TransUnion

TransUnion

TRU
TransUnionUS flagNew York Stock Exchange
78.31
USD
+3.84
- -
15.10BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
8
8.82
9.12
9.34
10.6
12.55
13.12
13.33
15.47
19.27
19.81
21.52
23.54
24.38
Basic EPS, GAAP
-0.24
-0.08
0.04
0.66
2.42
1.5
1.85
1.81
7.26
1.38
-1.07
1.46
2.34
3.63
Free Cash Flow per Basic Share
0.97
1.04
1.87
2.14
2.55
3.01
4.14
4.15
4.22
1.54
3.34
4.28
5.08
5.26
Dividend per Share
- -
- -
- -
- -
- -
0.23
0.3
0.3
0.36
0.4
0.42
0.43
0.47
0.48
Book Value per Share
-2.81
-2.9
-2.56
-1.65
0.76
1.98
3.48
4.95
11.79
12.72
11.16
12.14
14.02
15.98
Tangible Book Value per Share
-21.16
-21.74
-14.44
-13.49
-12.99
-20.91
-18.27
-14.55
-27.64
-25.75
-23.71
-21
-19.61
-22.82
Basic Weighted Avg Shares
148
148
165
183
182
185
188
190
191
192
193
194
194
194
Sales/Revenue/Turnover
1,183
1,305
1,507
1,705
1,934
2,317
2,463
2,531
2,960
3,710
3,831
4,184
4,576
4,726
Operating Margin (%)
14.3
9.84
13.08
17.63
24.03
22.12
21.99
19.77
22.02
16.88
16.13
17.53
18.89
18.09
Depreciation Expense
187
241
278
265
238
307
339
347
377
519
524
538
575
588
Net Income, GAAP
-35
-12
6
121
441
277
347
343
1,390
266
-206
284
455
704
Effective Tax Rate (%)
- -
- -
42.48
36.03
- -
15.87
18.83
21.49
26.09
31.04
- -
24.63
26.92
18.2
Profit Margin (%)
-2.97
-0.96
0.39
7.07
22.82
11.94
14.08
13.56
46.97
7.18
-5.38
6.8
9.95
14.91
Working Capital
102
71
131
177
130
293
317
800
1,275
545
472
742
862
972
LT Debt
2,853
2,866
2,161
2,325
2,345
3,976
3,656
3,448
6,370
5,658
5,333
5,118
4,942
5,460
Total Equity
714
748
1,367
1,473
1,825
1,982
2,339
2,636
4,006
4,269
4,106
4,319
4,545
4,915
Return on Invested Capital (%)
- -
- -
3.13
5.18
- -
8.36
7.27
6.43
5.66
4.13
- -
5.79
6.57
6.89
Return on Capital (%)
- -
- -
3.21
8.02
- -
10.59
10.74
9.51
21.71
4.76
- -
6.06
7.83
10.63
Return on Common Equity (%)
- -
- -
- -
- -
- -
109.7
68.09
43.08
87
11.32
-8.95
12.59
17.91
25.23

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
105
217
224
LT Borrowings
5,036
4,907
5,402
LT Finance Leases
38
35
58
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
194
192
193
Market Capitalization
16,333
16,676
13,414

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
1,979
2,016
2,017
Cash, Cash Equivalents & STI
752
856
733
Accounts Receivable, Net
894
905
1,047
Inventories
- -
- -
- -
Total Current Liabilities
985
1,154
1,046
Payables & Accruals
662
703
583
ST Debt
105
217
224
Deferred Revenue
118
130
136

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
13.61%
13.03%
5.24%
Free Cash Flow
21.03%
20.84%
18.63%
Net Income, GAAP
206.6%
-26.19%
60.13%
Sales/Revenue/Turnover
11.96%
12.83%
9.38%
Total Cash Common Dividend
- -
9.66%
9.43%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1,021
1,041
1,085
1,037
4,184
2025
1,096
1,140
1,170
1,171
4,576
2026
1,246
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.34
0.44
0.35
0.34
1.46
2025
0.76
0.56
0.5
0.52
2.34
2026
2.06
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.11
0.11
0.1
0.11
0.43
2025
0.12
0.12
0.12
0.12
0.47
2026
0.13
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
Christopher A. Cartwright
Full Time Employees
13,440
Sector
Industrials
Industry
Specialty Business Services
Address
555 West Adams Chicago IL United States of America 60661
IPO Date
Jun 25, 2015
Business
TransUnion is a global risk and information solutions company specializing in consumer credit reporting, analytics, and decisioning services. It offers a comprehensive suite of products and services including credit reports, credit scores, fraud and identity solutions, insurance underwriting data, and alternative data analytics. The company serves a broad range of clients including financial institutions, businesses, government agencies, and consumers across multiple geographic regions including North America, the United Kingdom, Canada, Latin America, and Africa. Founded in 1968 and headquartered in Chicago, Illinois, TransUnion aggregates proprietary and third-party data on over one billion individuals and businesses worldwide. TransUnion’s core offerings encompass consumer credit information and credit risk management solutions; identity verification and fraud prevention technologies; decisioning and predictive analytics platforms; insurance claims and underwriting data services; and alternative data to enhance credit visibility for underserved populations. The company actively develops cloud-based technology platforms to streamline product delivery and enhance operational efficiency, notably through Project Rise—a multi-year technology investment program integrating advanced capabilities acquired from Neustar to build a unified global fulfillment system for its product lines. In recent major developments, TransUnion completed its acquisition of a controlling stake (increasing ownership to approximately 94%) in Buró de Crédito, Mexico’s leading consumer credit bureau, for $560 million, marking a significant expansion in Spanish-speaking Latin America. This deal is expected to generate substantial revenue and EBITDA while enabling TransUnion to introduce advanced credit analytics, fraud mitigation, and consumer engagement tools in the Mexican market. Additionally, TransUnion acquired UK-based Monevo, a credit prequalification and distribution platform, enhancing its Consumer Interactive segment’s capabilities. The company has accelerated investments in technology infrastructure and raised its 2025 revenue growth guidance to 8-8.5%, supported by organic growth across U.S. Financial Services, Emerging Verticals, and international markets. It also increased its share repurchase authorization to $1 billion as part of capital return efforts. TransUnion operates through distinct business segments focusing on U.S. Markets—which include financial services and emerging verticals such as healthcare and telecommunications—and International Markets with operations in the UK, Canada, and Latin America. The company targets customers from credit issuers, lenders, insurers, utilities, and government entities seeking risk management, credit risk evaluation, and verification solutions. By leveraging comprehensive data assets and advanced analytics technology, TransUnion aims to enhance financial inclusion, fraud prevention, and accurate credit decisioning globally.

Company News

APIChatGPT
  • A Look at TransUnion (TRU) After 5.2% Gain -- GF Value $96.58 vs Price $78.31

  • Expanding Big Data & Analytics Market Aids TRU Amid High Rivalry

  • TransUnion Announces Earnings Release Date for Second Quarter 2026 Results

  • TransUnion Report Maps How Mortgage Rate Changes Could Reshape Local Housing Markets

  • Gen Z Drives Canada's Credit Growth as Delinquencies Begin to Stabilize

  • Here's Why TransUnion (TRU) is a Strong Value Stock

  • Seven in 10 Insurers Say They Deliver Personalized Experiences; Fewer Than Half of Consumers Agree

  • Why TransUnion (TRU) is a Top Momentum Stock for the Long-Term

  • High Credit Inquiry Velocity Emerges as Top Fraud Risk Indicator in Rental Applications

  • TransUnion Appoints Clayton Ruebensaal as Chief Marketing and Communications Officer

  • Resilient Consumers Remain Optimistic Despite Mounting Affordability Pressures

  • TRU Precious Metals' 2026 Field Works Program Gets Underway at Golden Rose

  • TransUnion (TRU) Presents at 46th Annual William Blair Growth Stock Conference Transcript

  • TransUnion Expands TruIQ™ Data Enrichment on Snowflake AI Data Cloud to Power Prescreen Credit Marketing Campaigns

  • TransUnion Named 2026 Media and Entertainment Snowflake Product Partner of the Year

  • Klarna Trades Below IPO Price As 47% Of BNPL Users Pay Late: The 2 Sides Of The Delinquency Trade

  • TRU or EXPGY: Which Is the Better Value Stock Right Now?

  • TransUnion (TRU) Presents at 2026 Baird Global Consumer, Technology & Services Conference Transcript

  • FICO Just Put BNPL Loans Into Credit Scores: Who Sells The Data And Who Becomes The Data

  • Why Is TransUnion (TRU) Up 0.5% Since Last Earnings Report?