TransUnion Corp. (TRU)
NYSE:TRU
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TransUnion
(NYSE:TRU)
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Rating:64Neutral
Price Target:
$80.00
â–²(17.87% Upside)
Action:ReiteratedDate:03/11/26
The score is driven primarily by improving fundamentals and a positive 2026 outlook (profitability recovery, stronger operating/FCF, and upbeat guidance), tempered by elevated leverage and a weak technical setup (trading below major moving averages). Valuation is also demanding (36.6x P/E) with a low dividend yield, limiting room for disappointment.
Positive Factors
Sustained Revenue Growth & Diversified Streams
Consistent revenue expansion over five years reflects durable demand across credit, fraud, marketing and consumer offerings. Diversified recurring subscriptions and transaction fees reduce single-market dependency and support predictable top-line scaling and long-term commercial resiliency.
Negative Factors
Elevated Leverage
High absolute debt and leverage constrain financial flexibility and raise interest burden risks. With ~$220M net interest guidance and volatile cash conversion historically, elevated leverage limits the firm's capacity to absorb shocks or pursue large strategic investments without refinancing risk.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained Revenue Growth & Diversified Streams
Consistent revenue expansion over five years reflects durable demand across credit, fraud, marketing and consumer offerings. Diversified recurring subscriptions and transaction fees reduce single-market dependency and support predictable top-line scaling and long-term commercial resiliency.
Read all positive factors
TransUnion (TRU) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$13.07B
Dividend Yield0.53%
Average Volume (3M)2.39M
Price to Earnings (P/E)36.6
Beta (1Y)1.52
Revenue Growth8.30%
EPS Growth86.97%
CountryUS
Employees13,000
SectorFinancial
Sector Strength70
IndustryConsulting Services
Share Statistics
EPS (TTM)1.07
Shares Outstanding192,600,000
10 Day Avg. Volume1,873,793
30 Day Avg. Volume2,392,183
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 Cap1.39
Enterprise Value/Revenue3.97
Enterprise Value/Gross Profit7.52
Enterprise Value/Ebitda12.51
Forecast
1Y Price Target
$92.29Price Target Upside35.98% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering16
EPS Forecast (FY)4.78
Revenue Forecast (FY)$5.03B
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...
How the Company Makes Money
TransUnion primarily makes money by selling data-driven products and software-enabled services that help customers evaluate credit risk, verify identities, prevent fraud, and support marketing and account management decisions. Key revenue streams ...
TransUnion Earnings Call Summary
Earnings Call Date:Feb 12, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:Apr 28, 2026
Earnings Call Sentiment Positive
The call presented a clearly positive operational and financial story: TransUnion delivered strong Q4 and full-year results, exceeded guidance, completed a multi-year transformation, returned capital to shareholders, and provided conservative but healthy guidance for 2026 backed by product momentum (OneTru, TruIQ, Trusted Call Solutions) and margin improvement ex-FICO. The main headwinds are concentrated in international/India market softness, mortgage volume uncertainty and near-term margin seasonality (partly driven by no-profit FICO royalties). On balance, the highlights—robust U.S. growth, improved operating leverage, completed cost-savings program, strong free cash flow and shareholder returns, and multi-product momentum—outweigh the regional and timing challenges.Positive Updates
Strong Q4 and Full-Year Revenue Growth
Consolidated revenue increased 13% reported and 12% organic constant currency in Q4; U.S. markets grew 16% organic CC. Company delivered a second straight year of high single-digit organic revenue growth (ex-FICO) for 2025 and exceeded initial guidance by $183 million on revenue for the year.
Negative Updates
India Weakness and Slower Near-Term Recovery
India revenue declined 4% in Q4 and grew only 2% for the year. Management expects a Q1 2026 decline in India (high single-digit drop) and forecasts only mid-single-digit growth for 2026 as unsecured personal loans and card originations remain subdued due to lender conservatism and earlier regulatory tightening.
Read all updates
Q4-2025 Updates
Positive
Negative
Strong Q4 and Full-Year Revenue Growth
Consolidated revenue increased 13% reported and 12% organic constant currency in Q4; U.S. markets grew 16% organic CC. Company delivered a second straight year of high single-digit organic revenue growth (ex-FICO) for 2025 and exceeded initial guidance by $183 million on revenue for the year.
Read all positive updates
Company Guidance
TransUnion guided to another strong 2026 with full-year revenue of $4.946–$4.981 billion (organic constant-currency growth of 8%–9%, or 5%–6% excluding FICO mortgage royalties), adjusted EBITDA of $1.756–$1.777 billion (up 7%–8%) and adjusted diluted EPS of $4.63–$4.71 (up 8%–10%); they expect adjusted EBITDA margins of 35.5%–35.7% (down 30–50 bps all‑in, but implying ~70 bps expansion ex‑FICO at the high end) with FX and acquisitions immaterial to revenue/EBITDA, depreciation & amortization ≈ $600M ($310M excl. step‑up), net interest ≈ $220M, an adjusted tax rate ≈ 26%, CapEx ≈ 6% of revenue, and free‑cash‑flow conversion ≥90%; Q1 specifics: revenue $1.195–$1.205B (organic +8%–9% cc, +5%–6% excl. FICO), EBITDA $414–$420M (margin 34.6%–34.9%, impacted by ~110 bps FICO drag), adjusted EPS $1.08–$1.10, FX a ~1‑point benefit, and mortgage expectations of ~$425M ex‑FICO (~+6%) or ~$750M reported (~+28%), while the planned Mexico acquisition (~$660M) is not included in guidance.TransUnion Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
58
Neutral
Cash Flow
74
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 4.58B | 4.18B | 3.83B | 3.71B | 2.96B |
| Gross Profit | 2.70B | 2.51B | 2.31B | 2.32B | 1.94B |
| EBITDA | 1.45B | 1.20B | 667.30M | 1.13B | 995.20M |
| Net Income | 455.40M | 284.40M | -206.20M | 266.30M | 1.39B |
Balance Sheet | |||||
| Total Assets | 11.11B | 10.98B | 11.11B | 11.67B | 12.63B |
| Cash, Cash Equivalents and Short-Term Investments | 856.30M | 682.00M | 478.90M | 587.90M | 1.85B |
| Total Debt | 5.16B | 5.21B | 5.45B | 5.81B | 6.52B |
| Total Liabilities | 6.57B | 6.67B | 7.00B | 7.40B | 8.63B |
| Stockholders Equity | 4.44B | 4.22B | 4.01B | 4.17B | 3.91B |
Cash Flow | |||||
| Free Cash Flow | 661.60M | 516.70M | 334.70M | -1.00M | 584.10M |
| Operating Cash Flow | 987.60M | 832.50M | 645.40M | 297.20M | 808.30M |
| Investing Cash Flow | -331.70M | -307.40M | -318.90M | -723.90M | -2.21B |
| Financing Cash Flow | -494.60M | -308.70M | -438.80M | -820.50M | 2.76B |
TransUnion Technical Analysis
Negative
67.87
Price Trends
72.67
Negative
78.39
Negative
82.67
Negative
Market Momentum
-1.34
Negative
41.82
Neutral
54.81
Neutral
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 67.87 is below the 20-day moving average (MA) of 69.63, below the 50-day MA of 72.67, and below the 200-day MA of 82.67, indicating a bearish trend. The MACD of -1.34 indicates Negative momentum. The RSI at 41.82 is Neutral, neither overbought nor oversold. The STOCH value of 54.81 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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)
TRU
TransUnion
67.87
-6.47
-8.71%
EFX
Equifax
177.97
-44.35
-19.95%
VRSK
Verisk Analytics
164.28
-128.54
-43.90%
TransUnion Corporate Events
Business Operations and StrategyFinancial DisclosuresM&A Transactions
TransUnion Outlines AI-Ready Growth Strategy at 2026 Investor Day
Positive
Mar 10, 2026
On March 10, 2026, TransUnion hosted its 2026 Investor Day in New York City, highlighting how several years of transformational investment have created a global, AI-ready platform built on proprietary data and the OneTru technology stack. Executiv...
Business Operations and StrategyStock BuybackDividendsFinancial DisclosuresPrivate Placements and Financing
TransUnion Posts Strong Q4 Results, Issues Upbeat 2026 Outlook
Positive
Feb 12, 2026
On February 11, 2026, TransUnion Intermediate Holdings, Trans Union LLC and certain subsidiaries amended their existing credit agreement to add $400 million of incremental revolving credit commitments, lifting total revolving commitments to $1 bil...
Business Operations and StrategyExecutive/Board Changes
TransUnion expands board with technology and AI leaders
Positive
Dec 23, 2025
On December 19, 2025, TransUnion’s board of directors voted to expand its size from 10 to 12 members and appointed former Workday executive Sayan Chakraborty and former Microsoft executive Charlotte Yarkoni as new directors, with their appoi...
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.