TransUnion

TransUnion

TRUยทNYSE

$69.39

-5.9%
IndustrialsConsulting Services

TransUnion provides risk and information solutions. The company operates in three segments: U.S. Markets, International, and Consumer Interactive. The U.S. Markets segment provides consumer reports, actionable insights, and analytics to businesses. These businesses use its services to acquire new customers; assess consumer ability to pay for services; identify cross-selling opportunities; measure and manage debt portfolio risk; collect debt; verify consumer identities; and mitigate fraud risk. This segment serves various industry vertical markets, including financial services, insurance, tenant and employment, collections and services, technology, commerce and communication, public sector, media, and other markets. The International segment offers credit reports, analytics, technology solutions, and other value-added risk management services; and consumer services, which help consumers to manage their personal finances and consumer credit reporting, insurance and auto information solutions, and commercial credit information services. This segment serves customers in financial services, retail credit, insurance, automotive, collections, public sector, and communications industries through direct and indirect channels. The Consumer Interactive segment provides credit reports and scores, credit monitoring, identity protection and resolution, and financial management solutions that enable consumers to manage their personal finances and take precautions against identity theft. This segment offers its products through online and mobile interfaces, as well as through direct and indirect channels. The company serves customers in approximately 30 countries and territories, including North America, Latin America, Europe, Africa, India, and the Asia Pacific. The company was formerly known as TransUnion Holding Company, Inc. and changed its name to TransUnion in March 2015. TransUnion was founded in 1968 and is headquartered in Chicago, Illinois.

At a Glance

Live Snapshot
Market Cap$13.38B
EPS2.3400
P/E Ratio29.65
Earnings Date07/23/2026
3Y+23.0%
5Y+81.0%
10Y+168.0%
3Y+71.0%
5Y+33.0%
10Y+278.0%
3Y+232.0%
5Y+25.0%
10Y+153.0%
TransUnion

TransUnion Profit Bridge

TRU ยท NYSE
Revenue4.58B
Cost of Goods Sold (1.87B)
Gross Profit2.70B
Operating Expenses (1.85B)
Operating Income857.80M
Interest Expense (235.80M)
Other Income/Expense-214.80M
Pretax Income643.00M
Income Tax (173.10M)
Net Income455.40M
Net Income
455.40M

Profitability Analysis

Gross Margin

59.1%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

18.7%

Healthy operating margins demonstrate effective cost control and strong business fundamentals.

Net Profit Margin

10.0%

Moderate profitability with room for improvement. Monitor interest expenses and tax efficiency.

Effective Tax Rate

26.9%

Higher tax burden may reflect limited tax optimization or operations in high-tax jurisdictions.

Profitability Insight

High margin compression: Large gap between gross and net margins suggests operational inefficiencies or heavy debt burden. Focus on expense management and deleveraging.

TransUnion Income Statement

TRU โ€ข NYSE

TransUnion Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012
REVENUE
4.6B
4.2B
3.8B
3.7B
3B
2.5B
2.5B
2.3B
1.9B
1.7B
1.5B
1.3B
1.2B
1.1B
GROSS PROFIT
(1.9B)
(1.7B)
(1.5B)
(1.4B)
(1B)
(853.9M)
(805.5M)
(790.1M)
(645.7M)
(579.1M)
(531.6M)
(500.2M)
(473.9M)
(448.7M)
2.7B
2.5B
2.3B
2.3B
1.9B
1.7B
1.7B
1.5B
1.3B
1.1B
975.2M
804.5M
709.3M
691.3M
OPERATING INCOME
(1.8B)
(1.8B)
(2.2B)
(1.7B)
(1.3B)
(1.2B)
(1.1B)
(1B)
(823.4M)
(825.3M)
(778.1M)
(676.1M)
(540.1M)
(589M)
(1.3B)
(1.2B)
(1.2B)
(1.2B)
(909M)
(793.3M)
(777.4M)
(707.7M)
(585.4M)
(560.1M)
(499.7M)
(434.9M)
(353.3M)
(315.4M)
857.8M
666.7M
128.5M
626.3M
651.9M
500.3M
541.7M
512.5M
464.7M
300.5M
197.1M
128.4M
169.2M
231.7M
PRE-TAX INCOME
(235.8M)
(265.2M)
(288.2M)
(230.9M)
(132.2M)
(134.9M)
(190.6M)
(151.1M)
(99.5M)
(86.9M)
(173.2M)
(190M)
(197.6M)
(125M)
-202.6M
-236.7M
-267.5M
-226.2M
-128.8M
-129.3M
-183.1M
-145.6M
-94M
-82.3M
-169.4M
-186.7M
-195.9M
-124.3M
(581.6M)
(604.5M)
(1B)
(547.5M)
(377M)
(383.1M)
(338.6M)
(306.9M)
(238M)
(265.2M)
(278.4M)
(241.2M)
(186.8M)
(144.2M)
-214.8M
-265.6M
-273.8M
-243.3M
-146.3M
-110.8M
-167.2M
-169M
-92.2M
-95.1M
-170.5M
-130.2M
-195.1M
-292.9M
643M
401.1M
-145.3M
383M
505.6M
389.5M
374.5M
343.5M
372.5M
205.4M
26.6M
-1.8M
-25.9M
-61.2M
NET INCOME
(173.1M)
(98.8M)
(44.7M)
(118.9M)
(131.9M)
(83.7M)
(70.5M)
(54.5M)
-79.1M
(74M)
(11.3M)
(2.6M)
(2.3M)
(4.9M)
455.4M
284.4M
-206.2M
266.3M
1.4B
343.2M
346.9M
276.6M
441.2M
120.6M
5.9M
-12.5M
-35.1M
-63.7M

SEC Filings

TRU - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 15, 2026
May 12, 2026
2026
10-Q

10-Q 2026 Q1

Q1

April 28, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 28, 2026
April 28, 2026
2026
DEF 14A

DEF 14A 2026

N/A

March 24, 2026
May 12, 2026
2026
8-K

8-K 2026

N/A

March 10, 2026
March 10, 2026
2026
10-K

10-K 2025 FY

FY

February 27, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 12, 2026
February 11, 2026
2026
8-K

8-K 2025

N/A

December 23, 2025
December 19, 2025
2025
10-Q

10-Q 2025 Q3

Q3

October 23, 2025
September 30, 2025
2025
8-K

8-K 2025

N/A

October 23, 2025
October 23, 2025
2025
Showing 1 to 10 of 260 filings