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TRTRU

TransUnion

$TRU·$15B·Financial - Data & Stock Exchanges·Financial Services
$77.34-1.9%YTD-9.7%1Y-11.7%
Price updated 9m ago·X counts updated 3d ago
TRTRU
$TRUTransUnion
$77.34-1.89%296 posts0.8×
AI analysisFundamentalsVoices on X
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On X

The complete picture of $TRU on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

296X posts · last 7 days
Aug 30Sep 12
Chatter Meter
0.8×
QuietNormal · 1×Loud

How loud $TRU's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's about its usual level.

Mixed sentiment⚠AI analysisGenerated by AI from underlying data8 posts analyzed · as of 2026-09-11 · top-engagement diverged

TransUnion is mixed on X — -11.4% premarket on FHFA bi-merge scoring shift alongside FICO/EFX. Contrarian angle: TRU owns VantageScore, potentially the real play at -10%; long-term bull case for bureaus intact but immediate tape brutal.

Read what X is saying about $TRU

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
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AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $TRU — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Proven numbersStalledAI verdict · as of 2026-09-15

The move has stalled — likely just drifts unless something new shows up.

TransUnion took a bureau-industry hit on FHFA bi-merge — the contrarian angle is VantageScore ownership.

TransUnion is one of the three US credit bureaus (with Equifax and Experian) providing consumer credit data to lenders. Recent FHFA scoring changes hit the whole group, but TRU's VantageScore ownership positions it differently.

  • The FHFA bi-merge shift was material: on Sept 4 the FHFA formally shifted to a bi-merge scoring model (down from tri-merge) for GSE originations — that mechanically compresses per-loan bureau revenue, and TRU dropped -11% premarket alongside FICO/EFX; this is a sector re-rating, not a company-specific problem.
  • VantageScore is now the interesting contrarian angle: TRU owns VantageScore — which the FHFA formally approved on Sept 4 for all lenders originating Fannie/Freddie mortgages — so while credit-bureau data revenue is under pressure, the alternate-score revenue could offset it, though the size and margin dynamics need to be understood.
  • The core financials are still working: Q2 revenue grew 15% YoY to $1.31B with a 32% operating margin, and 2027 EPS consensus of $5.60 puts the forward multiple at 14x — a bureau at 14x with 15% growth is cheap unless the FHFA change is permanently mispricing the model.

What breaks the stall is Oct 22 earnings quantifying the VantageScore revenue opportunity — a specific management framing of VantageScore-driven revenue-recapture restarts the story; another quarter of unquantified bureau-headwind commentary extends the stall.

Agrees with X sentimentX's contrarian-angle read on VantageScore ownership is the correct way to think about the FHFA shift — the immediate tape hurt the bureau but the alternate-score angle is genuine, and the crowd is right to flag it as the mispricing thesis.

What to watch: Oct 22 earnings — management quantification of VantageScore revenue opportunity; a specific bull framing restarts the run, another quarter of vague headwind commentary extends the stall.

On the calendar: 2026-10-22 — Q3 earnings

Read the AI verdict on $TRU

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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What it does

Plain-English summary of the business — what they sell and how they make money.

Consumer credit bureau and data analytics company providing credit risk, fraud detection, and identity verification solutions to businesses globally.

Industry overviewAI analysisGenerated by AI from underlying data

Where Financial - Data & Stock Exchanges sits in its cycle right now — and what that implies for $TRU.

Financial - Data & Stock Exchanges · Financial Services

Nasdaq's $100M Kraken bet signals the 24/7-market infrastructure race is live; exchange platforms benefit from sustained derivatives volumes driven by rate uncertainty. COIN's stablecoin push into 1,000 community banks expands the crypto custody market beyond exchange fees.

What this means for $TRU

Neutral — credit bureau and fraud-detection analytics grow with consumer lending; regulatory scrutiny on data monetization is a modest headwind.

Industry benchmark

7-name peer basket
-7.5%YTD
-11.4%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
21.0How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
8.9%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
22.1%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
5.1%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
3.1Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
18.3%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
55.8%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
1.2Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Jul 28, 2026$1.23$1.16+6.0%
Q1 2026Apr 28, 2026$1.18$1.11+6.3%
Q4 2025Feb 12, 2026$1.07$1.03+3.9%
Q3 2025Oct 23, 2025$1.10$1.04+5.8%
Next earningsThu, Oct 22·consensus EPS $1.21

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q2 FY26$1.3B+14.9%58.4%32.0%$0.75$305.7M
Q1 FY26$1.2B+13.7%58.3%19.7%$2.06$19.0M
Q4 FY25$1.2B+13.0%59.3%17.4%$0.52$222.8M
Q3 FY25$1.2B+7.8%46.5%18.2%$0.50$240.4M

Forward consensus

5-year forecast · up to 16 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$5.2B$5.1B – $5.2B$4.84$4.74 – $4.9416
FY27$5.6B$5.5B – $5.9B$5.60$5.31 – $6.1016
FY28$6.0B$5.6B – $6.6B$6.49$5.90 – $6.8213
FY29$6.1B$5.9B – $6.4B$7.35$7.02 – $7.7411
FY30$6.5B$6.3B – $6.8B$7.51$7.18 – $7.916

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.1.1×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.48%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.-1.5%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+3.1%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatMid float · 190.4M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today1.1% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β1.545-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellSep 10Venkat AchantaEVP, Chief Tech, Data & Analy.23.3K sh$1.8MSellSep 1Todd C. SkinnerPresident1.0K sh$84KSellSep 1Steven M ChaoukiPresident1.0K sh$84KSellAug 31Jennifer A. WilliamsSVP, Chief Accounting Officer1.1K sh$90KSellAug 11Zuiker Alicia BrookeEVP, CHRO8.7K sh$681KSellAug 3Todd C. SkinnerPresident950 sh$76KSellAug 3Steven M ChaoukiPresident1.0K sh$80KSellJul 28Mohamed AbdelsadekEVP, Chief Global Solutions23.5K sh$2.0MSellJul 7Jennifer A. WilliamsSVP, Chief Accounting Officer972 sh$78KSellJul 1Steven M ChaoukiPresident10.0K sh$726K
1–10 of 19
+ 38 other (19 awards · 19 inkinds) in window

See when $TRU insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KPress release / Reg FDJul 288-K — Item 2.02: Earnings release · Item 7.01: Press release / Reg FD
AI summary

TransUnion (TRU) reported Q2 FY2026 earnings via press release (Exhibit 99.1) furnished July 28, 2026, and furnished a slide presentation (Exhibit 99.2) used in the Q2 earnings conference call. No financial figures appear in the 8-K body itself. This is a routine quarterly earnings disclosure for this credit data and analytics company.

3New insider — initial holdingsJun 183
AI summary

TransUnion (TRU) filed a Form 3 for a newly appointed insider as of June 18, 2026, holding no securities of the issuer at the time of filing. Filed via attorney-in-fact Rachel Mantz. This is a routine initial insider ownership disclosure for a new executive or director.

8-KShareholder voteMay 158-K — Item 5.07: Shareholder vote
8-KPress release / Reg FDApr 288-K — Item 2.02: Earnings release · Item 7.01: Press release / Reg FD
+ 14 other (9 13Gs · 2 10-Qs · 2 proxys · 1 ARS) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

California State Teachers Retirement System Has $1.64 Billion Stock Holdings in TransUnion $TRUdefenseworld.net·4d agoTransUnion to Present at 2026 Barclays Global Financial Services Conferenceglobenewswire.com·5d agoSix in 10 Organizations Experienced at Least One Material Cyberattack in the Past 18 Monthsglobenewswire.com·6d agoHere's Why TransUnion (TRU) is a Strong Value Stockzacks.com·7d agoTransUnion Stock Tumbles Friday: What's Driving the Action?benzinga.com·11d ago

In themes

Explore the broader themes this ticker is being talked about under.

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Voices on X · last 7 days

No standout posts about $TRU on X in the last 7 days.

TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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