# TransUnion (TRU)

> Source: Nexqual · https://nexqual.com/TRU · data as of 2026-10-15 20:03 UTC · cite as "Nexqual, TransUnion (TRU), nexqual.com/TRU" · informational, not investment advice.

**Price:** USD 74.12 (+10.73% on the day) · last close of Oct 15, 2026; US market closed, not a live price. Prev close 66.94 · day 67.5–74.17 · 52w 60.96–89.12 · market cap $14.2B · NYQ

## Key facts
- 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.
- 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)
| 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)
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)
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% |

## Analysts
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)
|  | 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) |

## Peers (Financial Data & Stock Exchanges)
FDS (FactSet Research Systems Inc.) USD 301.83 +3.79% · MORN (Morningstar, Inc.) USD 209.24 +2.38% · CBOE (Cboe Global Markets, Inc.) USD 308.09 +5.42% · MSCI (MSCI Inc.) USD 575.09 +2.54% · COIN (Coinbase Global, Inc.) USD 183.81 +1.11% · NDAQ (Nasdaq, Inc.) USD 93.5 +0.02%

## More
Full page: https://nexqual.com/TRU · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt