TransUnion

TransUnion

TRU
TransUnionUS flagNew York Stock Exchange
80.48
USD
-0.65
- -
15.42BMarket 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
25.34
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
3.82
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
5.71
Dividend per Share
- -
- -
- -
- -
- -
0.23
0.3
0.3
0.36
0.4
0.42
0.43
0.47
0.49
Book Value per Share
3.53
3.3
6.75
7.44
9.44
10.18
11.9
13.33
20.38
21.64
20.68
21.64
23.07
25.28
Tangible Book Value per Share
-18.09
-18.99
-13.83
-14.05
-13.46
-21.28
-18.68
-15.01
-28.09
-26.24
-24.16
-21.47
-20.37
-23.43
Basic Weighted Avg Shares
148
148
165
183
182
185
188
190
191
192
193
194
194
193
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
4,896
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
18.81
Depreciation Expense
187
241
278
265
238
307
339
347
377
519
524
538
575
606
Net Income, GAAP
-35
-12
6
121
441
277
347
343
1,390
266
-206
284
455
738
Effective Tax Rate (%)
- -
- -
42.48
36.03
- -
15.87
18.83
21.49
26.09
31.04
- -
24.63
26.92
18.45
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
15.08
Working Capital
102
71
131
177
130
293
317
800
1,275
545
472
742
862
1,032
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
5,426
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
4,999
Return on Invested Capital (%)
- -
- -
3.13
5.18
- -
8.36
7.27
6.43
5.66
4.13
- -
5.79
6.57
7.35
Return on Capital (%)
- -
- -
2.03
4.43
- -
7.39
7.98
7.03
17.48
3.98
- -
4.89
6.38
9.08
Return on Common Equity (%)
- -
-2.06
0.65
9.3
28.54
15.29
16.78
14.34
43.12
6.59
-5.04
6.92
10.52
15.77

Capital Structure

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
217
224
233
LT Borrowings
4,907
5,402
5,372
LT Finance Leases
35
58
54
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
192
193
192
Market Capitalization
16,498
13,340
13,822

Working Capital

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
2,016
2,017
2,178
Cash, Cash Equivalents & STI
856
733
840
Accounts Receivable, Net
905
1,047
1,048
Inventories
- -
- -
- -
Total Current Liabilities
1,154
1,046
1,146
Payables & Accruals
703
583
685
ST Debt
217
224
233
Deferred Revenue
130
136
131

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
1,310
- -
- -
- -

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
0.75
- -
- -
- -

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
0.13
- -
- -
- -

Company Description

APIChatGPT
CEO
Christopher A. Cartwright
Full Time Employees
13,500
Sector
Financial Services
Industry
Financial - Credit 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
  • Is TRU Stock Worth Buying as Growth Improves but Debt Stays High?

  • TRU Stock Climbs 15.3% in 3 Months: Can the Rally Continue From Here?

  • Growing Big Data & Analytics Market Aids TRU Amid Stiff Competition

  • More Americans Have Access to Credit While Debt Growth Has Moderated

  • TransUnion Declares Second Quarter 2026 Dividend of $0.125 per Share

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

  • TransUnion Research Reveals Growing AI Confidence-Readiness Paradox Among Marketers

  • TransUnion (TRU) Upgraded to Buy: Here's Why

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

  • TransUnion (TRU) Shares Fall 4.1% -- What GF Score of 90 Tells Investors

  • TransUnion Stock Gains 8.4% Since Q2 Earnings & Revenue Beat

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

  • TransUnion Q2 Earnings Call Highlights

  • TransUnion (TRU) Q2 2026 Earnings Call Transcript

  • TransUnion Q2 Earnings: Great Print, But It Seems To Be Priced Accordingly

  • Compared to Estimates, TransUnion (TRU) Q2 Earnings: A Look at Key Metrics

  • TransUnion (TRU) Beats Q2 Earnings and Revenue Estimates

  • TransUnion Announces Strong Second Quarter 2026 Results

  • Will TransUnion (TRU) Beat Estimates Again in Its Next Earnings Report?

  • Dimensional Fund Advisors LP Increases Stake in TransUnion $TRU