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TransUnion
(NYSE:TRU)
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Rating:74Outperform
Price Target:
$87.00
â–²(13.71% Upside)
Action:Reiterated
Date:07/28/26
TRU scores well primarily on improving fundamentals and a notably upbeat earnings update with raised full-year guidance and continued capital return. Financial performance is solid but tempered by leverage and slowing TTM revenue growth, while technicals are supportive based on moving averages. Valuation is reasonable but not compelling, and the low dividend yield adds limited support.
Positive Factors
Strong cash generation
TransUnion’s near-billion-dollar operating cash flow and robust free cash flow provide durable funding for reinvestment, product development, and shareholder returns. Reliable FCF supports deleveraging, buybacks and strategic M&A without immediate reliance on external financing, improving long-term financial resilience.
Negative Factors
Elevated leverage
TransUnion’s leverage remains meaningfully above 1x and near management’s target threshold, constraining financial flexibility. Elevated net debt increases sensitivity to rising rates and limits capacity for large buybacks or aggressive M&A without extending maturities or improving cash flow conversion materially over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong cash generation
TransUnion’s near-billion-dollar operating cash flow and robust free cash flow provide durable funding for reinvestment, product development, and shareholder returns. Reliable FCF supports deleveraging, buybacks and strategic M&A without immediate reliance on external financing, improving long-term financial resilience.
Read all positive factors
TransUnion (TRU) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$15.06B
Dividend Yield0.61%
Average Volume (3M)2.63M
Price to Earnings (P/E)20.5
Beta (1Y)1.45
Revenue Growth12.37%
EPS Growth90.36%
CountryUS
Employees13,500
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)3.83
Shares Outstanding191,600,000
10 Day Avg. Volume1,827,191
30 Day Avg. Volume2,630,916
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$95.80Price Target Upside25.21% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering17
EPS Forecast (FY)4.84
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 primarily makes money by selling data-driven products and services—delivered via reports, scores, analytics platforms, and APIs—to business customers and consumers. Major revenue streams include: (1) Business-to-business (B2B) informati...
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
76.51
Price Trends
73.61
Positive
72.03
Positive
76.29
Positive
Market Momentum
2.01
Positive
55.61
Neutral
54.53
Neutral
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 76.51 is below the 20-day moving average (MA) of 78.37, above the 50-day MA of 73.61, and above the 200-day MA of 76.29, indicating a bullish trend. The MACD of 2.01 indicates Positive momentum. The RSI at 55.61 is Neutral, neither overbought nor oversold. The STOCH value of 54.53 is Neutral, 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 |
|---|---|---|---|---|---|---|---|
74 Outperform | $15.06B | 20.53 | 18.32% | 0.63% | 12.37% | 90.36% | |
72 Outperform | $25.36B | 29.88 | -211.97% | 0.94% | 5.01% | 0.06% | |
69 Neutral | $20.28B | 30.13 | 14.98% | 1.23% | 10.35% | 11.11% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
TRU
TransUnion
79.97
-10.08
-11.19%
EFX
Equifax
177.37
-62.02
-25.91%
VRSK
Verisk Analytics
188.75
-73.39
-28.00%
TransUnion Corporate Events
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...
Executive/Board ChangesShareholder Meetings
TransUnion Shareholders Back Board, Auditor and Governance Changes
Positive
May 15, 2026
TransUnion held its Annual Meeting of Stockholders on May 12, 2026, at which shareholders elected twelve directors to one-year terms expiring at the 2027 meeting and ratified PricewaterhouseCoopers LLP as the company’s independent auditor fo...
Business Operations and StrategyFinancial DisclosuresM&A Transactions
TransUnion Raises 2026 Outlook After Strong Q1 Results
Positive
Apr 28, 2026
TransUnion reported strong first-quarter 2026 results on April 28, 2026, with revenue rising 14% year over year to $1.25 billion, or 11% on an organic constant-currency basis, led by 24% growth in U.S. Financial Services and solid gains across mos...
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.