TransUnion (TRU)
OvervaluedFundamental
69
Price
$81.48
Market Cap
$15.12B
Part 1 · What the company is worth
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.
No editorial profile for this company yet
Direct competitors
Who this company fights with for the same customers
No editorial profile for this company yet
No competitor list for this company yet.
Balance Sheet & Liquidity
Revenue
$4.73B
Trailing 12 months (through 3/31/2026)
Net Income
$704M
Trailing 12 months (through 3/31/2026)
Free Cash Flow
$662M
Total Equity
$4.44B
Total Liabilities
$6.57B
Current Ratio
1.93
Interest Coverage
3.51
Debt/EBITDA
3.97
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
How heavy the debt is
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$60.02
Current Price
$81.48
Margin of Safety
-35.8%
Fair Value Range
$39.01 - $81.03
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
22.57
ROE
10.3%
P/B Ratio
3.30
P/FCF
22.55
Gross Margin
-
ROIC
6.1%
Profitability Radar
Value Creation (Economic Moat)
ROIC
6.1%
WACC
10.6%
ROIC − WACC
-4.5 pp
ROIC is below the cost of capital — the company is destroying value for every dollar invested.
Fundamental Analysis Criteria
Passed (18)
- EPS shows upward trend
- Price CAGR 8.03%
- ROIC 6.1%
- P/FCF 22.55
- Debt/equity ratio
- Operating margin 17.9%
- Positive free cash flow
- Current ratio
- Interest coverage
- Debt/EBITDA
- Return on tangible assets
- ROE 16.0%
- Revenue growth 5Y 12.6%
- Earnings surprise, average 5.4%
- Earnings quality (operating cash flow / net income) 1.45
- Share dilution 0.1%
- Net margin trend 14.9% vs 8.6%
- Piotroski F-Score 8/9
Failed (6)
- P/B ratio 3.30
- CapEx intensity
- Low reliance on intangibles
- Price below Graham Number
- DCF valuation (Overvalued)
- PEG ratio 3.81
Unavailable (2)
- Gross margin –
- Dividend payout –
Piotroski F-Score
Strong financial health
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Share count is stable
Institutional Holdings
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. Christopher A. Cartwright | President, CEO & Director | 60 |
| Mr. Todd M. Cello CPA | Executive VP & CFO | 49 |
| Ms. Tiffani L. Chambers | Executive VP & COO | 47 |
| Ms. Alicia B. Zuiker | Executive VP & Chief Human Resources Officer | 43 |
| Mr. Mohamed F. Abdelsadek | Executive VP & Chief Global Solutions Officer | 49 |
| Ms. Jennifer A. Williams | Senior VP & Chief Accounting Officer | 51 |
| Mr. Venkat Achanta | Executive VP and Chief Technology, Data & Analytics Officer | 52 |
| Mr. Gregory R. Bardi C.F.A. | Vice President of Investor Relations | - |
| Ms. Heather J. Russell J.D. | Executive VP & Chief Legal Officer | 53 |
| Mr. Clayton F. Ruebensaal III | Executive VP & Chief Marketing and Communications Officer | - |
Audit Risk
1
Board Risk
1
Compensation Risk
4
Shareholder Rights Risk
1
Documents
- View document
Annual Report (10-K)
A yearly overview of the business, its financial results, and the risks it faces.
Filed on 2026-02-27
- View document
Quarterly Report (10-Q)
A snapshot of financial performance for the most recent three-month period.
Filed on 2026-07-28
- View document
Current Report (8-K)
An announcement of a major event, such as a leadership change or big news.
Filed on 2026-09-23
via SEC EDGAR
Income History
via SEC EDGAR
Part 2 · The price and its context
This part shows how the price has behaved, not whether the company is worth owning. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Market Reaction Profile
How much TRU moves, measured on its daily prices.
More volatile than 68% of the tracked stocks (90-day volatility).
- Volatility 30d
- 52.9%
- Volatility 90d
- 45.5%
- Beta vs S&P 500 (1y)
- 0.88Correlation 0.27
- Max drawdown (12m)
- -30.5%
- ATR (14d, % of price)
- 3.98%
Earnings reactions
How TRU moved around its past quarterly results.
Next earnings release
Oct 27, 2026 · In 3 days · Before the open
EPS estimate: 1.21Revenue estimate: $1.3B
What usually happens
- Over the last 12 releases the stock moved a median of 5.4% the next day, up or down.
- Next-day moves: up 9, down 3 (out of 12).
- Of the 4 releases that beat estimates, the stock fell the next day after 2.
Release history
| Date | When | EPS est. | EPS actual | Surprise | Gap | 1 day | 5 days |
|---|---|---|---|---|---|---|---|
| Jul 28, 2026 | Before the open | 1.15 | 1.23 | +6.5% | -0.4% | +8.5% | +3.5% |
| Apr 28, 2026 | Before the open | 1.11 | 1.18 | +6.5% | -0.3% | -1.6% | -3.0% |
| Feb 12, 2026 | Before the open | 1.03 | 1.07 | +3.9% | +0.5% | -1.4% | +6.0% |
| Oct 23, 2025 | Before the open | 1.05 | 1.10 | +4.5% | +4.9% | +3.5% | -0.3% |
| Jul 24, 2025 | Before the open | n/a | n/a | n/a | +4.5% | +4.1% | +2.1% |
| Apr 24, 2025 | Before the open | n/a | n/a | n/a | -0.2% | +6.7% | +7.4% |
| Feb 13, 2025 | Before the open | n/a | n/a | n/a | +1.7% | +7.3% | +1.1% |
| Oct 23, 2024 | Before the open | n/a | n/a | n/a | +3.9% | +2.7% | -3.4% |
| Jul 25, 2024 | Before the open | n/a | n/a | n/a | +2.0% | +8.0% | +16.3% |
| Apr 25, 2024 | Before the open | n/a | n/a | n/a | +11.2% | +8.2% | +8.6% |
| Feb 13, 2024 | Before the open | n/a | n/a | n/a | +4.1% | +4.1% | +5.7% |
| Oct 24, 2023 | Before the open | n/a | n/a | n/a | -14.4% | -23.3% | -33.2% |
Release dates from SEC 8-K filings.
Updated 10/24/2026
Historical statistics for educational purposes only. They are not forecasts and not investment advice.
Price reaction to the news
Latest news on TRU and what the price did next.
Return of the stock minus return of SPY over the same days. A news item close to a price move did not necessarily cause it. Historical data for educational purposes only, not investment advice.
Latest News
Recent headlines for TRU.