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+232.0%
5Y+25.0%
10Y+153.0%
3Y-54.0%
5Y+24.0%
10Y-33.0%
3Y-40.0%
5Y+67.0%
10Y-422.0%
TRU

TransUnion Cash Conversion Engine

TRU ยท NYSE
Net Income455.40M
Depreciation & Amortization574.80M
Stock-Based Compensation0.00
Change in Working Capital-217.60M
Others203.80M
Capital Expenditures-326.00M
Free Cash Flow661.60M

Cash Flow Quality Analysis

FCF Conversion Rate

145.3%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

33.0%

Moderate capital requirements typical of many stable businesses. Healthy balance between reinvestment and cash generation.

FCF Growth Trend

+28.0%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

-$217.60M

Moderate working capital outflow. Typical for growing businesses, but ensure it's supporting revenue growth, not inefficiency.

Cash Flow Quality Insight

Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.

TransUnion Cash Flow Statement

TRU โ€ข NYSE

TransUnion Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012
OPERATING ACTIVITIES
455.4M
302.3M
-190.1M
267.3M
370.5M
355.6M
356.6M
289M
451.6M
131.4M
15.3M
-4.4M
-28.2M
-63.7M
574.8M
537.8M
524.4M
519M
377M
367.9M
362.1M
306.9M
238M
265.2M
278.4M
241.2M
186.8M
144.2M
-28.8M
-157.3M
-162.7M
-88.9M
-17.2M
-35.3M
-22.5M
-69M
-212.8M
-22.2M
-17.3M
-20.8M
-16.2M
-6.5M
0.0
121.2M
100.6M
82.8M
69.2M
44.3M
51M
57.9M
33.1M
24.4M
9M
8M
6.3M
95.7M
203.8M
82.2M
447.1M
28.2M
53.7M
7.8M
6.7M
26.3M
15.4M
4.7M
49.4M
-47.9M
-13.6M
18.9M
(0.0)
(202.5M)
(206.4M)
(573.6M)
(181.2M)
(131.9M)
(110.6M)
(111.1M)
(120.2M)
(93.6M)
(25.9M)
(25.2M)
(23.3M)
(0.0)
-217.6M
-53.7M
-73.9M
-511.2M
-44.9M
47.1M
22.8M
-55.4M
-57.3M
-13.6M
-25.7M
-21.8M
8.3M
-25.7M
987.6M
832.5M
645.4M
297.2M
808.3M
787.4M
776.7M
555.7M
468M
389.9M
309.1M
154.3M
143.4M
99.4M
INVESTING ACTIVITIES
-326M
-315.8M
-310.7M
-298.2M
-224.2M
-214.1M
-198.5M
-180.1M
-135.3M
-124M
-132.2M
-155.2M
-81.7M
-69.2M
(0.0)
(0.0)
-500K
-524.3M
-3.7B
-71.7M
-46.3M
-1.8B
-356.1M
-362.8M
-61.3M
-115.8M
-292.3M
-1.5B
(0.0)
-200K
-90.4M
-146.1M
-66.9M
-73.5M
-31.4M
-33.9M
-52M
-66.1M
-17M
-17.2M
-1.8M
-700K
200K
7.9M
82.3M
143.5M
1.7B
90.6M
35.9M
26.1M
62.2M
59.1M
13.4M
11.2M
4.4M
0.0
-5.9M
700K
400K
101.2M
6.6M
1.5M
36.4M
-1.4M
400K
-2M
9.1M
1M
4.4M
-1.5B
-331.7M
-307.4M
-318.9M
-723.9M
-2.2B
-267.2M
-203.9M
-2B
-480.8M
-495.8M
-197.1M
-276M
-367M
-1.6B
FINANCING ACTIVITIES
-337.7M
24.9M
23.1M
18.7M
21.9M
22.9M
24.4M
26.2M
-106.4M
5.3M
-300K
9.4M
2.4M
1.1B
-78.5M
-191.9M
-341.9M
-714.6M
3B
-208.8M
-398.1M
1.6B
73.3M
155.7M
-738.2M
154.2M
198.1M
939.5M
-90.5M
-82.7M
-81.8M
-77.8M
-69.8M
-57.6M
-56.8M
-41.6M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-337.7M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-133.5M
-700K
-300K
-200K
-3.4M
-700K
12.1M
-59M
-38.2M
-46.8M
-149M
-53.4M
-56.2M
-45.1M
8.5M
-7.2M
-80.1M
-71.7M
-13.2M
-426M
-494.6M
-308.7M
-438.8M
-820.5M
2.8B
-296.9M
-486.7M
1.5B
-51.7M
153.8M
-51.3M
91.9M
187.3M
1.6B
CASH FLOW SUMMARY
12.8M
-13.1M
3.2M
-9.9M
-8M
-4.4M
600K
-6.6M
300K
1.1M
-5.4M
-3.5M
-6.8M
100K
174.1M
203.3M
-109.1M
-1.3B
1.3B
218.9M
86.7M
71.6M
-66.4M
49M
55.3M
-33.3M
-43.1M
142.9M
679.5M
476.2M
585.3M
1.8B
492.7M
274.1M
187.4M
115.8M
182.2M
133.2M
77.9M
111.2M
154.3M
107.8M
853.6M
679.5M
476.2M
585.3M
1.8B
493M
274.1M
187.4M
115.8M
182.2M
133.2M
77.9M
111.2M
250.7M
661.6M
516.7M
334.7M
-1M
584.1M
573.3M
578.2M
375.6M
332.7M
265.9M
176.9M
-900K
61.7M
30.2M

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