TransUnion (TRU) AI Stock Analysis

• Market Cap: $16.40B
• Dividend Yield: 0.54%
• Average Volume (3M): 1.94M
• Price to Earnings (P/E): 39.6
• Beta (1Y): 1.58
• 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: 1,485,596
• 30 Day Avg. Volume: 1,943,519
• 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: 1.28
• Enterprise Value/Revenue: 4.74
• Enterprise Value/Gross Profit: 8.97
• Enterprise Value/Ebitda: 15.01
• 1Y Price Target: $101.07
• Price Target Upside: 19.65% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 16
• EPS Forecast (FY): 4.25
• Revenue Forecast (FY): $4.53B

• Rating: 74 Outperform
• Price Target: $95.00 ▲(12.47% Upside)

TransUnion's overall stock score of 74 reflects strong financial performance and a positive earnings call, highlighting robust revenue growth and strategic advancements. However, the stock's high valuation and moderate technical indicators slightly offset these strengths.

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 (TRU) is a global information and insights company that specializes in credit reporting and risk management services. Operating primarily in the financial services, insurance, healthcare, and telecommunications sectors, TransUnion provides a comprehensive suite of solutions, including credit reports, credit scores, identity theft protection, and analytical tools. The company's core products are designed to help businesses make informed decisions, mitigate risks, and enhance customer relationships by leveraging data analytics and technology.

How the Company Makes Money

TransUnion generates revenue through multiple streams, primarily from its Credit Reporting and Analytics segment, which includes the sale of credit reports and scores to lenders and other businesses that require consumer credit data for decision-making. Additionally, the company earns income from its Fraud and Risk Management services, which help organizations prevent identity theft and reduce fraud-related losses. TransUnion also offers specialized solutions for various industries, such as healthcare and telecommunications, contributing to its diversified revenue base. Significant partnerships with financial institutions, data providers, and technology firms enhance its ability to deliver integrated solutions and expand its market reach, further supporting its earnings. The company's ongoing investment in data innovation and analytics capabilities plays a crucial role in driving its growth and profitability.

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: Positive
• Last Price: 84.47
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: 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 84.47 is above the 20-day moving average (MA) of 82.50, above the 50-day MA of 81.13, and below the 200-day MA of 85.44, indicating a neutral trend. The MACD of 0.73 indicates Negative momentum. The RSI at 56.06 is Neutral, neither overbought nor oversold. The STOCH value of 59.41 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TRU.

TransUnion Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
TRU	74 Outperform	$16.40B	39.62	9.68%	0.54%	8.30%	86.97%
EFX	71 Outperform	$25.89B	40.09	13.38%	0.89%	6.35%	16.91%
VRSK	71 Outperform	$30.83B	33.77	270.50%	0.79%	7.30%	2.03%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

TransUnion Corporate Events

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.