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

Intrinsic Alpha Methodology

Thesis Lenses

Signal ยท Driver ยท Risk

Signal

High confidence

Valuation multiple is elevated (P/E 29.6).

Valuation inputs: P/E 29.6, earnings yield +3.4%, momentum -5.9%.

If multiples stay elevated while momentum fades, downside repricing risk rises.

Driver

High confidence

Return profile is acceptable (ROE +10.3%, ROIC +6.2%).

Profitability stack: net margin +10.0%, ROE +10.3%, ROIC +6.2%.

Quality deterioration often appears in margins before it shows up in headline EPS.

Risk

High confidence

Risk profile is balanced but has notable pressure points to monitor.

Risk factors: liabilities/assets +59.1%, momentum -5.9%, net margin +10.0%.

Higher leverage with weak momentum and thin margins can amplify drawdown severity.

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TransUnion Market vs Earnings Trajectory

TRU ยท NYSE

Loading price and EPS data...

TransUnion

TransUnion Fair Value Envelope

TRU ยท NYSE

Our analysis suggests that TRU has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $69.39, this represents a potential HIDDEN relative to our calculated worth for TransUnion.

Intrinsic Value
Current Price: $69.39
3Y+67.0%
5Y+29.0%
10Y+255.0%
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%
3Y-66260.0%
5Y+15.0%
10Y+149.0%
3Y-5.0%
5Y+52.0%
10Y+132.0%
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.

59.09%
Gross Profit Margin
-2%
3Y-6.0%
5Y-11.0%
10Y-11.0%
18.74%
Operating Profit Margin
18%
3Y+11.0%
5Y-5.0%
10Y+6.0%
9.95%
Net Profit Margin
46%
3Y+39.0%
5Y-27.0%
10Y+41.0%
10.26%
Return on Equity
52%
3Y+61.0%
5Y-24.0%
10Y+16.0%
4.10%
Return on Assets
58%
3Y+80.0%
5Y-13.0%
10Y+62.0%
6.16%
Return on Invested Capital
23%
3Y+56.0%
5Y+5.0%
10Y+43.0%
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.

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TransUnion Funding & Solvency Profile

TRU ยท NYSE
Cash & Cash Equivalents732.50M
Net Receivables1.05B
Inventory0.00
Other Current Assets237.30M
Total Current Assets2 B
Property, Plant & Equipment275.10M
Goodwill & Intangible Assets9.34B
Long-Term Investments202.60M
Other Non-Current Assets213.00M
Total Non-Current Assets691 M
Total Assets
12.05B

Financial Health Analysis

Current Ratio

1.93x

Strong liquidity. The company has adequate resources to meet short-term liabilities.

Debt-to-Equity Ratio

1.45x

Elevated leverage. Debt exceeds equity, which amplifies both gains and risks. Monitor debt servicing ability.

Working Capital

972 M

Strong working capital position provides significant operational flexibility and financial cushion.

Asset Composition

17% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

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TransUnion Street Expectations Map

TRU ยท NYSE

Wall Street analysts project that TRU stock may rise significantly over the coming 12 months. The consensus 1-year price target stands at 94.88, with estimates ranging from a low of 80.00 to a high of 111.00.

Lowest Target
80.00
15.29%
Consensus Target
94.88
36.73%
Highest Target
111.00
59.97%

The consensus 1-year price target stands at 94.88, with estimates ranging from a low of 80.00 to a high of 111.00.

Analyst Consensus Analysis

Upside Potential

+36.7%

Substantial upside potential. Analysts see significant value gap, suggesting the stock may be materially undervalued at current levels.

Analyst Agreement

32.7% spread

Good consensus alignment. Moderate target spread reflects general agreement on value drivers with some variance in assumptions.

Analyst Conviction

High

Positive outlook with reasonable agreement. Analysts generally optimistic about prospects with manageable uncertainty.

Market Sentiment Insight

Monitor and evaluate: Current analyst consensus suggests limited conviction or near-term catalysts. Stay informed on company developments and reassess positioning as new information emerges.

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TransUnion Insider Positioning

TRU ยท NYSE

During the last 12 months, insiders have sold $4.04M worth of TRU shares, with no buying activity reported.

3 Months

Bought

0

0.00

Sold

23.7K

1.73M

Net Activity

-1.7M

-$1.73M

3-6 Months

Bought

0

0.00

Sold

14.0K

1.14M

Net Activity

-1.1M

-$1.14M

6-9 Months

Bought

0

0.00

Sold

3.0K

247.70K

Net Activity

-248K

-$248K

9-12 Months

Bought

0

0.00

Sold

10.3K

923.79K

Net Activity

-924K

-$924K

Top Buyers

No buying activity

Top Sellers

1
CSM

Chaouki Steven M

Officer: President, Us Markets

22.0K sharesโ€ข10 transactions

$1.69M

2
RHJ

Russell Heather J

Officer: Evp, Chief Legal Officer

18.1K sharesโ€ข4 transactions

$1.43M

3
CT

Chambers Tiffani

Officer: Evp, Chief Operations Officer

4.3K sharesโ€ข1 transactions

$371K

4
WJA

Williams Jennifer A.

Officer: Svp, Chief Accounting Officer

3.7K sharesโ€ข4 transactions

$313K

5
STC

Skinner Todd C.

Officer: President, International

3.0K sharesโ€ข6 transactions

$232K

Insider Activity Analysis

Net Insider Sentiment

Bearish

Strong bearish signal with $4.04M net selling. Heavy insider selling may indicate concerns about valuation or near-term prospects.

Buy/Sell Ratio

0.00:1

Very poor ratio. Heavy selling with minimal buying suggests insiders may be concerned about valuation or outlook.

Recent Trend (3 Months)

$1.73M

Heavy recent selling activity. Recent insider sales notably exceed purchasesโ€”may warrant investigation into company developments.

Insider Participation

High Selling

5 insider sellers vs. 0 buyers. Widespread selling across multiple insiders may signal concerns.

Insider Activity Insight

Multiple red flags: Heavy selling, numerous sellers, and continued recent selling create a concerning pattern. Investigate fundamental drivers and consider whether company guidance or industry conditions have deteriorated.

0.58%
Dividend Yield
338%
3Y+239.0%
5Y+567.0%
10Y-
ย 

tru Dividend History

TRU
10Y CAGR +5%
Latest $0.125
Annual $0.48
5 year growth trend
Last Period: +0%