
TransUnion
NYSE•TRU
CEO: Mr. Christopher A. Cartwright
Sector: Industrials
Industry: Consulting Services
Listing Date: 2015-06-25
TransUnion operates as a global consumer credit reporting agency that provides risk and information solutions. The company operates through U.S. Markets, International, and Consumer Interactive segments. The U.S. Markets segment provides consumer reports, actionable insights, and analytic services to businesses, which uses 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, technology, commerce and communications, insurance, media, services and collections, tenant and employment, and public sectors. The International segment offers credit reports, analytics, technology solutions, and other value-added risk management services; consumer services, which help consumers to manage their personal finances; consumer credit reporting, insurance and auto information solutions, and commercial credit information services. It serves customers in financial services, retail credit, insurance, automotive, collections, public sector, and communications industries through direct and indirect channels. 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.
Contact Information
Market Cap
$16.95B
P/E (TTM)
40.3
34.8
Dividend Yield
0.5%
52W High
$101.19
52W Low
$66.38
52W Range
Rank53Top 63.7%
3.2
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 3.2 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2015-2024
Financial Dashboard
Q3 2025 Data
Revenue
$1.17B+7.79%
4-Quarter Trend
EPS
$0.50+42.86%
4-Quarter Trend
FCF
$240.40M+49.04%
4-Quarter Trend
2025 Q3 Earnings Highlights
Key Highlights
Nine Month Revenue Growth Nine months revenue reached $3.41B USD, increasing 8.2% over prior year period due to segment growth.
Operating Income Surges Operating income for nine months totaled $654.2M USD, showing strong 31.9% growth compared to 2024.
Net Income Substantial Increase Net income attributable to TransUnion was $354.2M USD, marking a substantial 62.4% increase year-to-date.
Strong Operating Cash Flow Cash provided by operating activities totaled $668.1M USD for nine months, an increase of $89.6M.
Risk Factors
Transformation Cost Incurrence Incurred $147.2M pre-tax expenses related to optimization plan through September 30, 2025.
Elevated Effective Tax Rate Effective tax rate 27.0% for nine months, higher than statutory rate due to OBBBA cumulative impact.
Macroeconomic Uncertainty Pressure Market uncertainty regarding tariffs and potential recession continues to suppress consumer sentiment globally.
Legal Accrual Balance Accrued $58.7M USD for legal and regulatory matters as of September 30, 2025, recorded in SG&A.
Outlook
Share Repurchase Availability $348.9M remains available under the expanded $1.0B common stock repurchase authorization as of period end.
Transformation Savings Expected Transformation plan is expected to generate annual savings of $120.0M to $140.0M upon full completion.
Debt Covenant Compliance Maintained Company remains in compliance with all senior secured net leverage ratio debt covenants as of September 30, 2025.
Monevo Acquisition Finalization Preliminary purchase price allocation for Monevo acquisition finalized; analysis expected within one year.
Peer Comparison
Revenue (TTM)
CHRW$16.50B
RTO$14.70B
BAH$11.71B
Gross Margin (Latest Quarter)
BAH53.6%
ULS50.3%
TRU46.5%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| CHRW | $19.13B | 32.5 | 33.8% | 28.7% |
| WWD | $18.19B | 41.1 | 18.5% | 5.3% |
| TRU | $16.95B | 40.3 | 9.6% | 46.6% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
4.1%
Moderate Growth
4Q Net Income CAGR
13.4%
Profitability Improving
Cash Flow Stability
100%
Strong Cash Flow
Research & Insights
Next earnings:Feb 12, 2026
EPS:$1.02
|Revenue:-
Reports
All Years
Form 10-Q - Q3 2025
Period End: Sep 30, 2025|Filed: Oct 23, 2025|Revenue: $1.17B+7.8%|EPS: $0.50+42.9%MissForm 10-Q - Q2 2025
Period End: Jun 30, 2025|Filed: Jul 24, 2025|Revenue: $1.14B+9.5%|EPS: $0.56+27.3%MissForm 10-Q - Q1 2025
Period End: Mar 31, 2025|Filed: Apr 24, 2025|Revenue: $1.10B+7.3%|EPS: $0.76+123.5%MissForm 10-K - FY 2024
Period End: Dec 31, 2024|Filed: Feb 13, 2025|Revenue: $4.18B+9.2%|EPS: $1.46+236.4%BeatForm 10-Q - Q3 2024
Period End: Sep 30, 2024|Filed: Oct 23, 2024|Revenue: $1.09B+12.0%|EPS: $0.35-121.2%MissForm 10-Q - Q2 2024
Period End: Jun 30, 2024|Filed: Jul 25, 2024|Revenue: $1.04B+7.5%|EPS: $0.44+57.1%MissForm 10-Q - Q1 2024
Period End: Mar 31, 2024|Filed: Apr 25, 2024|Revenue: $1.02B+8.6%|EPS: $0.34+25.9%MissForm 10-K - FY 2023
Period End: Dec 31, 2023|Filed: Feb 28, 2024|Revenue: $3.83B+3.3%|EPS: $-1.07-176.4%Miss