TransUnion TRU R3KFINANCIAL
Company Overview
TransUnion operates as a global consumer credit reporting agency that provides risk and information solutions. The company operates in two segments, U.S. Markets and International. The U.S. Markets segment provides credit reporting, credit marketing, analytics and consulting, identity verification, and authentication and debt recovery solutions for financial services industry; and onboarding and transaction processing products, scoring and analytic products, marketing solutions, fraud and identity management solutions, and customer retention solutions, as well select market-specific solutions for insurance, technology, retail and e-commerce, telecommunications, media, tenant and employment screening, collections, and public sectors. It also offers credit reports, scores, and freezes credit monitoring, identity protection and resolution, and financial management for consumers, as well as helps businesses respond to data breach events through its own websites, as well as channels. The International segment offers credit reports, analytics, technology solutions, and other value-added risk management services; consumer services, which helps consumers to manage their personal finances; credit bureaus; and consumer and business credit reporting, insurance and auto information solutions, and commercial credit information services. This segment 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.
Why Investors Should Care
Generates a return on equity of 15.6%, reflecting efficient use of shareholder capital.
Revenue has grown at a 11.6% CAGR over the past five years.
Maintains a net profit margin of 15.1%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $4.58B (+9.4% YoY); net profit $455.40M.
- Trailing 12 Months Year-on-year growth — revenue +14.9%, earnings +32.1%.
- 5-Year Trend Long-term compounding — revenue CAGR 11.6%, profit CAGR 5.8%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 11.60% |
| 1 Year: | 14.90% |
Compounded Profit Growth
| 5 Years: | 5.82% |
| 1 Year: | 32.10% |
Stock Price Performance
| 1 Year: | -15.78% |
| 6 Months: | +2.44% |
| 3 Months: | +13.02% |
| 1 Month: | -2.82% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMAAbove
- RSI (14)40.77 · Neutral
P/E of 20.49 is above the sector median of 12.89 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Compounding revenue at 11.6% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | TRU TransUnion R3KFINANCIAL | 77.65 | 20.49 | $14.88B | 0.68% | 8.68% | 15.63% | 11.60% | 5.82% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 353.51 | 15.15 | $939.70B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 505.83 | 12.72 | $712.23B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 368.64 | 31.35 | $628.20B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 570.89 | 31.44 | $496.37B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.39 | 14.41 | $436.28B | 2.04% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 757,791.00 | 12.71 | $370.14B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 106.26 | 15.18 | $363.70B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 216.24 | 17.48 | $339.62B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | 455.00M | 474.80M | 498.00M | 506.10M | 537.40M | 563.10M | 603.60M | 613.10M | 619.30M | 661.90M | 689.30M | 685.60M | 639.60M | 587.10M | 650.50M | 653.30M | 698.90M | 728.20M | 743.40M | 789.80M | 921.30M | 948.30M | 938.20M | 902.10M | 940.30M | 968.00M | 968.70M | 954.30M | 1.02B | 1.04B | 1.08B | - | 1.10B | 1.14B | 1.17B | 1.17B | 1.25B | 1.31B |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 469.90M | 480.30M | 476.10M | 519.50M | 544.60M |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 669.80M | 689.20M | 695.20M | 726.20M | 765.00M |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 477.70M | 476.40M | 489.90M | 481.40M | 507.00M |
| Operating Income | 95.80M | 89.30M | 101.10M | 115.50M | 126.60M | 121.50M | 125.20M | 134.40M | 122.10M | 130.70M | 122.10M | 159.70M | 171.30M | 154.70M | 120.60M | 106.00M | 144.90M | 128.80M | 163.60M | 200.40M | 169.70M | 114.00M | 134.40M | 178.90M | 169.50M | 143.50M | 145.20M | 158.40M | -236.30M | 61.30M | 157.20M | 182.40M | 156.40M | - | 254.40M | 192.10M | 212.80M | 205.30M | 244.80M | 258.00M |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 355.20M | 358.20M | 351.40M | 642.40M | 428.00M |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 55.70M | 62.50M | 61.50M | 62.00M | 65.90M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 156.80M | 150.10M | 142.30M | 428.10M | 201.50M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 44.40M | 50.00M | 37.70M | 27.60M | 54.80M |
| Net Income | 41.20M | 49.50M | 62.30M | 64.90M | 68.80M | 245.10M | 73.10M | 55.00M | 46.30M | 102.10M | 70.90M | 101.50M | 91.70M | 82.90M | 70.20M | 68.50M | 102.80M | 101.70M | 127.90M | 127.60M | 114.20M | 1.02B | 47.90M | 92.80M | 79.20M | 46.40M | 52.60M | 53.90M | -318.80M | 6.10M | 65.10M | 85.00M | 68.00M | - | 148.10M | 109.60M | 96.60M | 101.20M | 397.10M | 143.40M |
| Diluted EPS | 0.22 | 0.27 | 0.33 | 0.34 | 0.36 | 1.29 | 0.38 | 0.29 | 0.24 | 0.53 | 0.37 | 0.53 | 0.48 | 0.43 | 0.37 | 0.36 | 0.53 | 0.53 | 0.66 | 0.66 | 0.59 | 5.27 | 0.25 | 0.48 | 0.41 | 0.24 | 0.27 | 0.28 | -1.65 | 0.03 | 0.33 | 0.44 | 0.35 | - | 0.75 | 0.56 | 0.49 | 0.52 | 2.04 | 0.74 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | 1.70B | 1.93B | 2.32B | 2.46B | 2.53B | 2.96B | 3.71B | 3.83B | 4.18B | 4.58B |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | 1.39B | 1.52B | 1.67B | 1.87B |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | 2.32B | 2.31B | 2.51B | 2.70B |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | 1.70B | 1.70B | 1.78B | 1.84B |
| Operating Income | 141.20M | 169.20M | 128.40M | 197.10M | 300.50M | 464.70M | 512.50M | 541.70M | 500.30M | 651.90M | 626.40M | 617.90M | 733.40M | 864.60M |
| EBITDA | - | - | - | - | - | - | - | - | - | - | 1.13B | 667.30M | 1.20B | 1.45B |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | 230.90M | 288.20M | 265.20M | 235.80M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | 383.00M | -145.30M | 401.10M | 643.00M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | 118.90M | 44.70M | 98.80M | 173.10M |
| Net Income | -8.80M | -35.10M | -12.50M | 5.90M | 120.60M | 441.20M | 276.60M | 346.90M | 343.20M | 1.39B | 266.30M | -206.20M | 284.40M | 455.40M |
| Diluted EPS | - | -0.24 | -0.09 | 0.04 | 0.65 | 2.32 | 1.45 | 1.81 | 1.79 | 7.20 | 1.40 | -1.07 | 1.45 | 2.32 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Feb 2012 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | 4.38B | 4.49B | 4.67B | 4.44B | 4.78B | 5.12B | 7.04B | 7.11B | 7.31B | - | 11.67B | 11.11B | 10.98B | 11.11B |
| Current Assets | - | - | - | - | - | - | - | - | - | - | - | 1.45B | 1.48B | 1.80B | 2.02B |
| Cash & Equivalents | 0 | 154.30M | 111.20M | 77.90M | 133.20M | 182.20M | 115.80M | 186.70M | 273.60M | 492.70M | - | 585.30M | 476.20M | 679.50M | 853.60M |
| Inventory | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | - | - | - | - | - | - | 602.20M | 723.00M | 798.90M | 905.00M |
| Total Liabilities | - | 3.57B | 3.76B | 3.89B | 3.07B | 3.31B | 3.29B | 5.06B | 4.77B | 4.68B | - | 7.40B | 7.00B | 6.67B | 6.57B |
| Current Liabilities | - | 218.30M | 247.60M | 329.90M | 296.00M | 373.30M | 458.40M | 548.50M | 571.40M | 669.80M | - | 905.50M | 1.00B | 1.06B | 1.15B |
| Long Term Debt | - | 2.67B | 2.85B | 2.87B | 2.16B | 2.33B | 2.35B | 3.98B | 3.60B | 3.40B | - | 5.56B | 5.25B | 5.08B | 4.91B |
| Total Debt | - | - | - | - | - | - | - | - | - | - | - | 5.81B | 5.45B | 5.21B | 5.16B |
| Total Equity | - | 702.80M | 627.90M | 587.10M | 1.23B | 1.36B | 1.73B | 1.89B | 2.25B | 2.54B | - | 4.17B | 4.01B | 4.22B | 4.44B |
| Shares Outstanding | - | - | - | - | - | - | - | - | - | - | - | 198.70M | 200.00M | 201.50M | 199.40M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 47.00M | 143.40M | 154.30M | 309.10M | 389.90M | 465.80M | 555.70M | 776.90M | 787.60M | - | 297.20M | 645.40M | 832.50M | 987.60M |
| Investing Cash Flow | -1.55B | -367.00M | -276.00M | -197.10M | -495.80M | -480.80M | -2.02B | -203.90M | -267.20M | - | -723.90M | -318.90M | -307.40M | -331.70M |
| Financing Cash Flow | 1.66B | 187.30M | 91.90M | -51.30M | 153.80M | -51.70M | 1.54B | -486.70M | -296.90M | - | -820.50M | -438.80M | -308.70M | -494.60M |
| Capital Expenditure | -48.80M | -81.70M | -155.20M | -132.20M | -124.00M | -135.30M | -180.10M | -188.40M | -205.60M | - | -298.20M | -310.70M | -315.80M | -326.00M |
| Free Cash Flow | -1.80M | 61.70M | -900.00K | 176.90M | 265.90M | 330.50M | 375.60M | 588.50M | 582.00M | - | -1.00M | 334.70M | 516.70M | 661.60M |
| Net Change in Cash | - | - | - | - | - | - | - | - | - | - | -1.25B | -112.30M | 216.40M | 161.30M |
| Share Buybacks | 700.00K | 3.40M | 200.00K | 300.00K | 700.00K | 133.50M | 0 | 0 | - | - | - | 0 | 0 | 302.00M |
| Dividends Paid | 373.80M | 0 | - | - | - | - | - | - | - | - | - | - | - | - |
Ratios (Annual)
Figures in %.
| Metric | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | 62.7% | 60.4% | 60.0% | 59.1% |
| Operating Margin % | - | - | - | - | 17.6% | 24.0% | 22.1% | 22.0% | 19.8% | 22.0% | 16.9% | 16.1% | 17.5% | 18.9% |
| Net Margin % | - | - | - | - | 7.1% | 22.8% | 11.9% | 14.1% | 13.6% | 47.0% | 7.2% | -5.4% | 6.8% | 10.0% |
| ROE % | -1.3% | -5.6% | -2.1% | 0.5% | 8.8% | 25.5% | 14.6% | 15.4% | 13.5% | - | 6.4% | -5.1% | 6.7% | 10.3% |
| ROCE % | 3.4% | 4.0% | 3.0% | 4.8% | 6.8% | 10.0% | 7.9% | 8.3% | 7.5% | - | 5.8% | 6.1% | 7.4% | 8.7% |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Dodge & Cox Inc. | 12.63% | 24.20M | $1.75B |
| 2 | Blackrock Inc. | 9.89% | 18.96M | $1.37B |
| 3 | Independent Franchise Partners, LLP | 7.29% | 13.98M | $1.01B |
| 4 | FMR, LLC | 6.11% | 11.72M | $848.58M |
| 5 | Massachusetts Financial Services Co. | 5.57% | 10.67M | $772.68M |
| 6 | Vanguard Capital Management LLC | 4.55% | 8.72M | $631.40M |
| 7 | Vanguard Portfolio Management LLC | 4.28% | 8.21M | $594.56M |
| 8 | State Street Corporation | 3.71% | 7.12M | $515.49M |
| 9 | T. Rowe Price Investment Management, Inc. | 3.57% | 6.84M | $495.16M |
| 10 | Wellington Management Group, LLP | 3.45% | 6.60M | $478.28M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for TRU
TransUnion (TRU) Stock Looks Reasonable Despite A 27% Five Year Decline - finance.yahoo.com
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TRU — Frequently Asked Questions
What is the current share price of TransUnion (TRU)?
As of 2026-09-19 21:16 PDT, TransUnion (TRU) trades at $77.65 on NYSE. Its 52-week range is $64.33 to $93.11.
What is the market capitalisation of TRU?
TransUnion (TRU) has a market capitalisation of $14.88B on NYSE.
What is the P/E ratio of TRU?
TRU trades at a trailing price-to-earnings (P/E) ratio of 20.49. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 2.87.
Does TRU pay a dividend?
TransUnion (TRU) currently offers a dividend yield of 0.68%.
What is the return on equity (ROE) of TRU?
TRU has a return on equity (ROE) of 15.63%. Its return on capital employed (ROCE) is 8.68%.
Is TRU a good stock to buy?
This page provides a data-driven analysis of TransUnion (TRU), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.