TRU Stock Analysis: TransUnion | NYSE
Financial Data & Stock Exchanges | NYSE, USA | Market Cap: 12.151m USD | 12M Return: -18% | US89400J1079 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 182M
EPS Trend: 98.8%
Qual. Beats: 6
Rev. Trend: 99.5%
Qual. Beats: 6
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.3 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 (NYSE: TRU) is a global consumer credit reporting agency headquartered in Chicago, Illinois, founded in 1968 and renamed from TransUnion Holding Company, Inc. in March 2015. The company operates as one of the three major U.S. consumer credit bureaus, alongside Equifax and Experian, selling credit data and risk analytics primarily to lenders and other businesses on a B2B basis while also offering direct-to-consumer credit and identity products.
The U.S. Markets segment provides credit reporting, credit marketing, analytics, consulting, identity verification, authentication, and debt recovery solutions to financial services clients, as well as industry-specific offerings across insurance, technology, retail and e-commerce, telecommunications, media, tenant and employment screening, collections, and the public sector. Consumer-facing products include credit reports, scores, credit freezes, credit monitoring, identity protection and resolution, financial management tools, and data breach response services.
The International segment delivers credit reports, analytics, technology solutions, and value-added risk management services, including consumer services for personal finance management, credit bureau operations, insurance and auto information solutions, and commercial credit information services. It serves financial services, retail credit, insurance, automotive, collections, public sector, and communications customers through both direct and indirect channels across multiple global markets.
- U.S. mortgage origination slowdown pressures credit reporting volumes
- International segment growth accelerates on emerging market expansion
- CFPB and data privacy regulation increase compliance costs
- High leverage and rising rates weigh on interest expense
- Competition from Equifax and Experian pressures pricing in core markets
| Net Income: 847.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.06 > 0.02 and ΔFCF/TA 2.00 > 1.0 |
| NWC/Revenue: 21.08% < 20% (prev 22.14%; Δ -1.06% < -1%) |
| CFO/TA 0.09 > 3% & CFO 1.10b > Net Income 847.9m |
| Net Debt (4.89b) to EBITDA (1.83b): 2.67 < 3 |
| Current Ratio: 1.90 > 1.5 & < 3 |
| Outstanding Shares: last quarter (193.7m) vs 12m ago -1.77% < -2% |
| Gross Margin: 55.76% > 18% (prev 55.97%; Δ -0.21% > 0.5%) |
| Asset Turnover: 42.01% > 50% (prev 39.19%; Δ 2.82% > 0%) |
| Interest Coverage Ratio: 4.86 > 6 (EBIT TTM 1.23b / Interest Expense TTM 251.9m) |
| A: 0.08 (Total Current Assets 2.18b - Total Current Liabilities 1.15b) / Total Assets 12.2b |
| B: 0.26 (Retained Earnings 3.21b / Total Assets 12.2b) |
| C: 0.11 (EBIT TTM 1.23b / Avg Total Assets 11.7b) |
| D: 0.67 (Book Value of Equity 4.84b / Total Liabilities 7.19b) |
| Altman-Z'' = 2.83 = A |
| DSRI: 0.94 (Receivables 1.05b/990.4m, Revenue 4.90b/4.36b) |
| GMI: 1.00 (GM 55.97% / 55.76%) |
| AQI: 0.99 (AQ_t 0.79 / AQ_t-1 0.80) |
| SGI: 1.12 (Revenue 4.90b / 4.36b) |
| TATA: -0.02 (NI 847.9m - CFO 1.10b) / TA 12.2b) |
| Beneish M = -2.99 (Cap -4..+1) = A |
As of October 09, 2026, the stock is trading at USD 64.59 with a total of 3,136,729 shares traded. Over the past week, the price has changed by +3.88%, over one month by -16.82%, over three months by -15.60% and over the past year by -17.98%.
Current recommended Stop Loss: 60.90 (which is 5.7% or 1.3 ATR below the current price).
TransUnion has no consensus analysts rating.
| Analysts Target Price | 93.5 | 44.7% |
P/E Trailing = 16.7335
P/E Forward = 12.837
P/S = 2.4818
P/B = 2.807
P/EG = 0.9869
Revenue TTM = 4.90b USD
EBIT TTM = 1.23b USD
EBITDA TTM = 1.83b USD
Long Term Debt = 5.37b USD (from longTermDebt, last quarter)
Short Term Debt = 233.3m USD (from shortTermDebt, last quarter)
Debt = 5.73b USD (from shortLongTermDebtTotal, last quarter) + Leases 73.7m
Net Debt = 4.89b USD (calculated: Debt 5.73b - CCE 839.1m)
Enterprise Value = 17.0b USD (12.2b + Debt 5.73b - CCE 839.1m)
Interest Coverage Ratio = 4.86 (Ebit TTM 1.23b / Interest Expense TTM 251.9m)
EV/FCF = 21.63x (Enterprise Value 17.0b / FCF TTM 787.9m)
FCF Yield = 4.62% (FCF TTM 787.9m / Enterprise Value 17.0b)
FCF Margin = 16.09% (FCF TTM 787.9m / Revenue TTM 4.90b)
Net Margin = 17.32% (Net Income TTM 847.9m / Revenue TTM 4.90b)
Gross Margin = 55.76% ((Revenue TTM 4.90b - Cost of Revenue TTM 2.17b) / Revenue TTM)
Gross Margin QoQ = 58.41% (prev 58.30%)
Tobins Q-Ratio = 1.40 (Enterprise Value 17.0b / Total Assets 12.2b)
Interest Expense / Debt = 4.39% (Interest Expense 251.9m / Debt 5.73b)
Taxrate = 6.55% (60.4m / 922.0m)
NOPAT = 1.15b (EBIT 1.23b * (1 - 6.55%))
Current Ratio = 1.90 (Total Current Assets 2.18b / Total Current Liabilities 1.15b)
Debt / Equity = 1.18 (Debt 5.73b / totalStockholderEquity, last quarter 4.84b)
Debt / EBITDA = 2.67 (Net Debt 4.89b / EBITDA 1.83b)
Debt / FCF = 6.21 (Net Debt 4.89b / FCF TTM 787.9m)
Total Stockholder Equity = 4.63b (last 4 quarters mean from totalStockholderEquity)
RoA = 7.28% (Net Income 847.9m / Total Assets 12.2b)
RoE = 18.32% (Net Income TTM 847.9m / Total Stockholder Equity 4.63b)
RoCE = 12.25% (EBIT 1.23b / Capital Employed (Equity 4.63b + L.T.Debt 5.37b))
RoIC = 10.38% (NOPAT 1.15b / Invested Capital 11.0b)
WACC = 7.64% (E(12.2b)/V(17.9b) * Re(9.31%) + D(5.73b)/V(17.9b) * Rd(4.39%) * (1-Tc(0.07)))
Discount Rate = 9.31% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -38.94 | Cagr: -0.36%
[DCF] Terminal Value 77.97% ; FCFF base≈671.4m ; Y1≈769.6m ; Y5≈1.13b
[DCF] Fair Price = 63.42 (EV 17.0b - Net Debt 4.89b = Equity 12.2b / Shares 191.6m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 98.83 | EPS CAGR: 11.91% | SUE: 3.06 | # QB: 6
Revenue Correlation: 99.52 | Revenue CAGR: 9.64% | SUE: 2.45 | # QB: 6
EPS current Quarter (2026-09-30): EPS=1.22 | Chg30d=+0.00% | Revisions=-45% | Analysts=19
EPS current Year (2026-12-31): EPS=4.82 | Chg30d=-0.80% | Revisions=+25% | GrowthEPS=+12.0% | GrowthRev=+12.9%
EPS next Year (2027-12-31): EPS=5.55 | Chg30d=-0.90% | Revisions=-25% | GrowthEPS=+15.3% | GrowthRev=+7.9%
[Analyst] Revisions Ratio: -41% (up=5, down=14)