicesSub-IndustryData, research and compliance services
AboutTransUnion provides risk and information solutions. The company operates in three segments: U.S. Markets, International, and Consumer Interactive. The U.S. Markets segment provides consumer reports, actionable insights, and analytics to businesses. These businesses use 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, insurance, tenant and employment, collections and services, technology, commerce and communication, public sector, media, and other markets. The International segment offers credit reports, analytics, technology solutions, and other value-added risk management services; and consumer services, which help consumers to manage their personal finances and consumer credit reporting, insurance and auto information solutions, and commercial credit information services. This segment serves customers in financial services, retail credit, insurance, automotive, collections, public sector, and communications industries through direct and indirect channels. The Consumer Interactive segment provides credit reports and scores, credit monitoring, identity protection and resolution, and financial management solutions that enable consumers to manage their personal finances and take precautions against identity theft. This segment offers its products through online and mobile interfaces, as well as through direct and indirect channels. The company serves customers in approximately 30 countries and territories, including North America, Latin America, Europe, Africa, India, and the Asia Pacific. 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.Show more
  • Revenue$4.58B+9.4%
  • EBITDA$1.43B+18.9%
  • Net Income$455M+60.1%
  • EPS (Diluted)2.32+60.0%
  • Gross Margin59.09%-1.5%
  • EBITDA Margin31.3%+8.7%
  • Operating Margin18.74%+17.6%
  • Net Margin9.95%+46.4%
  • ROE10.28%+52.2%

TRU Price & Volume

TransUnion (TRU) stock price & volume — 10-year historical chart

Loading chart...

Accelerating Revenue Growth Faces Structural Leverage Constraints

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Accelerating
Profitability:Moderate
Financial:Strained
Cash Flow:Mixed
Primary Risk:High intangible asset concentration

Key Thesis Takeaways

  • TransUnion is successfully pivoting toward non-credit data analytics, evidenced by revenue growth accelerating to 13.7% in 2026Q1 from 5.8% in 2023Q4.
  • However, the company's reliance on debt-funded acquisitions, with $5.8 billion in goodwill representing nearly 48% of total assets, creates significant balance sheet risk.
  • Investors should monitor the persistent decoupling of earnings from cash flow, as the operating cash flow to net income ratio dropped to 0.21 in 2026Q1, which may indicate future liquidity challenges.

Verdict Logic

while top-line growth is accelerating to 13.7%, the high debt-to-equity ratio of 1.14 and erratic cash conversion efficiency suggest that the current 30.32 P/E valuation may not fully account for integration and liquidity risks.

TRU Growth Metrics

TransUnion (TRU) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years11.75%
5 Years12.58%
3 Years7.25%
TTM10.99%

Profit CAGR

10 Years54.44%
5 Years5.82%
3 Years19.58%
TTM91.83%

EPS CAGR

10 Years51.8%
5 Years5.32%
3 Years18.34%
TTM92.02%

Return on Capital

10 Years7.18%
5 Years5.9%
3 Years5.51%
Last Year8.63%

TRU Recent Earnings

TransUnion (TRU) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 11/12 qtrs (92%)
Q2 2026Latest
Apr 28, 2026
Metric
Actual
Est
EPS
$1.18+6.3%
$1.11
Rev
$1.2B+3.0%
$1.2B
Q1 2026
Feb 12, 2026
Metric
Actual
Est
EPS
$1.07+3.9%
$1.03
Rev
$1.2B+3.5%
$1.1B
Q4 2025
Oct 23, 2025
Metric
Actual
Est
EPS
$1.10+5.8%
$1.04
Rev
$1.2B+3.2%
$1.1B
Q3 2025
Jul 24, 2025
Metric
Actual
Est
EPS
$1.08+9.0%
$0.99
Rev
$1.1B+3.9%
$1.1B
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 28, 2026
$1.18vs $1.11+6.3%
$1.2Bvs $1.2B+3.0%
Q1 2026Feb 12, 2026
$1.07vs $1.03+3.9%
$1.2Bvs $1.1B+3.5%
Q4 2025Oct 23, 2025
$1.10vs $1.04+5.8%
$1.2Bvs $1.1B+3.2%
Q3 2025Jul 24, 2025
$1.08vs $0.99+9.0%
$1.1Bvs $1.1B+3.9%
Based on last 12 quarters of dataView full earnings history →

Latest TRU News

Recent stock market news and headlines for TransUnion (TRU)

GuruFocus·4 days ago
A Look at TransUnion (TRU) After 5.2% Gain -- GF Value $96.58 vs Price $78.31

On July 02, 2026, TransUnion (TRU) shares rose 5.2% to a current price of $78.31. The stock is trading within a 52-week range of $63.37 to $99.39, reflecting a

Zacks Investment Research·Jun 30, 2026
Expanding Big Data & Analytics Market Aids TRU Amid High Rivalry

TransUnion gains from growing demand for data analytics, acquisitions and innovation, though debt and seasonality remain key risks.

GlobeNewsWire·Jun 30, 2026
TransUnion Announces Earnings Release Date for Second Quarter 2026 Results

CHICAGO, June 30, 2026 (GLOBE NEWSWIRE) -- TransUnion (NYSE: TRU) will publish its financial results for the second quarter ended June 30, 2026, in a press release to be issued at approximately 6:00 a.m. Central Time (CT) on Tuesday, July 28, 2026. The company will hold a conference call on the same day at 8:30 a.m. (CT) to discuss its financial results. The press release and a live webcast of the earnings conference call will be available on the TransUnion Investor Relations website at http://www.transunion.com/tru.

GlobeNewsWire·Jun 25, 2026
TransUnion Report Maps How Mortgage Rate Changes Could Reshape Local Housing Markets

CHICAGO, June 25, 2026 (GLOBE NEWSWIRE) -- Real estate professionals face an increasingly challenging environment, hindered by prolonged housing inventory stagnation and persistent economic uncertainty. As speculation grows around potential mortgage rate cuts or increases, a new report from TransUnion (NYSE: TRU) provides actionable insights to help agents plan for either scenario.

GlobeNewsWire·Jun 23, 2026
Gen Z Drives Canada's Credit Growth as Delinquencies Begin to Stabilize

Key findings from TransUnion report: Credit delinquencies showed signs of stabilizing during a period of relative economic stability Mortgage balances continued to climb, while delinquency rates returned to pre-pandemic levels Regional delinquency trends highlight diverging risk profiles across the provinces TORONTO, June 23, 2026 (GLOBE NEWSWIRE) -- Gen Z is emerging as the fastest growing and most dynamic segment in the Canadian credit market, according to TransUnion analysis released alongside the Q1 2026 Credit Industry Insights Report (CIIR). As more Gen Z consumers enter the financial ecosystem and become credit eligible, growth in credit demand and supply, coupled with year-over-year (YoY) improvements in credit performance, has supported this trend.

Peers Comparison

Key metrics vs top competitors for TransUnion (TRU)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
TRU logoTRUTransUnionCurrent
$79.28$15.3B34.179.38%9.95%10.28%0.58%
EFX logoEFXEquifax Inc.
$171.94$20.74B32.326.92%11.12%14.19%—
FICO logoFICOFair Isaac Corporation
$1286.51$29.84B48.4715.91%33.67%——
VRSK logoVRSKVerisk Analytics, Inc.
$187.79$24.6B28.946.63%29.34%——
MCO logoMCOMoody's Corporation
$498.78$88.43B36.498.89%31.69%64.11%—
SPGI logoSPGIS&P Global Inc.
$447.22$132.38B30.517.94%30.37%12.92%—

Compare TRU vs Peers

TransUnion (TRU) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs EFX

Most directly comparable listed peer for TRU.

Scale Benchmark

vs JPM

Larger-name benchmark to compare TRU against a more recognizable public peer.

Peer Set

Compare Top 5

vs EFX, FICO, VRSK, MCO

TRU SEC Filings & Documents

TransUnion (TRU) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 28, 2026·SEC

Material company update

Mar 10, 2026·SEC

Material company update

Feb 12, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 27, 2026·SEC

FY 2025

Feb 13, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

Apr 28, 2026·SEC

FY 2025

Oct 23, 2025·SEC

FY 2025

Jul 24, 2025·SEC

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TRU Frequently Asked Questions

TransUnion (TRU) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
What is TransUnion's revenue?

TransUnion (TRU) reported $4.73B in revenue for fiscal year 2025. This represents a 315% increase from $1.14B in 2012.

How fast is TransUnion growing?

TransUnion (TRU) grew revenue by 9.4% over the past year. This is steady growth.

Is TRU profitable?

Yes, TransUnion (TRU) is profitable, generating $704.6M in net income for fiscal year 2025 (10.0% net margin).

Dividend & Returns
Does TRU pay dividends?

Yes, TransUnion (TRU) pays a dividend with a yield of 0.58%. This makes it attractive for income-focused investors.

What is TRU's return on equity?

TransUnion (TRU) has a return on equity (ROE) of 10.3%. This is reasonable for most industries.

What is TransUnion's free cash flow?

TransUnion (TRU) generated $696.5M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

What if you invested $1,000 in TRU back in 2012?

Total return calculator · dividends reinvested · 14+ years of data

See returns →