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
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TransUnion 10-Q filed Oct 27, 2026
What changed
Part I, Item 2, Management’s Discussion and Analysis, against the 10-Q filed Jul 28, 2026: 9 added · 4 removed · 33 modified; 34 with only figures updated
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Modified · Macroeconomic and Industry Trends
In February 2026, the United States and Israel launched coordinated military strikes against Iran, which retaliated with missile attacks across the region.Although we do not have material operations in the Middle East, the ongoing conflict with Iran has had, andis likely tomay continue to have, an unpredictable impact on global energy prices, inflation, consumer spending, market volatility,andoverall macroeconomicbroader economic conditions.The ongoing uncertainty aboutInflation in theconflict will continue to impact these effects in an unpredictable wayU.S.These factors form part of the broader macroeconomic environment in which inflationhas remained above the U.S. Federal Reserve’s (the “Fed”) long-term target, prompting the Fed tomaintainraise the federal funds rateduring the first six months of 2026 after cutting ratesby7525 basis points inthe last four months of 2025. TheSeptember 2026. This marked the first federal funds rateremains elevated, relative to levels during the first half ofincrease following six rate cuts between September 2024 and December 2025and to historical norms over the past 15 years, and is expected tototaling 175 basis points. The federal funds rate may remain elevatedgiven macroeconomic concerns arising from conflict in the Middle Eastor even increase due to elevated inflation or other factors.Higher interest rates have slowed demand for consumer and auto loans, and have had aThe 10-year Treasury rate is at its highest level since 2002. Higher rates morepronouncedsignificantly impacton the housing sectormortgage rates,where higher borrowing rates impact homewhich affect housing affordability,driving down purchase activity,home purchases anddemand formortgageloanrefinancing activity.However,We expect 30-year mortgage ratesare not directly tiedtothe federal funds rate but instead are tied toremain elevated and constrain housing activity for the10-year Treasury rateforeseeable future.During the first two months of the year, the 10-year treasury rate declined modestly, before rising over the remainder of the six-month period, reflecting general macroeconomic concerns stemming from the ongoing conflict in the Middle East. As a result, 30-year mortgageHigher ratesremained elevated at June 30, 2026, which continues to suppress activity in the housing sectorcan also reduce demand for consumer and auto loans.