TransUnion (TRU) AI Stock Analysis

• Market Cap: $16.56B
• Dividend Yield: 0.53%
• Average Volume (3M): 1.78M
• Price to Earnings (P/E): 40.0
• Beta (1Y): 1.54
• 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: 1,910,079
• 30 Day Avg. Volume: 1,779,222
• 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: 1.27
• Enterprise Value/Revenue: 4.74
• Enterprise Value/Gross Profit: 8.97
• Enterprise Value/Ebitda: 15.01
• 1Y Price Target: $101.43
• Price Target Upside: 18.97% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 15
• EPS Forecast (FY): 4.87
• Revenue Forecast (FY): $4.90B

• Rating: 73 Outperform
• Price Target: $97.00 ▲(13.77% Upside)

The score is driven primarily by solid financial performance (notably strong free cash flow growth and improving profitability) and a bullish earnings-call backdrop with raised guidance and an expanded buyback program. Technicals are supportive with positive trend/momentum, while the biggest constraint is valuation due to the elevated P/E and low dividend yield.

Positive Factors

Revenue Growth

Consistent high single-digit revenue growth across various segments indicates strong market demand and effective business strategies.

Technological Advancements

Advancements in technology modernization enhance operational efficiency and support future growth through innovative solutions.

Board Expansion

Bringing in leaders with AI and cloud expertise strengthens strategic capabilities, aligning with industry trends towards digital transformation.

Negative Factors

Consumer Interactive Revenue Decline

Decline in a key segment could indicate challenges in maintaining product relevance or competitive pressures, affecting overall growth.

Challenges in India

Underperformance in India due to trade actions and tariffs may hinder international expansion and revenue diversification efforts.

Public Sector Decline

Decline in public sector revenues suggests potential volatility in this segment, impacting overall revenue stability and growth.

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 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: 85.26
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Positive
• 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 85.26 is below the 20-day moving average (MA) of 85.77, above the 50-day MA of 83.77, and below the 200-day MA of 85.26, indicating a neutral trend. The MACD of 0.24 indicates Positive momentum. The RSI at 50.81 is Neutral, neither overbought nor oversold. The STOCH value of 47.60 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	73 Outperform	$16.56B	39.99	9.68%	0.53%	8.30%	86.97%
EFX	71 Outperform	$26.83B	41.55	13.38%	0.86%	6.35%	16.91%
VRSK	69 Neutral	$31.24B	34.22	270.50%	0.82%	7.30%	2.03%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

TransUnion Corporate Events

TransUnion expands board with technology and AI leaders

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 appointments effective January 5, 2026 and terms running until the 2026 annual shareholders’ meeting. Chakraborty, who will join the Technology Committee, and Yarkoni, who will serve on the Compensation Committee, bring deep experience in AI, cloud, and large-scale product and platform transformation, a move that underscores TransUnion’s strategic push to bolster its capabilities in AI-enabled, technology-driven information solutions and strengthen its positioning as a leader in data, analytics and digital platforms for global financial and commercial markets.

The most recent analyst rating on (TRU) stock is a Buy with a $118.00 price target. To see the full list of analyst forecasts on TransUnion stock, see the TRU Stock Forecast page.

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.