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TransUnion
(NYSE:TRU)
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Rating:75Outperform
Price Target:
$82.00
â–¼(-3.54% Downside)
Action:Reiterated
Date:07/29/26
TRU scores well primarily on improved financial performance (strong profitability recovery and healthy cash flow) and a constructive technical uptrend (price above all key moving averages). The latest earnings call further supports the outlook with raised guidance and broad operational momentum, while the overall score is tempered by a leveraged balance sheet and only middling valuation support (P/E ~21.9 and low dividend yield).
Positive Factors
Raised growth outlook
The 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.
Negative Factors
Leveraged balance sheet
Although 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Raised growth outlook
The 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.
Read all positive factors
TransUnion (TRU) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$14.99B
Dividend Yield0.62%
Average Volume (3M)3.00M
Price to Earnings (P/E)20.6
Beta (1Y)1.32
Revenue Growth12.37%
EPS Growth90.36%
CountryUS
Employees13,500
SectorFinancial
Sector Strength70
IndustryFinancial - Data & Stock Exchanges
Share Statistics
EPS (TTM)3.83
Shares Outstanding191,600,000
10 Day Avg. Volume3,229,716
30 Day Avg. Volume2,996,484
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 Cap1.26
Enterprise Value/Revenue3.87
Enterprise Value/Gross Profit6.94
Enterprise Value/Ebitda10.35
Forecast
1Y Price Target
$93.12Price Target Upside9.54% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering18
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:Jul 28, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Oct 27, 2026
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.Positive Updates
Revenue and EPS Outperformance
Q2 reported revenue increased 15% year-over-year and organic constant currency revenue grew 10% (above prior 8–9% guidance). Adjusted diluted EPS was $1.23, up 13% year-over-year and $0.08 ahead of the high end of guidance.
Negative Updates
Margin Drag from FICO Mortgage Royalty
Adjusted EBITDA margin declined ~90 basis points YoY in Q2 driven entirely by FICO mortgage royalty impacts. Full-year guidance assumes a ~90 basis point drag from FICO royalties.
Read all updates
Q2-2026 Updates
Positive
Negative
Revenue and EPS Outperformance
Q2 reported revenue increased 15% year-over-year and organic constant currency revenue grew 10% (above prior 8–9% guidance). Adjusted diluted EPS was $1.23, up 13% year-over-year and $0.08 ahead of the high end of guidance.
Read all positive updates
Company Guidance
TransUnion raised full‑year 2026 guidance to revenue $5.127–$5.162B (up 12–13% y/y), organic constant‑currency revenue growth of 8–9% (5–6% excl. FICO mortgage royalties), adjusted EBITDA $1.807–$1.827B (up 10–11%) with a margin of 35.2–35.4% (down 60–80 bps) while underlying margins are expected to expand 50–70 bps but face a ~90‑bp drag from FICO royalties and a ~40‑bp acquisition impact, and adjusted diluted EPS $4.75–$4.83 (up 11–12%, raised from 9–11%). Q3 guidance: revenue $1.292–$1.310B (up 11–12%) comprising 6–8% organic CCC growth plus a ~4.5‑ppt acquisition contribution, organic ex‑FICO 4–5.5%; adjusted EBITDA $455–$463M (up 7–9%) implying 35.2–35.4% margin; adjusted EPS $1.18–$1.21 (up 7–10%). Mortgage guidance remains +28% for the year (6% excl. FICO) with mid‑to‑high‑single‑digit inquiry declines expected full‑year and low‑double‑digit declines in H2. Management also noted YTD share repurchases of ~2.1M shares (~$150M at ~$71 avg), Q2 net debt $5.6B with $839M cash and 2.6x leverage (target <2.5x), a bias toward continued buybacks in H2, and said if current trends persist results could be at or slightly above the high end of these ranges.TransUnion Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
62
Positive
Cash Flow
74
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 4.90B | 4.58B | 4.18B | 3.83B | 3.71B | 2.96B |
| Gross Profit | 2.73B | 2.70B | 2.51B | 2.31B | 2.32B | 1.94B |
| EBITDA | 1.83B | 1.45B | 1.20B | 667.30M | 1.13B | 995.20M |
| Net Income | 847.90M | 455.40M | 284.40M | -206.20M | 266.30M | 1.39B |
Balance Sheet | ||||||
| Total Assets | 12.19B | 11.11B | 10.98B | 11.11B | 11.67B | 12.63B |
| Cash, Cash Equivalents and Short-Term Investments | 839.10M | 856.30M | 682.00M | 478.90M | 587.90M | 1.85B |
| Total Debt | 5.66B | 5.16B | 5.21B | 5.45B | 5.81B | 6.52B |
| Total Liabilities | 7.19B | 6.57B | 6.67B | 7.00B | 7.40B | 8.63B |
| Stockholders Equity | 4.84B | 4.44B | 4.22B | 4.01B | 4.17B | 3.91B |
Cash Flow | ||||||
| Free Cash Flow | 787.90M | 661.60M | 516.70M | 334.70M | -1.00M | 584.10M |
| Operating Cash Flow | 1.10B | 987.60M | 832.50M | 645.40M | 297.20M | 808.30M |
| Investing Cash Flow | -788.90M | -331.70M | -307.40M | -318.90M | -723.90M | -2.21B |
| Financing Cash Flow | -147.60M | -494.60M | -308.70M | -438.80M | -820.50M | 2.76B |
TransUnion Technical Analysis
Positive
85.01
Price Trends
74.90
Positive
74.54
Positive
74.15
Positive
Market Momentum
0.65
Negative
67.30
Neutral
89.16
Negative
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 67.65, above the 50-day MA of 74.90, and above the 200-day MA of 74.15, indicating a bullish trend. The MACD of 0.65 indicates Negative momentum. The RSI at 67.30 is Neutral, neither overbought nor oversold. The STOCH value of 89.16 is Negative, 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 |
|---|---|---|---|---|---|---|---|
79 Outperform | $130.64B | 26.97 | 15.47% | 0.87% | 9.67% | 26.18% | |
75 Outperform | $14.99B | 20.61 | 18.32% | 0.62% | 12.37% | 90.36% | |
73 Outperform | $11.11B | 21.88 | 25.61% | 1.41% | 6.65% | -7.20% | |
73 Outperform | $7.94B | 20.15 | 35.29% | 0.94% | 9.33% | 12.16% | |
72 Outperform | $82.33B | 29.23 | 86.44% | 0.84% | 9.00% | 31.83% | |
72 Outperform | $43.02B | 32.15 | -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
83.46
0.51
0.62%
FDS
Factset Research
335.45
53.66
19.04%
SPGI
S&P Global
453.10
0.56
0.12%
MCO
Moody's
491.05
15.87
3.34%
MORN
Morningstar
223.33
7.60
3.52%
MSCI
MSCI
620.24
89.12
16.78%
TransUnion Corporate Events
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.