📊 TRU Key Takeaways
Is TransUnion (TRU) a Good Investment?
TransUnion demonstrates solid operational fundamentals with 9.4% revenue growth and exceptional free cash flow generation of $661.6M, providing a stable foundation for the credit reporting business model. However, net income declined 3.1% despite revenue growth, signaling margin pressure that requires monitoring amid its 1.15x debt-to-equity leverage position.
Why Buy TransUnion Stock? TRU Key Strengths
- Strong revenue growth of 9.4% YoY reflects expanding market demand in credit reporting services
- Exceptional free cash flow of $661.6M with 14.5% FCF margin demonstrates high-quality, cash-generative earnings
- Healthy operating margin of 18.7% and solid interest coverage ratio of 6.3x indicate operational efficiency and debt serviceability
- Good liquidity position with 1.75x current ratio supports operational flexibility
TRU Stock Risks: TransUnion Investment Risks
- Net income declined 3.1% YoY despite 9.4% revenue growth, indicating margin compression or cost inflation
- Elevated leverage with $5.1B long-term debt against $4.4B stockholders' equity creates refinancing risk in rising rate environment
- Declining profitability trend may constrain dividend capacity and future growth investments if not reversed
Key Metrics to Watch
- Operating margin trend - watch for continued compression vs. revenue growth
- Free cash flow sustainability and capital allocation decisions
- Debt reduction progress and leverage ratio improvement toward lower targets
TransUnion (TRU) Financial Metrics & Key Ratios
💡 AI Analyst Insight
TransUnion presents a mixed fundamental picture. Review the detailed metrics above to form your own investment thesis.
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 has mixed fundamental signals 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 |
|---|---|---|---|
| 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 |
| Q2 2023 | $948.3M | $53.9M | $0.28 |
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
❓ Frequently Asked Questions about TRU
What is the AI rating for TRU?
TransUnion (TRU) has an AI rating of BUY with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are TRU's key strengths?
Claude: Strong revenue growth of 9.4% YoY reflects expanding market demand in credit reporting services. Exceptional free cash flow of $661.6M with 14.5% FCF margin demonstrates high-quality, cash-generative earnings.
What are the risks of investing in TRU?
Claude: Net income declined 3.1% YoY despite 9.4% revenue growth, indicating margin compression or cost inflation. Elevated leverage with $5.1B long-term debt against $4.4B stockholders' equity creates refinancing risk in rising rate environment.
What is TRU's revenue and growth?
TransUnion reported revenue of $4.6B.
Does TRU pay dividends?
TransUnion pays dividends, with $90.5M 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 $2.32.
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 rating reflects both perspectives for balanced insights.
Is TRU a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, TransUnion has a BUY rating with 72% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is TRU stock overvalued or undervalued?
Valuation metrics for TRU: ROE of 10.3% (sector avg: 12%), net margin of 10.0% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy TRU stock in 2026?
Our dual AI analysis gives TransUnion a combined BUY rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is TRU's free cash flow?
TransUnion's operating cash flow is $987.6M, with capital expenditures of $326.0M. FCF margin is 14.5%.
How does TRU compare to other Finance stocks?
Vs Finance sector averages: Net margin 10.0% (avg: 25%), ROE 10.3% (avg: 12%), current ratio 1.75 (avg: 1.2).