TRU Financial Services

TransUnion

$78.55-0.86%

Price as of close on Nov 3, 2026 · Financials updated Sep 30, 2026

Basics

Sector: Financial Services
Industry: Financial Data & Stock Exchanges
Country: United States
Market cap: 15.1B USD
Enterprise value: 18.9B USD
Full-time employees: 13,000

Overall health

Drawback: higher risk than most peers: its share price swings more than most peers’ (beta 1.54 vs a peer median of 0.70)higher risk: bigger price swings (beta 1.54 vs peers 0.70)
About average: profitability and valuation

Ranks #130 of 232 financial services companies (bottom 45%)

See how it ranks against its peers

Worth knowing

Stock pay outran buybacks. Stock-based pay expense $367M vs $302M spent repurchasing shares over the 3 fiscal years to 2025. Shares outstanding changed −0.6% from December 2022 to June 2026.
Over three fiscal years TransUnion recorded $367M of stock-based pay expense and spent $302M repurchasing shares (repurchases can include shares withheld to cover employees' taxes). Repurchases were smaller than the stock pay, so they did little to offset new employee shares.Over three fiscal years TransUnion recorded $367M of stock-based pay expense and spent $302M repurchasing shares. Repurchases were smaller than the stock pay, so they did little to offset new employee shares.
Annual revenue rose 5 years in a row. Fiscal-year revenue rose from $2.5B in 2020 to $4.6B in 2025.
TransUnion's fiscal-year revenue rose in each of the five years to 2025, from $2.5B to $4.6B.
Profit is backed by cash. Free cash flow is 107% of reported profit.
TransUnion's free cash flow is 107% of its reported profit, so its earnings are turning into cash it can reinvest, pay out or use to reduce debt.
More volatile share price. Beta 1.54: tends to move more than the market.
TransUnion's shares have swung more with the market than most peers' (beta 1.54, above the market's 1.0).

StockQuotient Score

49/ 100▼ 1 since Oct 27 close

Oct 5 52 → Nov 4 49 (-3)

Valuation

Is the price right?

46/100

Moderate▼ 1 since Oct 27 close

3/3 inputs reported · High confidence

Since last quarter: No major changeValuation also moves with the share price every day.

Why it changed since the Oct 27, 2026 close: Score 47 → 46

Share price +4.2%-3
Company's reported figures updated+2

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Close to the peer norm on every measure.

Compare with peers

Behind the score

Sector-normalized EBITDA, earnings, and free cash flow yields.

Earnings yield4.9%

SEC filings · 12 months to Jun 2026Reported value30% base weight · Z-score -0.22Sector median: 0.0571 · MAD: 0.0371

EBITDA yield7.7%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score 0.19Sector median: 0.0689 · MAD: 0.0428

Free cash flow yield5.2%

SEC filings · 12 months to Jun 2026 · operating cash flow − capital spendingReported value20% base weight · Z-score -0.15Sector median: 0.0613 · MAD: 0.0605

Other data (not scored)

Book yield32.2%

SEC filings · latest balance sheetReported valueInformational · 0% composite weightSector median: 0.8352 · MAD: 0.4517

Growth

Is it growing?

75/100

Moderate▼ 1 since Oct 27 close

3/3 inputs reported · High confidence

Since last quarter: ▲ Stronger

12-month revenue up 3.6%

Why it changed since the Oct 27, 2026 close: Score 76 → 75

Peer companies moved-1

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Stronger than most peers on:

▲ EPS growth
▲ Revenue growth

Compare with peers

Behind the score

Revenue and earnings-per-share growth over one year, and revenue growth over three years.

Earnings per share growth91.5%

SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score 2.94Sector median: 0.0999 · MAD: 0.2773

3-year revenue growth9.3%

SEC filings · 3 years to Jun 2026Reported value33% base weight · Z-score -0.08Sector median: 0.0999 · MAD: 0.0858

Revenue growth12.4%

SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score 0.34Sector median: 0.0742 · MAD: 0.1477

Profitability

Does it earn well?

57/100

Moderate

3/3 inputs reported · High confidence

Since last quarter: No major change

Why

Helped by:

▲ ROA

Compare with peers

Behind the score

Return on invested capital, operating margin, and return on assets.

Operating margin18.7%

SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score -0.33Sector median: 0.2353 · MAD: 0.1462

Return on assets6.1%

SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score 1.50Sector median: 0.0256 · MAD: 0.0233

Return on invested capital7.5%

SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score 0.24Sector median: 0.0630 · MAD: 0.0518

Other data (not scored)

Gross margin58.7%

Yahoo Finance fallback · SEC figure unavailable or out of date · trailing 12 monthsReported valueInformational · 0% composite weightSector median: 0.7878 · MAD: 0.2122

Return on equity15.2%

SEC filings · 12 months to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.0939 · MAD: 0.0702

Risk

Debt, liquidity, price swings

Higher

Higher relative risk

3/3 inputs reported · High confidence

Since last quarter: No major change

Why

Weaker than most peers on:

▼ Beta
▼ Debt / equity

Compare with peers

Behind the score

Relative to sector peers: 0 = lower relative risk · 1 = moderate · 2 = higher. Based on leverage, beta and liquidity.

Beta1.54

Yahoo Finance · 5-year monthly beta vs the marketReported value33% base weight · Z-score -2.68Sector median: 0.7010 · MAD: 0.3115

Current ratio1.90×

SEC filings · latest balance sheetReported value33% base weight · Z-score -0.10Sector median: 2.0250 · MAD: 1.2470

Debt / equity1.15×

SEC filings · latest balance sheetReported value33% base weight · Z-score -1.06Sector median: 0.5734 · MAD: 0.5454

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about TransUnion

Is TransUnion getting weaker?: Its latest SEC filing (Jul 28, 2026) showed no major changes. Its overall score is 49/100, down 1 since Oct 28, 2026.
How is TransUnion valued vs its peers?: Priced about in line with its peers. Valuation scores 46/100 against 432 financial services peers.
Is TransUnion growing?: Yes, faster than most of its peers. Growth scores 75/100 against 432 financial services peers. Earnings per share growth 91.5% vs a peer median of 10.0% (stronger than 85% of peers).Earnings per share growth 91.5% vs peers 10.0% (stronger than 85% of peers).
How profitable is TransUnion?: About as profitable as its peers. Profitability scores 57/100 against 432 financial services peers. Return on assets 6.1% vs a peer median of 2.6% (stronger than 77% of peers).Return on assets 6.1% vs peers 2.6% (stronger than 77% of peers).
How risky is TransUnion?: Higher risk relative to 432 financial services peers, judged on debt, liquidity and share-price swings. Beta 1.54 vs a peer median of 0.70 (weaker than 94% of peers).Beta 1.54 vs peers 0.70 (weaker than 94% of peers). A relative measure, not a bankruptcy probability.

Latest filing: what changed

Quarter ended Jun 30, 2026 · filed Jul 28, 2026 · compared with the quarter ended Mar 31, 2026

No major changes

	Previous quarter	Latest quarter	Change
Revenue (12 months)	4.7B USD	4.9B USD	+3.6%
Net income (12 months)	704.4M USD	738.2M USD	+4.8%
Operating margin	17.9%	18.7%	+0.7 pts
Free cash flow (12 months)	696.5M USD	787.9M USD	+13.1%
Debt	5.6B USD	5.6B USD	−0.4%
Cash	732.5M USD	839.1M USD	+14.6%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Industry valuation context

Sector: Financial Services · 98 companies

Valuations in Financial Services are above their usual range since 2016.

67% of months since 2016 were valued lower than now.
32% of companies are in the most expensive fifth of their own price-to-sales history.
Over 24 months, company values +7% and earnings +21% (medians): prices and earnings moved broadly together.
Median price-to-sales is +30% vs the whole market, against a usual +47%.

2016Shaded: most expensive fifth of its range2026

Shown for Financial Services: too few Financial Data & Stock Exchanges companies have a long enough history of their own.

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	Change
Operating margin	22.0%	16.9%	3.4%	15.9%	18.7%	▲ 2.8 pts
Net margin	47.0%	7.2%	-5.4%	6.8%	10.0%	▲ 3.2 pts
Return on assets (ROA)	11.0%	2.3%	-1.9%	2.6%	4.1%	▲ 1.5 pts
Return on equity (ROE)	35.6%	6.4%	-5.1%	6.7%	10.3%	▲ 3.5 pts
Free cash flow margin	19.7%	-0.0%	8.7%	12.4%	14.5%	▲ 2.1 pts
Current ratio	1.94×	1.60×	1.47×	1.70×	1.75×	▲ 2.7%
Debt to equity	1.63×	1.36×	1.33×	1.22×	1.15×	▼ 5.8%
Interest coverage	5.79×	2.71×	0.45×	2.51×	3.64×	▲ 45%

TRU price history

Price history is added with the daily price update and will appear after the next one.

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Bringing the fundamentals into focus…

Overall health

Drawback: higher risk than most peers: its share price swings more than most peers’ (beta 1.54 vs a peer median of 0.70)higher risk: bigger price swings (beta 1.54 vs peers 0.70)

About average: profitability and valuation

Ranks #130 of 232 financial services companies (bottom 45%)

See how it ranks against its peers

Worth knowing

Stock pay outran buybacks. Stock-based pay expense $367M vs $302M spent repurchasing shares over the 3 fiscal years to 2025. Shares outstanding changed −0.6% from December 2022 to June 2026.

Over three fiscal years TransUnion recorded $367M of stock-based pay expense and spent $302M repurchasing shares (repurchases can include shares withheld to cover employees' taxes). Repurchases were smaller than the stock pay, so they did little to offset new employee shares.Over three fiscal years TransUnion recorded $367M of stock-based pay expense and spent $302M repurchasing shares. Repurchases were smaller than the stock pay, so they did little to offset new employee shares.

Annual revenue rose 5 years in a row. Fiscal-year revenue rose from $2.5B in 2020 to $4.6B in 2025.

TransUnion's fiscal-year revenue rose in each of the five years to 2025, from $2.5B to $4.6B.

Profit is backed by cash. Free cash flow is 107% of reported profit.

TransUnion's free cash flow is 107% of its reported profit, so its earnings are turning into cash it can reinvest, pay out or use to reduce debt.

More volatile share price. Beta 1.54: tends to move more than the market.

TransUnion's shares have swung more with the market than most peers' (beta 1.54, above the market's 1.0).

Questions investors ask about TransUnion

Is TransUnion getting weaker?

Its latest SEC filing (Jul 28, 2026) showed no major changes. Its overall score is 49/100, down 1 since Oct 28, 2026.

How is TransUnion valued vs its peers?

Priced about in line with its peers. Valuation scores 46/100 against 432 financial services peers.

Is TransUnion growing?

Yes, faster than most of its peers. Growth scores 75/100 against 432 financial services peers. Earnings per share growth 91.5% vs a peer median of 10.0% (stronger than 85% of peers).Earnings per share growth 91.5% vs peers 10.0% (stronger than 85% of peers).

How profitable is TransUnion?

About as profitable as its peers. Profitability scores 57/100 against 432 financial services peers. Return on assets 6.1% vs a peer median of 2.6% (stronger than 77% of peers).Return on assets 6.1% vs peers 2.6% (stronger than 77% of peers).

How risky is TransUnion?

Higher risk relative to 432 financial services peers, judged on debt, liquidity and share-price swings. Beta 1.54 vs a peer median of 0.70 (weaker than 94% of peers).Beta 1.54 vs peers 0.70 (weaker than 94% of peers). A relative measure, not a bankruptcy probability.

Previous quarter

Latest quarter

Change

Revenue (12 months)

4.7B USD

4.9B USD

+3.6%

Net income (12 months)

704.4M USD

738.2M USD

+4.8%

Operating margin

17.9%

18.7%

+0.7 pts

Free cash flow (12 months)

696.5M USD

787.9M USD

+13.1%

Debt

5.6B USD

5.6B USD

−0.4%

Cash

732.5M USD

839.1M USD

+14.6%

Key ratios

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Change

Operating margin

22.0%

16.9%

3.4%

15.9%

18.7%

▲ 2.8 pts

Net margin

47.0%

7.2%

-5.4%

6.8%

10.0%

▲ 3.2 pts

Return on assets (ROA)

11.0%

2.3%

-1.9%

2.6%

4.1%

▲ 1.5 pts

Return on equity (ROE)

35.6%

6.4%

-5.1%

6.7%

10.3%

▲ 3.5 pts

Free cash flow margin

19.7%

-0.0%

8.7%

12.4%

14.5%

▲ 2.1 pts

Current ratio

1.94×

1.60×

1.47×

1.70×

1.75×

▲ 2.7%

Debt to equity

1.63×

1.36×

1.33×

1.22×

1.15×

▼ 5.8%

Interest coverage

5.79×

2.71×

0.45×

2.51×

3.64×

▲ 45%