TransUnion (TRU) Stock Price & Analysis
TransUnion (TRU) closed at USD 74.12 on Thursday, October 15, 2026, up 10.73% on the day. The US market is currently closed; this is not a live price.
The prior close was USD 66.94; the Oct 15, 2026 session ranged USD 67.5–74.17 on volume of 4,511,792 shares. Market capitalization is $14.20B, with a 52-week range of USD 60.96–89.12 (NYQ). Source: Nexqual, retrieved October 16, 2026 at 05:05 UTC.
Also available as compact Markdown for AI agents: nexqual.com/TRU.md
Key facts (TRU)
- Last four reported quarters (through Mar 31, 2026): revenue $4.73B, net income $705M (14.9% margin), free cash flow $697M (SEC filings).
- Valuation: P/E 20.2x (avg 50.5x at the last 2 fiscal year-ends), EV/EBITDA 13.3x, net debt $4.87B.
- 3 of 80 tracked superinvestors hold TRU (13F, Q2 2026): 0 new, 1 added, 1 reduced, 1 unchanged.
- Insider open-market sales, last ~7 months: 22 Form 4 filings, $7.8M; 1 not under a Rule 10b5-1 plan ($1.8M).
- Analysts: Buy (mean 1.95 on a 1–5 scale) (22 analysts), mean target USD 90.14 (range 68–105).
- Total return with dividends: 1Y -4.7% vs S&P 500 +18.1%; 5Y -34.2% vs S&P 500 +85.1%.
- Next earnings: 2026-10-27, EPS estimate USD 1.21, revenue estimate $1.31B.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (TRU)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $2.96B | $3.71B | $3.83B | $4.18B | $4.58B | $4.73B |
| Operating income | $652M | $626M | $129M | $667M | $858M | $848M |
| Net income | $1.39B | $266M | -$206M | $284M | $455M | $705M |
| EPS (diluted) | $7.20 | $1.38 | -$1.07 | $1.45 | $2.32 | — |
| Free cash flow | $584M | -$1.0M | $335M | $517M | $662M | $697M |
| Operating margin | 22.0% | 16.9% | 3.4% | 15.9% | 18.7% | 17.9% |
| Net margin | 47.0% | 7.2% | -5.4% | 6.8% | 10.0% | 14.9% |
| Revenue growth | +17.0% | +25.3% | +3.3% | +9.2% | +9.4% | — |
| Cash + short-term investments | $1.85B | $588M | $479M | $682M | $856M | — |
| Total debt | $6.37B | $5.67B | $5.34B | $5.15B | $5.10B | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Mar 31, 2026) (TRU)
P/E 20.2x · P/S 3.0x · EV/EBITDA 13.3x · EV/Sales 4.0x · P/FCF 20.4x · P/B 3.0x · FCF yield 4.90% · Earnings yield 4.96% · Dividend yield (paid, TTM) 0.65% · Buyback yield (TTM) 2.17% · Net debt $4.87B · EV $19.1B
P/E at fiscal year-ends: Dec 2025 37.0x, Dec 2024 64.1x.
Superinvestors (SEC 13F-HR, Q2 2026) (TRU)
3 of 80 tracked investors hold TRU. Change is vs their prior-quarter share count.
| Investor | Firm | % of portfolio | Value | Change |
|---|---|---|---|---|
| Vulcan Value Partners | 5.94% | $195M | Reduced -15.6% | |
| Triple Frond Partners | 5.27% | $59.0M | Unchanged | |
| Dodge & Cox Funds | Dodge & Cox | 0.91% | $1.75B | Added +49.5% |
Insider sales (SEC Form 4, open-market, last ~7 months) (TRU)
21 of 22 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan |
|---|---|---|---|---|---|---|
| 2026-10-01 | Skinner Todd C. | President, International | 1,000 | $62K | 1.8% | Yes |
| 2026-10-01 | Abdelsadek Mohamed | EVP, Chief Global Solutions | 250 | $16K | 0.5% | Yes |
| 2026-09-14 | Abdelsadek Mohamed | EVP, Chief Global Solutions | 1,250 | $99K | 2.3% | Yes |
| 2026-09-10 | Achanta Venkat | EVP, Chief Tech, Data & Analy. | 23,287 | $1.8M | 10.6% | No |
| 2026-09-01 | Skinner Todd C. | President, International | 1,000 | $84K | 1.8% | Yes |
| 2026-09-01 | Chaouki Steven M | President, US Markets | 1,000 | $84K | 1.2% | Yes |
| 2026-08-31 | Williams Jennifer A. | SVP, Chief Accounting Officer | 1,070 | $90K | 19.8% | Yes |
| 2026-08-11 | Zuiker Alicia Brooke | EVP, CHRO | 8,673 | $681K | 17.2% | Yes |
| 2026-08-03 | Skinner Todd C. | President, International | 950 | $76K | 1.5% | Yes |
| 2026-08-03 | Chaouki Steven M | President, US Markets | 1,000 | $80K | 1.1% | Yes |
| 2026-07-28 | Abdelsadek Mohamed | EVP, Chief Global Solutions | 23,495 | $2.0M | 29.1% | Yes |
| 2026-07-07 | Williams Jennifer A. | SVP, Chief Accounting Officer | 972 | $78K | 14.3% | Yes |
| 2026-07-01 | Skinner Todd C. | President, International | 1,000 | $73K | 1.5% | Yes |
| 2026-07-01 | Chaouki Steven M | President, US Markets | 10,000 | $726K | 10% | Yes |
| 2026-06-01 | Skinner Todd C. | President, International | 1,000 | $71K | 1.5% | Yes |
| 2026-06-01 | Chaouki Steven M | President, US Markets | 5,000 | $354K | 4.8% | Yes |
| 2026-05-29 | Russell Heather J | EVP, Chief Legal Officer | 6,683 | $480K | 12.9% | Yes |
| 2026-05-01 | Skinner Todd C. | President, International | 500 | $36K | 0.9% | Yes |
| 2026-05-01 | Chaouki Steven M | President, US Markets | 5,000 | $360K | 5.6% | Yes |
| 2026-04-21 | Russell Heather J | EVP, Chief Legal Officer | 1,983 | $159K | 4.8% | Yes |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).
Analysts (TRU)
Consensus Buy (mean 1.95 on a 1–5 scale), 22 analysts; mean target USD 90.14 (low 68, high 105).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-13 | Morgan Stanley | Target lowered | Overweight | $106 → $97 |
| 2026-10-13 | Needham | Target lowered | Buy | $100 → $85 |
| 2026-10-02 | Goldman Sachs | Target lowered | Neutral | $77 → $68 |
| 2026-10-02 | Barclays | Target lowered | Equal-Weight | $85 → $70 |
| 2026-09-29 | Goldman Sachs | Target lowered | Neutral | $89 → $77 |
| 2026-09-24 | UBS | Target lowered | Neutral | $82 → $80 |
| 2026-09-21 | UBS | Target lowered | Neutral | $88 → $82 |
| 2026-07-29 | Stifel | Target raised | Buy | $88 → $96 |
| 2026-07-29 | Wells Fargo | Target raised | Overweight | $90 → $102 |
| 2026-07-29 | BMO Capital | Target raised | Outperform | $85 → $98 |
| 2026-07-29 | Barclays | Target raised | Equal-Weight | $80 → $85 |
| 2026-07-29 | Baird | Target raised | Outperform | $108 → $115 |
Total return (dividends reinvested) (TRU)
| 1Y (from 2025-10-16) | 5Y (from 2021-10-11) | |
|---|---|---|
| Total return | -4.7% | -34.2% |
| S&P 500 (SPY) | +18.1% | +85.1% |
| Per year | -4.8% | -8.0% |
| Volatility (annualized) | 41.6% | 41.3% |
| Max drawdown | -30.2% (Dec 2025→Sep 2026) | -62.9% (Dec 2021→Oct 2023) |
Key Statistics (as of October 16, 2026 at 05:05 UTC)
| Price | USD 74.12 |
|---|---|
| Change | ▲ 10.73% (up) |
| Previous Close | USD 66.94 |
| Open | USD 68.55 |
| Day Range | USD 67.5 – 74.17 |
| 52-Week Range | USD 60.96 – 89.12 |
| Volume | 4,511,792 shares |
| Market Cap | $14.20B |
| Exchange | NYQ |
Technical Analysis (TRU)
Nexqual's technical model rates TRU "NEUTRAL" based on 3 bullish and 3 bearish signals across 127 daily candles, as of October 16, 2026 at 05:05 UTC.
| Overall Signal | NEUTRAL |
|---|---|
| RSI (14) | 57.12 (neutral) |
| vs SMA50 | Below (USD 75.2) |
| MACD | -1.98 (negative) |
Analyst Ratings (TRU)
Wall Street analysts rate TRU "Buy" based on 22 analysts, with a mean price target of USD 90.14 (range USD 68–105), per Nexqual as of October 16, 2026 at 05:05 UTC.
| Consensus Rating | Buy |
|---|---|
| Analyst Count | 22 |
| Mean Target | USD 90.14 |
| High Target | USD 105 |
| Low Target | USD 68 |
| Buy / Hold / Sell | 17 / 5 / 0 |
Earnings (TRU)
| Next Earnings Date | 2026-10-27 |
|---|---|
| EPS Estimate | USD 1.21 |
| Revenue Estimate | $1.31B |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 1.23 vs est 1.15 ▲ beat |
| 2026-03-31 | USD 1.18 vs est 1.11 ▲ beat |
| 2025-12-31 | USD 1.07 vs est 1.03 ▲ beat |
| 2025-09-30 | USD 1.1 vs est 1.04 ▲ beat |
Source: Nexqual, October 16, 2026 at 05:05 UTC.
Financials & Fundamentals (TRU)
| Total Revenue | $4.90B |
|---|---|
| Revenue Growth (latest quarter, YoY) | +14.90% |
| Gross Margin | +58.73% |
| Operating Margin | +19.70% |
| Profit Margin | +15.08% |
| ROE | +15.63% |
| Debt / Equity | 1.13 |
| Current Ratio | 1.9 |
| Total Cash | $839.50M |
| Total Debt | $5.66B |
Source: Nexqual, October 16, 2026 at 05:05 UTC.
Financial Health Score (TRU)
Nexqual rates TransUnion's overall financial health "Solid" across five dimensions, as of October 16, 2026 at 05:05 UTC.
| Growth | Solid — Revenue +9% YoY (annual) |
|---|---|
| Profitability | Strong — Gross margin 59%, operating 20% |
| Balance Sheet | Mixed — $840M cash vs $5.66B debt |
| Cash Flow | Solid — Operating cash flow $1.10B (TTM) |
| Efficiency | Solid — ROE 16%, ROA 4.9% |
Ownership (TRU)
| Insider Ownership | +0.49% |
|---|---|
| Institutional Ownership | +114.22% |
| Shares Outstanding | 191.60M |
| Float | 190.47M |
| Short % of Float | +6.21% |
Source: Nexqual, October 16, 2026 at 05:05 UTC.
Leadership (TRU)
TransUnion is led by Christopher A. Cartwright (age 60), President, CEO & Director, per Nexqual as of October 16, 2026 at 05:05 UTC.
| President, CEO & Director | Christopher A. Cartwright (age 60) |
|---|---|
| Executive VP & CFO | Todd M. Cello (age 49) |
| Executive VP & COO | Tiffani L. Chambers (age 47) |
| Executive VP and Chief Technology, Data & Analytics Officer | Venkat Achanta (age 52) |
| Vice President of Investor Relations | Gregory R. Bardi C.F.A. |
Major Backers & Investors (TRU)
Notable institutional backers of TransUnion include Dodge & Cox Inc., Independent Franchise Partners, LLP, FMR, LLC, according to Nexqual as of October 16, 2026 at 05:05 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Dodge & Cox Inc. | 20.39% |
| Independent Franchise Partners, LLP | 7.29% |
| FMR, LLC | 6.11% |
| Massachusetts Financial Services Co. | 5.57% |
| T. Rowe Price | 5.34% |
| Wellington Management | 3.45% |
| Eaton Vance Growth Trust-Eaton Vance Atlanta Capital SMID-Cap Fund | 1.72% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| Vanguard Group | 15.8% |
| BlackRock | 13.41% |
| State Street | 3.71% |
Source: Nexqual, October 16, 2026 at 05:05 UTC.
From TransUnion's Latest SEC 10-K Filing (filed 2026-02-27)
Key Strengths & Strategy (as disclosed to the SEC)
- We believe we are the largest provider of scale in the United States to possess both nationwide consumer credit data and comprehensive, diverse public records data, which allows us to better predict behaviors, assess risk and address a broader set of business issues for our customers.
- TruValidate Integrated Solutions combines our fraud solutions including ML/AI models and delivery via a single application program interface ("API"), all built on a modernized tech stack.
- Deep and Specialized Industry Expertise We have deep expertise in a number of attractive industry verticals including Financial Services and Insurance.
- Markets and Customers We have a highly diversified customer base that includes companies across multiple industries, including Financial Services and Insurance.
Partnerships
- Our technology gives us the ability to process, organize and analyze high volumes of data across multiple operating systems, databases and file types as well as to deal with both structured and unstructured data that changes frequently.
- We have also completed development of POS and BNPL credit reporting solutions, delivering reporting capabilities and operational guidance, expanding attributes for future adoption, and continuing collaboration with regulators and industry partners to drive standards and innovation.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
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Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 16, 2026 at 05:05 UTC. This page is informational and not investment advice.
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