TransUnion logo

TransUnion

TRU

NYSEFinancial ServicesFinancial - Data & Stock Exchanges

Previous close

$84.61

−$0.50 · -0.59%

Aug 21, 4:00 PM ET

TRU company overview

Historical prices · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

82

Deep Value

Momentum

48

Neutral

Sentiment

67

Bullish

Risk resilience

52

Elevated Risk

Full GoAI research

Thesis, catalysts, evidence, and risk analysis.

View full GoAI research

AI-generated, informational only, and not investment advice.

Company profile

Company website

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.

Industry
Financial - Data & Stock Exchanges
Sector
Financial Services
Headquarters
US
CEO
Christopher A. Cartwright
Listed since
Jun 25, 2015
Employees
13,500

Market position

Day range

Current $84.61

52-week range

Current $84.61

Open
$85.445
Previous close
$85.11
Volume
1.42M
0.61× average
Average volume
2.32M
Average daily volume
Market cap
16.21B USD
Beta
1.53
Market reference 1
50-day average
$76.0576
+11.24% above average
200-day average
$76.4203
+10.72% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
20.97B USD
P/E (TTM)
22.09×
P/B (TTM)
3.36×
P/S (TTM)
3.31×
EV / EBITDA
14.43×
Earnings yield
2.73%
Free cash flow yield
3.97%
Dividend yield
0.58%

Profitability & efficiency

Gross margin
55.76%
Operating margin
22.05%
Net margin
17.32%
Return on equity
10.26%
Return on assets
4.10%
Return on invested capital
6.16%

Financial health

Debt / equity
1.17×
Current ratio
1.75×
Altman Z-score
2.56
Piotroski F-score
7 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends73%44%16%-12%Gross margin, FY2021: 65.47%Gross margin, FY2022: 62.66%Gross margin, FY2023: 60.40%Gross margin, FY2024: 60.01%Gross margin, FY2025: 59.09%Operating margin, FY2021: 22.02%Operating margin, FY2022: 16.88%Operating margin, FY2023: 3.35%Operating margin, FY2024: 15.94%Operating margin, FY2025: 18.74%Net margin, FY2021: 46.97%Net margin, FY2022: 7.18%Net margin, FY2023: -5.38%Net margin, FY2024: 6.80%Net margin, FY2025: 9.95%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 65.47%. Gross margin FY2022 62.66%. Gross margin FY2023 60.40%. Gross margin FY2024 60.01%. Gross margin FY2025 59.09%. Operating margin FY2021 22.02%. Operating margin FY2022 16.88%. Operating margin FY2023 3.35%. Operating margin FY2024 15.94%. Operating margin FY2025 18.74%. Net margin FY2021 46.97%. Net margin FY2022 7.18%. Net margin FY2023 -5.38%. Net margin FY2024 6.80%. Net margin FY2025 9.95%.

Income trends

Revenue

4.58B USD+9.38%

Operating income

857.8M USD+28.66%

Net income

455.4M USD+60.13%
Income trends across reported periods5.05B USD3.14B USD1.23B USD−684.45M USDRevenue, FY2021: 2.96B USDRevenue, FY2022: 3.71B USDRevenue, FY2023: 3.83B USDRevenue, FY2024: 4.18B USDRevenue, FY2025: 4.58B USDOperating income, FY2021: 651.9M USDOperating income, FY2022: 626.3M USDOperating income, FY2023: 128.5M USDOperating income, FY2024: 666.7M USDOperating income, FY2025: 857.8M USDNet income, FY2021: 1.39B USDNet income, FY2022: 266.3M USDNet income, FY2023: −206.2M USDNet income, FY2024: 284.4M USDNet income, FY2025: 455.4M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 2.96B USD. Revenue FY2022 3.71B USD. Revenue FY2023 3.83B USD. Revenue FY2024 4.18B USD. Revenue FY2025 4.58B USD. Operating income FY2021 651.9M USD. Operating income FY2022 626.3M USD. Operating income FY2023 128.5M USD. Operating income FY2024 666.7M USD. Operating income FY2025 857.8M USD. Net income FY2021 1.39B USD. Net income FY2022 266.3M USD. Net income FY2023 −206.2M USD. Net income FY2024 284.4M USD. Net income FY2025 455.4M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue4.58B USD4.18B USD3.83B USD3.71B USD2.96B USD
Cost of goods sold1.87B USD1.67B USD1.52B USD1.39B USD1.02B USD
Gross profit2.7B USD2.51B USD2.31B USD2.32B USD1.94B USD
Selling, general, and administrative1.26B USD1.24B USD1.17B USD1.15B USD909M USD
Operating expenses1.85B USD1.84B USD2.19B USD1.7B USD1.29B USD
Interest income33.2M USD28.5M USD20.7M USD4.7M USD3.4M USD
Interest expense235.8M USD265.2M USD288.2M USD230.9M USD132.2M USD
Depreciation and amortization574.8M USD537.8M USD524.4M USD519M USD377M USD
Operating income857.8M USD666.7M USD128.5M USD626.3M USD651.9M USD
Net income455.4M USD284.4M USD−206.2M USD266.3M USD1.39B USD

Company facts updated Aug 24, 2026.

Earnings

Latest fiscal-year EPS
2.32
FY2025 · +60.00% year over year
Latest fiscal-year revenue
4.58B USD
FY2025 · +9.38% year over year

Annual EPS trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual EPS trend8.024.711.41-1.9FY21FY22FY23FY24FY25

Annual revenue trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual revenue trend4.74B4.09B3.45B2.8BFY21FY22FY23FY24FY25

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$94.90

12.16% upside
Past 12 months12-month forecastHigh $115Average $94.90Low $77.00

Rating distribution

27 ratings
Strong buy00%
Buy1970%
Hold830%
Sell00%
Strong sell00%

Recent analyst actions

12 institutions
MizuhomaintainNeutral

ETFs holding TRU

Funds reporting this stock among their holdings, ordered by reported position size.

Continue in GoAI

Research TRU

research.disclaimer