TransUnion (1TU) Stock Price & Analysis
1TU Stock Chart & Stats
- Day’s Range
- EUR 66.50 - EUR 68.00
- 52-Week Range
- EUR 53.00 - EUR 76.00
- Previous Close
- EUR 66.50
- Volume
- 0
- Average Volume (3M)
- 0
- Market Cap
- EUR 13.07B
- Enterprise Value
- EUR 16.56B
- Total Cash (Recent Filing)
- EUR 883.10M
- Total Debt (Recent Filing)
- EUR 5.53B
- Price to Earnings (P/E)
- 18.5
- Beta
- 0.97
- Next Earnings
- Feb 16, 2027 (Est.)
- EPS Estimate
- 1.08
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 0.61%
Bulls Say, Bears Say
Bulls Say
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.
Scalable Platform And Product Innovation
OneTru modernization can create a common operating platform that supports faster feature deployment, lower legacy complexity, and broader customer integration. The large pipeline of AI-enabled products also gives TransUnion multiple avenues to deepen relationships and expand revenue per client.
Strong Cash Generation
High free-cash-flow conversion indicates that reported earnings are translating into usable liquidity rather than remaining largely non-cash. This supports continued investment, debt reduction, and shareholder returns while providing financial capacity to manage normal business volatility.
Bears Say
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.
Margin Expansion Pressure
The reduced margin outlook suggests that technology and solutions investment, together with higher legal and regulatory expenses, is absorbing part of the benefit from revenue growth. If these costs persist, earnings may grow more slowly than revenue and operating leverage could remain limited.
Mortgage And Credit-cycle Exposure
Higher borrowing costs are weakening mortgage activity and moderating parts of consumer and auto lending, which can reduce transaction volumes for credit-reporting services. Continued pressure in lower-income and subprime segments could make near-term demand and growth less consistent across financial services.
TransUnion News
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Company Description
TransUnion
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 marketing, analytics and consulting, identity verification, and authentication and debt recovery solutions for financial services industry; and onboarding and transaction processing products, scoring and analytic products, marketing solutions, fraud and identity management solutions, and customer retention solutions, as well select market-specific solutions for insurance, technology, retail and e-commerce, telecommunications, media, tenant and employment screening, collections, and public sectors. It also offers credit reports, scores, and freezes credit monitoring, identity protection and resolution, and financial management for consumers, as well as helps businesses respond to data breach events through its own websites, as well as channels. The International segment offers credit reports, analytics, technology solutions, and other value-added risk management services; consumer services, which helps consumers to manage their personal finances; credit bureaus; and consumer and business 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 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.
- Sector
- Financial
- Industry
- Financial - Data & Stock Exchanges
- CEO
- Christopher A. Cartwright
- Employees
- 13,500
- Website
- www.transunion.com
- Address
- 555 West Adams, Chicago, IL, 60661, US
TransUnion (1TU) Earnings & Revenues
1TU Company Deck
1TU Earnings Call
Earnings Call SentimentPositive
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.
View all DE:1TU earnings summaries1TU Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 14 | 6 | 2 |
| Technical Analysis | 3 | 6 | 1 |
| Moving Averages | 11 | 0 | 1 |