TransUnion (TRU) AI Stock Analysis

• Market Cap: $15.46B
• Dividend Yield: 0.57%
• Average Volume (3M): 3.79M
• Price to Earnings (P/E): 37.3
• Beta (1Y): 1.70
• Revenue Growth: 8.30%
• EPS Growth: 86.97%
• Country: US
• Employees: 13,000
• Sector: Financial
• Sector Strength: 70
• Industry: Consulting Services
• EPS (TTM): 1.10
• Shares Outstanding: 194,200,000
• 10 Day Avg. Volume: 2,940,082
• 30 Day Avg. Volume: 3,788,809
• PEG Ratio: -0.27
• Price to Book (P/B): 4.27
• Price to Sales (P/S): 4.31
• P/FCF Ratio: 34.88
• Enterprise Value/Market Cap: 1.36
• Enterprise Value/Revenue: 4.74
• Enterprise Value/Gross Profit: 8.97
• Enterprise Value/Ebitda: 15.01
• 1Y Price Target: $102.57
• Price Target Upside: 27.35% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 16
• EPS Forecast (FY): 4.25
• Revenue Forecast (FY): $4.53B

• Rating: 72 Outperform
• Price Target: $95.00 ▲(17.95% Upside)

TransUnion's overall stock score reflects strong financial performance and a positive earnings call, highlighting robust revenue growth and strategic advancements. However, technical indicators suggest potential bearish momentum, and the high P/E ratio indicates possible overvaluation. The company's reliance on debt and challenges in specific markets also temper the outlook.

Positive Factors

Revenue Growth

Consistent revenue growth across diverse segments indicates strong market demand and effective business strategies, supporting long-term expansion.

Technology Modernization

Advancements in technology modernization enhance operational efficiency and innovation, positioning TransUnion for sustained competitive advantage.

Cash Flow Generation

Strong cash flow generation supports financial stability and provides flexibility for strategic investments and shareholder returns.

Negative Factors

Reliance on Debt

While leverage management has improved, reliance on debt could limit financial flexibility and increase risk during economic downturns.

Challenges in India

Challenges in key international markets like India can hinder overall growth and diversification efforts, impacting long-term revenue potential.

Consumer Interactive Revenue Decline

Declines in specific segments like Consumer Interactive suggest potential vulnerabilities in product offerings, affecting overall revenue stability.

TransUnion Business Overview & Revenue Model

Company Description

TransUnion 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.

How the Company Makes Money

TransUnion generates revenue primarily through its core segments: Credit Report Services, Risk and Fraud Solutions, and Marketing Services. The company charges fees for its credit reports, credit scores, and risk assessment tools, which are sold to lenders and financial institutions for evaluating consumer creditworthiness. Additionally, TransUnion earns revenue from its risk and fraud solutions by providing businesses with tools to detect and prevent fraud, which is crucial for sectors like banking and insurance. Marketing services revenue comes from data-driven marketing solutions that help clients optimize customer acquisition and retention strategies. Significant partnerships with financial institutions and technology companies enhance its offerings, while the growing demand for data-driven decision-making continues to drive its earnings.

TransUnion Financial Statement Overview

Summary

TransUnion demonstrates solid financial health with consistent revenue growth and improved profitability. The company has managed its leverage effectively, though it still relies significantly on debt. Strong cash flow generation supports its financial stability, positioning the company well for future growth.

Income Statement

TransUnion's income statement shows a positive trajectory with a TTM revenue growth rate of 1.94%, indicating steady growth. The gross profit margin is healthy at 52.82%, though it has decreased from previous years. The net profit margin improved to 9.47% in the TTM, reflecting better profitability. However, the EBIT and EBITDA margins have shown fluctuations, suggesting some operational challenges.

Balance Sheet

The balance sheet reflects a moderate level of financial stability. The debt-to-equity ratio has improved to 1.14 in the TTM, indicating better leverage management. Return on equity is at 9.56%, showing efficient use of equity. However, the equity ratio is relatively low, suggesting a higher reliance on debt financing.

Cash Flow

Cash flow analysis reveals strong performance with a TTM free cash flow growth rate of 15.93%, indicating robust cash generation. The operating cash flow to net income ratio is 0.94, showing good cash conversion. The free cash flow to net income ratio is 0.62, reflecting efficient cash utilization.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	4.44B	4.18B	3.83B	3.71B	2.96B	2.53B
Gross Profit	2.35B	2.51B	2.31B	2.32B	1.94B	1.68B
EBITDA	1.40B	1.20B	667.30M	1.13B	995.20M	862.50M
Net Income	420.50M	284.40M	-206.20M	266.30M	1.39B	343.20M
Balance Sheet
Total Assets	11.11B	10.98B	11.11B	11.67B	12.63B	7.31B
Cash, Cash Equivalents and Short-Term Investments	752.50M	682.00M	478.90M	587.90M	1.85B	495.90M
Total Debt	5.18B	5.21B	5.45B	5.81B	6.52B	3.52B
Total Liabilities	6.53B	6.67B	7.00B	7.40B	8.63B	4.68B
Stockholders Equity	4.47B	4.22B	4.01B	4.17B	3.91B	2.54B
Cash Flow
Free Cash Flow	575.70M	516.70M	334.70M	-1.00M	584.10M	573.30M
Operating Cash Flow	922.10M	832.50M	645.40M	297.20M	808.30M	787.40M
Investing Cash Flow	-419.40M	-307.40M	-318.90M	-723.90M	-2.21B	-267.20M
Financing Cash Flow	-390.10M	-308.70M	-438.80M	-820.50M	2.76B	-296.90M

TransUnion Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 80.54
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TRU, the sentiment is Negative. The current price of 80.54 is below the 20-day moving average (MA) of 80.71, below the 50-day MA of 83.85, and below the 200-day MA of 86.86, indicating a bearish trend. The MACD of -0.74 indicates Negative momentum. The RSI at 47.26 is Neutral, neither overbought nor oversold. The STOCH value of 13.83 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for TRU.

TransUnion Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
TRU	72 Outperform	$15.46B	37.34	9.68%	0.57%	8.30%	86.97%
VRSK	70 Outperform	$29.83B	32.68	270.50%	0.84%	7.30%	2.03%
EFX	68 Neutral	$25.38B	39.30	13.38%	0.86%	6.35%	16.91%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

TransUnion Corporate Events

TransUnion’s Earnings Call Highlights Growth and Challenges

In the recent earnings call, TransUnion Corp. expressed a positive outlook, highlighting robust revenue growth across various segments and significant advancements in technology. The company also emphasized its increased share repurchase activities. However, challenges in India and declines in specific verticals were noted, indicating areas of concern amidst the overall optimistic scenario.

TransUnion Reports Strong Q3 2025 Financial Results

TransUnion Corp. is a global information and insights company operating in the financial services sector, providing credit reporting and analytics services to consumers and businesses across more than 30 countries.

TransUnion Reports Strong Q3 2025 Financial Results

On October 23, 2025, TransUnion announced its third-quarter financial results, reporting an 8% increase in total revenue to $1,170 million compared to the previous year. The company experienced significant growth in its U.S. Financial Services and Emerging Verticals segments, with revenue growth of 19% and 7.5%, respectively. TransUnion also increased its share repurchase authorization to $1 billion, reflecting strong earnings growth and improved cash flow. The company raised its 2025 financial guidance, now expecting revenue growth of 8 to 8.5%, supported by stable U.S. lending trends and strong commercial momentum. This performance underscores TransUnion’s robust market positioning and its commitment to returning capital to shareholders.

The most recent analyst rating on (TRU) stock is a Buy with a $121.00 price target. To see the full list of analyst forecasts on TransUnion stock, see the TRU Stock Forecast page.