Upside case
Bull case
$147+127.9%
TRU would need investors to value it at roughly 31x earnings — about 17x more generous than today's 14x forward P/E. That requires meaningful multiple expansion on top of continued earnings growth.
Analysis OverviewBuyUpdated Jun 18, 2026
TransUnion (TRU) Stock Analysis
Wall Street verdict, consensus price target, and analyst rating breakdown — everything needed to frame the risk/reward at today's price.
Analyst consensus
Buy
Covering
26
analysts
19 bullish · 0 bearish · 26 covering TRU
Strong Buy
0
Buy
19
Hold
7
Sell
0
Strong Sell
0
Consensus Target
$92
+42.9% vs today
Scenario Range
$70 – $147
Model bear to bull value window
Coverage
26
Published analyst ratings
Valuation Context
13.5x
Forward P/E · Market cap $12.5B
TRU price targets
Three scenarios for where TRU stock could go
Current
~$65
Confidence
58 / 100
Updated
Jun 18, 2026
Where we are now
Current · $65
Bear
$70
Base
$112
Bull
$147
Market caseClosest to today
Base case
$112+72.9%
At 23x on FY1 earnings, the base case reflects a reasonable but not stretched valuation. It prices in continued growth without assuming an exceptional setup.
Stress case
Bear case
$70+8.9%
The bear case assumes sentiment or fundamentals disappoint enough to push TRU down roughly 9% from the current price.
Not financial advice. Model confidence reflects internal scenario assumptions, not a guarantee of returns. Past performance does not predict future results.
TransUnion
TRU · NYSEIndustrialsConsulting ServicesDecember year-end
TransUnion is a global information and insights company that provides credit reporting, risk assessment, and identity verification services. It generates revenue primarily through subscription-based data services to businesses—roughly 70% from its U.S. Markets segment and 30% from International operations—alongside direct-to-consumer offerings for credit monitoring. Its competitive moat lies in its massive proprietary database of consumer credit information and the regulatory barriers to entry in the credit reporting industry.
Market Cap
$12.5B
Revenue TTM
$4.7B
Net Income TTM
$705M
Net Margin
14.9%
TRU Revenue and Earnings Performance
Quarterly beat-or-miss track record against analyst estimates, plus forward revenue and EPS outlook for the next two fiscal years.
EPS Beat Rate
83%Exceptional
12 quarters tracked
Revenue Beat Rate
92%Exceptional
vs consensus estimates
Avg EPS Surprise
+5.2%
above Street consensus
Beat / Miss Record
BeatMissLeft = EPS · Right = Revenue
Q3 2025
Q4 2025
Q1 2026
Q2 2026
Last 4 Quarters
EPS beats: 4 of 4Q3 2025
EPS
$1.08/$0.99
Revenue
$1.1B/$1.1B
Q4 2025
EPS
$1.10/$1.04
Revenue
$1.2B/$1.1B
Q1 2026
EPS
$1.07/$1.03
Revenue
$1.2B/$1.1B
Q2 2026
EPS
$1.18/$1.11
Revenue
$1.2B/$1.2B
| Quarter | EPS (Actual / Est) | EPS Surprise | Revenue (Actual / Est) | Rev Surprise |
|---|---|---|---|---|
| Q3 2025 | $1.08/$0.99 | +9.0% | $1.1B/$1.1B | +3.9% |
| Q4 2025 | $1.10/$1.04 | +5.8% | $1.2B/$1.1B | +3.2% |
| Q1 2026 | $1.07/$1.03 | +3.9% | $1.2B/$1.1B | +3.5% |
| Q2 2026 | $1.18/$1.11 | +6.3% | $1.2B/$1.2B | +3.0% |
FY1–FY2 Estimates
Revenue Outlook
FY1
$5.2B
+9.2% YoY
FY2
$5.5B
+7.4% YoY
EPS Outlook
FY1
$3.79
+4.7% YoY
FY2
$3.92
+3.4% YoY
Trailing FCF (TTM)$697M
FCF Margin: 14.7%
Next Earnings
July 23, 2026
Expected EPS
$1.18
Expected Revenue
$1.3B
TRU beat EPS estimates in 4 of 4 tracked quarters. A perfect track record raises the bar for the upcoming report.
TRU Revenue Breakdown by Segment
Product and geographic revenue mix from the latest annual disclosure, with year-over-year growth by segment.
Latest disclosure
FY 2025
Total disclosed revenue $4.6B
Product Mix
Latest annual revenue by segment or product family
U.S. Markets
78.0%
+10.5% YoY
Tap, hover, or focus a slice to inspect segment detail.
Geographic Mix
Latest annual revenue by reported region
U.S. Markets
78.0%
+10.5% YoY
Tap, hover, or focus a slice to inspect segment detail.
U.S. Markets is the largest disclosed segment at 78.0% of FY 2025 revenue, up 10.5% YoY.
U.S. Markets is the largest reported region at 78.0%, up 10.5% YoY.
TRU Valuation Snapshot
Current multiples compared to the S&P 500, the company's sector, and its own five-year average.
Relative Value Signal
Cheap versus peers
Fair value est. $105 — implies +62.4% from today's price.
Upside to Fair Value
62.4%
potential upside
Deep DiscountFair ValueVery Expensive
vs S&P 500 Trailing P/E
TRU
27.8x
vs
S&P 500
24.4x
+14% premium
vs Industrials Trailing P/E
TRU
27.8x
vs
Industrials
25.6x
+9% premium
vs TRU 5Y Avg P/E
Today
27.8x
vs
5Y Average
39.5x
29% discount
Forward PE
13.5x
S&P 500
18.8x
-28%
Industrials
21.2x
-36%
5Y Avg
—
—
Trailing PE
27.8x
S&P 500
24.4x
+14%
Industrials
25.6x
+9%
5Y Avg
39.5x
-29%
PEG Ratio
5.23x
S&P 500
1.66x
+215%
Industrials
1.65x
+217%
5Y Avg
—
—
EV/EBITDA
11.7x
S&P 500
15.2x
-23%
Industrials
13.9x
-16%
5Y Avg
20.5x
-43%
Price/FCF
18.8x
S&P 500
20.7x
-9%
Industrials
20.0x
-6%
5Y Avg
34.9x
-46%
Price/Sales
2.7x
S&P 500
3.1x
-12%
Industrials
1.6x
+74%
5Y Avg
4.4x
-39%
Dividend Yield
0.71%
S&P 500
1.91%
-63%
Industrials
1.21%
-41%
5Y Avg
0.52%
+36%
| Metric | TRU | S&P 500 | Industrials | 5Y Avg TRU |
|---|---|---|---|---|
| Forward PE | 13.5x | 18.8x-28% | 21.2x-36% | — |
| Trailing PE | 27.8x | 24.4x+14% | 25.6x | 39.5x-29% |
| PEG Ratio | 5.23x | 1.66x+215% | 1.65x+217% | — |
| EV/EBITDA | 11.7x | 15.2x-23% | 13.9x-16% | 20.5x-43% |
| Price/FCF | 18.8x | 20.7x | 20.0x | 34.9x-46% |
| Price/Sales | 2.7x | 3.1x-12% | 1.6x+74% | 4.4x-39% |
| Dividend Yield | 0.71% | 1.91% | 1.21% | 0.52% |
TRU trades above S&P 500 benchmarks on 2 of 6 measured multiples — is elevated on some multiples, but competitive on others — a mixed valuation picture.
Forward P/E and PEG reflect analyst consensus estimates. Historical averages use trailing ratios where forward data is unavailable.S&P 500 and sector benchmarks both use trailing median P/E — similar readings indicate the broader index and sector are priced alike.
Open valuation toolTRU Financial Health
Verdict
Strong
TRU generates $697M in free cash flow at a 14.7% margin — returns 3.4% of market cap to shareholders annually.
Cash Engine
Revenue, margins, and cash generation
Revenue (TTM)
Trailing-twelve-month sales base
$4.7B
Revenue Growth
TTM vs prior year
+11.0%
Gross Margin
Gross profit as a share of revenue
52.7%
Operating Margin
Operating income divided by revenue
18.1%
Net Margin
Net income divided by revenue
14.9%
EPS (TTM)
Diluted earnings per share, trailing twelve months
$3.62
Free Cash Flow (TTM)
Cash generation after capex
$697M
FCF Margin
FCF as share of revenue — the primary cash quality signal
14.7%
Capital Quality
ROIC, leverage, and debt serviceability
ROIC
Return on invested capital — primary competitive quality signal
7.3%
ROA
Return on assets, trailing twelve months
6.2%
Cash & Equivalents
Liquid assets on the balance sheet
$854M
Net Debt
Total debt minus cash
$4.3B
Debt Serviceability
Net debt as a multiple of annual free cash flow
6.2× FCF
~6.2 years to full repayment at current FCF run-rate
ROE
Return on equity, trailing twelve months
15.1%
Shareholder Returns
How capital is returned to owners
Total shareholder yield
3.4%
Dividend
0.7%
Buyback
2.7%
Share Repurchases
Trailing buyback outflow — dollar magnitude of capital returned
$338M
Dividend / Share
Annualized trailing dividend per share
$0.46
Payout Ratio
Share of earnings distributed as dividends
19.9%
Shares Outstanding
Declining as buybacks retire shares
193M
All figures from the trailing twelve months. ROIC uses invested capital (equity + net debt).
Open full ratios pageTRU Stock Risk Factors
Key factors that could pressure the stock price, compress the multiple, or weigh on future results.
AI analysis · updated June 18, 2026
Medium
Valuation de-rating
Projections suggest TransUnion's share price could fluctuate significantly by end of 2026, indicating potential valuation risks.
Lower
Regulatory compliance
TransUnion's operations involve handling sensitive consumer credit data, exposing it to regulatory scrutiny and compliance risks.
Medium
Market competition
As a consumer credit reporting agency, TransUnion faces intense competition in data aggregation and credit monitoring services.
High Risk
Earnings volatility
Despite raising full-year guidance, TransUnion's stock performance and earnings projections indicate potential volatility.
Lower
Operational dependencies
TransUnion's reliance on subsidiary operations (e.g., TransUnion Interactive) introduces operational and integration risks.
These are risk mechanisms, not predictions. The key question is which would force a cut to earnings estimates or a lower multiple than the market currently prices in.
Why TRU Stock Could Outperform
Structural drivers behind the upside case and why the stock could outperform over the next 12 months.
AI analysis · updated June 18, 2026
Strong financial performance
TransUnion reported higher revenue and earnings than a year earlier, beat earnings expectations, and raised its full-year guidance.
Share repurchase program
The company is actively repurchasing shares under its US$311.92 million buyback program, signaling confidence in its financial health.
AI-enabled product momentum
Management highlighted accelerating adoption of AI-driven solutions, which are likely driving growth and operational efficiency.
New product launches
TransUnion introduced Digital Business Profile for small businesses, expanding its service offerings and potential revenue streams.
Global data aggregation
The company collects and aggregates information on over one billion consumers across thirty countries, providing a robust data advantage.
Bullish investor sentiment
A bullish thesis on TransUnion highlights its growth potential, supported by strong financials and strategic initiatives.
A real bull case compounds — each driver matters most when it strengthens margins, supports capital returns, and keeps the company above the market's minimum growth bar simultaneously.
TRU Stock Price Performance
52-week range context and price returns across multiple time horizons. Dividend contribution is shown separately in the Capital Return section.
Current Price
$64.60
52W Range Position
3%
52-Week Range
Current price plotted between the 52-week low and high.
52-Week Low
$63.58
+1.6% from the low
52-Week High
$99.39
-35.0% from the high
1 Month
-5.83%
3 Month
-11.57%
YTD
-22.5%
1 Year
-23.8%
3Y CAGR
-4.8%
5Y CAGR
-9.8%
10Y CAGR
+7.0%
Range context matters because valuation compression and earnings misses rarely hit from the same starting point. A stock already far below its high can still fall, but it is no longer carrying the same embedded optimism as one pressing a fresh peak.
TRU vs Peers
Valuation, growth, and margin comparison against the closest publicly traded peers for this company.
Peer Set
Accurate peer set
Forward PE
13.5x
vs 22.7x median
-40% below peer median
Revenue Growth
+9.2%
vs +6.3% median
+47% above peer median
Net Margin
14.9%
vs 30.4% median
-51% below peer median
| Company | Mkt Cap | Fwd PE | Rev Grw | Margin | Rating | Upside |
|---|---|---|---|---|---|---|
TRU TRU TransUnion | $12.5B | 13.5x | +9.2% | 14.9% | Buy | +42.9% |
EFX EFX Equifax Inc. | $18.6B | 17.9x | +7.0% | 11.1% | Buy | +47.1% |
FIC FICO Fair Isaac Corporation | $25.4B | 25.5x | +13.3% | 33.7% | Buy | +46.3% |
VRS VRSK Verisk Analytics, Inc. | $22.8B | 22.7x | +5.8% | 29.3% | Hold | +30.1% |
MCO MCO Moody's Corporation | $79.9B | 27.0x | +6.3% | 31.7% | Buy | +20.1% |
SPG SPGI S&P Global Inc. | $121.6B | 20.9x | +6.2% | 30.4% | Buy | +33.4% |
This peer comparison reflects companies with similar business models, product lines, or market positioning, supplemented by industry grouping when direct matches are limited.
TRU Dividend and Capital Return
TRU returns capital mainly through $338M/year in buybacks (2.7% buyback yield), with a modest 0.71% dividend — combining for 3.4% total shareholder yield.
Dividend SustainableFCF Well Covered
Total Shareholder Yield
3.4%
Dividend + buyback return per year
Buyback Yield
2.7%
Dividend Yield
0.71%
Payout Ratio
19.9%
How TRU Splits Its Return
Div 0.71%
Buyback 2.7%
Dividend 0.71%Buybacks 2.7%
Dividend Profile
Yield, cadence, and growth quality
Dividend / Share
Trailing annualized cash dividend
$0.46
Growth Streak
Consecutive years of dividend increases
1Y
3Y Div CAGR
4.8%
5Y Div CAGR
8.9%
Ex-Dividend Date
—
Payment Cadence
Quarterly
4 payments over the last 12 months
Buyback Engine
How much per-share support comes from repurchases
Repurchases (TTM)
Cash used for buybacks in the latest trailing period
$338M
Estimated Shares Retired
5M
Approx. Share Reduction
2.7%
Shares Outstanding
Current diluted share count from the screening snapshot
193M
At 2.7%/year, buybacks mechanically lift EPS even with flat earnings — each remaining share represents a slightly larger piece of the company.
| Year | Div / Share | YoY Grw | BB Yield | Total Yield |
|---|---|---|---|---|
| 2026 | $0.25 | — | — | — |
| 2025 | $0.46 | +9.5% | 2.0% | 2.5% |
| 2024 | $0.42 | 0.0% | 0.0% | 0.5% |
| 2023 | $0.42 | +5.0% | 0.0% | 0.6% |
| 2022 | $0.40 | +11.1% | 0.0% | 0.7% |
FAQ
7 questionsTRU Investor Questions
Common questions answered from live analyst data and company financials.
01Is TransUnion (TRU) stock a buy or sell in 2026?
TransUnion (TRU) is rated Buy by Wall Street analysts as of 2026. Of 26 analysts covering the stock, 19 rate it Buy or Strong Buy, 7 rate it Hold, and 0 rate it Sell or Strong Sell. The consensus 12-month price target is $92, implying +42.9% from the current price of $65. The bear case scenario is $70 and the bull case is $147.
02What is the TRU stock price target for 2026?
The Wall Street consensus price target for TRU is $92 based on 26 analyst estimates. The high-end target is $111 (+71.8% from today), and the low-end target is $72 (+11.5%). The base case model target is $112.
03Is TransUnion (TRU) stock overvalued in 2026?
TRU trades at 13.5x times forward earnings. The stock's valuation is broadly in line with the broader market. Based on current multiples versus the peer group, the relative model signals cheap versus peers. Whether the stock is over or undervalued ultimately depends on whether consensus earnings estimates are achievable.
04What are the main risks for TransUnion (TRU) stock in 2026?
The primary risks for TRU in 2026 are: (1) Earnings volatility — Despite raising full-year guidance, TransUnion's stock performance and earnings projections indicate potential volatility. (2) Valuation de-rating — Projections suggest TransUnion's share price could fluctuate significantly by end of 2026, indicating potential valuation risks. (3) Market competition — As a consumer credit reporting agency, TransUnion faces intense competition in data aggregation and credit monitoring services. Each factor has the potential to pressure earnings or compress the stock's valuation multiple.
05What is TransUnion's revenue and earnings forecast?
Analyst consensus estimates TRU will report consensus revenue of $5.2B (+9.2% year-over-year) and EPS of $3.79 (+4.7% year-over-year) for the upcoming fiscal year. The following year, analysts project $5.5B in revenue.
06When does TransUnion (TRU) report its next earnings?
TransUnion is expected to report its next earnings on approximately 2026-07-23. Consensus expects EPS of $1.18 and revenue of $1.3B. Over recent quarters, TRU has beaten EPS estimates 83% of the time.
07How much free cash flow does TransUnion generate?
TransUnion (TRU) generated $697M in free cash flow over the trailing twelve months — a free cash flow margin of 14.7%. TRU returns capital to shareholders through dividends (0.7% yield) and share repurchases ($338M TTM).