TransUnionTRU
NYSE•Financial Services•Financial Data & Stock Exchanges
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.
TransUnion (TRU) reported trailing twelve months revenue of $4.73B as of March 2026, a 11.0% increase year-over-year. Quarterly revenue reached $1.25B, reflecting continued top-line momentum.
TransUnion generated $704.40M in TTM net income, with quarterly EBITDA of $397.10M. The operating margin contracted from 23.2% to 19.7%, suggesting rising cost pressures or pricing headwinds.
The spread between operating margin (19.7%) and net margin (31.9%) indicates tight cost control with minimal non-operating drag. Net margin has improved from 13.5% a year ago, signaling stronger bottom-line efficiency.
TRU trades at a P/E of 18.2x (in line with broad market averages) and a P/S of 2.7x. The price-to-book ratio of 2.7x reflects a moderate premium to book value.
The company generated $19.00M in free cash flow over the trailing twelve months, a 219.5% increase year-over-year, indicating cash generation ability. The balance sheet shows $12.05B in total assets with $5.40B in long-term debt against $4.75B in stockholders equity for a debt-to-equity ratio of 1.1. Data based on the most recent quarterly reports.
Competitive analysis based on 21 quarters of fundamental data
Operating margins are stable at ~17.9%, suggesting durable pricing power and cost discipline.
ROE is low or negative, suggesting limited competitive advantage or capital allocation challenges.
Free cash flow is consistently positive and growing — a hallmark of a capital-light business that can self-fund growth.
TTM revenue has grown consistently (7 of 7 quarters up), with ~18.6% growth over the period. Strong demand durability.
Data-driven red flags and warnings across 21 quarters
Margins are stable or improving at ~17.9% — no sign of cost or pricing stress.
FCF covers net income by 1.7x on average — earnings are well-supported by cash generation.
D/E ratio is 1.1 — conservative capital structure with low financial risk.
Revenue is stable or growing over recent quarters — demand appears durable.
Free cash flow is consistently positive — the business self-funds without external capital reliance.
Share count is stable — no significant dilution or buyback activity.
Quarterly standardized metrics.
Stock price and market valuation
Revenue and earnings growth across quarters
Assets, cash, debt, and leverage
Price multiples and return ratios
Operating efficiency and return metrics
Free cash flow, earnings quality, and capital allocation