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TransUnion
(NYSE:TRU)
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Rating:76Outperform
Price Target:
$90.00
â–²(5.87% Upside)
Action:Reiterated
Date:10/27/26
TRU scores well due to improving fundamentals (strong margins and growing free cash flow) and favorable technical momentum (price above key moving averages with positive MACD). The score is held back by a still debt-heavy balance sheet, modest recent revenue growth and some margin pressure, plus only moderate valuation support given the low dividend yield.
Positive Factors
Diversified organic growth
Broad growth across financial services, insurance, and international markets reduces reliance on any single end market. Continued expansion in India and Latin America, alongside U.S. performance, supports a more diversified revenue base and improves the durability of growth over the next several quarters.
Negative Factors
Debt-heavy capital structure
Although leverage has improved, debt remains high relative to equity and leaves TransUnion more exposed to refinancing conditions and interest costs. A debt-heavy structure can restrict flexibility if growth slows, while required debt service competes with investment and capital-return priorities.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified organic growth
Broad growth across financial services, insurance, and international markets reduces reliance on any single end market. Continued expansion in India and Latin America, alongside U.S. performance, supports a more diversified revenue base and improves the durability of growth over the next several quarters.
Read all positive factors
TransUnion (TRU) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$14.45B
Dividend Yield0.65%
Average Volume (3M)3.12M
Price to Earnings (P/E)18.2
Beta (1Y)1.30
Revenue Growth12.37%
EPS Growth90.36%
CountryUS
Employees13,500
SectorFinancial
Sector Strength70
IndustryFinancial - Data & Stock Exchanges
Share Statistics
EPS (TTM)4.68
Shares Outstanding191,600,000
10 Day Avg. Volume3,452,027
30 Day Avg. Volume3,121,462
Financial Highlights & Ratios
PEG Ratio0.61
Price to Book (P/B)3.76
Price to Sales (P/S)3.64
P/FCF Ratio25.20
Enterprise Value/Market Cap1.31
Enterprise Value/Revenue3.76
Enterprise Value/Gross Profit8.67
Enterprise Value/Ebitda10.65
Forecast
1Y Price Target
$93.24Price Target Upside9.68% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering17
EPS Forecast (FY)4.83
Revenue Forecast (FY)$5.16B
TransUnion Business Overview & Revenue Model
Company Description
TransUnion operates as a global consumer credit reporting agency that provides risk and information solutions. The company operates in two segments, U.S. Markets and International. The U.S. Markets segment provides credit reporting, credit marketi...
How the Company Makes Money
TransUnion makes money primarily by selling access to its data, analytics, and decisioning capabilities to business customers, and by offering certain credit- and identity-related services to consumers. Key revenue streams generally include: (1) F...
TransUnion Earnings Call Summary
Earnings Call Date:Oct 27, 2026
(Q3-2026)
| % Change Since: |
Next Earnings Date:Feb 16, 2027
Earnings Call Sentiment Positive
The call was strongly constructive. TransUnion reported broad-based revenue, EBITDA, and EPS growth above guidance; raised the low end of full-year guidance and EPS growth expectations; delivered strong international and insurance performance; advanced OneTru migration and product innovation; and improved leverage while returning capital through repurchases and dividends. Offsetting concerns included higher interest rates, declining mortgage inquiries, lower underlying margin expectations, higher legal and regulatory expenses, softer tenant, employment, media, and selected international trends, and a roughly $60 million expected increase in 2027 net interest expense. Highlights significantly outweighed the stated challenges.Positive Updates
Third-Quarter Results Exceeded Guidance
TransUnion delivered broad-based growth and exceeded the high end of guidance for revenue, adjusted EBITDA, and adjusted diluted earnings per share. Total revenue increased 12% as reported and 8% on an organic constant currency basis, or approximately 5.5% excluding FICO mortgage royalties. Adjusted EBITDA increased 9%, and adjusted diluted EPS was $1.25, up 14% year over year and $0.04 above the high end of guidance.
Negative Updates
Adjusted EBITDA Margin Declined in the Third Quarter
Adjusted EBITDA margin was 35.4%, down 90 basis points from the prior year. Underlying margins contracted 40 basis points as revenue flow-through was offset by technology and solutions investments and higher legal and regulatory expenses. FICO mortgage royalties created a 60-basis-point drag on consolidated margins.
Read all updates
Q3-2026 Updates
Positive
Negative
Third-Quarter Results Exceeded Guidance
TransUnion delivered broad-based growth and exceeded the high end of guidance for revenue, adjusted EBITDA, and adjusted diluted earnings per share. Total revenue increased 12% as reported and 8% on an organic constant currency basis, or approximately 5.5% excluding FICO mortgage royalties. Adjusted EBITDA increased 9%, and adjusted diluted EPS was $1.25, up 14% year over year and $0.04 above the high end of guidance.
Read all positive updates
Company Guidance
Fourth quarter guidance is revenue of $1.264 billion to $1.294 billion, up 8% to 10%, including 3% to 6% organic constant currency growth, a 5 percentage point contribution from acquisitions, and a 0.5 percentage point headwind from foreign exchange; excluding FICO mortgage royalties, organic constant currency growth is expected to be 3% to 5%. Adjusted EBITDA is guided to $450 million to $468 million, up 8% to 12%, with a margin of 35.6% to 36.2%, and adjusted diluted earnings per share of $1.15 to $1.22, up 7% to 14%. Full-year guidance is revenue of $5.131 billion to $5.162 billion, up 12% to 13%, organic constant currency revenue growth of 8% to 9%, or 5% to 6% excluding FICO mortgage royalties, adjusted EBITDA of $1.808 billion to $1.827 billion, up 10% to 11%, and adjusted diluted earnings per share of $4.81 to $4.88, up 12% to 13%; mortgage revenue growth is 28%, or 9% excluding FICO royalties, mortgage inquiries are expected to decline roughly 10% for the full year and more than 20% in the fourth quarter, 2026 net interest expense is expected to be $235 million, and free cash flow conversion is expected to remain above 90% of adjusted net income.TransUnion Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
63
Positive
Cash Flow
71
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 5.04B | 4.58B | 4.18B | 3.83B | 3.71B | 2.96B |
| Gross Profit | 2.19B | 2.70B | 2.51B | 2.31B | 2.32B | 1.94B |
| EBITDA | 1.78B | 1.45B | 1.20B | 667.30M | 1.13B | 995.20M |
| Net Income | 1.01B | 455.40M | 284.40M | -206.20M | 266.30M | 1.39B |
Balance Sheet | ||||||
| Total Assets | 12.09B | 11.11B | 10.98B | 11.11B | 11.67B | 12.63B |
| Cash, Cash Equivalents and Short-Term Investments | 883.10M | 856.30M | 682.00M | 478.90M | 587.90M | 1.85B |
| Total Debt | 5.46B | 5.16B | 5.21B | 5.45B | 5.81B | 6.52B |
| Total Liabilities | 7.09B | 6.57B | 6.67B | 7.00B | 7.40B | 8.63B |
| Stockholders Equity | 4.85B | 4.44B | 4.22B | 4.01B | 4.17B | 3.91B |
Cash Flow | ||||||
| Free Cash Flow | 910.10M | 661.60M | 516.70M | 334.70M | -1.00M | 584.10M |
| Operating Cash Flow | 1.21B | 987.60M | 832.50M | 645.40M | 297.20M | 808.30M |
| Investing Cash Flow | -778.60M | -331.70M | -307.40M | -318.90M | -723.90M | -2.21B |
| Financing Cash Flow | -279.80M | -494.60M | -308.70M | -438.80M | -820.50M | 2.76B |
TransUnion Technical Analysis
Positive
85.01
Price Trends
74.91
Positive
74.87
Positive
74.07
Positive
Market Momentum
2.10
Negative
53.72
Neutral
70.64
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TRU, the sentiment is Positive. The current price of 85.01 is above the 20-day moving average (MA) of 70.29, above the 50-day MA of 74.91, and above the 200-day MA of 74.07, indicating a bullish trend. The MACD of 2.10 indicates Negative momentum. The RSI at 53.72 is Neutral, neither overbought nor oversold. The STOCH value of 70.64 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TRU.
TransUnion Risk Analysis
TransUnion disclosed 37 risk factors in its most recent earnings report. TransUnion reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
TransUnion Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | $132.34B | 27.32 | 17.29% | 0.86% | 9.67% | 26.18% | |
76 Outperform | $14.45B | 18.17 | 19.22% | 0.65% | 12.37% | 90.36% | |
73 Outperform | $10.91B | 22.19 | 25.61% | 1.46% | 6.65% | -7.20% | |
73 Outperform | $8.09B | 20.34 | 35.29% | 0.93% | 9.33% | 12.16% | |
72 Outperform | $81.72B | 28.81 | 86.44% | 0.85% | 9.00% | 31.83% | |
72 Outperform | $43.03B | 32.01 | -49.71% | 1.32% | 12.33% | 19.69% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
TRU
TransUnion
75.42
-6.97
-8.46%
FDS
Factset Research
309.54
26.21
9.25%
SPGI
S&P Global
448.93
-13.90
-3.00%
MCO
Moody's
474.00
-12.54
-2.58%
MORN
Morningstar
215.78
0.03
0.01%
MSCI
MSCI
601.75
16.39
2.80%
TransUnion Corporate Events
Business Operations and StrategyStock BuybackDividendsFinancial Disclosures
TransUnion posts strong quarter and boosts shareholder returns
Positive
Oct 27, 2026
TransUnion, listed on the NYSE as TRU, operates in the global information services and credit reporting industry, providing data, analytics and risk management solutions to financial services, insurance companies and a broad set of emerging vertic...
Business Operations and StrategyExecutive/Board ChangesFinancial Disclosures
TransUnion Announces Planned CFO Transition and Succession Search
Neutral
Sep 23, 2026
TransUnion said on September 23, 2026, that long-serving Executive Vice President and Chief Financial Officer Todd Cello plans to resign as CFO effective December 31, 2026, after 29 years with the company, and will act as a full-time advisor throu...
Business Operations and StrategyStock BuybackFinancial Disclosures
TransUnion lifts outlook after strong quarterly revenue growth
Positive
Jul 28, 2026
TransUnion reported strong results for the quarter ended June 30, 2026, announcing on July 28 that revenue rose 15% to $1.31 billion, with organic constant-currency growth of 10% driven by U.S. Financial Services and Emerging Verticals. Net income...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.