TRU
TransUnion
$76.05
▼ 3.7%Updated Today 3:42 PM ET
TRU at a glance — five pillars scored 0–100 from real filed financials.
Overall: Favorable · 59/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
▼ Down 13.4% over the last 12 months
Market Cap
$15.10B
P/E
21.43x
Forward P/E (est.)
15.31x
ROE
15.5%
Revenue Growth
11.0%
EPS Growth
93.3%
Profit Margin
14.9%
FCF Yield
1.8%
Debt / Equity
1.15x
ROIC
7.0%
Interest Coverage
2.98x
Current Ratio
1.93x
Dividend Yield
0.6%
Implied Growth (rev. DCF)
4.4%
Rating Score
59/100
TransUnion (TRU) is a large-cap company in the Professional Services industry, part of the Industrials sector of the S&P 500, with a market value around $15.10B.
In its latest reported year it generated about $4.58B in revenue and $455.40M in net profit.
Our model rates TRU Favorable (59/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
Evidence of durable competitive advantage in the filed financials (10 years of history).
Some durable-advantage evidence, but not across the board — dig into which ingredient is weak and whether it's cyclical or structural.
12.7% average over the last 3 years
±5.6 pts around 18.2% across 10 years
grew in 9 of the last 9 year-over-year periods
positive in 9 of 10 years
7.0% latest fiscal year
A moat can't be proven by numbers alone — this scores the evidence a durable advantage leaves behind (pricing power, consistency, returns on capital), computed the same way for every stock. Pair it with the business overview before concluding anything.
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what TRU's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. TRU trades near $76.05, around its 50-day average ($69.84) and 200-day average ($76.91). Price tangled in its moving averages means there is no clear trend — the stock is ranging.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 77 it is overbought — the recent rally is stretched and can cool off.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. TRU's is $2.99 (~3.9% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month TRU found buyers near $63.37 (support) and sellers near $79.29 (resistance); its 52-week range is $63.37–$99.39. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 0.3× the 20-day average — lighter than usual, so the move carries less conviction. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
4Y CAGR
11.5%
Revenue moved from $1.70B in 2016 to $4.58B in 2025, a 11.6% compound annual growth rate. The most recent year grew a steady 11.0% year over year. Consistent top-line growth is one sign of healthy demand.
Gross Margin
58.8%
Operating Margin
18.7%
Net Margin
10.0%
ROE
15.5%
TransUnion keeps about 14.9% of each sales dollar as net profit, with a 58.8% gross margin and 18.7% operating margin. Return on equity is 15.5% and return on invested capital about 7.0%. Margins are moderate — typical of a competitive but profitable business.
Total Debt
$5.10B
Net Debt
$4.37B
Net Debt / EBITDA
5.1x
Debt / Equity
1.15x
Leverage: debt-to-equity is 1.1x, and operating profit covers interest about 3.0x, with a current ratio of 1.9x. That is a moderate, manageable debt load for most businesses. It carries roughly $5.10B of total debt against $732.50M of cash.
Operating CF
$987.60M
Free Cash Flow
$661.60M
FCF Margin
14.5%
In the latest year TransUnion produced about $987.60M of operating cash flow and $661.60M of free cash flow after capital spending. That is a free-cash-flow yield of about 1.8% on today's price. Cash flow is what ultimately pays shareholders, so it is worth tracking over time.
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
The payout is comfortably covered by cash the business actually generates, with a raise habit behind it.
Dividend yield
0.6%
Per share (latest FY)
$0.46
Total paid (latest FY)
$90.50M
History on record
8 years
dividend uses 14% of free cash flow
20% of net income paid out
total dividends increased 7 years in a row
no cuts in the last 8 years on record
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
P/E
21.43x
P/S
3.3x
P/B
3.75x
EV / EBITDA
13.59x
TRU trades at 21.4x trailing earnings (about 15.3x on estimated forward earnings), 3.3x sales, and 3.8x book value. Reverse-engineering today's price implies the market expects roughly 4.4% long-term free-cash-flow growth. That is a fairly typical valuation for a profitable company.
A two-stage discounted cash flow on real SEC-filed free cash flow — the intrinsic-value anchor professional analysts triangulate from.
DCF fair value / share
$87.12
Current price
$76.05
Starting FCF (latest 10-K)
$661.60M
Growth, years 1–5
11.0%
Fade to terminal, years 6–10
2.5%
Discount rate
9.0%
Cash flows grow at the stage-1 rate (trailing revenue growth, capped at 20%) for five years, fade to 2.5% by year 10, and continue at that rate forever (Gordon terminal value), all discounted at 9.0%. Small changes in assumptions move the result a lot — treat this as one reference point, not a target price. Educational only, not investment advice.
Where TRU sits versus its Industrials sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 144 Industrials companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
How TRU stacks up against its Industrials peers — valuation, profitability, and growth versus the sector median.
In the Industrials sector (273 S&P 500 companies), TRU ranks #37 of 273 by our overall rating. It trades at a discount versus the sector on earnings (21.4x P/E vs. 30.7x median) with a lower return on equity (15.5% vs. 18.1%) and faster revenue growth (11.0% vs. 6.0%).
P/E vs sector
21.4x
median 30.7x
ROE vs sector
15.5%
median 18.1%
Growth vs sector
11.0%
median 6.0%
Sector rank
#37
of 273 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Industrials companies by sub-industry and size. Sector median is across all 273 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$0.00 – $0.00
vs. $76.05 today · expected CAGR -8% – 1%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $5.08B | $5.64B | $6.26B | $6.95B | $7.71B |
| Net income | $507.97M | $563.85M | $625.87M | $694.71M | $771.13M |
| EPS | $2.56 | $2.84 | $3.15 | $3.50 | $3.88 |
| Share price (low) | $33.26 | $36.92 | $40.98 | $45.49 | $50.49 |
| Share price (high) | $53.73 | $59.64 | $66.20 | $73.49 | $81.57 |
| CAGR (low–high) | -56% / -29% | -30% / -11% | -19% / -5% | -12% / -1% | -8% / 1% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for TRU:
- Revenue is growing 11.0% a year, a sign of real demand.
- Strong return on equity (15.5%) shows capital is put to work well.
- Our model's overall read is Favorable (59/100).
The case against TRU:
- Interest coverage is thin (3.0x), so debt costs bite.
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Balance-sheet risk — debt/equity of 1.1x magnifies the impact of higher rates or weaker earnings.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the fundamentals screen favourably: TransUnion is a large-cap industrials business still growing nicely, with solid profitability, and a heavier debt load to watch. It trades at 21.4x earnings, which our model scores Favorable (59/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Analyst Ratings
What 26 Wall Street analysts covering TRU recommend (July 2026). Consensus is a useful sanity check — not a substitute for your own homework.
Analysts have turned more cautious over the last three months (-3 pts of buy ratings).
Latest SEC Filings
TRU's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen.
TRU — frequently asked questions
Is TRU a good stock to buy?
We don't give buy or sell advice. Our model rates TransUnion Favorable (59/100) based on its growth, profitability, financial health, and valuation — use that as a research starting point and make your own decision.
What is TRU's rating on The Stocks School?
TransUnion currently scores 59/100 (Favorable) on our transparent model, which weighs real fundamentals: growth, margins, returns on capital, balance-sheet strength, and valuation.
How our ratings work →Where does TRU's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from TransUnion's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for TRU calculated?
It's a scenario model: it grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — it's a tool for thinking, not a prediction.
Is this TRU analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell TRU. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.