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TransUnion

TRU Financial Financial Data & Stock Exchanges

TransUnion’s revenue for fiscal 2025 (year ended December 2025) was $4.6 billion, up 9.38% from fiscal 2024.

Revenue
+12.2%
EPS
+68.0%
Free cash flow
+50.8%
Total debt
+6.20%

Quarter to September 2026, against a year earlier

80.74 2.17 −2.62%
Market cap
$15.8B
P/E
19.9×
Fwd P/E
17.7×
Dividend yield
0.59%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Earnings & Analysis
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios
Segments Valuation Filings

Revenue by segment Fiscal 2025

  • U.S. Markets
  • International

Every year since 2021 →

Insider Decisions last twelve months

Sold, $m 9.52
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell 2 2 1 4 3 3 2 4 4 4 4 2
Insider Ownership 1.04%

Capital & Financial Ratios $m

Size
Market Cap 15,810.00
Revenue ttm 5,039.20
Net income ttm 812.20
Free cash flow ttm 910.10
Net debt Q 4,464.80
Valuation
P/E 19.88
Forward P/E 17.70
Price / sales 3.14
Forward P/S Powerpack
Price / FCF 17.40
Price / book 3.17
Financial health
Current ratio Q 2.03
Debt / equity Q 1.07
Interest coverage Q 4.02
Growth
Revenue growth Q +12.23% (above 0%: growing)
Operating income growth Q +28.65% (above 0%: growing)
EPS, this year +13.12%
EPS, next year A +9.97%
Revenue, next year A +12.67% (at or above 10%: strong)
EPS, past 5 yrs +5.32%
EPS, next 5 yrs A +13.03%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 13.93%
10-year low 10-year high
P/S against its own 10 years 10.74%
10-year low 10-year high
P/B against its own 10 years 15.55%
10-year low 10-year high

Dividends raised 2 years running

Yield
0.59%
Annual rate
0.49
Payout ratio
11.9%
Growth, 2018–26
+10.8%/yr
  1. 0.23 ’18
  2. 0.30 ’19 +33
  3. 0.30 ’20 +0
  4. 0.36 ’21 +20
  5. 0.40 ’22 +11
  6. 0.42 ’23 +5
  7. 0.42 ’24 +0
  8. 0.46 ’25 +10
  9. 0.51 ’26 +11
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 476 680 854 883
Receivables 723 799 905 1,020
Inventory — — — —
Other 276 323 258 293
1,475 1,802 2,016 2,196
2023 2024 2025 Q'26
Payables 251 295 350 409
ST’ Debt — — — —
Other 662 694 608 563
1,003 1,060 1,154 1,081

Compound Annual Growth %

10y 5y 3y
Sales 11.75% 12.58% 7.25%
Cash Flow 12.32% 4.63% 49.23%
Earnings 54.44% 5.82% 19.58%
Book Value 12.77% 11.51% 2.11%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 1.21 Actual 1.25

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 1.03 1.07 Beat by 0.04
Q1 FY26 1.11 1.18 Beat by 0.07
Q2 FY26 1.14 1.23 Beat by 0.09
Q3 FY26 1.21 1.25 Beat by 0.04
Q4 FY26 1.20 — Reports 11 February 2027

EPS $

Mar Jun Sep Dec Year
’26 2.04 0.74 0.83 — —
’25 0.75 0.56 0.49 0.52 2.32
’24 0.33 0.44 0.35 0.34 1.45
’23 0.27 0.28 (1.65) 0.03 (1.07)
’22 0.25 0.49 0.41 0.24 1.40
’21 0.66 0.66 0.59 5.27 7.19
’20 0.37 0.36 0.53 0.53 1.79
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 1,246 1,310 1,313 — —
’25 1,096 1,140 1,170 1,171 4,576
’24 1,021 1,041 1,085 1,037 4,184
’23 940 968 969 954 3,831
’22 921 948 938 902 3,710
’21 699 728 743 790 2,960
’20 688 634 696 513 2,531
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 84 375 430 — —
’25 53 291 324 320 988
’24 54 295 229 254 833
’23 77 215 151 202 645
’22 11 (126) 191 222 297
’21 145 236 280 148 808
’20 126 254 179 229 788
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 19 306 363 — —
’25 (16) 214 240 223 662
’24 (8) 227 161 137 517
’23 11 138 81 104 335
’22 (47) (189) 119 116 (1)
’21 104 183 224 73 584
’20 84 208 135 156 582
Fiscal quarters ending in the months shown.

Valuation

The price implies the dividend a share growing 28.0% a year for ten years.

Implied
28.0%
Open the model

Target Price Range

Analyst price targets

Recommendation Rating

1.6
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 1,705 1,934 2,317 2,463 2,531 2,960 3,710 3,831 4,184 4,576 5,039 +11.6% 5,156 5,462 5,893 +8.8%
Gross margin, % 66.03 66.61 65.90 67.30 66.26 65.47 62.66 60.40 60.01 59.09 58.82 (6.9) pt
EBT 205 373 344 375 390 506 383 (145) 401 643 981 +13.5%
EBT margin, % 12.05 19.26 14.82 15.20 15.39 17.08 10.33 (3.79) 9.59 14.05 19.47 +2.0 pt
Net income 131 452 288 352 356 374 282 (191) 302 470 812 +15.2%
Per share, $
Per share, $ Revenue 9.34 10.60 12.55 13.12 13.33 15.47 19.27 19.81 21.52 23.54 26.37 +10.8%
Earnings 0.66 2.42 1.50 1.85 1.81 7.25 1.40 (1.07) 1.46 2.34 4.17 +15.1%
Cash flow 2.14 2.55 3.01 4.14 4.15 4.22 1.54 3.34 4.28 5.08 6.32 +10.1%
Capex (0.68) (0.74) (0.98) (1.00) (1.08) (1.17) (1.55) (1.61) (1.62) (1.68) (1.56) +10.6%
Free cash flow 1.46 1.81 2.03 3.13 3.06 3.05 (0.01) 1.73 2.66 3.40 4.76 +9.9%
Book value 8.07 10.00 10.74 12.46 13.88 20.93 22.18 21.23 22.22 23.38 26.17 +12.6%
Shares, m 183 182 185 188 190 191 193 193 194 194 193 +0.7%
Valuation, ×
Valuation, × P/E 46.91 22.67 37.87 46.28 55.12 16.36 42.15 0.00 63.07 36.65 19.88 36.7
P/S 3.32 5.17 4.53 6.53 7.45 7.67 3.06 3.36 4.31 3.64 3.14 4.9
P/B 3.84 5.48 5.29 6.87 7.15 5.67 2.66 3.14 4.17 3.67 3.17 4.8
EV/Sales 4.57 6.33 6.16 7.88 8.59 9.16 4.40 4.61 5.36 4.53 — 6.2
EV/FCF 29.32 37.02 38.00 32.97 37.37 46.40 (16,329.62) 52.73 43.39 31.32 — (1,598.1)
Cash, $m
Cash, $m Operating cash flow 390 466 556 777 788 808 297 645 833 988 1,208 +10.9%
Capex (124) (135) (180) (188) (206) (224) (298) (311) (316) (326) (298) +11.3%
Free cash flow 266 331 376 589 582 584 (1) 335 517 662 910 +10.7%
Balance, $m
Balance, $m Working capital 177 130 293 317 800 1,275 545 472 742 862 1,115 +19.3%
Net debt 2,143 2,230 3,789 3,324 2,906 4,409 4,970 4,775 4,397 4,053 4,465 +7.3%
Shareholders’ equity 1,473 1,825 1,982 2,339 2,636 4,006 4,269 4,106 4,319 4,545 5,001 +13.3%
Returns, %
Returns, % ROA 2.61 8.91 4.55 4.90 4.76 13.94 2.19 (1.81) 2.57 4.12 6.88 +1.5 pt
ROIC 5.19 7.16 5.55 5.98 5.64 4.84 4.24 0.91 4.78 6.24 6.43 +1.0 pt
ROE 8.49 26.76 14.53 16.05 13.80 41.86 6.44 (4.92) 6.75 10.28 16.66 +1.8 pt
People
People Employees 4,700 5,100 7,100 8,000 8,200 10,200 12,200 13,200 13,400 13,500 — +12.4%
Revenue/emp, $m 0.36 0.38 0.33 0.31 0.31 0.29 0.30 0.29 0.31 0.34 — (0.7%)
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

Business profile

Updated

TransUnion collects and analyzes information about consumers and sells services that help businesses make decisions. Lenders use its credit information to assess whether applicants can repay, while insurers use its data to evaluate risk. Other customers use its services to verify identities, detect fraud, reach potential customers and measure marketing campaigns.

The company combines information from financial institutions, private databases, public records and other sources. Its OneTru platform brings together data management, identity matching and AI-powered analytics. TransUnion uses those capabilities to create credit reports, scores and other tools that customers can incorporate into their own systems and workflows.

Where the money comes from and where it goes Fiscal 2025

Fiscal 2025: revenue by segment, and margins
U.S. Markets 3,579 78.20%
International 1,011 22.09%
Gross margin 59.09%
Operating margin 18.74%
Pre-tax margin 14.05%

Revenue by segment since 2021

TransUnion vs peers in Financial Data & Stock Exchanges (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
ICE Intercontinental Exchange Inc. $97.2B 23.6× 22.7× +14.68% (above 0%: growing) +19.17% (above 0%: growing) +25.47% (above 0%: growing) 98.66% 50.99% Compare
MCO Moody's Corporation $88.8B 31.3× 30.3× +0.80% (above 0%: growing) +17.73% (above 0%: growing) +1.52% (above 0%: growing) 74.10% 44.78% Compare
NDAQ Nasdaq, Inc. $59.3B 28.9× 29.4× +20.92% (above 0%: growing) +31.08% (above 0%: growing) +201.97% (above 0%: growing) 61.89% 30.59% Compare
MSCI MSCI Inc $46.9B 34.8× 31.4× +12.43% (above 0%: growing) +14.32% (above 0%: growing) −8.93% (below 0%: shrinking) 82.94% 56.29% Compare
CBOE Cboe Global Markets, Inc. $36.8B 25.0× — +19.02% (above 0%: growing) +42.66% (above 0%: growing) +471.74% (above 0%: growing) 52.41% 39.32% Compare
COIN Coinbase Global, Inc. $36.2B — (loss-making) — (loss-making) −34.95% (below 0%: shrinking) +64.85% (above 0%: growing) −45.48% (below 0%: shrinking) 84.00% 5.07% Compare
TRU TransUnion $15.8B 19.9× 17.7× +12.23% (above 0%: growing) +67.98% (above 0%: growing) +50.83% (above 0%: growing) 59.26% 20.36%
FDS FactSet Research Systems Inc. $12.0B 23.2× 18.9× +6.33% (above 0%: growing) −15.97% (below 0%: shrinking) −0.46% (below 0%: shrinking) 48.59% 24.68% Compare
MORN Morningstar, Inc. $9.2B 21.5× 19.7× +8.86% (above 0%: growing) +41.66% (above 0%: growing) −2.94% (below 0%: shrinking) 64.19% 24.91% Compare
Median of peers $41.9B 25.0× 26.0× +10.64% +25.13% +0.53% 69.15% 34.96%

All 14 Financial Data & Stock Exchanges stocks →

From the latest earnings call

Updated

  • CEO Christopher Cartwright said improving lending volumes and new business helped India and Latin America each grow 18% organically in constant currency in the third quarter.
  • CFO Todd Cello said TransUnion raised its full-year adjusted EPS outlook, while expecting mortgage inquiries to decline more than 20% in the fourth quarter.

Largest institutional holders 13F, quarter to 30 June 2026

Held by institutions 111.02%
Held by the ten largest 64.90%
Holder Shares Stake Change
Dodge & Cox 24.20m 12.63% +8.01m
BlackRock 18.96m 9.89% +140.25k
Vanguard 18.73m 9.78% +78.84k
Independent Franchise Partners LLP 13.98m 7.29% +1.84m
Fidelity (FMR) 11.72m 6.11% +2.12m
MFS Investment Management 9.66m 5.04% −2.00m
State Street 7.12m 3.71% +176.63k
T. Rowe Price 7.03m 3.67% −456.74k
Wellington Management 6.60m 3.45% −4.35m
Morgan Stanley 6.35m 3.32% −577.41k
13F filings for the quarter to 30 June 2026: long positions in US-listed shares reported by managers with $100m or more, ~45 days after the quarter.

Pay and ownership Proxy statement filed 24 March 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 16.73m 14.88m 88.60
2024 15.38m 31.62m 95.29
2023 18.56m 17.96m 70.28
2022 10.47m (8.42m) 57.68
2021 11.77m 24.73m 119.92
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Read the proxy statement

TransUnion (TRU) Latest News

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TRU metrics, ten years each

stockrow.com/TRU · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com