Stocks · Financial Services · Financial - Data & Stock Exchanges
TransUnion TRU
$63.82 +0.60% Close, Oct 5, 2026 · NYSE · Market cap $12.16B
Strong growthHigh risk
Next earnings report: Oct 27, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $3.79, up 89.5% year over year.
- Earnings beat analyst estimates in each of the last 6 quarters (average surprise over the last four: +5.5%).
- Revenue over the last four quarters was $4.90B, up 12.4% from a year earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 33%
- EPS growth (TTM, YoY)Top 14%
- FCF growth (TTM, YoY)Top 28%
- Revenue growth, 3-year CAGRBottom 22%
- Revenue growth accelerationTop 34%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 17%
- Gross marginBottom 29%
- Operating marginTop 49%
- Cash conversion (OCF / net income)Top 39%
- Accruals (lower is better)Top 26%
- Net debt / EBITDA (lower is better)Bottom 38%
- Interest coverTop 21%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 47%
- Free-cash-flow yieldBottom 42%
- EBITDA / enterprise valueTop 25%
- Sales / enterprise valueBottom 45%
- P/E vs own 5-year history (lower is better)Top 20%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 44%
- 6-month returnBottom 12%
- 1-year return vs S&P 500Bottom 19%
- Distance from 52-week highBottom 17%
- Trend checklist (0–4)Bottom 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 46%
- Consecutive EPS beatsTop 20%
- Share of analysts rating BuyTop 21%
- Upside to consensus price targetTop 14%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 15%
- Maximum drawdown, 3 yearsBottom 22%
- Beta vs S&P 500 (lower is better)Bottom 8%
- Net debt / EBITDA (lower is better)Bottom 38%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 11.0% | 12.4% | ↑ |
| EPS growth (YoY) | 92.0% | 89.5% | ↓ |
| Gross margin | 56.0% | 55.8% | ↓ |
| Operating margin | 17.8% | 22.1% | ↑ |
| FCF margin | 11.4% | 16.1% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 12.4% | 11.0% | ↑ | Top 33% |
| EPS growth (TTM, YoY) | 89.5% | 92.0% | ↓ | Top 14% |
| Gross margin | 55.8% | 56.0% | ↓ | Bottom 29% |
| Operating margin | 22.1% | 17.8% | ↑ | Top 49% |
| Net margin | 17.3% | 9.0% | ↑ | — |
| Free-cash-flow margin | 16.1% | 11.4% | ↑ | — |
| Return on invested capital | 8.9% | — | Top 17% | |
| Revenue growth, 3-year CAGR | 7.2% | — | Bottom 22% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.30×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -2.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 2.3%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -6.6 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 2.63×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 4.3×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.78%
- Net buyback yield (TTM)
- 2.95%
- Shareholder yield
- 3.73%
- Share count change, 1 year
- -1.8%
- Share count change, 3-year CAGR
- -0.1%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 28, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 6
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +5.5%
- Average 2-day reaction, last 8
- +3.7%
- Positive 20 days after report
- 3 of 8
Analysts
- Consensus price target
- $90.80
- Target vs current price
- +42.3%
- Analysts with a rating
- 27
- Share rating Buy or Strong Buy
- 70%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 28, 2026 | +6.0% | +8.5% | +3.5% | +9.9% | — |
| Apr 28, 2026 | +6.3% | -1.6% | -3.0% | -0.9% | +3.7% |
| Feb 12, 2026 | +3.9% | -1.3% | +6.1% | -3.0% | +0.4% |
| Oct 23, 2025 | +5.8% | +3.5% | -0.3% | +1.5% | +2.0% |
| Jul 24, 2025 | +9.0% | +4.1% | +2.1% | -7.2% | -17.2% |
| Apr 24, 2025 | +7.4% | +6.7% | +7.4% | +6.7% | +19.4% |
| Feb 13, 2025 | +0.0% | +7.3% | +1.1% | -13.9% | -7.9% |
| Oct 23, 2024 | +2.0% | +2.7% | -3.4% | -8.3% | -8.9% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 28, 2026 | $1.23 | $1.16 | +6.0% | $1.31B |
| Apr 28, 2026 | $1.18 | $1.11 | +6.3% | $1.25B |
| Feb 12, 2026 | $1.07 | $1.03 | +3.9% | $1.17B |
| Oct 23, 2025 | $1.10 | $1.04 | +5.8% | $1.17B |
| Jul 24, 2025 | $1.08 | $0.99 | +9.0% | $1.14B |
| Apr 24, 2025 | $1.05 | $0.98 | +7.4% | $1.10B |
| Feb 13, 2025 | $0.97 | $0.97 | +0.0% | $1.04B |
| Oct 23, 2024 | $1.04 | $1.02 | +2.0% | $1.08B |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 16.8× | 43.9× | 24th | Bottom 47% |
| P/E (forward) | 13.2× | — | — | — |
| EV / EBITDA | 9.3× | — | — | Top 25% |
| EV / Sales | 3.47× | — | — | Bottom 45% |
| Free-cash-flow yield | 6.48% | — | — | Bottom 42% |
| Earnings yield | 5.94% | — | — | Bottom 47% |
P/E over the past five years
Range 8.9× – 94.5× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -13.2%
- Earnings per share growth (TTM)
- +89.5%
- Change in P/E multiple
- -55.1%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -2.7%
- 200-day average slope (20 days)
- -1.6%
- Distance from 50-day average
- -17.6%
- Distance from 200-day average
- -15.3%
- RSI (14)
- 30.5
- Relative volume
- 1.01×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 40.6%
- Volatility vs own 5-year history
- 68th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.40
- Correlation with S&P 500
- 0.56
- Current drawdown from 1-year high
- -27.5%
- Maximum drawdown, 3 years
- -43.8%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Sep 8, 2021 | Oct 30, 2023 | -65.3% | 539 days | Not yet recovered |
| Dec 24, 2020 | Feb 26, 2021 | -16.6% | 42 days | 38 days (Apr 22, 2021) |
| Oct 13, 2020 | Oct 29, 2020 | -11.8% | 12 days | 7 days (Nov 9, 2020) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $12.16B
- P/E (TTM)
- 16.8
- EPS, diluted (TTM)
- $3.79
- Revenue (TTM)
- $4.90B
- Dividend yield
- 0.77%
- 52-week range
- $60.96 – $89.12
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $2.96B | $3.71B | $3.83B | $4.18B | $4.58B |
| Gross profit | $1.94B | $2.32B | $2.31B | $2.51B | $2.70B |
| Operating income | $651.9M | $626.3M | $128.5M | $666.7M | $857.8M |
| Net income | $1.39B | $266.3M | -$206.2M | $284.4M | $455.4M |
| EPS (diluted) | $7.19 | $1.40 | -$1.07 | $1.45 | $2.32 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.08B | $1.04B | $1.10B | $1.14B | $1.17B | $1.17B | $1.25B | $1.31B |
| Net income | $68.0M | $66.2M | $148.1M | $109.6M | $96.6M | $101.2M | $397.2M | $252.9M |
| EPS (diluted) | $0.35 | $0.34 | $0.75 | $0.56 | $0.49 | $0.52 | $2.04 | $0.74 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $808.3M | $297.2M | $645.4M | $832.5M | $987.6M |
| Capital expenditure | -$224.2M | -$298.2M | -$310.7M | -$315.8M | -$326.0M |
| Free cash flow | $584.1M | -$1.0M | $334.7M | $516.7M | $661.6M |
| Dividends paid | -$69.8M | -$77.8M | -$81.8M | -$82.7M | -$90.5M |
| Net share buybacks | $21.9M | $18.7M | $23.1M | $24.9M | -$279.5M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $839.1M
- Total assets
- $12.19B
- Total liabilities
- $7.19B
- Total debt
- $5.66B
- Net debt
- $4.82B
- Shareholders’ equity
- $4.84B
As of Jun 30, 2026 (filed Jul 28, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 20, 2026 | $0.13 | Sep 4, 2026 |
| May 27, 2026 | $0.13 | Jun 11, 2026 |
| Feb 26, 2026 | $0.13 | Mar 13, 2026 |
| Nov 21, 2025 | $0.12 | Dec 8, 2025 |
| Aug 22, 2025 | $0.12 | Sep 8, 2025 |
| May 22, 2025 | $0.12 | Jun 6, 2025 |
| Feb 27, 2025 | $0.12 | Mar 14, 2025 |
| Nov 22, 2024 | $0.11 | Dec 9, 2024 |
Short interest
- Shares sold short
- 11,611,777
- Days to cover
- 4.91
- Change vs previous report
- +21.6%
FINRA short interest, settlement date Sep 15, 2026.