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TransUnion Corp. (DE:1TU)
NYSE:1TU

TransUnion (1TU) Price & Analysis

3 Followers

1TU Stock Chart & Stats

€66.50
€0.50(0.58%)
At close: 4:00 PM EST
€66.50
€0.50(0.58%)

Bulls Say, Bears Say

Bulls Say
Recurring Data-driven ModelTransUnion's core business is durable and sticky: recurring, usage-based sales of credit files, scores, decisioning and identity products to banks, insurers and platforms. Regulatory-permitted data access, long-term furnisher relationships and embedded integrations create high switching costs and predictable transaction and subscription revenue.
Strong Cash GenerationSustained operating cash flow near $1.1B and robust free cash flow provide durable funding for R&D, acquisitions, debt reduction and buybacks. Positive cash conversion allows management to support strategic investments (platform, AI) while returning capital, improving long-term financial flexibility despite existing leverage.
Platform Modernization & AIAccelerated OneTru migrations and widescale AI/product launches improve operating scalability and stickiness. Moving customers to a unified platform reduces operating costs, speeds new feature rollouts, and deepens data network effects—supporting sustainable margin expansion and faster product-led revenue growth over the medium term.
Bears Say
Elevated LeverageLeverage remains meaningfully above 1x and net leverage near 2.6x constrains flexibility. While improving from prior years, higher debt increases interest and refinancing risk, limits acquisition funding without issuing equity, and narrows buffer against demand shocks—keeping capital allocation choices (buybacks vs. deleveraging) finely balanced.
Structural Margin HeadwindsRecurring FICO mortgage royalty costs and near-term acquisition integration pressures (Mexico, others) are expected to shave margins materially. These are structural drags—royalties persist with mortgage-related revenue and integration costs take quarters to normalize—reducing sustained EBITDA margins unless offset by pricing or productivity gains.
Mortgage Volume SensitivityA meaningful portion of revenue and recent upside is mortgage-linked; rising rates and lower mortgage activity can reduce inquiry volumes and related royalties. This macro sensitivity creates durable revenue volatility over months, pressuring growth and complicating forecasting until mortgage activity sustainably stabilizes.

TransUnion News

1TU FAQ

What was TransUnion Corp.’s price range in the past 12 months?
TransUnion Corp. lowest stock price was €55.00 and its highest was €85.50 in the past 12 months.
    What is TransUnion Corp.’s market cap?
    TransUnion Corp.’s market cap is €12.97B.
      When is TransUnion Corp.’s upcoming earnings report date?
      TransUnion Corp.’s upcoming earnings report date is Oct 27, 2026 which is in 90 days.
        How were TransUnion Corp.’s earnings last quarter?
        TransUnion Corp. released its earnings results on Jul 28, 2026. The company reported €1.081 earnings per share for the quarter, beating the consensus estimate of €1.016 by €0.066.
          Is TransUnion Corp. overvalued?
          According to Wall Street analysts TransUnion Corp.’s price is currently Undervalued. Get more investment ideas with TipRanks Premium
            Does TransUnion Corp. pay dividends?
            TransUnion Corp. does not currently pay dividends.
            What is TransUnion Corp.’s EPS estimate?
            TransUnion Corp.’s EPS estimate is 1.08.
              How many shares outstanding does TransUnion Corp. have?
              TransUnion Corp. has 192,800,000 shares outstanding.
                What happened to TransUnion Corp.’s price movement after its last earnings report?
                TransUnion Corp. reported an EPS of €1.081 in its last earnings report, beating expectations of €1.016. Following the earnings report the stock price went down -1.653%.
                  Which hedge fund is a major shareholder of TransUnion Corp.?
                  Currently, no hedge funds are holding shares in DE:1TU
                  What is the TipRanks Smart Score and how is it calculated?
                  Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

                    Company Description

                    TransUnion Corp.

                    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.

                    TransUnion (1TU) Earnings & Revenues

                    1TU Company Deck

                    1TU Earnings Call

                    Q2 2026
                    0:00 / 0:00
                    Earnings Call Sentiment|Positive
                    The call conveyed strong operational and financial performance with multiple positive developments: revenue, adjusted EBITDA and EPS beats; raised full-year guidance; robust U.S. financial services growth; accelerated OneTru migrations; heavy product and AI innovation; and favorable international momentum, notably Mexico. Offsetting items are largely macro- and timing-related: mortgage volume sensitivity to rising rates, FICO royalty-driven margin headwinds, some regional softness (Asia Pacific) and near-term margin drag from acquisitions. Management emphasized conservative assumptions for mortgage and expects underlying margins and non-mortgage growth to remain healthy.View all DE:1TU earnings summaries

                    1TU Stock 12 Month Forecast

                    Average Price Target

                    €79.25
                    ▲(19.17% Upside)
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14,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 6, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 2</span>\n      ","marker":{"lineColor":"#199ca5","enabled":true,"symbol":"circle"}},{"y":71.749,"date":1764547200000,"info":" <span style=\"color:#199ca5\" class=\"mb3 mt2 fonth8_semibold\"> Strong Buy</span>\n            <div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 17,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 6, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 2</span>\n      ","marker":{"lineColor":"#199ca5","enabled":true,"symbol":"circle"}},{"y":73.243,"date":1767225600000,"info":" <span style=\"color:#199ca5\" class=\"mb3 mt2 fonth8_semibold\"> Strong Buy</span>\n            <div class=\"flexrcb px3 displayflex fonth9_semibold\"><span  style=\"color:#199ca5\">Buy 9,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 1, \t&nbsp;</span>\n   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