TransUnion (TRU) AI Stock Analysis

TransUnion specializes in providing comprehensive risk and information solutions across global markets. It operates through three main segments: U.S. Markets, International, and Consumer Interactive. The U.S. Markets segment delivers consumer reports, actionable analytics, fraud prevention, and identity verification services across industries such as financial services, insurance, and the public sector. The International segment offers credit reports, analytics, commercial credit information, and technology solutions across global markets. The Consumer Interactive segment provides direct-to-consumer tools, including credit reports, credit scores, credit monitoring, identity protection, and personal financial management solutions accessible via online and mobile platforms.

TransUnion expanded annual revenue from $2.96B in FY2021 to $4.58B in FY2025, recording a 5-year revenue CAGR of 12.6%. Operating margin stood at 22.0% in FY2021, dipped to 3.4% in FY2023, and recovered to 18.7% in FY2025. Net income rebounded from -$206.2M in FY2023 to $455.4M in FY2025, yielding an EPS of $4.30. In the trailing twelve months, revenue reached $4.90B with an operating margin of 19.7% and EPS of $3.79. For the latest quarter ending June 30, 2026, quarterly revenue grew 14.9% year-over-year while quarterly earnings increased 32.1%.

As of June 30, 2026, TransUnion held $839.1M in cash and short-term investments against $5.66B in total debt, resulting in net debt of $4.82B. Shareholders' equity was $4.84B, reflecting a debt-to-equity ratio of 1.17 and a current ratio of 1.90. In FY2025, the company generated $987.6M in operating cash flow and $661.6M in free cash flow. Capital allocation for FY2025 included $326.0M for capital expenditures, $302.0M for share buybacks, and $90.5M in dividends paid.

At $74.08 per share, TransUnion has a market capitalization of $14.19B and an enterprise value of $18.41B. The stock trades at a trailing P/E of 19.5x and a forward P/E of 12.8x, compared to the median of its US-listed Financial Services peers of 12.1x trailing and 10.8x forward. Its EV/EBITDA of 10.3x sits below the peer median of 11.7x, while its price-to-sales is 2.9x compared to 3.2x for peers. Over the past year, TransUnion fell 4.8%, trailing the S&P 500 (SPY) return of 16.8%, and its 5-year return of -34.2% lagged the index return of 83.0%.

TransUnion pays a quarterly dividend with an annual forward payout of $0.50, yielding 0.67%. The dividend payout ratio is 11.1%. The company has paid dividends for 9 consecutive years, delivering a 5-year annualized dividend growth rate of 8.9%. Its last ex-dividend date was August 20, 2026.

Wall Street coverage consists of 11 Strong Buy, 6 Buy, and 5 Hold ratings, with zero Sell or Strong Sell recommendations. The mean price target is $89.43, representing a 20.7% upside to the last close of $74.08. TransUnion has beaten EPS estimates in each of the last 4 quarters. For the fiscal year ending December 31, 2026, analysts estimate EPS of $4.80 on revenue of $5.16B. The company is scheduled to report earnings on October 27, 2026.

This page is an AI-written research summary of TransUnion (TRU). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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