TransUnion
- Open
- 72.64
- Day high
- 74.87
- Day low
- 72.62
- Prev close
- 72.14
- Volume
- 386K
- Mkt cap
- $14.4B
- P/E (TTM)
- 20.6
- EPS (TTM)
- $3.64
- P/B
- 3.0
- P/S
- 3.1
- Yield
- 0.33%
- Per share
- $0.25
- ▼Insiders net selling -$1.8M over the last 3 months (0 open-market buys, 7 sales)
- 🏛Institutions mixed (13F)
TransUnion (TRU) is a Industrials company listed on NYSE. The stock is down 20% over the past year. Over the trailing 3 months, insiders filed 0 open-market buys and 7 sales (SEC Form 4).
TransUnion (TRU) financials & analyst ratings
Fundamentals (TTM)
Analyst consensus · 5 analysts
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
TRU earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 28, 2026 | $1.11 | $1.18 | +6.3% | $1.2B | +3.0% |
| Feb 12, 2026 | $1.03 | $1.07 | +3.9% | $1.2B | -2.8% |
| Oct 23, 2025 | $1.04 | $1.10 | +5.8% | $1.2B | +3.2% |
| Jul 24, 2025 | $0.99 | $1.08 | +9.0% | $1.1B | +3.9% |
| Apr 24, 2025 | $0.98 | $1.05 | +7.4% | $1.1B | +2.3% |
| Feb 13, 2025 | $0.97 | $0.97 | +0.0% | $1.0B | +1.0% |
| Oct 23, 2024 | $1.02 | $1.04 | +2.0% | $1.1B | +5.2% |
| Jul 25, 2024 | $0.97 | $0.99 | +2.1% | $1.0B | +1.6% |
| Apr 25, 2024 | $0.81 | $0.92 | +13.4% | $1.0B | +4.4% |
| Feb 13, 2024 | $0.71 | $0.80 | +12.7% | $954M | +3.0% |
| Jul 25, 2023 | $0.83 | $0.86 | +3.6% | $968M | +1.1% |
| Feb 14, 2023 | $0.83 | $0.78 | -6.0% | $902M | -0.5% |
TRU insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Jun 3, 2026 | CHAOUKI STEVEN Mofficer: President, US Markets | Sell | 5,000 | $70.73 |
| Jun 3, 2026 | Skinner Todd C.officer: President, International | Sell | 1,000 | $70.73 |
| Jun 3, 2026 | Williams Jennifer A.officer: SVP, Chief Accounting Officer | Tax | 404 | $73.51 |
| Jun 1, 2026 | RUSSELL HEATHER Jofficer: EVP, Chief Legal Officer | Sell | 6,683 | $71.87 |
| May 19, 2026 | Achanta Venkatofficer: EVP, Chief Tech, Data & Analy. | Tax | 16,213 | $68.60 |
| May 19, 2026 | RUSSELL HEATHER Jofficer: EVP, Chief Legal Officer | Tax | 10,222 | $68.60 |
| May 19, 2026 | Cello Todd Mofficer: EVP & CFO | Tax | 18,253 | $68.60 |
| May 19, 2026 | CHAOUKI STEVEN Mofficer: President, US Markets | Tax | 16,063 | $68.60 |
| May 19, 2026 | Skinner Todd C.officer: President, International | Tax | 13,350 | $68.60 |
| May 19, 2026 | Cartwright Christopher Adirector, officer: President and CEO | Tax | 26,284 | $68.60 |
| May 14, 2026 | Cartwright Christopher Adirector, officer: President and CEO | Grant | 59,331 | — |
| May 14, 2026 | Cello Todd Mofficer: EVP & CFO | Grant | 41,202 | — |
| May 14, 2026 | RUSSELL HEATHER Jofficer: EVP, Chief Legal Officer | Grant | 23,073 | — |
| May 14, 2026 | Skinner Todd C.officer: President, International | Grant | 24,721 | — |
| May 14, 2026 | CHAOUKI STEVEN Mofficer: President, US Markets | Grant | 36,258 | — |
Source: TRU SEC Form 4 filings, latest Jun 3, 2026. For informational purposes only — not investment advice.
See the full TRU insider & 13F page →TransUnion company profile
Overview
TransUnion (NYSE:TRU) is a leading global information and insights company founded in 1968 and headquartered in Chicago, Illinois. The company went public in June 2015 after operating as a private entity for nearly five decades. TransUnion has evolved from a traditional credit reporting agency into a comprehensive risk and information solutions provider, serving customers across approximately 30 countries and territories including North America, Latin America, Europe, Africa, India, and the Asia Pacific region. The company operates through three primary business segments and has grown significantly through both organic expansion and strategic acquisitions, including major deals like Neustar in 2021.
Business
TransUnion operates in the credit information and risk analytics industry, providing essential data and insights that help businesses and consumers make informed financial decisions. The company's core business revolves around collecting, analyzing, and distributing credit and identity information to enable better risk assessment and fraud prevention. The company operates through three main business segments: 1. **U.S. Markets (approximately 60% of revenue)**: This segment provides consumer credit reports, risk analytics, and decision-making tools to businesses across various industries. The segment serves financial services companies (banks, credit unions, fintech lenders), insurance companies, employers conducting background checks, landlords screening tenants, and collection agencies. Key products include credit reports, fraud detection services, identity verification tools, and marketing solutions that help businesses acquire new customers and manage existing relationships. 2. **International (approximately 25% of revenue)**: This segment offers similar credit reporting and analytics services across global markets, with particularly strong presence in India, the United Kingdom, Canada, Latin America, and Africa. The international business adapts TransUnion's core capabilities to local regulatory environments and market needs, providing credit information services, commercial credit reports, and consumer financial management tools tailored to each region's requirements. 3. **Consumer Interactive (approximately 15% of revenue)**: This segment provides direct-to-consumer services including credit monitoring, identity theft protection, credit scores, and personal finance management tools. Consumers pay for these services to monitor their credit health, protect against identity theft, and better understand their financial standing. This segment includes both subscription-based monitoring services and freemium models that generate revenue through credit product recommendations. The company's OneTru platform represents its next-generation technology infrastructure that centralizes data management, standardizes processing capabilities, and enables faster innovation across all product lines. This platform transformation is designed to improve processing speeds, enhance data accuracy, and facilitate the development of new analytical products and services.
Revenue model
TransUnion generates revenue through multiple business models across its three segments. The **U.S. Markets and International segments** primarily operate on a transaction-based model, where customers pay fees each time they access credit reports, run identity verification checks, or utilize fraud detection services. This creates a direct correlation between economic activity and revenue - when lending increases, more credit checks are performed, driving higher transaction volumes. The company also generates revenue through subscription-based analytics services where businesses pay recurring fees for ongoing access to risk management tools and data insights. The **Consumer Interactive segment** operates on a subscription model where individual consumers pay monthly or annual fees for credit monitoring, identity protection, and financial management services. Additionally, this segment generates revenue through lead generation and referral fees when consumers are matched with appropriate financial products like credit cards or loans. Several key factors influence TransUnion's profitability and margins. **Economic conditions** significantly impact the business, as lending activity drives transaction volumes - during economic expansions, increased borrowing leads to more credit checks and higher revenues, while economic downturns reduce lending and transaction volumes. **Interest rate environments** also play a crucial role, with lower rates typically stimulating lending activity, particularly in mortgage markets where TransUnion has seen substantial growth during rate-cutting cycles. **Regulatory changes** can both positively and negatively impact margins, as new compliance requirements may create demand for additional services but can also restrict certain data usage practices. **Technology investments** represent both a cost pressure and margin opportunity - while the OneTru platform transformation requires significant upfront investment, it promises to reduce processing costs and enable higher-margin analytical products. **Competition** from other credit bureaus (Experian, Equifax) and emerging fintech data providers creates pricing pressure, while the company's ability to **cross-sell complementary services** from acquisitions like Neustar and Sontiq provides margin expansion opportunities.
Risks & safety
TransUnion demonstrates **moderate financial safety** with manageable debt levels but some concerns around valuation metrics and cash flow variability. **Liquidity and Solvency:** • Cash position of $680 million provides adequate short-term liquidity • Current ratio of 1.70 indicates sufficient ability to meet short-term obligations • Debt-to-equity ratio of 1.24 reflects moderate leverage, though elevated for a service business • Management targeting leverage ratio under 3x EBITDA, currently working toward this goal **Valuation Concerns:** • Price-to-earnings ratio of 68x appears elevated for current growth rates • EV/EBITDA of 18.8x suggests premium valuation relative to historical norms • Price-to-book ratio of 4.3x reflects significant premium to tangible assets **Cash Flow Considerations:** • Operating cash flow of $833 million for 2024 shows strong cash generation • Free cash flow of $517 million demonstrates ability to fund operations and growth • However, Q1 2025 showed negative free cash flow of -$16 million, indicating some quarterly volatility • Capital expenditure requirements for technology transformation may pressure near-term free cash flow **Other Factors:** • Diversified revenue streams across geographies and customer segments provide stability • Recurring nature of much of the business model offers predictable cash flows • Technology transformation investments represent both risk and opportunity for future margins
Recent development
TransUnion has undergone significant strategic transformation over the past few years, centered around three key initiatives: **technology modernization**, **global expansion**, and **portfolio diversification** through acquisitions. The company's most significant development has been the **OneTru platform transformation**, a comprehensive technology overhaul designed to centralize data management, standardize infrastructure, and accelerate product innovation. As of Q1 2025, TransUnion has successfully migrated 90 U.S. Credit customers to the platform, achieving 50% faster processing speeds and preparing for international migration in 2026. The platform has enabled the launch of new integrated solutions like TruValidate (fraud detection), TruAudience (marketing solutions), and OneTrue Assist (an AI-powered developer tool), with an initial product pipeline worth $50 million. **Operational optimization** has been another major focus, with the company establishing **Global Capability Centers (GCCs)** and relocating over 1,000 roles to lower-cost locations. This initiative is expected to generate $200 million in free cash flow benefits by 2026 while maintaining service quality. The company has also implemented significant leadership changes, appointing Tiffany Chambers as Chief Operations Officer and Mohammad Abdel Sadek as Chief Global Solutions Officer to drive these transformation efforts. **Strategic acquisitions** have expanded TransUnion's capabilities beyond traditional credit reporting. The integration of **Neustar** has strengthened identity resolution and fraud prevention services, while **Sontiq** has enhanced the consumer identity protection offerings. Recent acquisitions include **Menevo** to improve credit offer capabilities and a planned majority ownership of **TransUnion de Mexico** to strengthen Latin American operations. **International expansion** has been particularly successful, with the India business showing strong growth (23% in Q3 2024) and expansion across Latin America, Asia-Pacific, and Africa. The company has also launched innovative products like agricultural lending solutions in India, demonstrating its ability to adapt core capabilities to local market needs.
TRU company profile · for informational purposes only — not investment advice.
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