📊 TRU Key Takeaways
Is TransUnion (TRU) a Good Investment?
TransUnion demonstrates solid revenue growth (+9.4% YoY) and exceptionally high net margins (31.9%), but faces fundamental concerns about cash generation quality and financial leverage. The severe disconnect between net income ($397.1M) and operating cash flow ($84.2M), combined with high debt-to-equity ratio (1.14x) and weak interest coverage (1.8x), indicates potential earnings quality issues and limited financial flexibility.
TransUnion Key Strengths (TRU)
- Solid revenue growth of 9.4% YoY demonstrating market demand
- Exceptionally high net profit margin of 19.7% operating margin and 31.9% net margin
- Strong liquidity position with current ratio of 1.93x and $732.5M cash
TRU Stock Risks: TransUnion Investment Risks
- Severe earnings quality concern: Operating cash flow ($84.2M) is only 21% of net income ($397.1M), suggesting non-cash earnings or potential accounting issues
- Critically weak free cash flow generation at only 1.5% of revenue ($19.0M), insufficient to service high debt burden or fund growth
- High leverage with debt-to-equity of 1.14x combined with weak interest coverage of 1.8x creates financial fragility and limits strategic flexibility
Key Metrics to Watch
- Operating cash flow trend and reconciliation with net income (quality of earnings)
- Interest coverage ratio - critical given $5.4B debt load
- Free cash flow generation capacity and sustainability for debt service
TransUnion (TRU) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The relatively thin 1.5% FCF margin may limit capital allocation flexibility.
TRU Profit Margin, ROE & Profitability Analysis
TRU vs Finance Sector: How TransUnion Compares
How TransUnion compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is TransUnion Stock Overvalued? TRU Valuation Analysis 2026
Based on fundamental analysis, TransUnion appears fundamentally strong relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
TransUnion Balance Sheet: TRU Debt, Cash & Liquidity
TRU Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: TransUnion's revenue has grown significantly by 55% over the 5-year period, indicating strong business expansion. The most recent EPS of $-1.07 indicates the company is currently unprofitable.
TRU Revenue Growth, EPS Growth & YoY Performance
TRU Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $1.1B | $148.1M | $0.75 |
| Q3 2025 | $1.1B | $68.0M | $0.35 |
| Q2 2025 | $1.0B | $85.0M | $0.44 |
| Q1 2025 | $1.0B | $65.1M | $0.33 |
| Q3 2024 | $968.7M | $68.0M | $0.35 |
| Q2 2024 | $968.0M | $53.9M | $0.28 |
| Q1 2024 | $940.3M | $52.6M | $0.27 |
| Q3 2023 | $938.2M | $79.2M | $0.41 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
TransUnion Dividends, Buybacks & Capital Allocation
TRU SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for TransUnion (CIK: 0001552033)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| May 19, 2026 | 4 | xslF345X06/wk-form4_1779225423.xml | View → |
| May 19, 2026 | 4 | xslF345X06/wk-form4_1779225387.xml | View → |
| May 19, 2026 | 4 | xslF345X06/wk-form4_1779225348.xml | View → |
| May 19, 2026 | 4 | xslF345X06/wk-form4_1779225297.xml | View → |
| May 19, 2026 | 4 | xslF345X06/wk-form4_1779225249.xml | View → |
❓ Frequently Asked Questions about TRU
What is the AI rating for TRU?
TransUnion (TRU) has an AI grade of B with 68% confidence, based on fundamental analysis of SEC EDGAR filings.
What are TRU's key strengths?
Claude: Solid revenue growth of 9.4% YoY demonstrating market demand. Exceptionally high net profit margin of 19.7% operating margin and 31.9% net margin.
What are the risks of investing in TRU?
Claude: Severe earnings quality concern: Operating cash flow ($84.2M) is only 21% of net income ($397.1M), suggesting non-cash earnings or potential accounting issues. Critically weak free cash flow generation at only 1.5% of revenue ($19.0M), insufficient to service high debt burden or fund growth.
What is TRU's revenue and growth?
TransUnion reported revenue of $1.2B.
Does TRU pay dividends?
TransUnion pays dividends, with $25.0M distributed to shareholders in the trailing twelve months.
Where can I find TRU SEC filings?
Official SEC filings for TransUnion (CIK: 0001552033) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is TRU's EPS?
TransUnion has a diluted EPS of $2.04.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is TRU's fundamental grade?
Based on our AI fundamental analysis in June 2026, TransUnion has a B grade with 68% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is TRU stock overvalued or undervalued?
Valuation metrics for TRU: ROE of 8.4% (sector avg: 12%), net margin of 31.9% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is TRU's AI grade for 2026?
Our dual AI analysis gives TransUnion a combined B grade for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is TRU's free cash flow?
TransUnion's operating cash flow is $84.2M, with capital expenditures of $65.2M. FCF margin is 1.5%.
How does TRU compare to other Finance stocks?
Vs Finance sector averages: Net margin 31.9% (avg: 25%), ROE 8.4% (avg: 12%), current ratio 1.93 (avg: 1.2).