TransUnion (TRU) Stock: Price, Forecast & Analyst Target
TransUnion (TRU) — MoonshotScore 59/100 (Fair band), calculated Oct 5, 2026. Price $63.82 (+0.60%), as of the Oct 5, 2026 trading session; market cap $12.2B. Expected results Oct 27, 2026.
Educational signal · not a buy or sell recommendation · How to read this
Market value / cash and short-term investments: 14.54× (market value Oct 5, 2026; cash Jun 30, 2026) · expected results Oct 27, 2026
TransUnion · TRU · NYSE · Financial Services · Financial - Data & Stock Exchanges
Research dated 2026-09-13: TransUnion sells credit information, identity and fraud tools, analytics, screening, and consumer services rather than operating mainly as an exchange or trading-data venue. The case rests on whether demand across lending and identity workflows can keep lifting profit and cash generation while debt remains far above liquid resources.
Price as of Oct 5, 2026
Key Statistics
MoonshotScore v2 · TransUnion (TRU)
FairWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
Elite quality and elite growth, but a fragile balance sheet, and the price trend has turned against it. Business Quality: Elite; Financial Safety: Fragile; Valuation: Full; Growth Durability: Compounding; Momentum: Falling.
- quarterly revenue $1.31B (Q2 FY2026, quarter ended Jun 2026)
- EPS beat 7 of 8
- Altman Z 2.22 · Piotroski F 7
Holding back: balance-sheet strain, weak price trend
Helping: business quality, durable growth
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 63 | Fair | |
| 61 | Fair | |
| 61 | Fair | |
| 57 | Fair | |
| 57 | Fair | |
| 59 | Fair |
The score was 59 in the stored Oct 4, 2026 snapshot and remains 59 in the current publication computed Oct 5, 2026 (0); the largest pillar moves were Growth Durability +5 and Business Quality -1; the pillar moves offset under the sector-relative weighting, so the headline score is unchanged.
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value | As of |
|---|---|---|
| Latest provided price | $63.82 | |
| Change on the day | +0.60% | |
| 52-week range | $60.96 – $89.12 | |
| Market capitalisation | $12.2B | |
| Price / earnings (trailing) | 16.56 | |
| Shares traded on the day | 2.99M | |
| Beta (volatility vs the S&P 500) | 1.54 | |
| Dividends per share (last 12 months) | $0.49 | |
| Dividend yield (last 12 months) | 0.77% |
Price & events
Triangles mark reported quarters on the line: pointing up is above the recorded estimate, down is below, a diamond means no estimate on file or a dated event that is not a results report. Numbers key to the dated list. Point at or tab to any week for its close.
Events behind the price
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings call · management outlook
- · Earnings results · above the recorded estimate
Results dates follow the earnings feed; call dates follow the transcript provider. Nearby dates do not establish that an event caused a price move.
Upcoming events
Management outlook
For full year guidance, we expect revenue to be between $5.127 billion and $5.162 billion, up 12% to 13%.
Todd Cello · Statement from
We expect adjusted EBITDA to be between $1.807 billion to $1.827 billion in 2026, up 10% to 11%, that results in a margin of 35.2% to 35.4%, down 60 to 80 basis points.
Todd Cello · Statement from
Statement dates identify the earnings call, not a deadline. Management expectations and provider estimates can change.
Read management statementsOther perspectives
Council score for TransUnion (TRU): perspectives
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
5-Factor Breakdown
Legends Council
4 lenses, 0 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Oct 3, 2026 · older than the 27 hours refresh window; not a current reading
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 10, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
On Sep 10, 2026, the Munger lens read the price at that time as fairly valued against its own estimate of value.
Readings on this page are from Oct 5, 2026, except a card that shows its own read date.
Watch the TRU film — every key number, told as a short cinematic story
~2 min · open the film
What is TransUnion (TRU), and what does it report?
Short answer · as of
Lenders and other organizations use TransUnion to assess credit risk, verify identities, detect fraud, screen applicants, support collections, and manage customer relationships.
Research dated 2026-09-13.
Lenders and other organizations use TransUnion to assess credit risk, verify identities, detect fraud, screen applicants, support collections, and manage customer relationships. Consumers also buy credit monitoring, identity protection, and financial-management services.
Reported revenue is concentrated in U.S. Markets, while International contributes bureau, analytics, technology, and risk-management services across overseas markets. Demand therefore extends beyond credit reports to onboarding, authentication, transaction processing, marketing, insurance, screening, collections, and direct consumer purchases.
What do the latest results show for TransUnion (TRU)?
Short answer · as of
The most recent reported quarter, Q2 FY2026, carried revenue of $1.31B.
Research dated 2026-09-13.
Revenue advanced through the recent sequence and reached a new high in the latest period, with gross profit and operating profit also rising. Reported net income and diluted earnings fell from the immediately preceding period even as operating profit climbed, making bottom-line conversion the notable wrinkle.
Management raised its revenue and adjusted earnings outlook while retaining prudent assumptions about the macro environment. It expects adjusted operating cash earnings to grow while the associated margin contracts, so the guidance describes expansion without matching margin improvement.
Reported revenue exceeded consensus throughout the earnings history shown, while adjusted earnings met or surpassed expectations throughout that sequence.
Where is operating spending going?
Revenue alongside research and development, selling, general and administrative expenses, and the FMP standardized operating result.
- Latest quarter · revenue
- $1.31B Jun 30, 2026
- Latest quarter · SG&A
- $346.50M Jun 30, 2026
- Latest quarter · FMP standardized operating result
- $418.50M Jun 30, 2026
| Period end | Revenue | R&D | SG&A | FMP standardized operating result |
|---|---|---|---|---|
| Jun 30, 2026 | $1.31B | Not available | $346.50M | $418.50M |
| Mar 31, 2026 | $1.25B | Not available | $329.10M | $244.80M |
| Dec 31, 2025 | $1.17B | Not available | $342.30M | $203.60M |
| Sep 30, 2025 | $1.17B | Not available | $330.80M | $212.80M |
USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow.
Did results meet expectations?
Reported earnings and revenue alongside the estimates recorded by the provider.
- Latest report · revenue
- $1.31B Jul 28, 2026
- Latest report · revenue estimate
- $1.28B Jul 28, 2026
- Latest report · revenue vs estimate
- Above estimate Jul 28, 2026
- Latest report · EPS vs estimate
- Above estimate Jul 28, 2026
| Report date | Revenue · reported | Revenue · estimate | EPS · reported | EPS · estimate |
|---|---|---|---|---|
| Jul 28, 2026 | $1.31B | $1.28B | $1.2300 | $1.1600 |
| Apr 28, 2026 | $1.25B | $1.21B | $1.1800 | $1.1100 |
| Feb 12, 2026 | $1.17B | $1.13B | $1.0700 | $1.0300 |
| Oct 23, 2025 | $1.17B | $1.13B | $1.1000 | $1.0400 |
Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q2 FY2026 | $1.31B | $253M | $0.74 (diluted) |
| Q1 FY2026 | $1.25B | $397M | $2.04 (diluted) |
| Q4 FY2025 | $1.17B | $101M | $0.52 (diluted) |
| Q3 FY2025 | $1.17B | $97M | $0.49 (diluted) |
What are the financial strengths and risks for TransUnion (TRU)?
Short answer
Cash and short-term investments were $839.10M at the Jun 30, 2026 balance-sheet date. Operating cash flow was $374.90M for the quarter ended Jun 30, 2026, meaning operations generated cash. These figures do not establish a cash runway.
Research dated 2026-09-13.
TransUnion is producing positive operating cash flow while continuing to fund capital investment, and the latest period delivered the strongest operating cash inflow in the recent sequence. Cash and short-term investments also recovered from the preceding period.
That cash generation sits against substantial leverage: debt greatly exceeds cash and investments, leaving meaningful net debt relative to the company’s equity market value. Near-term liquidity ratios appear comfortable, but weaker credit activity, onboarding, screening, or fraud-related transaction demand would reduce room for balance-sheet repair.
Management currently favors returning capital to shareholders. Sustained free cash flow can support that choice, though allocating cash away from debt reduction would preserve the leverage constraint.
How much cash does the business generate or use?
Quarterly operating cash flow shows cash generated or used by operations.
- Latest quarter · operating cash flow
- $374.90M Jun 30, 2026
- Previous quarter · operating cash flow
- $84.20M Mar 31, 2026
| Period end | Operating cash flow | Capital expenditure (reported) |
|---|---|---|
| Jun 30, 2026 | $374.90M | −$69.20M |
| Mar 31, 2026 | $84.20M | −$65.20M |
| Dec 31, 2025 | $319.50M | −$96.70M |
| Sep 30, 2025 | $324.30M | −$83.90M |
Operating cash-flow bars share one scale and show magnitude; negative values mean cash used.
USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway.
What should you watch next at TransUnion (TRU)?
Short answer · as of
The next earnings report is expected on Oct 27, 2026.
Research dated 2026-09-13.
The scheduled earnings release puts sequential revenue durability in focus: consensus sales are only slightly above the latest reported level, while expected adjusted earnings sit close to the latest result.
Gross profit and operating profit should be read beside reported net income to determine whether the prior divergence persists. Cash flow after capital spending matters as much; continued cash generation paired with lower debt would improve financial flexibility, whereas shareholder returns without deleveraging would leave the balance-sheet tension intact.
Management’s raised organic constant-currency outlook creates a clear operating hurdle. Continued revenue growth with stable or improving profitability would carry more weight than growth accompanied by further margin compression.
What management is planning
Management expectations, not completed milestones or guarantees. Selected verbatim excerpts; dates follow the transcript provider.
For full year guidance, we expect revenue to be between $5.127 billion and $5.162 billion, up 12% to 13%.
Todd Cello ·
We expect adjusted EBITDA to be between $1.807 billion to $1.827 billion in 2026, up 10% to 11%, that results in a margin of 35.2% to 35.4%, down 60 to 80 basis points.
Todd Cello ·
We raised the full year '26 guidance but we maintain prudent assumptions around the macro environment. We now expect 8% to 9% organic constant currency revenue growth and 11% to 12% adjusted diluted EPS.
Christopher Cartwright ·
For the remainder of 2026, we plan to continue executing on our disciplined capital allocation framework with a current bias toward capital return to shareholders.
Todd Cello ·
How does TransUnion compare with its peers?
Short answer
TransUnion's score ranks 12th of 13 in the bounded comparison shown, against 12 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
Research dated 2026-09-13.
TransUnion is not a conventional exchange or a generic seller of financial feeds. Its information and software sit inside decisions involving borrower risk, identity, fraud, tenant and employment screening, collections, insurance, communications, and customer onboarding; it also serves consumers directly.
The revenue mix leans heavily toward U.S. Markets, while International adds geographic reach through bureau and risk services. Comparison with similar information businesses therefore hinges on workflow breadth, domestic concentration, and the recurring investment required to sustain data and technology products.
Corporate decision tools and consumer services coexist within the same company. That combination spreads demand across institutional transactions and personal monitoring, but it also joins credit-cycle exposure with identity, fraud, and screening activity.
| Company | Price | Market value | Score |
|---|---|---|---|
| $266.00 Oct 2, 2026 | $9.46B | 89 5-pillar Oct 5, 2026 | |
| $270.03 Oct 5, 2026 | $97.1B | 83 5-pillar Oct 5, 2026 | |
| $189.16 Oct 5, 2026 | $7.10B | 81 5-pillar Oct 5, 2026 | |
| $90.33 Oct 2, 2026 | $50.5B | 77 5-pillar Oct 5, 2026 | |
| $448.15 Oct 5, 2026 | $77.6B | 75 5-pillar Oct 5, 2026 | |
| $151.48 Oct 5, 2026 | $85.0B | 74 5-pillar Oct 5, 2026 | |
| $552.35 Oct 5, 2026 | $40.2B | 72 5-pillar Oct 5, 2026 | |
| $229.91 Oct 5, 2026 | $21.6B | 70 5-pillar Oct 5, 2026 | |
| $332.96 Oct 5, 2026 | $19.8B | 70 5-pillar Oct 5, 2026 | |
| $390.92 Oct 5, 2026 | $115B | 66 5-pillar Oct 5, 2026 | |
| $40.50 Oct 2, 2026 | $380M | 66 5-pillar Oct 5, 2026 | |
| TransUnion (TRU) — this page | $63.82 | $12.2B | 59 |
| $215.93 Oct 2, 2026 | $17.3B | 56 5-pillar Oct 5, 2026 |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Analyst targets & estimates
What analysts have on file
- Price target, low to high
- $68.00 – $115.00
- Consensus target
- $90.80
- Median target
- $97.00
Consensus record · Captured .
Measured against a quoted price of $63.82 (as of Oct 5, 2026).
Insider activity
Form 4 records via FMP · Of the newest 100 records, those within the last 180 days, newest dated Oct 1, 2026
- Transactions
- 58
- Identified insiders
- 23
- Purchases
- 0
- Sales
- 20
- Other transactions
- 38
Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
Who holds the shares?
Institutional ownership reported through 13F filings.
- Reporting holders
- 534 Period end Jun 30, 2026
- Previous quarter · holders
- 575 Prior to period end Jun 30, 2026
| Holders in provider snapshot | Shares |
|---|---|
| Dodge & Cox | 24,196,211 |
| Blackrock, INC. | 18,957,034 |
| Independent Franchise Partners Llp | 13,976,652 |
| Fmr LLC | 11,715,822 |
| Massachusetts Financial Services Co /Ma/ | 10,667,983 |
Quarterly filings lag the period end. Holder rows are names in the provider snapshot, not a verified ranking; individual filing dates are not supplied. Related managers may appear separately, so these positions are not summed. Holder snapshot as of Jun 30, 2026.
What has been published about TransUnion (TRU)?
What Investors Ask About TransUnion (TRU) — Financial Services
Research dated 2026-09-13; the answers below are from that research, and the full attribution is under Sources. The last 3 questions are answered from this page's own dated data, not from the research.
Why does TransUnion’s U.S. Markets segment matter so much?
U.S. Markets supplies most of TransUnion’s segment revenue and spans credit reporting, analytics, identity, fraud, marketing, screening, collections, and industry-specific products. Its scale means changes in domestic transaction and credit activity can outweigh progress abroad.
What does TransUnion’s fraud and identity business add beyond credit reports?
Fraud and identity products place TransUnion inside onboarding, authentication, and transaction workflows. They broaden demand beyond the issuance and monitoring of consumer credit.
Why did TransUnion’s operating profit improve while reported earnings weakened?
The latest period showed operating profit rising sharply while net income and diluted earnings declined from the preceding period. The divergence means stronger operations did not translate proportionately into reported shareholder earnings, making its persistence an important follow-up.
Does TransUnion’s capital-return bias conflict with its debt load?
Positive cash generation supports dividends and other shareholder returns, but debt remains far above liquid resources. Directing cash toward shareholders without reducing borrowings would keep leverage central to the financial risk.
What is the TRU stock price today?
The last price recorded on this page for TransUnion (TRU) is $63.82, as of the Oct 5, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
What is the TRU price target?
The analyst consensus price target for TransUnion (TRU) is $90.80 (range $68.00 to $115.00, median $97.00), per FMP data captured Oct 5, 2026. Targets are analyst opinions and change often; they are not a Stock Expert AI forecast.
Does TRU pay a dividend?
Yes. TransUnion (TRU) shows a trailing 12-month dividend yield of 0.77%, as of Oct 2, 2026, in the data on this page. Payout ratio and cash-flow coverage decide whether it can last, and past dividends do not guarantee future payments.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Research written by Codex (gpt-5.6-sol) on 2026-09-13. AI-authored analysis; source dates are shown with each answer. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (79 figures)
The 79 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
OFFICIAL — 2 facts from SEC filings and earnings calls
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
prod.outlook | Management outlook — call excerpts | Todd Cello (Jul 28, 2026): For full year guidance, we expect revenue to be between $5.127 billion and $5.162 billion, up 12% to 13%. Todd Cello (Jul 28, 2026): We expect adjusted EBITDA to be between $1.807 billion to $1.827 billion in 2026, up 10% to 11%, that results in a margin of 35.2% to 35.4%, down 60 to 80 basis points. Christopher Cartwright (Jul 28, 2026): We raised the full year '26 guidance but we maintain prudent assumptions around the macro environment. We now expect 8% to 9% organic constant currency revenue growth and 11% to 12% adjusted diluted EPS. Todd Cello (Jul 28, 2026): For the remainder of 2026, we plan to continue executing on our disciplined capital allocation framework with a current bias toward capital return to shareholders. | OFFICIAL | Company earnings call, transcript via Financial Modeling Prep (FMP) — Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording. | |
id.hq | SEC filing business address | Chicago, IL | OFFICIAL | SEC EDGAR filer business address — The SEC filer business address. Our market-data provider separately lists "555 West Adams, Chicago, IL, 60661, US". |
FMP — 67 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.next | Next earnings date | Oct 27, 2026 | FMP | Financial Modeling Prep (FMP) earnings calendar — The date is our provider's estimate until the company confirms it. | |
px.last | Latest provided price | $63.82 | FMP | Financial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-05T21:44:38.561Z. | |
px.change | Change on the day | +0.60% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalisation | $12.2B | FMP | Financial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-10-05. FMP quote timestamp: 2026-10-05T20:00:03.000Z. Captured from FMP at 2026-10-05T21:44:35.859Z. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
px.change_abs | Change on the day, in dollars | +$0.38 | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_revenue | Revenue, Q2 FY2026 | $1.31B | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.pe | Price / earnings (trailing) | 16.56 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 2.99M | FMP | Financial Modeling Prep (FMP) · quote | |
px.beta | Beta | 1.54 | FMP | Financial Modeling Prep (FMP) company profile | |
id.ceo | Chief executive | Christopher A. Cartwright | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
id.employees | Employees | 13,500 | FMP | Financial Modeling Prep (FMP) employee count, from the company's filing | |
fin.annual | Revenue and net result by fiscal year | 5 fiscal years, FY2021 through FY2025: FY2021 revenue $2.96B, net result $1.39B; FY2022 revenue $3.71B, net result $266.30M; FY2023 revenue $3.83B, net result −$206.20M; FY2024 revenue $4.18B, net result $284.40M; FY2025 revenue $4.58B, net result $455.40M | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements | |
fin.rev_mix | Reported revenue segments | U.S. Markets $3.58B · International $1.01B | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K | |
fin.gross_margin | Gross margin (trailing twelve months) | 55.8% | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.q_table.depth.2026-06-30.revenue_k | Revenue — period end 2026-06-30 | $1.31B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.sga_k | SG&A — period end 2026-06-30 | $346.50M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.operating_result_k | FMP standardized operating result — period end 2026-06-30 | $418.50M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.revenue_k | Revenue — period end 2026-03-31 | $1.25B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.sga_k | SG&A — period end 2026-03-31 | $329.10M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.operating_result_k | FMP standardized operating result — period end 2026-03-31 | $244.80M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.revenue_k | Revenue — period end 2025-12-31 | $1.17B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.sga_k | SG&A — period end 2025-12-31 | $342.30M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.operating_result_k | FMP standardized operating result — period end 2025-12-31 | $203.60M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.revenue_k | Revenue — period end 2025-09-30 | $1.17B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.sga_k | SG&A — period end 2025-09-30 | $330.80M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.operating_result_k | FMP standardized operating result — period end 2025-09-30 | $212.80M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
earn.history.depth.2026-07-28.revenue_actual | Revenue · reported — report date 2026-07-28 | $1.31B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-28.revenue_estimated | Revenue · estimate — report date 2026-07-28 | $1.28B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-28.eps_actual | EPS · reported — report date 2026-07-28 | $1.2300 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-28.eps_estimated | EPS · estimate — report date 2026-07-28 | $1.1600 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-28.revenue_actual | Revenue · reported — report date 2026-04-28 | $1.25B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-28.revenue_estimated | Revenue · estimate — report date 2026-04-28 | $1.21B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-28.eps_actual | EPS · reported — report date 2026-04-28 | $1.1800 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-28.eps_estimated | EPS · estimate — report date 2026-04-28 | $1.1100 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-12.revenue_actual | Revenue · reported — report date 2026-02-12 | $1.17B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-12.revenue_estimated | Revenue · estimate — report date 2026-02-12 | $1.13B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-12.eps_actual | EPS · reported — report date 2026-02-12 | $1.0700 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-12.eps_estimated | EPS · estimate — report date 2026-02-12 | $1.0300 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-23.revenue_actual | Revenue · reported — report date 2025-10-23 | $1.17B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-23.revenue_estimated | Revenue · estimate — report date 2025-10-23 | $1.13B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-23.eps_actual | EPS · reported — report date 2025-10-23 | $1.1000 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-23.eps_estimated | EPS · estimate — report date 2025-10-23 | $1.0400 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
fin.q_table | Quarterly income statement | 4 quarters through Q2 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
fin.cash_investments | Cash and short-term investments | $839.10M | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. | |
fin.opcf_latest | Latest-quarter operating cash flow | $374.90M | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Period end: 2026-06-30. Negative operating cash flow means cash used. This figure is not a cash-runway estimate. | |
fin.long_term_investments | Long-term investments (classification unverified) | $170.10M | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.total_debt | Total debt | $5.66B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.price_to_book | Price to book value | 2.52× | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.opcf.depth.2026-06-30.operating_cash_flow_m | Operating cash flow — period end 2026-06-30 | $374.90M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.operating_cash_flow_m | Operating cash flow — period end 2026-03-31 | $84.20M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-06-30.capex_m | Capital expenditure (reported) — period end 2026-06-30 | −$69.20M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.capex_m | Capital expenditure (reported) — period end 2026-03-31 | −$65.20M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.operating_cash_flow_m | Operating cash flow — period end 2025-12-31 | $319.50M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.capex_m | Capital expenditure (reported) — period end 2025-12-31 | −$96.70M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.operating_cash_flow_m | Operating cash flow — period end 2025-09-30 | $324.30M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.capex_m | Capital expenditure (reported) — period end 2025-09-30 | −$83.90M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
earn.pt_range | Analyst price target, low to high | $68.00 – $115.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
earn.pt_consensus | Consensus analyst price target | $90.80 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
earn.pt_median | Median analyst price target | $97.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
own.insiders | Insider transactions via FMP | 58 transactions · 0 purchases, 20 sales, 38 other transactions · 23 identified insiders · of the newest 100 records, those within the last 180 days, newest dated Oct 1, 2026 | FMP | Financial Modeling Prep (FMP), carrying Form 4 transaction records — Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent. | |
own.institutions.depth.holders | Reporting holders | 534 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.holders_previous_quarter | Previous quarter · holders | 575 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.top_holders.depth.holder_0.shares | Dodge & Cox — shares in provider snapshot | 24,196,211 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_1.shares | Blackrock, INC. — shares in provider snapshot | 18,957,034 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_2.shares | Independent Franchise Partners Llp — shares in provider snapshot | 13,976,652 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_3.shares | Fmr LLC — shares in provider snapshot | 11,715,822 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_4.shares | Massachusetts Financial Services Co /Ma/ — shares in provider snapshot | 10,667,983 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. |
UNRECORDED — 3 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.history | Reported versus estimated, recent quarters | EPS beat 7 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-10-05 | |
fin.scores | Distress and quality screens | Altman Z 2.22 · Piotroski F 7 | UNRECORDED | Stored financial-scores observation — Captured 2026-10-04 · Expired observation | |
px.range52 | 52-week range | $60.96 – $89.12 | UNRECORDED | Stored company-profile observation — Captured 2026-10-05 |
COMPUTED — 5 facts from our arithmetic, formula restated
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
fin.mcap_to_cash | Market value per dollar of cash and short-term investments | 14.54× | — | COMPUTED | Computed on this page from the figures above — The market capitalisation printed on this page divided by cash and short-term investments of $839.10M at Jun 30, 2026. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. Market cap record date: 2026-10-05. Balance-sheet reference date: 2026-06-30. The inputs do not establish a single common source date for this ratio. |
div.ttm_per_share | Dividends per share, last 12 months (split-adjusted) | $0.49 | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history — Sum of 4 split-adjusted declared dividends with an ex-date in the 365 days to 2026-10-05, per current share. Ex-dates are not payment dates; special dividends are included. Not a declared annual rate. | |
div.ttm_yield | Dividend yield, last 12 months | 0.77% | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history and quote — Split-adjusted dividends with ex-dates in the trailing 365-day window divided by the packet price, on the same current-share basis. Price date follows the quote, latest price bar or packet-build day when unstamped. Not a forecast or declared annual rate. | |
earn.history.depth.2026-07-28.revenue_actual.comparison | Latest report · revenue vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported revenue ($1.31B) with the recorded estimate ($1.28B) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
earn.history.depth.2026-07-28.eps_actual.comparison | Latest report · EPS vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported EPS ($1.2300) with the recorded estimate ($1.1600) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
OURS — 2 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 59 of 100 · Fair · pillars 93 / 18 / 44 / 88 / 8 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.moonshot_change | MoonshotScore movement | 59 (stored snapshot Oct 4, 2026) → 59 (current publication computed Oct 5, 2026) (0) | OURS | Stock Expert AI current score publication and immutable score snapshots |
Fact-family notes
- Quarterly statement note. Source series as of 2026-06-30. USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow. Applies to Fact IDs:
fin.q_table.depth.2026-06-30.revenue_k,fin.q_table.depth.2026-06-30.sga_k,fin.q_table.depth.2026-06-30.operating_result_k,fin.q_table.depth.2026-03-31.revenue_k,fin.q_table.depth.2026-03-31.sga_k,fin.q_table.depth.2026-03-31.operating_result_k,fin.q_table.depth.2025-12-31.revenue_k,fin.q_table.depth.2025-12-31.sga_k,fin.q_table.depth.2025-12-31.operating_result_k,fin.q_table.depth.2025-09-30.revenue_k,fin.q_table.depth.2025-09-30.sga_k,fin.q_table.depth.2025-09-30.operating_result_k. - Earnings-history note. Source series as of 2026-07-28. Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined. Applies to Fact IDs:
earn.history.depth.2026-07-28.revenue_actual,earn.history.depth.2026-07-28.revenue_estimated,earn.history.depth.2026-07-28.revenue_actual.comparison,earn.history.depth.2026-07-28.eps_actual.comparison,earn.history.depth.2026-07-28.eps_actual,earn.history.depth.2026-07-28.eps_estimated,earn.history.depth.2026-04-28.revenue_actual,earn.history.depth.2026-04-28.revenue_estimated,earn.history.depth.2026-04-28.eps_actual,earn.history.depth.2026-04-28.eps_estimated,earn.history.depth.2026-02-12.revenue_actual,earn.history.depth.2026-02-12.revenue_estimated,earn.history.depth.2026-02-12.eps_actual,earn.history.depth.2026-02-12.eps_estimated,earn.history.depth.2025-10-23.revenue_actual,earn.history.depth.2025-10-23.revenue_estimated,earn.history.depth.2025-10-23.eps_actual,earn.history.depth.2025-10-23.eps_estimated. - Cash-flow note. Source series as of 2026-06-30. USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway. Applies to Fact IDs:
fin.opcf.depth.2026-06-30.operating_cash_flow_m,fin.opcf.depth.2026-03-31.operating_cash_flow_m,fin.opcf.depth.2026-06-30.capex_m,fin.opcf.depth.2026-03-31.capex_m,fin.opcf.depth.2025-12-31.operating_cash_flow_m,fin.opcf.depth.2025-12-31.capex_m,fin.opcf.depth.2025-09-30.operating_cash_flow_m,fin.opcf.depth.2025-09-30.capex_m.
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Sources used for research written 2026-09-13
Historical evidence preserved with this analysis. Current figures are listed separately above.
| Evidence | Captured value | Source date | Source type | Source |
|---|---|---|---|---|
| Business description | 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. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Sector / industry (provider taxonomy) | Financial Services / Financial - Data & Stock Exchanges The company's SEC filings classify it under SIC 7320 — Services-Consumer Credit Reporting, Collection Agencies. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Revenue by segment | U.S. Markets: $3.58B; International: $1.01B | 2025-12-31 | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K |
| Quarterly income statement (USD thousands) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements |
| Operating cash flow by quarter (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements |
| Cash, investments and debt | Total debt: $5.66B; Liquidity basis: cash and short-term investments; Total liabilities: $7.19B; Cash and short-term investments: $839.10M; Cash and investments: $1.01B; Long-term investments: $170.10M; Long-term investments classification: unclassified Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's balance sheet |
| Most recent periodic reports | 2026-07-28 | OFFICIAL | SEC EDGAR filer submissions | |
| Annual revenue and net result (USD millions) | Captured record · 5 entries
| 2025-12-31 | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements |
| Reported versus estimated, last 8 quarters | Captured record · 8 entries
| 2026-07-28 | FMP | Financial Modeling Prep (FMP) earnings |
| Management outlook — dated call excerpts | Captured record · 4 entries
Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording. | 2026-07-28 | OFFICIAL | Company earnings call, transcript via Financial Modeling Prep (FMP) |
| Recent SEC filings |
| 2026-07-28 | OFFICIAL | SEC EDGAR filer submissions |
| Cash and investment components | Total basis: cash short and long-term investments; Total: $1.01B; Cash and short-term investments: $839.10M; Long-term investments: $170.10M; Long-term investments classification: unclassified Sums the balance sheet's cash and short-term investments with its long-term investments.; The long-term investment field does not establish marketability; the sum is not a measure of available liquidity.; These provider fields do not establish investment access restrictions or explain differences from third-party cash figures. | 2026-06-30 | COMPUTED | Computed from the balance sheet |
| Cash and short-term investments over time (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's quarterly balance sheets |
| Cash against market value | As of: 2026-06-30; Cash basis: cash and short-term investments; Net cash: -$4.82B; Total debt: $5.66B; Cash and investments: $839.10M Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. Cash is the latest reported cash and short-term investment balance; long-term investments are excluded. Market capitalization is the latest provider value.; The reported balance does not establish unrestricted availability or liquidation value.; The two are measured on different dates — the balance sheet is a quarter-end, the market cap is a recent close.; Debt is total debt as reported, including operating lease liabilities where the filer includes them. | 2026-06-30 | COMPUTED | Computed from the balance sheet and the latest market capitalization |
| Trailing twelve-month ratio set | Quick ratio: 1.9; Current ratio: 1.9; Debt to equity: 1.17; Net margin: 17.3%; Gross margin: 55.8%; Operating margin: 22.1%; Return on assets: 7%; Return on equity: 18.3% Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. A ratio our provider could not compute is absent rather than shown as zero. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm |
| Distress and quality screens | Altman Z-score: 2.45; Piotroski F-score: 7 Altman Z below 1.8 is the conventional distress zone. The screen is built for manufacturers and industrials; for banks, insurers and property companies it is not a meaningful reading. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) financial scores |
| Recent dividends paid | Captured record · 4 entries
Declared amounts per share on their ex-dates. A single payment does not establish an annual rate, and a special dividend is not separated here. | 2026-08-20 | FMP | Financial Modeling Prep (FMP) dividend history |
| Next earnings report | Date: 2026-10-22; EPS estimate: $1.21 per share; Revenue estimate: $1.31B The date is our provider's estimate until the company confirms it. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) earnings calendar |
Data provided for informational purposes only.