Friday 6 November 2026 Export TRU’s income statement to Excel — free account

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

81.20 1.71 −2.06%

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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 Segments Valuation Filings

TransUnion (TRU) valuation and DCF model

What the price implies · reverse DCF

At $81.20 the price implies 27.7% a year of dividend growth, at a 9.0% cost of equity.

The dividend a share grew 9.0% a year over the last five years. The price asks for about three times its five-year rate. Return on equity averaged 14.0% over ten years; the price implies 22.7% for good.

In December 2018 the price assumed 47.1% a year; TransUnion went on to grow the dividend a share 7.2% a year to FY2025.

Price implies: 27.7%
Last 5 years, reported: 9.0%

The headline discounts the last twelve months’ the dividend a share at 9.0% for ten years and grows it 2.5% a year after that, the same for every company, so the figure compares across the market (how a reverse DCF works).

The other way round · DCF

The price needs: 27.7% a year for ten years; $81.20; today’s price
Its base case: 9.0% a year for five years, then 5.4%; $17.94; 77.9% below today’s price

Both are growth in the dividend a share, discounted at 9.0%, with 2.5% a year after year ten.

Base case on its own ten-year record TransUnion’s own growth, carried forward

Its assumptions

Powerpack lets you start from a scenario and type over any of them.

1 · Dividends

Dividend a share, last twelve months ($)the four quarters to September 2026, from the 10-Q and 10-K filings

Growth, yrs 1–5 (%)

Growth, yrs 6–10 (%)

Yearly growth in the dividend. It usually slows as the company matures.

Today’s price implies the dividend a share growing 27.7% a year for ten years.

2 · Rates

Cost of equity (%)

Terminal growth (%)

Cost of equity is the yearly return shareholders require, typically 8–11%. Terminal growth is growth forever after year 10, usually near long-run inflation, 2–3%.

3 · Per share

Current price ($)

The model is a share’s own: no debt to take off and no shares to divide among.

Advanced inputs

Value per share Expected return

Use the analysts’ consensus for years 1–3 (32.5%, 10.2%, 11.4%)

How the model ends

Margin of safety (%)

Against TransUnion’s own cost of capital: risk-free 4.3% + beta 1.56 × equity premium 4.5% = 11.3% cost of equity; weighted, 11.3%.

Use 11.3%

Base case value per share $17.94 ten years discounted, and what follows

Current price $81.20 market price per share

Below today’s price 77.9% downside at the base case’s assumptions

How we got there$7.48 10 years of dividends+$10.46 terminal value=$17.94 per share

Valuation against its own history

Today’s multiple against its 5- and 10-year averages and the industry median (Financial Data & Stock Exchanges).

Multiple	Current	5Y avg	10Y avg	vs 10Y avg	Industry median	vs industry
P/E	19.88×	35.62×	38.69×	49% below	24.85×	20% below
P/FCF	17.40×	30.96×	29.39×	41% below	20.23×	14% below
P/B	3.17×	3.36×	4.73×	33% below	4.56×	31% below
EV/EBITDA	—	18.04×	18.64×	—	3.38×	—
EV/Sales	—	5.61×	6.16×	—	3.90×	—

P/E P/FCF P/B EV/EBITDA EV/Sales

TRU trades at 17.40× P/FCF, against a 10-year average of 29.39× (range 17.40×–38.86×). That is cheaper than 100% of the last 9 year-end readings; re-rating to the average implies $137.15 per share.

Every growth rate on this page is the business’s — its cash flow, FFO or dividend — never its share price’s. A discounted-cash-flow model is only as good as its assumptions. Figures from the 10-K and 10-Q filings. Not investment advice.