Overview Dividends

(TRU) TransUnion - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US89400J1079

Credit Reports, Scoring, Analytics, Identity Verification

Research & Consulting Services
Market Cap in USD: 16,704m

IPO / Inception: 2015-06-25
Return 12m vs S&P 500: -21.5%

EPS (Earnings per Share)

EPS CAGR: -47.24%
EPS Trend: -20.6%

Last SUE: -4.00
Qual. Beats: 0

Revenue

Rev. CAGR: 17.00%
Rev. Trend: 82.7%

Last SUE: 1.96
Qual. Beats: 3

Dividends

Dividend Yield	0.56%
Yield on Cost 5y	0.50%
Yield CAGR 5y	6.32%
Payout Consistency	98.9%
Payout Ratio	10.9%

Risk via 5d forecast
Volatility	40.6%
Value at Risk 5%th	61.8%
Relative Tail Risk	-7.61%

Reward TTM
Sharpe Ratio	-0.09
Alpha	-35.02
CAGR/Max DD	0.18

Character TTM
Hurst Exponent	0.428
Beta	1.596
Beta Downside	1.722

Drawdowns 3y
Max DD	47.27%
Mean DD	13.00%
Median DD	12.77%

Description: TRU TransUnion January 02, 2026

TransUnion (NYSE:TRU) is a global consumer-credit reporting firm that delivers risk-management and information-services solutions through two operating segments: U.S. Markets and International. The U.S. segment supplies credit reporting, analytics, identity-verification, debt-recovery, and a suite of fintech-oriented products to financial institutions, insurers, retailers, telecoms, and public-sector entities, while also offering consumer-facing services such as credit monitoring and identity protection. The International segment provides comparable credit-reporting, analytics, and risk-management tools to customers in financial services, retail, insurance, automotive, and communications markets across more than 30 countries.

Key metrics that shape TransUnion’s outlook include FY 2023 revenue of roughly $7.5 billion (≈5 % YoY growth) and a diversified earnings mix, with U.S. operations contributing about 70 % of total revenue. The broader U.S. credit-reporting market is estimated at $30 billion, driven by rising fintech adoption and stricter regulatory demands for data accuracy and consumer protection. Macro-economic drivers such as the Federal Reserve’s interest-rate policy and employment trends directly affect credit-card usage and loan origination volumes, which in turn influence TransUnion’s data-generation volume and pricing power.

For a deeper, data-rich assessment of TransUnion’s valuation dynamics, you may find ValueRay’s analytical dashboards useful as a next step in your research.

Piotroski VR‑10 (Strict, 0-10) 5.0

Net Income (420.5m TTM) > 0 and > 6% of Revenue (6% = 266.5m TTM)

FCFTA 0.05 (>2.0%) and ΔFCFTA 0.83pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 22.38% (prev 16.44%; Δ 5.94pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.08 (>3.0%) and CFO 922.1m > Net Income 420.5m (YES >=105%, WARN >=100%)

Net Debt (4.43b) to EBITDA (1.40b) ratio: 3.16 <= 3.0 (WARN <= 3.5)

Current Ratio 2.01 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (197.2m) change vs 12m ago 0.10% (target <= -2.0% for YES)

Gross Margin 52.82% (prev 58.41%; Δ -5.59pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 40.08% (prev 37.10%; Δ 2.97pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 3.54 (EBITDA TTM 1.40b / Interest Expense TTM 236.3m) >= 6 (WARN >= 3)

Altman Z'' 2.24

(A) 0.09 = (Total Current Assets 1.98b - Total Current Liabilities 984.9m) / Total Assets 11.11b

(B) 0.24 = Retained Earnings (Balance) 2.64b / Total Assets 11.11b

(D) 0.35 = Book Value of Equity 2.31b / Total Liabilities 6.53b

Total Rating: 2.24 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 56.20

1. Piotroski 5.0pt

2. FCF Yield 2.72%

3. FCF Margin 12.96%

4. Debt/Equity 1.16

5. Debt/Ebitda 3.16

6. ROIC - WACC (= -3.41)%

7. RoE 9.56%

8. Rev. Trend 82.74%

9. EPS Trend -20.64%

What is the price of TRU shares?

As of January 08, 2026, the stock is trading at USD 83.50 with a total of 2,430,306 shares traded.
Over the past week, the price has changed by -2.62%, over one month by +1.82%, over three months by +9.52% and over the past year by -6.93%.

Is TRU a buy, sell or hold?

TransUnion has received a consensus analysts rating of 4.20. Therefore, it is recommended to buy TRU.

Strong Buy: 10
Buy: 5
Hold: 4
Sell: 1
Strong Sell: 0

What are the forecasts/targets for the TRU price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	106.9	28%
Analysts Target Price	106.9	28%
ValueRay Target Price	86.3	3.3%

TRU Fundamental Data Overview January 02, 2026

Market Cap USD = 16.70b (16.70b USD * 1.0 USD.USD)
P/E Trailing = 40.0701
P/E Forward = 17.5439
P/S = 3.7607
P/B = 3.7226
P/EG = 1.3489
Beta = 1.728
Revenue TTM = 4.44b USD
EBIT TTM = 837.6m USD
EBITDA TTM = 1.40b USD
Long Term Debt = 5.04b USD (from longTermDebt, last quarter)
Short Term Debt = 104.9m USD (from shortTermDebt, last quarter)
Debt = 5.18b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 4.43b USD (from netDebt column, last quarter)
Enterprise Value = 21.13b USD (16.70b + Debt 5.18b - CCE 749.9m)
Interest Coverage Ratio = 3.54 (Ebit TTM 837.6m / Interest Expense TTM 236.3m)
FCF Yield = 2.72% (FCF TTM 575.7m / Enterprise Value 21.13b)
FCF Margin = 12.96% (FCF TTM 575.7m / Revenue TTM 4.44b)
Net Margin = 9.47% (Net Income TTM 420.5m / Revenue TTM 4.44b)
Gross Margin = 52.82% ((Revenue TTM 4.44b - Cost of Revenue TTM 2.10b) / Revenue TTM)
Gross Margin QoQ = 46.48% (prev 46.25%)
Tobins Q-Ratio = 1.90 (Enterprise Value 21.13b / Total Assets 11.11b)
Interest Expense / Debt = 1.21% (Interest Expense 62.5m / Debt 5.18b)
Taxrate = 33.31% (50.0m / 150.1m)
NOPAT = 558.6m (EBIT 837.6m * (1 - 33.31%))
Current Ratio = 2.01 (Total Current Assets 1.98b / Total Current Liabilities 984.9m)
Debt / Equity = 1.16 (Debt 5.18b / totalStockholderEquity, last quarter 4.47b)
Debt / EBITDA = 3.16 (Net Debt 4.43b / EBITDA 1.40b)
Debt / FCF = 7.69 (Net Debt 4.43b / FCF TTM 575.7m)
Total Stockholder Equity = 4.40b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.78% (Net Income 420.5m / Total Assets 11.11b)
RoE = 9.56% (Net Income TTM 420.5m / Total Stockholder Equity 4.40b)
RoCE = 8.88% (EBIT 837.6m / Capital Employed (Equity 4.40b + L.T.Debt 5.04b))
RoIC = 5.86% (NOPAT 558.6m / Invested Capital 9.53b)
WACC = 9.27% (E(16.70b)/V(21.88b) * Re(11.90%) + D(5.18b)/V(21.88b) * Rd(1.21%) * (1-Tc(0.33)))
Discount Rate = 11.90% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 0.74%
[DCF Debug] Terminal Value 69.46% ; FCFE base≈537.7m ; Y1≈647.6m ; Y5≈1.05b
Fair Price DCF = 51.12 (DCF Value 9.93b / Shares Outstanding 194.2m; 5y FCF grow 21.82% → 3.0% )
EPS Correlation: -20.64 | EPS CAGR: -47.24% | SUE: -4.0 | # QB: 0
Revenue Correlation: 82.74 | Revenue CAGR: 17.00% | SUE: 1.96 | # QB: 3
EPS next Quarter (2026-03-31): EPS=1.16 | Chg30d=-0.001 | Revisions Net=-1 | Analysts=17
EPS next Year (2026-12-31): EPS=4.86 | Chg30d=-0.007 | Revisions Net=+0 | Growth EPS=+14.2% | Growth Revenue=+7.8%

Additional Sources for TRU Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle