TransUnion (TRU) Stock Analysis
P/E 19.10×· 5Y range 7.94–69.89×· 34th percentile of history
Sector: Other · Industry: Services-Consumer Credit Reporting, Collection Agencies
AnalystsStrong Buy26 analystsStrengths
- ✓Piotroski F-Score 8/9 — high earnings quality
- ✓Revenue CAGR 11.5% — durable top-line growth
Risks
- ⚠Altman Z 1.8 — distress-zone balance sheet
What's happening with TRU
Price History
5-Year Weekly Candlestick Chart
Profile
Strong earnings quality; financial health and growth lag behind.
How is each axis scored?
- Valuation72/100 · Moderate
- P/E vs own history (34th pct)20/25
- FCF yield (5.3%)20/25
- P/S (2.8x)20/25
- EV/EBIT (21.4x)12/25
- Growth45/100 · Weak
- Revenue CAGR (11.5%)20/25
- Net income CAGR (-24.3%)0/25
- EPS CAGR 5Y (-24.7%)0/25
- Fwd implied growth (41.8%)25/25
- Profitability57/100 · Moderate
- ROIC (7.0%)5/25
- ROE (14.8%)12/25
- Net margin (14.9%)20/25
- Operating margin (17.9%)20/25
- Financial Health43/100 · Weak
- Altman Z (1.76)10/25
- Current ratio (1.93)18/25
- Interest coverage (4.9x)10/25
- Net cash / debt (D/A 40%)5/25
- Quality92/100 · Strong
- Piotroski F (8/9)25/25
- Beneish M (-2.63)25/25
- FCF conversion (99%)22/25
- Margin stability (σ 5.3%)20/25
About TransUnion
TransUnion, along with Equifax and Experian, is one of the three leading credit bureaus in the United States, providing the consumer information that is the basis for granting credit. Show more
The company also provides fraud detection, marketing, and analytical services. TransUnion operates in over 30 countries. About 20%-25% of its revenue comes from international markets.
Headquarters: CHICAGO, IL · Employees: 13,500 · Website ↗
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
Valuation
72B+P/E (TTM)19.1xB
Grade B: FairPrice / TTM EPS (own statements) — vs own 5Y history: 7.9x–69.9x · 34th pct
P/FCF16.8xB
Grade B: FairPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield5.3%A
Grade A: ValueTTM FCF / Market Cap — vs own 5Y history: -0.4%–5.6% · 99th pct
P/S (TTM)2.80xB
Grade B: FairPrice / TTM Revenue (own statements) — vs own 5Y history: 2.2x–7.6x · 2nd pct
EV/EBIT21.4xC
Grade C: ExpensiveEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 20.5x–159.9x · 2nd pct
EV/Sales3.7xB
Grade B: FairEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E13.5xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio2.79xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio1.50B
Grade B: FairFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield0.72%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio19.9%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
57CROIC7.0%D
Grade D: LowNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE14.8%C
Grade C: AverageReturn on Equity. Neg. equity = heavy buybacks
ROA6.3%C
Grade C: AverageReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin14.9%A
Grade A: HighNet Income / Revenue
Operating Margin17.9%C
Grade C: AverageTTM EBIT / TTM Revenue
Gross Margin59.1%A
Grade A: PremiumGross Profit / Revenue
FCF Margin14.7%C
Grade C: AverageFCF / Revenue
True FCF Margin11.5%C
Grade C: AverageTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
45D+Revenue CAGR11.5%C
Grade C: OkCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR-24.3%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)-24.7%D
Grade D: LowCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth41.8%A
Grade A: HighImplied 1Y EPS growth from forward P/E vs our TTM EPS. Sparse — only where forward estimates exist
Dilution (5Y)+1.0%B
Grade B: FlatShare count change over 5Y
SBC / Net Income21.7%D
Grade D: HighStock-based comp/Net income. >30% = dilution risk
SBC / Revenue3.2%C
Grade C: MedTTM stock-based comp / TTM Revenue
Financial Health
43D+Altman Z-Score1.76D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio1.93xC
Grade C: OkCurrent Assets/Liabilities
Quick Ratio1.63xA
Grade A: High(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage4.9xC
Grade C: OkEBIT/Interest. >10 Strong
Debt Repayment7.0yC
Grade C: AverageYears to repay net debt via FCF
Net Debt/EBIT5.7xD
Grade D: HighLeverage. <2x Low, >4x High
Debt/Equity1.18xC
Grade C: MedDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.13xD
Grade D: ThinCash covers how much of total debt. >1 = could repay all debt from cash
Quality
92A+Piotroski F-Score8/9A
Grade A: StrongFinancial strength 0–9. >7 Strong
Beneish M-Score-2.63A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion98.9%A
Grade A: StrongFCF / Net Income
Margin Stability5.3%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue6.8%C
Grade C: AverageTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.41xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
More metrics — Per Share, Balance Sheet, MarketHide additional metrics
Per Share
EPS (TTM)$3.62
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$4.45
Cash & short-term investments per share (Finnhub)
Book Value / Share$23.07
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$5.61B
Total debt obligations (short + long term)
Cash & Equiv.$732.50M
Cash and short-term investments
Net Debt$4.87B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$4.75B
Shareholders' equity (book value)
Asset / Liability1.69xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$13.25B
Current Market Capitalization
Beta1.59C
Grade C: VolatilePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
Takeaway
Takes ~7.0 years to repay net debt from free cash flow. · Current P/E of 19.1x sits at the 34th percentile of its historical range.
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Mar 2026 · Ratio snapshot Sep 27, 2026
Key Insights: TransUnion (TRU)
TRU is up 2.41% at the last close. TransUnion meets 8 of 9 Piotroski F-Score criteria, placing its fundamental strength in the top tier of US-listed stocks. Altman Z-Score of 1.76 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -2.63 suggests a low likelihood of earnings manipulation.
- Takes ~7.0 years to repay net debt from free cash flow.
- TransUnion posted a net loss in 1 of 10 available completed fiscal years (2016–2025).
- At a valuation score of 72/100, TRU trades near the cheapest end of its own historical range (P/E 19.1).
Insider Transactions
Recent SEC Form 4 filings · 8 records
| Transaction date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Abdelsadek Mohamed Filed | Abdelsadek Mohamed | SellOpen market sale | -1250 | |
Achanta Venkat Filed | Achanta Venkat | SellOpen market sale | -23287 | |
Ruebensaal Clayton F. Filed | Ruebensaal Clayton F. | BuyGrant / award | +6.0K | |
Skinner Todd C. Filed | Skinner Todd C. | SellOpen market sale | -1000 | |
CHAOUKI STEVEN M Filed | CHAOUKI STEVEN M | SellOpen market sale | -1000 |
Show 3 more filingsShow fewer filings
| Transaction date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Achanta Venkat Filed | Achanta Venkat | BuyGrant / award | +71.7K | |
Williams Jennifer A. Filed | Williams Jennifer A. | SellOpen market sale | -1070 | |
Zuiker Alicia Brooke Filed | Zuiker Alicia Brooke | SellTax withholding | -987 |
See how TRU ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all TRU moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Sep 24 | After-hours | 67.50 | -4.86% | -2.11 |
Frequently Asked Questions about TRU
What is the current TransUnion (TRU) stock price?
TRU is trading at $69.17 at the last market close, up 2.41% on the session. PreMarketPrice tracks TRU pre-market, intraday and after-hours prices.
Is TRU stock a buy right now?
PreMarketPrice's quantitative model rates TransUnion's financial health at 43/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is TRU stock overvalued?
TransUnion trades at a trailing P/E of 19.1 and our valuation score rates it 72/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does TransUnion report earnings?
No confirmed earnings date is currently scheduled for TRU. The Earnings section lists recent reports and updates as dates are announced.
What sector does TransUnion operate in?
TransUnion operates in the Other sector, within the Services-Consumer Credit Reporting, Collection Agencies industry. The Related Stocks section lists sector peers for comparison.
What does TransUnion do?
TransUnion, along with Equifax and Experian, is one of the three leading credit bureaus in the United States, providing the consumer information that is the basis for granting credit.
About TransUnion (TRU) Stock
TransUnion (TRU) is a US-listed stock operating in the Other sector, specifically the Services-Consumer Credit Reporting, Collection Agencies industry. As of the latest update, TransUnion is trading at $69.17, up 2.41% on the day with a market capitalization of $13.3 billion. The financial health score for TRU is 43/100, which indicates weak financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for TRU stock.
TRU Stock Analysis & Key Metrics
On PreMarketPrice, you can track TransUnion (TRU) across multiple dimensions:
- Pre-market price & movement: Real-time TRU stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for TRU with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for TransUnion across multiple reporting periods.
- Financial health score: A composite score of 43/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for TRU.
- Sector peers: Compare TRU against 10 other other stocks on key financial metrics.
Is TRU a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate TransUnion (TRU) as an investment. The financial health score of 43/100 suggests weak financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.TransUnion (TRU) trades on NYSE/NASDAQ. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.