A Business at a Glance
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TransUnion
TRU
$15.0B
Mkt Cap
$76.51
+3.63%
TransUnion (TRU) has a current P/E ratio of 33.0, compared to its historical median P/E of 38.8. The stock is currently considered Fair based on its historical valuation range.
TransUnion (TRU) has a 5-year average return on invested capital (ROIC) of 5.2%. This is below average and may indicate limited pricing power.
TransUnion (TRU) has a market capitalization of $14.8B. It is classified as a large-cap stock.
Yes, TransUnion (TRU) pays a dividend with a trailing twelve-month yield of 0.63%. The company also returns capital through share buybacks, with a buyback yield of 2.09%.
Based on historical P/E analysis, TransUnion (TRU) appears fair. The current P/E of 33.0 is 15% below its historical median of 38.8. The estimated fair value CAGR (P/E method) is -5.1%.
TransUnion (TRU) operates in the Services-Consumer Credit Reporting, Collection Agencies industry, within the Industrials sector.
TransUnion (TRU) reported annual revenue of $4.6 billion in its most recent fiscal year, based on SEC EDGAR filings.
TransUnion is a global information and insights company that enables trust between businesses and consumers by delivering data-driven solutions across credit risk, marketing, fraud mitigation, and identity verification. The company operates a recurring, asset-light business model built on proprietary data assets sourced from thousands of financial institutions, private databases, and public records, which are refined and standardized into proprietary databases and increasingly migrated into the OneTru solutions enablement platform for centralized data management and AI-powered analytics. TransUnion serves a diversified customer base across multiple verticals—including Financial Services, Insurance, Technology, Retail, E-Commerce, Telecommunications, Media, Tenant & Employment Screening, Collections, and Public Sector—as well as millions of consumers who use its tools to manage personal finances and prevent identity theft. The company operates in over 30 countries and territories across North America, Latin America, Europe, Africa, India, and Asia Pacific, with a business model characterized by low capital requirements, significant operating leverage, high customer retention, and strong cash flow generation driven by transactional volume growth, expanded sales to existing customers, new product development, and customer acquisition. TransUnion's competitive moat is built on the proprietary and embedded nature of its solutions, the integral role it plays in customers' decision-making processes, and its ability to continuously enhance data through signal exhaust from its service networks, positioning it to capture growing demand for data and analytics-based decision-making across industries and geographies.
【AI-driven innovation acceleration】 Management expects the strongest-ever cohort of new product launches and major enhancements in 2026, with AI-powered solutions designed to boost product predictiveness and capture more value within customer workflows across credit, fraud, and marketing verticals. The company anticipates that investments in global AI-enabled platforms will drive cost efficiency and operating leverage, while Analytics Orchestrator and AI model factory capabilities are expected to increase data usage, enable stickier customer relationships, and help respond to evolving fraud threat vectors. OneTru platform migrations are progressing across international markets, with plans to modernize core credit capabilities in Canada, the U.K., and the Philippines during 2026, supporting continued innovation diffusion globally. Management remains focused on balancing strong underlying momentum against macro uncertainty, noting that while current trends support performance at or above guidance ranges, the company maintains prudently conservative guidance to accommodate potential market softening. The company expects to deliver a third consecutive year of high single-digit organic revenue growth and double-digit adjusted diluted EPS growth, supported by continued execution in a stable operating environment and disciplined capital allocation prioritizing debt prepayment and shareholder returns.
| Metric | Target | Period |
|---|---|---|
| Revenue | $5.1–5.135 billion | FY2026 |
| Organic constant currency revenue growth | 8%-9% | FY2026 |
| Adjusted EBITDA | $1.796–1.816 billion | FY2026 |
| Adjusted diluted earnings per share | $4.68–4.75 | FY2026 |
Revenue (FY2026): “For full-year guidance, we expect revenue to be between $5.1 billion and $5.135 billion, up 11%-12%.”
Organic constant currency revenue growth (FY2026): “Our organic constant currency assumptions are unchanged at 8%-9% or 5%-6% excluding FICO mortgage royalties.”
Adjusted EBITDA (FY2026): “We expect adjusted EBITDA to be $1.796 billion-$1.816 billion in 2026, up 9%-10%.”
Adjusted diluted earnings per share (FY2026): “We anticipate adjusted diluted earnings per share to be $4.68-$4.75, up 9%-11%.”
Generated solely from the company's own reports listed below — not from third-party data. Hallucination risk is low. · Sources: 10-K, Q4 FY2025 Earnings Call, Q3 FY2025 Earnings Call, Q2 FY2025 Earnings Call, Q1 FY2025 Earnings Call
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 4.7B | 4.6B | 4.2B | 3.8B | 3.7B | 3.0B |
| Net Income | 704M | 455M | 284M | -206M | 266M | 1.4B |
| EPS | $3.65 | $2.32 | $1.45 | $-1.07 | $1.38 | $7.20 |
| Free Cash Flow | 696M | 662M | 517M | 335M | -1.0M | 584M |
| ROIC | 7.2% | 7.2% | 5.7% | 1.4% | 4.8% | 6.8% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 1.18 | 1.16 | 1.24 | 1.36 | 1.39 | 1.67 |
| Dividends/Share | $0.48 | $0.46 | $0.42 | $0.42 | $0.40 | $0.36 |
| Operating Income | 848M | 858M | 667M | 129M | 626M | 652M |
| Operating Margin | 17.9% | 18.7% | 15.9% | 3.4% | 16.9% | 22.0% |
| ROE | 14.8% | 10.5% | 6.9% | -5.0% | 6.6% | 43.1% |
| Shares Outstanding | 193M | 196M | 196M | 193M | 193M | 193M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 1.3B | 1.5B | 1.7B | 1.9B | 2.3B | 2.5B | 2.5B | 3.0B | 3.7B | 3.8B | 4.2B | 4.6B | 4.7B |
| Gross Margin | 61.7% | 64.7% | 66.0% | 66.6% | 65.9% | 64.5% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 435M | 500M | 560M | 585M | 708M | 777M | 830M | 909M | 1.2B | 1.2B | 1.2B | 1.3B | 1.3B |
| EBIT | 128M | 197M | 301M | 465M | 513M | 542M | 500M | 652M | 626M | 129M | 667M | 858M | 848M |
| Op. Margin | 9.8% | 13.1% | 17.6% | 24.0% | 22.1% | 22.0% | 19.8% | 22.0% | 16.9% | 3.4% | 15.9% | 18.7% | 17.9% |
| Net Income | -13M | 5.9M | 121M | 441M | 277M | 347M | 343M | 1.4B | 266M | -206M | 284M | 455M | 704M |
| Net Margin | -1.0% | 0.4% | 7.1% | 22.8% | 11.9% | 14.1% | 13.6% | 47.0% | 7.2% | -5.4% | 6.8% | 10.0% | 14.9% |
| Non-Recurring | 0 | 0 | 14M | 10M | 2.3M | 0 | 0 | 0 | 0 | 489M | 67M | 6.8M | 6.8M |
| Returns on Capital | |||||||||||||
| ROIC | 3.8% | 3.5% | 5.6% | 12.2% | 8.8% | 7.7% | 7.0% | 6.8% | 4.8% | 1.4% | 5.7% | 7.2% | 7.2% |
| ROE | -2.1% | 0.6% | 9.3% | 28.5% | 15.3% | 16.8% | 14.3% | 43.1% | 6.6% | -5.0% | 6.9% | 10.5% | 14.8% |
| ROA | -0.3% | 0.1% | 2.6% | 8.9% | 4.5% | 4.9% | 4.8% | 13.9% | 2.2% | -1.8% | 2.6% | 4.1% | 5.8% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 154M | 309M | 390M | 466M | 556M | 777M | 788M | 808M | 297M | 645M | 833M | 988M | 1.0B |
| Free Cash Flow | -900K | 177M | 266M | 331M | 376M | 589M | 582M | 584M | -1.0M | 335M | 517M | 662M | 696M |
| Owner Earnings | 23M | 126M | 130M | 133M | 132M | 274M | 211M | 114M | -497M | -259M | 205M | 297M | 291M |
| CapEx | 155M | 132M | 124M | 135M | 180M | 188M | 206M | 224M | 298M | 311M | 316M | 326M | 323M |
| Maint. CapEx | 123M | 174M | 236M | 299M | 366M | 454M | 532M | 625M | 711M | 804M | 506M | 545M | 576M |
| Growth CapEx | 32M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| D&A | 123M | 174M | 236M | 299M | 366M | 454M | 532M | 625M | 711M | 804M | 506M | 545M | 576M |
| CapEx/OCF | N/A | 42.8% | 31.8% | 29.0% | 32.4% | 25.6% | 26.1% | 27.7% | 100.3% | 48.1% | 37.9% | 33.0% | 31.7% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 0 | 0 | 0 | 0 | 42M | 57M | 58M | 70M | 78M | 82M | 83M | 91M | 93M |
| Dividend Yield | N/A | N/A | N/A | N/A | 0.3% | 0.4% | 0.4% | 0.3% | 0.5% | 0.6% | 0.5% | 0.5% | 0.6% |
| Share Buybacks | 200K | 300K | 700K | 134M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 302M | 309M |
| Buyback Yield | N/A | 0.0% | 0.0% | 1.3% | N/A | 0.2% | N/A | N/A | N/A | N/A | N/A | 1.8% | 2.1% |
| Stock-Based Comp | 8.0M | 9.0M | 24M | 33M | 58M | 48M | 44M | 69M | 83M | 100M | 121M | 146M | 153M |
| Debt Repayment | 0 | 1.0B | 0 | 0 | 114M | 389M | 209M | 141M | 715M | 650M | 199M | 79M | 79M |
| Balance Sheet | |||||||||||||
| Net Debt | 2.9B | 2.1B | 2.2B | 2.3B | 3.9B | 3.5B | 3.0B | 4.7B | 5.2B | 5.0B | 4.5B | 4.3B | 4.9B |
| Cash & Equiv. | 78M | 133M | 182M | 116M | 187M | 274M | 493M | 1.8B | 585M | 476M | 680M | 854M | 733M |
| Long-Term Debt | 2.9B | 2.2B | 2.3B | 2.3B | 4.0B | 3.6B | 3.4B | 6.3B | 5.6B | 5.3B | 5.1B | 4.9B | 5.4B |
| Debt/Equity | 5.01 | 1.79 | 1.74 | 1.43 | 2.14 | 1.66 | 1.39 | 1.67 | 1.39 | 1.36 | 1.24 | 1.16 | 1.18 |
| Interest Coverage | 0.7 | 1.5 | 3.5 | 5.3 | 3.7 | 3.1 | 4.0 | 5.8 | 2.7 | 0.4 | 2.5 | 3.6 | 33.1 |
| Equity | 587M | 1.2B | 1.4B | 1.7B | 1.9B | 2.2B | 2.5B | 3.9B | 4.2B | 4.0B | 4.2B | 4.4B | 4.8B |
| Total Assets | 4.7B | 4.4B | 4.8B | 5.1B | 7.0B | 7.1B | 7.3B | 12.6B | 11.7B | 11.1B | 11.0B | 11.1B | 12.0B |
| Total Liabilities | 3.9B | 3.1B | 3.3B | 3.3B | 5.1B | 4.8B | 4.7B | 8.6B | 7.4B | 7.0B | 6.7B | 6.6B | 7.1B |
| Intangibles | 1.9B | 1.8B | 1.8B | 1.8B | 2.5B | 2.4B | 2.2B | 3.8B | 3.7B | 3.5B | 3.3B | 3.1B | 3.6B |
| Retained Earnings | -430M | -424M | -304M | 137M | 363M | 652M | 937M | 2.3B | 2.4B | 2.2B | 2.4B | 2.7B | 3.1B |
| Working Capital | 71M | 131M | 177M | 130M | 293M | 317M | 800M | 1.3B | 545M | 472M | 742M | 862M | 972M |
| Current Assets | 401M | 427M | 550M | 589M | 842M | 888M | 1.5B | 2.6B | 1.5B | 1.5B | 1.8B | 2.0B | 2.0B |
| Current Liabilities | 330M | 296M | 373M | 458M | 549M | 571M | 670M | 1.4B | 906M | 1.0B | 1.1B | 1.2B | 1.0B |
| Per Share Data | |||||||||||||
| EPS | -0.09 | 0.04 | 0.65 | 2.32 | 1.45 | 1.81 | 1.79 | 7.20 | 1.38 | -1.07 | 1.45 | 2.32 | 3.65 |
| Owner EPS | 0.16 | 0.85 | 0.70 | 0.70 | 0.69 | 1.43 | 1.10 | 0.59 | -2.57 | -1.35 | 1.05 | 1.51 | 1.51 |
| Book Value | 4.23 | 8.35 | 7.35 | 9.09 | 9.91 | 11.72 | 13.25 | 20.24 | 21.61 | 20.80 | 21.50 | 22.62 | 24.66 |
| Cash Flow/Share | 1.11 | 2.10 | 2.10 | 2.45 | 2.91 | 4.05 | 4.11 | 4.19 | 1.54 | 3.35 | 4.24 | 5.03 | 6.64 |
| Dividends/Share | N/A | N/A | 0.00 | 0.00 | 0.22 | 0.30 | 0.30 | 0.36 | 0.40 | 0.42 | 0.42 | 0.46 | 0.48 |
| Shares Out. | 138.9M | 147.5M | 185.5M | 190.2M | 190.8M | 191.7M | 191.7M | 193.1M | 193.0M | 192.7M | 196.1M | 196.3M | 192.8M |
| Valuation | |||||||||||||
| P/E Ratio | N/A | 660.7 | 45.2 | 22.9 | 37.2 | 45.8 | 53.9 | 16.1 | 38.8 | N/A | 64.2 | 37.6 | 21.0 |
| P/FCF | N/A | 22.0 | 20.5 | 30.5 | 27.4 | 27.0 | 31.8 | 38.3 | N/A | 39.4 | 35.3 | 25.9 | 21.2 |
| EV/EBIT | N/A | 29.8 | 25.0 | 26.8 | 27.4 | 31.3 | 42.0 | 38.8 | 23.9 | 137.4 | 33.2 | 24.1 | 23.1 |
| Price/Book | N/A | 3.2 | 4.0 | 5.8 | 5.4 | 7.1 | 7.3 | 5.7 | 2.5 | 3.3 | 4.3 | 3.9 | 3.1 |
| Price/Sales | N/A | 2.4 | 3.2 | 4.1 | 5.2 | 5.1 | 6.3 | 6.8 | 4.1 | 3.4 | 3.9 | 3.7 | 3.1 |
| FCF Yield | N/A | 4.5% | 4.9% | 3.3% | 3.6% | 3.7% | 3.1% | 2.6% | -0.0% | 2.5% | 2.8% | 3.9% | 4.7% |
| Market Cap | N/A | 3.9B | 5.5B | 10.1B | 10.3B | 15.9B | 18.5B | 22.4B | 10.3B | 13.2B | 18.2B | 17.1B | 14.8B |
| Avg. Price | N/A | 24.52 | 29.15 | 42.11 | 63.33 | 71.11 | 83.47 | 103.95 | 79.69 | 67.31 | 84.10 | 86.53 | 76.51 |
| Year-End Price | N/A | 26.43 | 29.38 | 53.08 | 53.99 | 82.85 | 96.43 | 115.89 | 53.60 | 68.41 | 93.03 | 87.20 | 76.51 |
TransUnion passes 4 of 9 quality checks, suggesting mixed fundamentals.
TransUnion trades at 33.0x trailing earnings, compared to its 15-year median P/E of 38.8x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 22.3x vs a median of 30.5x. The company's 5-year average ROIC is 5.2%. Total shareholder yield (dividends + buybacks) is 2.7%. At current prices, the estimated annualized return to fair value is -3.7%.
TransUnion (TRU) has a net profit margin of 10.0%. This is a modest margin.
TransUnion (TRU) generated $662 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
TransUnion (TRU) has a debt-to-equity ratio of 1.16. This indicates moderate leverage.
TransUnion (TRU) reported earnings per share (EPS) of $2.32 in its most recent fiscal year.
TransUnion (TRU) has a return on equity (ROE) of 10.5%. This indicates moderate shareholder returns.
The Ledger Terminal provides 15 years of financial data for TransUnion (TRU), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
TransUnion (TRU) has a book value per share of $22.62, based on its most recent annual SEC filing.
Based on recent SEC filings and earnings disclosures, Management expects the strongest-ever cohort of new product launches and major enhancements in 2026, with AI-powered solutions designed to boost product predictiveness and capture more value within customer workflows across credit, fraud, and marketing verticals. The company anticipates that investments in global AI-enabled platforms will drive cost efficiency and operating leverage, while Analytics Orchestrator and AI model factory capabilities are expected to increase data usage, enable stickier customer relationships, and help respond to evolving fraud threat vectors. OneTru platform migrations are progressing across international markets, with plans to modernize core credit capabilities in Canada, the U.K., and the Philippines during 2026, supporting continued innovation diffusion globally. Management remains focused on balancing strong underlying momentum against macro uncertainty, noting that while current trends support performance at or above guidance ranges, the company maintains prudently conservative guidance to accommodate potential market softening. The company expects to deliver a third consecutive year of high single-digit organic revenue growth and double-digit adjusted diluted EPS growth, supported by continued execution in a stable operating environment and disciplined capital allocation prioritizing debt prepayment and shareholder returns.
Based on recent SEC filings and earnings calls, TransUnion (TRU) has provided the following forward guidance: Revenue: $5.1–5.135 billion (FY2026); Organic constant currency revenue growth: 8%-9% (FY2026); Adjusted EBITDA: $1.796–1.816 billion (FY2026); Adjusted diluted earnings per share: $4.68–4.75 (FY2026).