(TRU) TransUnion - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US89400J1079
Stock: Credit Reporting, Data Analytics, Risk Management, Identity Protection
Total Rating 44
Risk 79
Buy Signal -0.45
| Risk 5d forecast | |
|---|---|
| Volatility | 41.8% |
| Relative Tail Risk | -6.62% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.15 |
| Alpha | -40.74 |
| Character TTM | |
|---|---|
| Beta | 1.432 |
| Beta Downside | 1.517 |
| Drawdowns 3y | |
|---|---|
| Max DD | 47.27% |
| CAGR/Max DD | 0.12 |
EPS (Earnings per Share)
Revenue
Description: TRU TransUnion March 04, 2026
TransUnion (TRU) is a global consumer credit reporting agency. It provides risk and information solutions, a core function in the financial services industry.
The company operates in two segments: U.S. Markets and International. The U.S. Markets segment offers credit reporting, identity verification, and debt recovery solutions to various sectors including financial services, insurance, and retail. This segment also provides credit monitoring and identity protection directly to consumers, a common offering for credit bureaus.
The International segment delivers credit reports, analytics, and risk management services across financial services, automotive, and other industries. This global reach is typical for major credit reporting agencies.
For more detailed analysis, consider exploring ValueRays comprehensive data.
Headlines to watch out for
- Consumer credit demand drives U.S. Markets revenue
- International segment expansion boosts global market share
- Regulatory scrutiny increases compliance costs
- Data security breaches risk reputational damage and fines
- Interest rate changes impact lending activity and data demand
Piotroski VR‑10 (Strict, 0-10) 7.5
| Net Income: 455.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.06 > 0.02 and ΔFCF/TA 1.25 > 1.0 |
| NWC/Revenue: 18.83% < 20% (prev 17.74%; Δ 1.09% < -1%) |
| CFO/TA 0.09 > 3% & CFO 987.6m > Net Income 455.5m |
| Net Debt (4.30b) to EBITDA (1.45b): 2.96 < 3 |
| Current Ratio: 1.75 > 1.5 & < 3 |
| Outstanding Shares: last quarter (194.9m) vs 12m ago -1.22% < -2% |
| Gross Margin: 52.79% > 18% (prev 0.60%; Δ 5.22k% > 0.5%) |
| Asset Turnover: 41.42% > 50% (prev 38.09%; Δ 3.33% > 0%) |
| Interest Coverage Ratio: 3.73 > 6 (EBITDA TTM 1.45b / Interest Expense TTM 235.8m) |
Altman Z'' 2.22
| A: 0.08 (Total Current Assets 2.02b - Total Current Liabilities 1.15b) / Total Assets 11.11b |
| B: 0.25 (Retained Earnings 2.72b / Total Assets 11.11b) |
| C: 0.08 (EBIT TTM 878.8m / Avg Total Assets 11.05b) |
| D: 0.36 (Book Value of Equity 2.39b / Total Liabilities 6.57b) |
| Altman-Z'' Score: 2.22 = BBB |
Beneish M -2.96
| DSRI: 0.93 (Receivables 905.0m/888.6m, Revenue 4.58b/4.18b) |
| GMI: 1.14 (GM 52.79% / 60.01%) |
| AQI: 0.97 (AQ_t 0.79 / AQ_t-1 0.81) |
| SGI: 1.09 (Revenue 4.58b / 4.18b) |
| TATA: -0.05 (NI 455.5m - CFO 987.6m) / TA 11.11b) |
| Beneish M-Score: -2.96 (Cap -4..+1) = A |
What is the price of TRU shares?
As of March 14, 2026, the stock is trading at USD 71.61 with a total of 2,948,652 shares traded.
Over the past week, the price has changed by -9.60%, over one month by -5.21%, over three months by -16.22% and over the past year by -12.54%.
Over the past week, the price has changed by -9.60%, over one month by -5.21%, over three months by -16.22% and over the past year by -12.54%.
Is TRU a buy, sell or hold?
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
What are the forecasts/targets for the TRU price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 94.9 | 32.5% |
| Analysts Target Price | 94.9 | 32.5% |
TRU Fundamental Data Overview March 10, 2026
P/E Trailing = 33.3534
P/E Forward = 15.9236
P/S = 3.2837
P/B = 3.3572
P/EG = 0.9806
Revenue TTM = 4.58b USD
EBIT TTM = 878.8m USD
EBITDA TTM = 1.45b USD
Long Term Debt = 4.91b USD (from longTermDebt, last quarter)
Short Term Debt = 216.7m USD (from shortTermDebt, last quarter)
Debt = 5.16b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 4.30b USD (from netDebt column, last quarter)
Enterprise Value = 19.33b USD (15.03b + Debt 5.16b - CCE 853.6m)
Interest Coverage Ratio = 3.73 (Ebit TTM 878.8m / Interest Expense TTM 235.8m)
EV/FCF = 29.22x (Enterprise Value 19.33b / FCF TTM 661.6m)
FCF Yield = 3.42% (FCF TTM 661.6m / Enterprise Value 19.33b)
FCF Margin = 14.46% (FCF TTM 661.6m / Revenue TTM 4.58b)
Net Margin = 9.95% (Net Income TTM 455.5m / Revenue TTM 4.58b)
Gross Margin = 52.79% ((Revenue TTM 4.58b - Cost of Revenue TTM 2.16b) / Revenue TTM)
Gross Margin QoQ = 59.35% (prev 46.48%)
Tobins Q-Ratio = 1.74 (Enterprise Value 19.33b / Total Assets 11.11b)
Interest Expense / Debt = 1.19% (Interest Expense 61.5m / Debt 5.16b)
Taxrate = 26.42% (37.6m / 142.3m)
NOPAT = 646.6m (EBIT 878.8m * (1 - 26.42%))
Current Ratio = 1.75 (Total Current Assets 2.02b / Total Current Liabilities 1.15b)
Debt / Equity = 1.16 (Debt 5.16b / totalStockholderEquity, last quarter 4.44b)
Debt / EBITDA = 2.96 (Net Debt 4.30b / EBITDA 1.45b)
Debt / FCF = 6.51 (Net Debt 4.30b / FCF TTM 661.6m)
Total Stockholder Equity = 4.45b (last 4 quarters mean from totalStockholderEquity)
RoA = 4.12% (Net Income 455.5m / Total Assets 11.11b)
RoE = 10.23% (Net Income TTM 455.5m / Total Stockholder Equity 4.45b)
RoCE = 9.39% (EBIT 878.8m / Capital Employed (Equity 4.45b + L.T.Debt 4.91b))
RoIC = 6.75% (NOPAT 646.6m / Invested Capital 9.58b)
WACC = 8.55% (E(15.03b)/V(20.19b) * Re(11.19%) + D(5.16b)/V(20.19b) * Rd(1.19%) * (1-Tc(0.26)))
Discount Rate = 11.19% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 0.15%
[DCF] Terminal Value 79.48% ; FCFF base≈603.6m ; Y1≈744.6m ; Y5≈1.27b
[DCF] Fair Price = 77.66 (EV 19.26b - Net Debt 4.30b = Equity 14.96b / Shares 192.6m; r=8.55% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 67.18 | EPS CAGR: 3.81% | SUE: 1.30 | # QB: 4
Revenue Correlation: 94.60 | Revenue CAGR: 6.61% | SUE: 2.83 | # QB: 4
EPS next Quarter (2026-06-30): EPS=1.17 | Chg7d=+0.000 | Chg30d=-0.032 | Revisions Net=-11 | Analysts=17
EPS current Year (2026-12-31): EPS=4.77 | Chg7d=+0.000 | Chg30d=-0.091 | Revisions Net=-12 | Growth EPS=+10.9% | Growth Revenue=+9.4%
EPS next Year (2027-12-31): EPS=5.54 | Chg7d=+0.000 | Chg30d=-0.147 | Revisions Net=-9 | Growth EPS=+16.1% | Growth Revenue=+7.9%
[Analyst] Revisions Ratio: -0.73 (2 Up / 13 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 8.2% (Discount Rate 11.2% - Earnings Yield 3.0%)
[Growth] Growth Spread = +0.8% (Analyst 8.9% - Implied 8.2%)
P/E Forward = 15.9236
P/S = 3.2837
P/B = 3.3572
P/EG = 0.9806
Revenue TTM = 4.58b USD
EBIT TTM = 878.8m USD
EBITDA TTM = 1.45b USD
Long Term Debt = 4.91b USD (from longTermDebt, last quarter)
Short Term Debt = 216.7m USD (from shortTermDebt, last quarter)
Debt = 5.16b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 4.30b USD (from netDebt column, last quarter)
Enterprise Value = 19.33b USD (15.03b + Debt 5.16b - CCE 853.6m)
Interest Coverage Ratio = 3.73 (Ebit TTM 878.8m / Interest Expense TTM 235.8m)
EV/FCF = 29.22x (Enterprise Value 19.33b / FCF TTM 661.6m)
FCF Yield = 3.42% (FCF TTM 661.6m / Enterprise Value 19.33b)
FCF Margin = 14.46% (FCF TTM 661.6m / Revenue TTM 4.58b)
Net Margin = 9.95% (Net Income TTM 455.5m / Revenue TTM 4.58b)
Gross Margin = 52.79% ((Revenue TTM 4.58b - Cost of Revenue TTM 2.16b) / Revenue TTM)
Gross Margin QoQ = 59.35% (prev 46.48%)
Tobins Q-Ratio = 1.74 (Enterprise Value 19.33b / Total Assets 11.11b)
Interest Expense / Debt = 1.19% (Interest Expense 61.5m / Debt 5.16b)
Taxrate = 26.42% (37.6m / 142.3m)
NOPAT = 646.6m (EBIT 878.8m * (1 - 26.42%))
Current Ratio = 1.75 (Total Current Assets 2.02b / Total Current Liabilities 1.15b)
Debt / Equity = 1.16 (Debt 5.16b / totalStockholderEquity, last quarter 4.44b)
Debt / EBITDA = 2.96 (Net Debt 4.30b / EBITDA 1.45b)
Debt / FCF = 6.51 (Net Debt 4.30b / FCF TTM 661.6m)
Total Stockholder Equity = 4.45b (last 4 quarters mean from totalStockholderEquity)
RoA = 4.12% (Net Income 455.5m / Total Assets 11.11b)
RoE = 10.23% (Net Income TTM 455.5m / Total Stockholder Equity 4.45b)
RoCE = 9.39% (EBIT 878.8m / Capital Employed (Equity 4.45b + L.T.Debt 4.91b))
RoIC = 6.75% (NOPAT 646.6m / Invested Capital 9.58b)
WACC = 8.55% (E(15.03b)/V(20.19b) * Re(11.19%) + D(5.16b)/V(20.19b) * Rd(1.19%) * (1-Tc(0.26)))
Discount Rate = 11.19% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 0.15%
[DCF] Terminal Value 79.48% ; FCFF base≈603.6m ; Y1≈744.6m ; Y5≈1.27b
[DCF] Fair Price = 77.66 (EV 19.26b - Net Debt 4.30b = Equity 14.96b / Shares 192.6m; r=8.55% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 67.18 | EPS CAGR: 3.81% | SUE: 1.30 | # QB: 4
Revenue Correlation: 94.60 | Revenue CAGR: 6.61% | SUE: 2.83 | # QB: 4
EPS next Quarter (2026-06-30): EPS=1.17 | Chg7d=+0.000 | Chg30d=-0.032 | Revisions Net=-11 | Analysts=17
EPS current Year (2026-12-31): EPS=4.77 | Chg7d=+0.000 | Chg30d=-0.091 | Revisions Net=-12 | Growth EPS=+10.9% | Growth Revenue=+9.4%
EPS next Year (2027-12-31): EPS=5.54 | Chg7d=+0.000 | Chg30d=-0.147 | Revisions Net=-9 | Growth EPS=+16.1% | Growth Revenue=+7.9%
[Analyst] Revisions Ratio: -0.73 (2 Up / 13 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 8.2% (Discount Rate 11.2% - Earnings Yield 3.0%)
[Growth] Growth Spread = +0.8% (Analyst 8.9% - Implied 8.2%)