TransUnion (TRU) Stock Overview
Operates as a global consumer credit reporting agency that provides risk and information solutions. More details
| Snowflake Score | |
|---|---|
| Valuation | 5/6 |
| Future Growth | 2/6 |
| Past Performance | 4/6 |
| Financial Health | 3/6 |
| Dividends | 0/6 |
Rewards
Risk Analysis
TRU Community Fair Values
Create NarrativeSee what 14 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
TransUnion Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$72.95 |
| 52 Week High | US$99.39 |
| 52 Week Low | US$65.24 |
| Beta | 1.57 |
| 1 Month Change | 6.05% |
| 3 Month Change | -0.72% |
| 1 Year Change | -15.60% |
| 3 Year Change | 9.50% |
| 5 Year Change | -30.89% |
| Change since IPO | 187.20% |
Recent News & Updates
Recent updates
Analysis Article • 19h
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...Seeking Alpha • Apr 29
TransUnion: Continued Organic Growth And A Smart Acquisition (Rating Upgrade)
Summary TransUnion earns a 'strong buy' rating, driven by robust organic growth, an accretive Mexico acquisition, and compelling valuation at 14x forward earnings. Q1 results exceeded guidance across all segments, with U.S. Financial Services up 24% and mortgage revenue surging 50%, highlighting broad-based business momentum. The Mexico acquisition expands TRU's market dominance, offers structural growth, and was secured at a 9.4x EV/EBITDA multiple—well below TRU’s own trading multiple. Management’s guidance appears conservative, with a track record of outperformance and clear levers for further EPS upside as integration and product expansion progress. Read the full article on Seeking Alpha
Narrative Update • 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.
New Narrative • 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?Narrative Update • 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.Narrative Update • 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).Narrative Update • 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.Narrative Update • 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).
New Narrative • 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?Narrative Update • 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.Narrative Update • 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.Narrative Update • 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).Analysis Article • 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...Narrative Update • 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.Narrative Update • 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).Narrative Update • 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.Narrative Update • 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.Narrative Update • 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.Narrative Update • 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.Analysis Article • 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...Analysis Article • 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...Analysis Article • Jun 21
Is It Time To Consider Buying TransUnion (NYSE:TRU)?
Today we're going to take a look at the well-established TransUnion ( NYSE:TRU ). The company's stock saw a significant...Analysis Article • May 13
TransUnion's (NYSE:TRU) 27% Share Price Surge Not Quite Adding Up
Those holding TransUnion ( NYSE:TRU ) shares would be relieved that the share price has rebounded 27% in the last...
New Narrative • Feb 11
Transformation With Global Capability Centers And OneTru Will Strengthen Market Position By 2026
Strategic initiatives like Global Capability Centers and OneTru are expected to enhance profit margins and boost earnings through cost savings and innovation.Shareholder Returns
| TRU | US Professional Services | US Market | |
|---|---|---|---|
| 7D | 2.7% | -0.9% | 2.1% |
| 1Y | -15.6% | -22.9% | 30.6% |
Return vs Industry: TRU exceeded the US Professional Services industry which returned -22.1% over the past year.
Return vs Market: TRU underperformed the US Market which returned 31% over the past year.
Price Volatility
| TRU volatility | |
|---|---|
| TRU Average Weekly Movement | 5.6% |
| Professional Services Industry Average Movement | 8.3% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.1% |
| 10% least volatile stocks in US Market | 3.2% |
Stable Share Price: TRU has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: TRU's weekly volatility (6%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1968 | 13,500 | Chris Cartwright | www.transunion.com |
TransUnion operates as a global consumer credit reporting agency that provides risk and information solutions. The company operates in two segments, U.S. Markets and International.
TransUnion Fundamentals Summary
| TRU fundamental statistics | |
|---|---|
| Market cap | US$13.63b |
| Earnings (TTM) | US$704.40m |
| Revenue (TTM) | US$4.73b |
20.0x
P/E Ratio3.0x
P/S RatioIs TRU overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| TRU income statement (TTM) | |
|---|---|
| Revenue | US$4.73b |
| Cost of Revenue | US$1.95b |
| Gross Profit | US$2.78b |
| Other Expenses | US$2.08b |
| Earnings | US$704.40m |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 3.65 |
| Gross Margin | 58.83% |
| Net Profit Margin | 14.90% |
| Debt/Equity Ratio | 114.1% |
How did TRU perform over the long term?
See historical performance and comparisonDividends
0.7%
Current Dividend Yield10%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/05/07 09:48 |
| End of Day Share Price | 2026/05/07 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
TransUnion is covered by 28 analysts. 20 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Jeffrey Meuler | Baird |
| Manav Patnaik | Barclays |
| Jeffrey Silber | BMO Capital Markets Equity Research |