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TransUnion (TRU)
NYSE:TRU
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TransUnion (TRU) Price & Analysis

600 Followers

TRU Stock Chart & Stats

$85.01
$0.73(0.95%)
At close: 4:00 PM EDT
$85.01
$0.73(0.95%)

Bulls Say, Bears Say

Bulls Say
Raised Growth OutlookThe raised outlook indicates broad operating momentum and greater confidence in demand across TransUnion’s data, analytics, and decisioning services. Sustained organic growth combined with double-digit EPS expansion can strengthen reinvestment capacity and support earnings compounding over the next several quarters.
Platform ModernizationAccelerating OneTru adoption can deepen customer integration with TransUnion’s platform and improve the ability to bundle data, analytics, and software services. Completing migrations may create a more scalable operating model while supporting retention, cross-selling, and recurring usage-based revenue.
Strong Cash GenerationHealthy operating and free cash flow provides internal funding for product development, platform modernization, acquisitions, debt reduction, and shareholder returns. This cash generation gives TransUnion flexibility to pursue its strategy while reducing reliance on external financing over the medium term.
Bears Say
Leveraged Balance SheetAlthough leverage has improved from prior levels, debt remains meaningfully higher than equity and can constrain financial flexibility. Interest obligations and the need to manage a 2.6x leverage ratio may limit the company’s capacity to fund acquisitions, repurchases, or investment during weaker conditions.
FICO Royalty Margin DragThe royalty burden is a structural pressure on reported profitability within mortgage-related activity, even as underlying margins are expected to expand. Continued drag can limit consolidated margin improvement and reduce how much of revenue growth converts into EBITDA and earnings.
Acquisition Integration CostsRecent acquisitions are contributing to growth but also create near-term integration and profitability pressure. The stated margin impact means acquired revenue may not immediately carry through at established company-level margins, potentially delaying operating leverage until integration benefits are realized.

TransUnion News

TRU FAQ

What was TransUnion’s price range in the past 12 months?
TransUnion lowest stock price was $60.96 and its highest was $89.12 in the past 12 months.
    What is TransUnion’s market cap?
    TransUnion’s market cap is $14.99B.
      When is TransUnion’s upcoming earnings report date?
      TransUnion’s upcoming earnings report date is Oct 27, 2026 which is in 4 days.
        How were TransUnion’s earnings last quarter?
        TransUnion released its earnings results on Jul 28, 2026. The company reported $1.23 earnings per share for the quarter, beating the consensus estimate of $1.155 by $0.075.
          Is TransUnion overvalued?
          According to Wall Street analysts TransUnion’s price is currently Undervalued. Get more investment ideas with TipRanks Premium
            Does TransUnion pay dividends?
            TransUnion pays a Quarterly dividend of $0.125 which represents an annual dividend yield of 0.62%. See more information on TransUnion dividends here
              What is TransUnion’s EPS estimate?
              TransUnion’s EPS estimate is 1.21.
                How many shares outstanding does TransUnion have?
                TransUnion has 191,600,000 shares outstanding.
                  What happened to TransUnion’s price movement after its last earnings report?
                  TransUnion reported an EPS of $1.23 in its last earnings report, beating expectations of $1.155. Following the earnings report the stock price went up 8.493%.
                    Which hedge fund is a major shareholder of TransUnion?
                    Currently, no hedge funds are holding shares in TRU
                    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

                      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 (TRU) Earnings & Revenues

                      TRU Company Deck

                      TRU 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 TRU earnings summaries

                      TRU Stock 12 Month Forecast

                      Average Price Target

                      $93.12
                      ▲(9.54% Upside)
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21,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 5, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 0</span>\n      ","marker":{"lineColor":"#199ca5","enabled":true,"symbol":"circle"}},{"y":78.054,"date":1772323200000,"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 29,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 9, \t&nbsp;</span>\n              <span  style=\"color:#912767\">Sell 0</span>\n      ","marker":{"lineColor":"#199ca5","enabled":true,"symbol":"circle"}},{"y":68.565,"date":1775001600000,"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 34,\t&nbsp; </span>\n              <span  style=\"color:#828080\">Hold 15, \t&nbsp;</span>\n 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                      Ownership Overview

                      0.74%40.66%2.93%34.34%
                      2.93% Other Institutional Investors
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