TRU Stock - TransUnion
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Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $4.18B | $3.83B | $3.71B | $2.96B | $2.53B |
| Gross Profit | $2.51B | $2.31B | $2.32B | $1.94B | $1.68B |
| Gross Margin | 60.0% | 60.4% | 62.7% | 65.5% | 66.3% |
| Operating Income | $666.70M | $128.50M | $626.30M | $651.90M | $500.30M |
| Net Income | $284.40M | $-206,200,000 | $266.30M | $1.39B | $343.20M |
| Net Margin | 6.8% | -5.4% | 7.2% | 47.0% | 13.6% |
| EPS | $1.46 | $-1.07 | $1.40 | $7.25 | $1.81 |
TransUnion provides risk and information solutions. The company operates in three segments: U.S. Markets, International, and Consumer Interactive. The U.S. Markets segment provides consumer reports, actionable insights, and analytics to businesses. These businesses use its services to acquire new customers; assess consumer ability to pay for services; identify cross-selling opportunities; measure and manage debt portfolio risk; collect debt; verify consumer identities; and mitigate fraud risk. This segment serves various industry vertical markets, including financial services, insurance, tenant and employment, collections and services, technology, commerce and communication, public sector, media, and other markets. The International segment offers credit reports, analytics, technology solutions, and other value-added risk management services; and consumer services, which help consumers to manage their personal finances and consumer 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 Consumer Interactive segment provides credit reports and scores, credit monitoring, identity protection and resolution, and financial management solutions that enable consumers to manage their personal finances and take precautions against identity theft. This segment offers its products through online and mobile interfaces, as well as through direct and indirect channels. The company serves customers in approximately 30 countries and territories, including North America, Latin America, Europe, Africa, India, and the Asia Pacific. 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.
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Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| October 13th 2025 | Oppenheimer | Resumed | Outperform | $93 |
| October 1st 2025 | Seaport Research Partners | Initiation | Neutral | - |
| September 3rd 2025 | Needham | Upgrade | Buy | - |
| July 10th 2025 | BMO Capital Markets | Initiation | Outperform | $115 |
| April 10th 2025 | BofA Securities | Resumed | Underperform | $84 |
| October 10th 2024 | Wolfe Research | Upgrade | Outperform | $130 |
| October 1st 2024 | UBS | Initiation | Neutral | $110 |
| August 28th 2024 | Needham | Downgrade | Hold | - |
| August 13th 2024 | Wells Fargo | Initiation | Overweight | $100 |
| July 9th 2024 | Wolfe Research | Initiation | Peer Perform | - |
| June 20th 2024 | BofA Securities | Upgrade | Buy | $92 |
| April 1st 2024 | BofA Securities | Upgrade | Neutral | $90← $65 |
| December 19th 2023 | Oppenheimer | Initiation | Outperform | $81 |
| October 25th 2023 | Evercore ISI | Downgrade | In-line | - |
| October 25th 2023 | BofA Securities | Downgrade | Underperform | $44← $95 |
Earnings History & Surprises
TRUEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 22, 2026 | — | — | — | — |
Q1 2026 | Feb 12, 2026 | $1.02 | — | — | — |
Q4 2025 | Oct 23, 2025 | $1.04 | $1.10 | +5.8% | ✓ BEAT |
Q3 2025 | Jul 24, 2025 | $0.99 | $1.08 | +9.0% | ✓ BEAT |
Q2 2025 | Apr 24, 2025 | $0.98 | $1.05 | +7.4% | ✓ BEAT |
Q1 2025 | Feb 13, 2025 | $0.97 | $0.97 | 0.0% | = MET |
Q4 2024 | Oct 23, 2024 | $1.02 | $1.04 | +2.0% | ✓ BEAT |
Q3 2024 | Jul 25, 2024 | $0.97 | $0.99 | +2.1% | ✓ BEAT |
Q2 2024 | Apr 25, 2024 | $0.81 | $0.92 | +13.4% | ✓ BEAT |
Q1 2024 | Feb 13, 2024 | $0.71 | $0.80 | +12.7% | ✓ BEAT |
Q4 2023 | Oct 24, 2023 | $0.95 | $0.91 | -4.2% | ✗ MISS |
Q3 2023 | Jul 25, 2023 | $0.83 | $0.86 | +3.6% | ✓ BEAT |
Q2 2023 | Apr 25, 2023 | $0.74 | $0.80 | +8.1% | ✓ BEAT |
Q1 2023 | Feb 14, 2023 | $0.83 | $0.78 | -6.0% | ✗ MISS |
Q4 2022 | Oct 25, 2022 | $0.92 | $0.93 | +1.1% | ✓ BEAT |
Q3 2022 | Jul 26, 2022 | $0.98 | $0.98 | 0.0% | = MET |
Q2 2022 | Apr 26, 2022 | $0.93 | $0.93 | 0.0% | = MET |
Q1 2022 | Feb 22, 2022 | $0.90 | $0.81 | -10.0% | ✗ MISS |
Q4 2021 | Oct 26, 2021 | $0.93 | $1.01 | +8.6% | ✓ BEAT |
Q3 2021 | Jul 27, 2021 | $0.92 | $0.96 | +4.3% | ✓ BEAT |
Latest News
Morgan Stanley Maintains Overweight on TransUnion, Lowers Price Target to $120
➖ NeutralGoldman Sachs Maintains Neutral on TransUnion, Raises Price Target to $86
➖ NeutralJP Morgan Maintains Overweight on TransUnion, Lowers Price Target to $107
➖ NeutralBMO Capital Maintains Outperform on TransUnion, Raises Price Target to $105
📈 PositiveNeedham Reiterates Buy on TransUnion, Maintains $115 Price Target
📈 PositiveTransUnion Sees Q4 GAAP EPS $0.42-$0.47 vs $0.51 Est
📉 NegativeTransUnion Raises FY2025 GAAP EPS Guidance from $2.07-$2.18 to $2.21-$2.26 vs $2.29 Est
➖ NeutralTransUnion Sees Q4 Adj EPS $0.97-$1.02 vs $0.99 Est; Sees Sales $1.119B-$1.139B vs $1.108B Est
📈 PositiveTransUnion Raises FY2025 Adj EPS Guidance from $4.03-$4.14 to $4.19-$4.25 vs $4.18 Est; Raises FY2025 Sales Guidance from $4.432B-$4.472B to $4.524B-$4.544B vs $4.476B Est
📈 PositiveTransUnion Q3 Adj. EPS $1.10 Beats $1.04 Estimate, Sales $1.170B Beat $1.132B Estimate
📈 PositiveTransUnion Unveils New Mortgage Credit Offerings With $4 VantageScore 4.0, Trended Data, And TruIQ Platform To Lower Borrowing Costs
📈 PositiveThe Canadian Secure Token Governance Authority Announced Today An Agreement With Transunion To Provide Support For Canadian Telecommunications Service Providers To Participate In The STIR/SHAKEN Call Authentication Ecosystem
📈 PositiveOppenheimer Assumes TransUnion at Outperform, Lowers Price Target of $93
📈 PositiveTransUnion Says "Disappointed" To See FICO More Than Doubling Its Pricing At Expense Of Consumers; Says FICO's Unilateral Price Increases "Create Unnecessary Complication In Mortgage Process And Additional Cost Burdens On Consumers"; Combination Of Trended Credit Information & VantageScore 4.0 Score Will Drive Greater Financial Inclusion, Access To Affordable Housing
📉 NegativeGoldman Sachs Maintains Neutral on TransUnion, Lowers Price Target to $83
➖ NeutralShares of credit bureau stocks are trading lower after FICO launched its Mortgage Direct License Program, which allows tri-merge resellers to calculate and distribute FICO scores directly to customers, bypassing credit bureau channels.
📉 NegativeFICO's plan to directly sell scores sends stock in TransUnion sharply lower
📉 NegativeSeaport Global Initiates Coverage On TransUnion with Neutral Rating
➖ NeutralMoneyHero To Scale Insurance And Wealth Verticals To 30% Of Revenue; Launching Credit Hero Club With TransUnion In Hong Kong Q4, Expansion Ahead
📈 PositiveNutanix And TransUnion Will Replace Acadia Healthcare Company And ManPowerGroup In The S&P MidCap 400, Respectively. Acadia Healthcare And ManPowerGroup Will Replace TechTarget And Mesa Laboratories In The S&P SmallCap 600, Respectively
➖ NeutralFrequently Asked Questions about TRU
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