TransUnion
TRU · Price history
Price at last available close
$75.42
+$9.23 (+13.94%) 1M
2026-10-27
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Company & revenue
About TransUnion
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
TransUnion operates as a global consumer credit reporting agency that provides risk and information solutions. The company operates in two segments, U. S.
How they make money
TransUnion generates revenue by providing data, analytics, and actionable insights to businesses and consumers. The company collects and analyzes consumer financial data to offer credit reporting, risk management, identity verification, and fraud mitigation solutions, while also providing consumers with tools to manage their personal credit and financial health.
Products & services
Credit reporting, credit marketing, analytics and consulting, identity verification, authentication, debt recovery solutions, and consumer-facing credit monitoring and identity protection services.
Brands & revenue mix
The primary brand under which the company provides its global information and risk solutions.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
Geographic revenue
Customer types
Customer concentration
The company reports that no single customer accounted for more than 10% of its consolidated revenue for the fiscal year ended December 31, 2025.
Suppliers, materials & equipment
- Data providers — Various financial institutions and public record sources that provide the raw data used for credit reporting.Source
Competitors
Strengths
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
50
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
67
Fair
Financial Strength
70
Business Quality / Moat
85
Management
73
Growth Quality
40
Risk / Durability
40
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
70
Fully Valued
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
70/100
Building Historical Record
Model Score 70/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is mixed across its combined quality, valuation and risk inputs. Review the category scores to identify what is helping or hurting the result.
At today’s price, the WSS valuation framework currently reads as moderate rather than unusually attractive.
The model outlook is currently positive.
- •Balance-sheet / debt profile scores strongly
- •Valuation scores attractively
- •Recent buyback activity is present
- •Revenue fundamentals are weak
- •Asset quality is a weaker factor
Company-specific research
Questions worth answering for TRU
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can TRU maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is TRU's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Is TRU's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •Is TRU's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
50
Opportunity Score
70
Market Cap
$14.45B
P/E Ratio
16.4
EPS
$3.83
52-Week High
$89.12
52-Week Low
$60.96
Beta
1.54
Intrinsic Value
$88.07
Analyst Target
$98.00
Shares Outstanding
196.6M
Total Revenue
$4.90B
Total Debt
$5.66B
Dividend
No current dividend
Liquidation Value / Share
$25.43
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Neutral / mixed momentum
Elevated movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for TRU
Detected from reported data — verify before acting.Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Community Sentiment
0 active · 0 total callsNo personal call yet on TRU.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Highly recurring and diversified revenue streams.
- +Deep analytics expertise and predictive modeling tools.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Financial - Data & Stock Exchanges industry.
- −Regulatory and legal risks related to data privacy and credit reporting.
- −Dependence on the accuracy and availability of data from third-party sources.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
2 historical score records availablePrevious Score
36
Jul 24, 2026
Change
+14.5
points
Current Score
50
Oct 1, 2026
Category Changes
TRU increased 14.5 points because Revenue improved by 7.6 points, Asset improved by 3 points, Capital improved by 18 points.
Positive Contributors
- + Revenue improved by 7.6 points
- + Asset improved by 3 points
- + Capital improved by 18 points
- + Valuation improved by 64.1 points
- + Buffett improved by 8.4 points
Projected Score
Projected Score
60
Projected Change
+9.6 points
Preliminary comparable-period financial changes suggest improvement of approximately 9.6 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
UndervaluedCurrent Price
$75.42
Model Intrinsic Value
$88.07
Difference
−$12.65
-14.4% vs IV
Margin of Safety
14.4%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $4.90B | $4.58B | $4.18B | $3.83B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $2.17B | $1.87B | $1.67B | $1.52B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $2.73B | $2.70B | $2.51B | $2.31B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $1.35B | $1.26B | $1.24B | $1.17B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $1.65B | $1.85B | $1.84B | $2.19B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $1.83B | $1.45B | $1.20B | $667.3M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $1.08B | $857.8M | $666.7M | $128.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $251.9M | $235.8M | $265.2M | $288.2M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $922.0M | $643.0M | $401.1M | -$145.3M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $60.4M | $173.1M | $98.8M | $44.7M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $847.9M | $455.4M | $284.4M | -$206.2M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $3.83 | $2.34 | $1.46 | $-1.07 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 192M | 194M | 194M | 193M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 194M | 197M | 197M | 193M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$1.31B
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$0.74
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
+8.9%
Cash Change
+22.1%
Margin Change
+9.7 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Margins expanded
- Cash position grew
What Weakened
- Debt increased
Potential Score Impact
Positive indicators included revenue growth, EPS growth, cash levels, net income margin. Pressure indicators included debt levels. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 14.9%. EPS increased 32.1%. Cash increased 22.1%. Total debt increased 8.9%. Net income margin improved by 9.7 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
41
Smart Money
41
Number of Gurus
1
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Dividend data is not available yet. Missing data does not mean this company pays no dividend.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
2 historical records2 historical score records available.
Historical Score Chart
2 of 2 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Financial - Data & Stock ExchangesNews
TransUnion (TRU) Reports Q3 Earnings: What Key Metrics Have to Say
TransUnion (TRU) Q3 Earnings and Revenues Surpass Estimates
81% of Suspected Digital Fraud Attacks Target Existing Customer Relationships, TransUnion Finds
TransUnion Launches Industry-First Adverse-Actionable Scores to Combat Synthetic Identity Fraud and Credit Washing, Now Being Integrated With Oscilar
Rumor Mill · TRU
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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