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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
555 West Adams, Chicago, IL, 60661, United States
312-985-2000
www.transunion.com
Market Cap
$14.48B
P/E (TTM)
32.5
30.8
Dividend Yield
0.6%
52W High
$99.39
52W Low
$65.24
52W Range
27%
Rank48Top 64.4%
3.3
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 3.3 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$1.17B+0.00%
4-Quarter Trend

EPS

$0.52+0.00%
4-Quarter Trend

FCF

$222.80M+0.00%
4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Total Revenue Growth Total revenue reached $4,576.3M USD, showing strong 9.4% growth versus prior year results for 2025.
Operating Income Surge Operating income surged 28.7% to $857.8M USD, driven by revenue gains and cost management realization.
Net Income Improvement Net income attributable to TransUnion climbed 60.2% to $455.4M USD compared directly to 2024 figures.
OneTru Platform Modernization OneTru platform migration substantially completed for U.S. credit business, enabling faster innovation deployment.

Risk Factors

U.S. Market Concentration Revenues concentrated in U.S. financial services; downturns severely impact demand and overall revenue streams.
Cybersecurity Incident Exposure Cybersecurity incidents, including breaches, pose material risk to business, regulatory standing, and reputation integrity.
Competition and Pricing Facing significant competition across markets, leading to downward pricing pressure and potential market share loss.
Regulatory Scrutiny Impact Ongoing regulatory oversight, especially CFPB actions, may increase operating costs, fines, and require process changes.

Outlook

OneTru Platform Evolution Continue refining OneTru capabilities in 2026, focusing on embedded AI and modular components for scalability.
International Expansion Focus Expect international expansion success, pending Mexico acquisition closing in Q1 2026, leveraging global operating model.
Strategic Vertical Penetration Focus on penetrating existing verticals further while leveraging AI/ML advances for new product development.
Share Repurchase Availability $700.1M USD remains available under the 2025 Repurchase Plan for potential future stock buybacks.

Peer Comparison

Revenue (TTM)

LUV stock ticker logoLUV
$28.06B
+2.1%
CHRW stock ticker logoCHRW
$16.23B
-8.4%
RTO stock ticker logoRTO
$14.85B
+25.7%

Gross Margin (Latest Quarter)

TRU stock ticker logoTRU
59.3%
-12.2pp
BAH stock ticker logoBAH
51.9%
-3.3pp
ULS stock ticker logoULS
48.9%
+1.3pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
FTAI$27.84B56.6257.0%78.9%
MTZ$23.68B58.113.1%27.6%
WWD$23.15B47.119.6%19.2%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
2.3%
Moderate Growth
4Q Net Income CAGR
-11.9%
Declining Profitability
Cash Flow Stability
100%
Strong Cash Flow

Deep Research

Next earnings:Apr 22, 2026
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LTM
No Data