(TRU) TransUnion - Overview
Stock: Credit Reports, Scoring, Analytics, Identity Verification
| Risk 5d forecast | |
|---|---|
| Volatility | 39.0% |
| Relative Tail Risk | -7.70% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.32 |
| Alpha | -40.20 |
| Character TTM | |
|---|---|
| Beta | 1.607 |
| Beta Downside | 1.720 |
| Drawdowns 3y | |
|---|---|
| Max DD | 47.27% |
| CAGR/Max DD | 0.13 |
EPS (Earnings per Share)
Revenue
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) 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 (4.25b) to EBITDA (1.46b): 2.92 < 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 5219 % > 0.5%) |
| Asset Turnover: 41.42% > 50% (prev 38.09%; Δ 3.33% > 0%) |
| Interest Coverage Ratio: 3.73 > 6 (EBITDA TTM 1.46b / 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 880.3m / 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 -2.95
| DSRI: 0.93 (Receivables 905.0m/888.6m, Revenue 4.58b/4.18b) |
| GMI: 1.14 (GM 52.79% / 60.01%) |
| AQI: 0.98 (AQ_t 0.80 / 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: -2.95 (Cap -4..+1) = A |
What is the price of TRU shares?
Over the past week, the price has changed by +3.08%, over one month by -7.37%, over three months by -5.48% and over the past year by -18.90%.
Is TRU a buy, sell or hold?
- 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 | 95 | 24.6% |
| Analysts Target Price | 95 | 24.6% |
TRU Fundamental Data Overview February 20, 2026
P/E Forward = 15.2905
P/S = 3.2302
P/B = 3.2038
P/EG = 1.177
Revenue TTM = 4.58b USD
EBIT TTM = 880.3m USD
EBITDA TTM = 1.46b USD
Long Term Debt = 4.91b USD (from longTermDebt, last quarter)
Short Term Debt = 196.9m USD (from shortTermDebt, last quarter)
Debt = 5.10b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 4.25b USD (from netDebt column, last quarter)
Enterprise Value = 19.03b USD (14.78b + Debt 5.10b - CCE 853.6m)
Interest Coverage Ratio = 3.73 (Ebit TTM 880.3m / Interest Expense TTM 235.8m)
EV/FCF = 28.77x (Enterprise Value 19.03b / FCF TTM 661.6m)
FCF Yield = 3.48% (FCF TTM 661.6m / Enterprise Value 19.03b)
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 = 1.71 (Enterprise Value 19.03b / Total Assets 11.11b)
Interest Expense / Debt = 1.20% (Interest Expense 61.5m / Debt 5.10b)
Taxrate = 26.42% (37.6m / 142.3m)
NOPAT = 647.7m (EBIT 880.3m * (1 - 26.42%))
Current Ratio = 1.75 (Total Current Assets 2.02b / Total Current Liabilities 1.15b)
Debt / Equity = 1.15 (Debt 5.10b / totalStockholderEquity, last quarter 4.44b)
Debt / EBITDA = 2.92 (Net Debt 4.25b / EBITDA 1.46b)
Debt / FCF = 6.42 (Net Debt 4.25b / 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 = 9.40% (EBIT 880.3m / Capital Employed (Equity 4.45b + L.T.Debt 4.91b))
RoIC = 6.75% (NOPAT 647.7m / Invested Capital 9.59b)
WACC = 9.03% (E(14.78b)/V(19.89b) * Re(11.84%) + D(5.10b)/V(19.89b) * Rd(1.20%) * (1-Tc(0.26)))
Discount Rate = 11.84% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 0.15%
[DCF Debug] Terminal Value 77.99% ; FCFF base≈603.6m ; Y1≈744.6m ; Y5≈1.27b
Fair Price DCF = 70.01 (EV 17.72b - Net Debt 4.25b = Equity 13.47b / Shares 192.4m; r=9.03% [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 (2026-03-31): EPS=1.10 | Chg30d=-0.064 | Revisions Net=-12 | Analysts=17
EPS current Year (2026-12-31): EPS=4.78 | Chg30d=-0.084 | Revisions Net=-9 | Growth EPS=+11.1% | Growth Revenue=+9.0%
EPS next Year (2027-12-31): EPS=5.54 | Chg30d=-0.143 | Revisions Net=-8 | Growth EPS=+16.0% | Growth Revenue=+8.2%