TransUnion (TRU) Panoramica del titolo
TransUnion opera come un'agenzia globale di segnalazione del credito al consumo che fornisce soluzioni di rischio e di informazione. Maggiori dettagli
| Punteggio fiocco di neve | |
|---|---|
| Valutazione | 3/6 |
| Crescita futura | 1/6 |
| Prestazioni passate | 4/6 |
| Salute finanziaria | 3/6 |
| Dividendi | 0/6 |
Premi
Analisi del rischio
TRU Community Fair Values
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Analyst Price Targets
Concorrenti di TransUnion
Storia dei prezzi e prestazioni
| Prezzi storici delle azioni | |
|---|---|
| Prezzo attuale dell'azione | US$78.31 |
| Massimo di 52 settimane | US$99.39 |
| Minimo di 52 settimane | US$63.37 |
| Beta | 1.55 |
| Variazione di 1 mese | 10.83% |
| Variazione a 3 mesi | 13.54% |
| Variazione di 1 anno | -14.52% |
| Variazione a 3 anni | 2.39% |
| Variazione a 5 anni | -31.21% |
| Variazione dall'IPO | 208.31% |
Notizie e aggiornamenti recenti
Aggiornamento della narrazione • Jun 26
TRU: Gen Z Credit Tailwinds Will Support Future Earnings Rebound
Analysts have reduced their fair value estimate for TransUnion from $114.00 to $108.00, citing updated assumptions around revenue growth, profit margins, and a lower future P/E multiple. What’s in the News for TransUnion TransUnion analysis highlights Gen Z as the fastest growing segment in the Canadian credit market, with delinquencies showing signs of stabilizing and mortgage balances continuing to climb, source: TransUnion Canada study on credit trends.Seeking Alpha • Jun 24
Credit Bureaus Remain Powerful, But TransUnion Offers The Better Setup Over Equifax
Summary TransUnion offers the most compelling risk-adjusted return among credit bureaus, driven by identity, fraud, and international growth optionality. TRU's OneTru platform and exposure to emerging markets, especially India and Mexico, position it for outsized returns if execution is strong. Equifax boasts the strongest single asset with The Work Number, but is more cyclical, less diversified, and currently the most expensive. Experian remains the highest-quality operator, yet its consumer-facing platform faces the greatest AI disruption risk among the three. Read the full article on Seeking AlphaArticolo di analisi • Jun 17
TransUnion (TRU) Stock Could Be 23.5% Undervalued After Peace Deal Rally
TransUnion (TRU) stock moved higher after a peace deal announced by the Trump Administration coincided with falling yields and a broad market rally, drawing fresh attention to the company’s recent business and leadership updates. See our latest analysis for TransUnion. Even after today's move, TransUnion’s share price at US$68.92 remains well below its level at the start of the year. The year-to-date share price return is down 17.29% and the 1-year total shareholder return is down 18.31%...Recent updates
Aggiornamento della narrazione • Jun 26
TRU: Gen Z Credit Tailwinds Will Support Future Earnings Rebound
Analysts have reduced their fair value estimate for TransUnion from $114.00 to $108.00, citing updated assumptions around revenue growth, profit margins, and a lower future P/E multiple. What’s in the News for TransUnion TransUnion analysis highlights Gen Z as the fastest growing segment in the Canadian credit market, with delinquencies showing signs of stabilizing and mortgage balances continuing to climb, source: TransUnion Canada study on credit trends.Seeking Alpha • Jun 24
Credit Bureaus Remain Powerful, But TransUnion Offers The Better Setup Over Equifax
Summary TransUnion offers the most compelling risk-adjusted return among credit bureaus, driven by identity, fraud, and international growth optionality. TRU's OneTru platform and exposure to emerging markets, especially India and Mexico, position it for outsized returns if execution is strong. Equifax boasts the strongest single asset with The Work Number, but is more cyclical, less diversified, and currently the most expensive. Experian remains the highest-quality operator, yet its consumer-facing platform faces the greatest AI disruption risk among the three. Read the full article on Seeking AlphaArticolo di analisi • Jun 17
TransUnion (TRU) Stock Could Be 23.5% Undervalued After Peace Deal Rally
TransUnion (TRU) stock moved higher after a peace deal announced by the Trump Administration coincided with falling yields and a broad market rally, drawing fresh attention to the company’s recent business and leadership updates. See our latest analysis for TransUnion. Even after today's move, TransUnion’s share price at US$68.92 remains well below its level at the start of the year. The year-to-date share price return is down 17.29% and the 1-year total shareholder return is down 18.31%...
Aggiornamento della narrazione • Jun 06
TRU: Cloud Data Partnerships Will Offset Legal Overhang And Support Future Upside
Analysts have trimmed their price target on TransUnion by about $1 to $90.10, reflecting updated assumptions for revenue growth, profit margins, and future P/E that keep the overall outlook relatively consistent. What's in the News TransUnion reported Q1 2026 adjusted earnings of $1.18 per share and updated full year guidance, including expected 2026 revenue of $5.1b to $5.135b and diluted EPS of $4.04 to $4.11, along with guidance for Q2 2026 that includes expected revenue of $1.271b to $1.283b and diluted EPS of $0.61 to $0.64.Aggiornamento della narrazione • May 21
TRU: AI Data Solutions Will Offset Legal Overhang And Support Future Upside
Analysts have trimmed their price target on TransUnion by about $1 to roughly $91. This reflects updated assumptions for slightly higher discount rates, modestly softer revenue growth and profit margins, and a small adjustment to the expected future P/E multiple.Articolo di analisi • May 09
We Think That There Are Issues Underlying TransUnion's (NYSE:TRU) Earnings
TransUnion ( NYSE:TRU ) announced strong profits, but the stock was stagnant. We did some digging, and we found some...Aggiornamento della narrazione • Apr 24
TRU: AI Data Solutions And Fraud Controls Will Drive Future Upside
Analysts have slightly reduced their average price target on TransUnion from $93.25 to about $92.29, reflecting updated assumptions for revenue growth, profitability, the discount rate, and the future P/E. What's in the News Launched Digital Business Profile, a single portal that distributes small business details across more than 80 directories, maps, apps and social platforms.Nuova narrazione • Apr 13
AI And Global Platform Transformation Will Drive Powerful Long Term Tailwinds
Catalysts About TransUnion TransUnion provides credit, fraud, marketing and consumer data solutions that help businesses assess risk and engage customers. What are the underlying business or industry changes driving this perspective?Aggiornamento della narrazione • Apr 10
TRU: AI Credit Analytics And Fraud Controls Will Support Future Upside Potential
Analysts have trimmed their TransUnion fair value estimate by about $1 to $93.25 as a slightly higher discount rate, modestly softer revenue growth and profit margin inputs, and a marginally higher future P/E assumption are reflected in updated models. What's in the News Launched TruIQ Credit Strategy Studio, a self-service prescreen tool that lets lender marketing teams build, test and deploy campaigns in one place.Aggiornamento della narrazione • Mar 26
TRU: AI Analytics And Fraud Prevention Will Support Stronger Future Returns
Analysts have kept their $94.60 price target for TransUnion unchanged, citing updated assumptions that reflect a slightly higher discount rate, a modestly revised revenue growth outlook, and a small adjustment to expected future P/E and profit margin levels. What's in the News Launched TruLookup for Real Estate, a mobile first app that combines ownership verification, fraud checks, safety screening and prospecting tools for real estate professionals, with rollout planned through participating associations and brokerages in early April (Key Developments).Aggiornamento della narrazione • Mar 12
TRU: AI Credit Analytics And Rental Data Will Support Stronger Returns
Analysts have trimmed their price target for TransUnion from $94.75 to $94.60, reflecting slightly higher discount rate assumptions, modestly revised revenue growth expectations of about 8.58%, and a small adjustment to projected profit margins and future P/E levels. What's in the News TransUnion introduced a 99 cent price point per mortgage origination score for VantageScore 4.0, positioning the product as a lower cost option for lenders and aligning with Federal Housing Finance Agency efforts to support score competition and homebuyer affordability.Aggiornamento della narrazione • Feb 25
TRU: Rental Data And Media Partnerships Will Support Stronger Future Returns
Analysts have trimmed their price target on TransUnion to $94.75 from $105.25 as they now apply slightly higher discount rates, slightly softer revenue growth and profit margin assumptions, and a lower future P/E multiple in their valuation work. What's in the News The board declared a quarterly cash dividend of $0.125 per share for Q4 2025, payable on March 13, 2026, to shareholders of record on February 26, 2026 (company announcement).
Nuova narrazione • Feb 14
AI And Data Monetization Will Shape A Stable Long Term Outlook
Catalysts About TransUnion TransUnion provides credit, fraud, marketing and consumer data solutions that help lenders and businesses make risk and customer decisions. What are the underlying business or industry changes driving this perspective?Aggiornamento della narrazione • Feb 09
TRU: Fraud And Rental Data Solutions Will Support Stronger Future Returns
Analysts have nudged their price target on TransUnion slightly lower from US$105.50 to US$105.25, citing updated assumptions for discount rates, revenue growth, profit margins and forward P/E multiples. What's in the News TransUnion is partnering with FrontLobby to incorporate rental payment data into its alternative data reporting system, allowing on time rent payments to appear on credit reports in a separate rental category and giving housing providers more visibility into tenant performance, with FrontLobby members reporting up to a 92% reduction in delinquencies.Aggiornamento della narrazione • Jan 25
TRU: Fraud And Device Risk Solutions Will Support Stronger Future Returns
Analysts have trimmed their price target for TransUnion to about $105.50 from roughly $106.60, citing modest tweaks to assumptions around the discount rate, revenue growth, profit margins and future P/E expectations. What's in the News TransUnion reported breakthrough results from a collaboration with Actable that used TruAudience Marketing Solutions data to improve AI marketing model fit by 10% and cut false positives by 19.5% for a major retailer's win back campaign.Aggiornamento della narrazione • Jan 10
TRU: Advanced Fraud Solutions And Guidance Will Drive Stronger Future Shareholder Returns
Analysts have slightly reduced their fair value estimate for TransUnion from US$107.25 to US$106.60, reflecting updated views on discount rates, revenue growth, profit margins, and future P/E assumptions. What's in the News TransUnion introduced major upgrades to its Device Risk solution, adding cross session device identification without relying on cookies, adaptive machine learning models, and advanced anomaly detection aimed at helping businesses spot risky devices and fraud patterns in real time (Product related announcement).Articolo di analisi • Jan 05
TransUnion's (NYSE:TRU) Returns Have Hit A Wall
If we want to find a potential multi-bagger, often there are underlying trends that can provide clues. Ideally, a...Aggiornamento della narrazione • Dec 16
TRU: Expanded Buybacks Will Drive Stronger Future Shareholder Returns
Analysts have nudged their price target on TransUnion slightly higher, lifting estimated fair value by about $0.30 per share to $107.25. They are factoring in marginally faster revenue growth and a modestly richer future earnings multiple, despite a slight compression in projected profit margins and discount rate.Aggiornamento della narrazione • Dec 01
TRU: Expanded Buyback and Product Launches Will Drive Shareholder Returns
Analysts have maintained TransUnion's price target at $106.95, citing stable projections in revenue growth, profit margin, and the discount rate as supporting factors for their unchanged outlook. What's in the News TransUnion announced a strategic partnership with Snappt, integrating Snappt's Applicant Trust Platform into TruVision Resident Screening to enhance income verification and tenant screening (Client Announcements).Aggiornamento della narrazione • Nov 17
TRU: Expanded Partnerships And Equity Buyback Will Drive Shareholder Upside
Narrative Update on TransUnion Analysts have modestly increased their price target for TransUnion to $106.95 per share, up from $106.70. This change reflects slight adjustments in revenue growth expectations and updated financial assumptions.Aggiornamento della narrazione • Nov 02
TRU: Raised Buyback Plan And Inclusive Mortgage Data Will Drive Upside
Analysts have slightly reduced their price target for TransUnion from $107.00 to $106.70, citing updated expectations for revenue growth and profitability. What's in the News TransUnion raised its 2025 full-year earnings guidance, projecting 8% to 8.5% revenue growth.Aggiornamento della narrazione • Oct 18
Digital Transformation And India Expansion Will Drive Future Opportunities
Analysts have lowered their price target for TransUnion from $111.80 to $107.00. This change reflects more cautious assumptions on revenue growth and profit margins, even though the discount rate has been only slightly reduced.Aggiornamento della narrazione • Oct 04
Digital Transformation And India Expansion Will Drive Future Opportunities
Analysts have slightly reduced their price target for TransUnion to $111.80 from $113.15, citing modest adjustments to long-term growth and risk assumptions in their updated outlook. What's in the News TransUnion (NYSE:TRU) added to S&P 1000 (Key Developments) Joined S&P 400, S&P 400 Industrials (Sector), and S&P 400 Professional Services (Industry) (Key Developments) Included in S&P Composite 1500 (Key Developments) Company repurchased 494,500 shares between April 1, 2025 and July 15, 2025, completing a buyback of 557,853 shares for $47 million (Key Developments) Issued new financial guidance for Q3 and full year 2025, projecting revenues between $1,115 million and $1,135 million for Q3, and $4,432 million to $4,472 million for the year (Key Developments) Valuation Changes The consensus analyst price target has decreased modestly from $113.15 to $111.80.Articolo di analisi • Sep 08
Does TransUnion (NYSE:TRU) Have A Healthy Balance Sheet?
The external fund manager backed by Berkshire Hathaway's Charlie Munger, Li Lu, makes no bones about it when he says...Articolo di analisi • Jul 25
Is TransUnion (NYSE:TRU) Trading At A 49% Discount?
Key Insights Using the 2 Stage Free Cash Flow to Equity, TransUnion fair value estimate is US$192 TransUnion's US$98.43...Rendimenti per gli azionisti
| TRU | US Professional Services | US Mercato | |
|---|---|---|---|
| 7D | 11.3% | 5.9% | 1.6% |
| 1Y | -14.5% | -21.9% | 18.6% |
Ritorno vs Industria: TRU ha superato il US Professional Services che ha restituito -21.9 % nell'ultimo anno.
Rendimento vs Mercato: TRU ha avuto una performance inferiore al mercato US che ha registrato un rendimento 18.6 % nell'ultimo anno.
Volatilità dei prezzi
| TRU volatility | |
|---|---|
| TRU Average Weekly Movement | 5.9% |
| Professional Services Industry Average Movement | 8.1% |
| Market Average Movement | 7.3% |
| 10% most volatile stocks in US Market | 16.7% |
| 10% least volatile stocks in US Market | 3.2% |
Prezzo delle azioni stabile: TRU non ha avuto una volatilità dei prezzi significativa negli ultimi 3 mesi rispetto al mercato US.
Volatilità nel tempo: La volatilità settimanale ( 6% ) di TRU è rimasta stabile nell'ultimo anno.
Informazioni sull'azienda
| Fondato | I dipendenti | AMMINISTRATORE DELEGATO | Sito web |
|---|---|---|---|
| 1968 | 13,500 | Chris Cartwright | www.transunion.com |
TransUnion è un'agenzia globale di informazioni creditizie per i consumatori che fornisce soluzioni di rischio e di informazione. L'azienda opera in due segmenti: mercati statunitensi e internazionali. Il segmento Mercati statunitensi fornisce soluzioni per la segnalazione del credito, il marketing del credito, l'analisi e la consulenza, la verifica dell'identità, l'autenticazione e il recupero dei crediti per il settore dei servizi finanziari, nonché prodotti per l'onboarding e l'elaborazione delle transazioni, prodotti per lo scoring e l'analisi, soluzioni di marketing, soluzioni per la gestione delle frodi e dell'identità e soluzioni per la fidelizzazione dei clienti, oltre a selezionare soluzioni specifiche per i mercati delle assicurazioni, della tecnologia, della vendita al dettaglio e dell'e-commerce, delle telecomunicazioni, dei media, dello screening degli inquilini e dell'occupazione, delle riscossioni e dei settori pubblici.
TransUnion Riepilogo dei fondamenti
| TRU statistiche fondamentali | |
|---|---|
| Capitalizzazione di mercato | US$15.10b |
| Utili (TTM) | US$704.40m |
| Ricavi(TTM) | US$4.73b |
21.4x
Rapporto P/E3.2x
Rapporto P/STRU è sopravvalutato?
Vedi Fair Value e analisi di valutazioneUtili e ricavi
| TRU Conto economico (TTM) | |
|---|---|
| Ricavi | US$4.73b |
| Costo del fatturato | US$1.95b |
| Profitto lordo | US$2.78b |
| Altre spese | US$2.08b |
| Utili | US$704.40m |
Ultimi utili riportati
Mar 31, 2026
Prossima data di guadagno
Jul 28, 2026
| Utile per azione (EPS) | 3.65 |
| Margine lordo | 58.83% |
| Margine di profitto netto | 14.90% |
| Rapporto debito/patrimonio netto | 114.1% |
Come si è comportato TRU nel lungo periodo?
Vedi performance storica e confrontoDividendi
0.6%
Rendimento attuale del dividendo10%
Rapporto di remunerazioneAnalisi aziendale e situazione dei dati finanziari
| Dati | Ultimo aggiornamento (ora UTC) |
|---|---|
| Analisi dell'azienda | 2026/07/05 08:51 |
| Prezzo dell'azione a fine giornata | 2026/07/02 00:00 |
| Utili | 2026/03/31 |
| Utili annuali | 2025/12/31 |
Fonti dei dati
I dati utilizzati nella nostra analisi aziendale provengono da S&P Global Market Intelligence LLC. I seguenti dati sono utilizzati nel nostro modello di analisi per generare questo report. I dati sono normalizzati, il che può comportare un ritardo nella disponibilità della fonte.
| Pacchetto | Dati | Tempistica | Esempio Fonte USA * |
|---|---|---|---|
| Dati finanziari della società | 10 anni |
| |
| Stime di consenso degli analisti | +3 anni |
|
|
| Prezzi di mercato | 30 anni |
| |
| Proprietà | 10 anni |
| |
| Gestione | 10 anni |
| |
| Sviluppi principali | 10 anni |
|
* Esempio per i titoli statunitensi, per i titoli non statunitensi si utilizzano forme e fonti normative equivalenti.
Se non specificato, tutti i dati finanziari si basano su un periodo annuale ma vengono aggiornati trimestralmente. Si tratta dei cosiddetti dati TTM (Trailing Twelve Month) o LTM (Last Twelve Month). Per saperne di più.
Modello di analisi e Snowflake
I dettagli del modello di analisi utilizzato per generare questo report sono disponibili sulla nostra pagina Github; disponiamo inoltre di guide su come utilizzare i nostri report e di tutorial su Youtube.
Scoprite il team di livello mondiale che ha progettato e realizzato il modello di analisi Simply Wall St.
Metriche di settore e industriali
Le nostre metriche di settore e di sezione sono calcolate ogni 6 ore da Simply Wall St; i dettagli del nostro processo sono disponibili su Github.
Fonti analitiche
TransUnion è coperta da 28 analisti. 21 di questi analisti ha fornito le stime di fatturato o di utile utilizzate come input per il nostro report. Le stime degli analisti vengono aggiornate nel corso della giornata.
| Analista | Istituzione |
|---|---|
| Jeffrey Meuler | Baird |
| Manav Patnaik | Barclays |
| Jeffrey Silber | BMO Capital Markets Equity Research |