TransUnion (TRU)

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.

Ticker
TRU
Exchange
NYSE
Sector
Financial Services
Industry
Financial Data & Stock Exchanges
Market cap
$15.48B
52-week range
$60.96 - $89.12

Valuation

Share price
$81.18 (close of Nov 6, 2026)
P/E (TTM)
19.56x
Price to book
3.10x
Price to free cash flow
17.01x
Enterprise value
$20.12B
Book value per share
$26.22

Price performance

PeriodChange
1 day-2.09%
5 days+5.72%
1 month+28.00%
3 months+2.50%
6 months+14.82%
Year to date-5.33%
1 year+2.76%
3 years+60.43%
5 years-28.58%
10 years+161.87%
All time+219.61%

Short interest

As of
Oct 15, 2026
Short % of float
7.35%
Shares short
13.93M
Days to cover
4.31
Change since prior report
+17.56%
Source
FINRA consolidated short interest

Profitability and growth

Return on equity
10.02%
Return on invested capital
7.06%
Return on assets
4.10%
Return on capital employed
8.61%
Gross margin
46.38%
Net margin
9.95%
EBITDA margin
31.30%
Revenue growth
9.38%
Net income growth
60.13%
Free cash flow growth
28.04%

Cash flow and balance sheet

Free cash flow yield (TTM)
5.88%
Current ratio
2.03x
Net debt to EBITDA
2.49x

Latest reported year

Period end
Dec 31, 2025
Fiscal year
2025
Revenue
$4.58B
Cost of revenue
$2.45B
Gross profit
$2.12B
EBITDA
$1.43B
Net income
$455.40M
Earnings per share
$2.34
Interest expense
$235.80M
Shares outstanding
194.40M

Income statement by year

Period endRevenueGross profitNet incomeEPS
2025-12-31$4.58B$2.12B$455.40M$2.34
2024-12-31$4.18B$1.91B$284.40M$1.46
2023-12-31$3.83B$1.30B-$206.20M-$1.07
2022-12-31$3.71B$1.81B$266.30M$1.38
2021-12-31$2.96B$1.56B$1.39B$7.26
2020-12-31$2.53B$1.33B$343.20M$1.81
2019-12-31$2.46B$1.32B$346.90M$1.85
2018-12-31$2.32B$1.22B$276.60M$1.50
2017-12-31$1.93B$1.05B$441.20M$2.42
2016-12-31$1.70B$860.60M$120.60M$0.66

Margins and returns by year

Period endGross marginNet marginReturn on equityReturn on capital
2025-12-3146.38%9.95%10.02%7.06%
2024-12-3145.56%6.80%6.59%5.96%
2023-12-3133.93%-5.38%-5.02%0.88%
2022-12-3148.67%7.18%6.24%5.04%
2021-12-3152.73%46.97%34.70%4.94%
2020-12-3152.56%13.56%13.02%6.77%
2019-12-3153.55%14.08%14.83%7.76%
2018-12-3152.66%11.94%13.95%7.59%
2017-12-3154.30%22.82%24.18%10.83%
2016-12-3150.48%7.07%8.19%5.89%

Cash and debt by year

Period endCashDebt
2025-12-31$853.60M$5.10B
2024-12-31$679.50M$5.15B
2023-12-31$476.20M$5.34B
2022-12-31$585.30M$5.56B
2021-12-31$1.84B$6.25B
2020-12-31$492.70M$3.40B
2019-12-31$273.60M$3.60B
2018-12-31$186.70M$3.98B
2017-12-31$115.80M$2.35B
2016-12-31$182.20M$2.33B

Free cash flow by year

Period endFree cash flowStock-based compensation
2025-12-31$661.60M$145.60M
2024-12-31$516.70M$121.20M
2023-12-31$334.70M$100.30M
2022-12-31-$1.00M$82.80M
2021-12-31$584.10M$69.20M
2020-12-31$582.00M$44.30M
2019-12-31$588.50M$48.30M
2018-12-31$375.60M$57.90M
2017-12-31$330.50M$33.10M
2016-12-31$265.90M$24.40M

Dividend history

Most recent payment
Aug 20, 2026
Paid in the last twelve months
$0.49
Payment dateDividend per share
2026-08-20$0.13
2026-05-27$0.13
2026-02-26$0.13
2025-11-21$0.12
2025-08-22$0.12
2025-05-22$0.12
2025-02-27$0.12
2024-11-22$0.10

Investor relations

Past earnings dates

ReportedFiscal periodEPS estimate
2026-10-27Sep 2026$1.06
2026-07-28Jun 2026$0.99
2026-04-28Mar 2026$0.97
2026-02-12Dec 2025$0.89
2025-10-23Sep 2025$0.90
2025-07-24Jun 2025$0.88
2025-04-24Mar 2025$0.86
2025-02-13Dec 2024$0.84

Filings and sources

Company website
transunion.com
SEC filings
10-K, 10-Q and 8-K on EDGAR
Earnings calendar
All upcoming reports

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