TRU Stock Analysis: TransUnion | NYSE
Financial Data & Stock Exchanges | NYSE, USA | Market Cap: 14.659m USD | 12M Return: -21% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 171M
EPS Trend: 98.8%
Qual. Beats: 5
Rev. Trend: 99.5%
Qual. Beats: 5
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
TransUnion is a global consumer credit reporting agency that generates revenue primarily by selling risk and information solutions to lenders, insurers, and other businesses. The company operates through two segments: U.S. Markets, which serves financial institutions, insurance, technology, retail/e-commerce, telecommunications, media, tenant and employment screening, collections, and public-sector clients; and International, which provides similar credit reporting, analytics, and risk management services across financial services, retail credit, insurance, automotive, collections, public sector, and communications industries. The U.S. credit reporting industry is structured as an oligopoly dominated by three major nationwide bureaus-TransUnion, Equifax, and Experian-which together maintain the most comprehensive repositories of consumer credit data used by lenders for underwriting and risk decisions.
The U.S. Markets segment offers a broad product suite spanning credit reporting, credit marketing, analytics and consulting, identity verification and authentication, debt recovery, onboarding and transaction processing, fraud and identity management, and customer retention solutions, along with consumer-facing offerings such as credit reports, scores, credit freezes, monitoring, identity protection, and data-breach response services. The International segment delivers credit reports, analytics, technology solutions, consumer credit management tools, credit bureau services, and industry-specific offerings in insurance, automotive, and commercial credit information.
TransUnion was founded in 1968 and is headquartered in Chicago, Illinois. It was previously named TransUnion Holding Company, Inc. before adopting its current name in March 2015, and subsequently completed its IPO later that year. The business is highly regulated under frameworks such as the U.S. Fair Credit Reporting Act, which governs how consumer credit data is collected, stored, and shared.
- U.S. Markets revenue pressured by mortgage volume decline
- Emerging market credit demand drives International segment growth
- Consumer credit deterioration impacts volumes and pricing
| Net Income: 704.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.06 > 0.02 and ΔFCF/TA 1.13 > 1.0 |
| NWC/Revenue: 20.56% < 20% (prev 21.84%; Δ -1.28% < -1%) |
| CFO/TA 0.08 > 3% & CFO 1.02b > Net Income 704.6m |
| Net Debt (5.03b) to EBITDA (1.71b): 2.95 < 3 |
| Current Ratio: 1.93 > 1.5 & < 3 |
| Outstanding Shares: last quarter (194.7m) vs 12m ago -1.32% < -2% |
| Gross Margin: 52.73% > 18% (prev 59.78%; Δ -7.05% > 0.5%) |
| Asset Turnover: 41.11% > 50% (prev 38.89%; Δ 2.21% > 0%) |
| Interest Coverage Ratio: 4.63 > 6 (EBIT TTM 1.12b / Interest Expense TTM 241.7m) |
| A: 0.08 (Total Current Assets 2.02b - Total Current Liabilities 1.05b) / Total Assets 12.0b |
| B: 0.26 (Retained Earnings 3.10b / Total Assets 12.0b) |
| C: 0.10 (EBIT TTM 1.12b / Avg Total Assets 11.5b) |
| D: 0.67 (Book Value of Equity 4.75b / Total Liabilities 7.13b) |
| Altman-Z'' = 2.72 = A |
| DSRI: 0.97 (Receivables 1.05b/973.6m, Revenue 4.73b/4.26b) |
| GMI: 1.13 (GM 59.78% / 52.73%) |
| AQI: 1.00 (AQ_t 0.81 / AQ_t-1 0.81) |
| SGI: 1.11 (Revenue 4.73b / 4.26b) |
| TATA: -0.03 (NI 704.6m - CFO 1.02b) / TA 12.0b) |
| Beneish M = -2.85 (Cap -4..+1) = A |
As of July 28, 2026, the stock is trading at USD 77.24 with a total of 4,018,249 shares traded. Over the past week, the price has changed by -2.24%, over one month by +7.59%, over three months by +8.69% and over the past year by -20.95%.
Current recommended Stop Loss: 71.40 (which is 7.6% or 2 ATR below the current price).
TransUnion has received a consensus analysts rating of 4.20. Therefore, it is recommended to buy TRU.
- StrongBuy: 10
- Buy: 5
- Hold: 4
- Sell: 1
- StrongSell: 0
| Analysts Target Price | 90 | 16.5% |
P/E Trailing = 21.9107
P/E Forward = 16.3132
P/S = 3.1015
P/B = 3.2045
P/EG = 0.9717
Revenue TTM = 4.73b USD
EBIT TTM = 1.12b USD
EBITDA TTM = 1.71b USD
Long Term Debt = 5.40b USD (from longTermDebt, last quarter)
Short Term Debt = 224.1m USD (from shortTermDebt, last quarter)
Debt = 5.76b USD (from shortLongTermDebtTotal, last quarter) + Leases 77.2m
Net Debt = 5.03b USD (calculated: Debt 5.76b - CCE 732.5m)
Enterprise Value = 19.7b USD (14.7b + Debt 5.76b - CCE 732.5m)
Interest Coverage Ratio = 4.63 (Ebit TTM 1.12b / Interest Expense TTM 241.7m)
EV/FCF = 28.27x (Enterprise Value 19.7b / FCF TTM 696.5m)
FCF Yield = 3.54% (FCF TTM 696.5m / Enterprise Value 19.7b)
FCF Margin = 14.74% (FCF TTM 696.5m / Revenue TTM 4.73b)
Net Margin = 14.91% (Net Income TTM 704.6m / Revenue TTM 4.73b)
Gross Margin = 52.73% ((Revenue TTM 4.73b - Cost of Revenue TTM 2.23b) / Revenue TTM)
Gross Margin QoQ = 58.30% (prev 59.35%)
Tobins Q-Ratio = 1.63 (Enterprise Value 19.7b / Total Assets 12.0b)
Interest Expense / Debt = 4.19% (Interest Expense 241.7m / Debt 5.76b)
Taxrate = 18.19% (159.6m / 877.2m)
NOPAT = 915.4m (EBIT 1.12b * (1 - 18.19%))
Current Ratio = 1.93 (Total Current Assets 2.02b / Total Current Liabilities 1.05b)
Debt / Equity = 1.21 (Debt 5.76b / totalStockholderEquity, last quarter 4.75b)
Debt / EBITDA = 2.95 (Net Debt 5.03b / EBITDA 1.71b)
Debt / FCF = 7.22 (Net Debt 5.03b / FCF TTM 696.5m)
Total Stockholder Equity = 4.55b (last 4 quarters mean from totalStockholderEquity)
RoA = 6.13% (Net Income 704.6m / Total Assets 12.0b)
RoE = 15.50% (Net Income TTM 704.6m / Total Stockholder Equity 4.55b)
RoCE = 11.25% (EBIT 1.12b / Capital Employed (Equity 4.55b + L.T.Debt 5.40b))
RoIC = 8.33% (NOPAT 915.4m / Invested Capital 11.0b)
WACC = 8.46% (E(14.7b)/V(20.4b) * Re(10.43%) + D(5.76b)/V(20.4b) * Rd(4.19%) * (1-Tc(0.18)))
Discount Rate = 10.43% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 16.67 | Cagr: 0.09%
[DCF] Terminal Value 77.63% ; FCFF base≈621.6m ; Y1≈712.5m ; Y5≈1.05b
[DCF] Fair Price = 54.28 (EV 15.5b - Net Debt 5.03b = Equity 10.5b / Shares 192.8m; r=8.46% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 98.80 | EPS CAGR: 11.89% | SUE: 2.11 | # QB: 5
Revenue Correlation: 99.50 | Revenue CAGR: 8.85% | SUE: 2.17 | # QB: 5
EPS current Quarter (2026-06-30): EPS=1.15 | Chg30d=+0.01% | Revisions=-30% | Analysts=18
EPS next Quarter (2026-09-30): EPS=1.23 | Chg30d=-0.19% | Revisions=-29% | Analysts=18
EPS current Year (2026-12-31): EPS=4.78 | Chg30d=+0.00% | Revisions=+0% | GrowthEPS=+11.1% | GrowthRev=+12.1%
EPS next Year (2027-12-31): EPS=5.59 | Chg30d=+0.11% | Revisions=+7% | GrowthEPS=+16.9% | GrowthRev=+8.2%
[Analyst] Revisions Ratio: -11% (up=15, down=19)