Stock Analysis
TransUnionTRU
P/E 19.23×· 5Y range 7.94–69.89×· 36th percentile of history
Sector: Financial Services · Industry: Credit Services
AnalystsStrong Buy26 analystsP/E 19.2× sits at the 36th percentile of its 5.0513347022587265-year history.
Cash covers 17% of debt · FY 2025.
PMP Verdict
Mixed fundamentals, fairly valued
Strengths
- Quality100
- Profitability72
Risks
- Growth45
Mixed picture — no clear quality or value edge.
Bull Case
- ✓Piotroski F-Score 8/9 — high earnings quality
- ✓ROE 16.6% — efficient capital deployment
- ✓Revenue CAGR 11.5% — durable top-line growth
What's happening with TRU
Profile
Strong earnings quality; moat and growth lag behind.
How is each axis scored?
- Valuation72/100 · Moderate
- P/E vs own history (36th pct)20/25
- FCF yield (5.6%)20/25
- P/S (2.9x)20/25
- EV/EBIT (20.2x)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 (42.8%)25/25
- Profitability72/100 · Moderate
- ROIC (8.3%)12/25
- ROE (16.6%)20/25
- Net margin (15.1%)20/25
- Operating margin (18.7%)20/25
- Financial Health51/100 · Moderate
- Altman Z (2.43)18/25
- Current ratio (1.75)18/25
- Interest coverage (2.5x)10/25
- Net cash / debt (D/A 38%)5/25
- Quality100/100 · Strong
- Piotroski F (8/9)25/25
- Beneish M (-2.58)25/25
- FCF conversion (107%)25/25
- Margin stability (σ 4.6%)25/25
- Moat43/100 · Weak
- ROIC >12% years (0/10 yrs)0/25
- Median gross margin (65.5%)25/25
- FCF-positive years (9/10 yrs)18/25
- Worst-year net margin (worst -5.4%)0/25
Risk Flags
- ⚠Interest coverage 2.5× — thin debt cushion
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 ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
72B+P/E (TTM)19.2xB
Grade B: FairPrice / TTM EPS (own statements) — vs own 5Y history: 7.9x–69.9x · 36th pct
P/FCF17.8xB
Grade B: FairPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield5.6%A
Grade A: ValueTTM (OCF − CapEx) / Market Cap — vs own 5Y history: -0.4%–6.7% · 98th pct
P/S (TTM)2.90xB
Grade B: FairPrice / TTM Revenue (own statements) — vs own 5Y history: 2.2x–7.6x · 6th pct
EV/EBIT20.2xC
Grade C: ExpensiveEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 18.1x–159.9x · 1st pct
EV/Sales3.8xB
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 Ratio3.20xC
Grade C: ExpensivePrice 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 Yield0.68%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio12.9%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
72B+ROIC8.3%C
Grade C: AverageNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE16.6%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 Margin15.1%A
Grade A: HighNet Income / Revenue
Operating Margin18.7%C
Grade C: AverageTTM EBIT / TTM Revenue
Gross Margin55.2%A
Grade A: PremiumGross Profit / Revenue
FCF Margin16.1%A
Grade A: HighFCF / Revenue
True FCF Margin13.0%A
Grade A: HighTTM (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 Growth42.8%A
Grade A: HighAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-0.6%B
Grade B: FlatShare count change over 5Y
SBC / Net Income20.5%D
Grade D: HighStock-based comp/Net income. >30% = dilution risk
SBC / Revenue3.1%C
Grade C: MedTTM stock-based comp / TTM Revenue
Financial Health
51CAltman Z-Score2.43C
Grade C: Gray zoneBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio1.75xC
Grade C: OkCurrent Assets/Liabilities
Quick Ratio1.76xA
Grade A: High(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage2.5xD
Grade D: RiskyEBIT/Interest. >10 Strong
Debt Repayment5.4yC
Grade C: AverageYears to repay net debt via FCF
Net Debt/EBIT4.7xD
Grade D: HighLeverage. <2x Low, >4x High
Debt/Equity1.15xC
Grade C: MedDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.17xD
Grade D: ThinCash covers how much of total debt. >1 = could repay all debt from cash
Quality
100A+Piotroski F-Score8/9A
Grade A: StrongFinancial strength 0–9. >7 Strong
Beneish M-Score-2.58A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion106.7%A
Grade A: StrongFCF / Net Income
Margin Stability4.6%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue6.4%C
Grade C: AverageTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.42xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Bernholz Malte H Filed | Bernholz Malte H | Grant / award | +123.8K | |
Abdelsadek Mohamed Filed | Abdelsadek Mohamed | SellOpen market sale | -250 | |
Skinner Todd C. Filed | Skinner Todd C. | SellOpen market sale | -1000 | |
Abdelsadek Mohamed Filed | Abdelsadek Mohamed | SellOpen market sale | -1250 | |
Achanta Venkat Filed | Achanta Venkat | SellOpen market sale | -23287 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Ruebensaal Clayton F. Filed | Ruebensaal Clayton F. | Grant / 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 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
43D+ROIC >12% Years0/10 yrsD
Grade D: WeakShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)65.5%A
Grade A: DurableMedian annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years9/10 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor-5.4%D
Grade D: WeakWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$3.85
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$4.38
Cash & short-term investments per share (Finnhub)
Book Value / Share$25.28
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$5.10B
Total debt obligations (short + long term)
Cash & Equiv.$853.60M
Cash and short-term investments
Net Debt$4.25B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$4.44B
Shareholders' equity (book value)
Asset / Liability1.69xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$14.19B
Current Market Capitalization
Beta1.62C
Grade C: VolatilePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
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 Jun 2026 · Ratio snapshot Oct 16, 2026
Key Insights: TransUnion (TRU)
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 2.43 falls in the grey zone (1.81–2.99) — financial distress is unlikely but not ruled out. Beneish M-Score of -2.58 suggests a low likelihood of earnings manipulation. TransUnion converts about 16% of revenue into free cash flow — strong cash generation.
- Takes ~5.4 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 19.2).
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 |
|---|---|---|---|---|
| Oct 15 | Regular | 73.10 | +9.19% | 3.91 |
| Oct 15 | After-hours | 74.50 | +11.29% | 4.71 |
| 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 $74.08 in after-hours trading, down 0.05% 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 51/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is TRU stock overvalued?
TransUnion trades at a trailing P/E of 19.2 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 Financial Services sector, within the Credit Services 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 Financial Services sector, specifically the Credit Services industry. As of the latest update, TransUnion is trading at $74.08, down 0.05% on the day with a market capitalization of $14.2 billion. The financial health score for TRU is 51/100, which indicates moderate 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 51/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for TRU.
- Sector peers: Compare TRU against 6 other financial services 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 51/100 suggests moderate 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. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.