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TRTRU

TransUnion

$TRU·$15B·Financial - Credit Services·Financial Services
$78.62-2.0%1Y-17.4%
Mentions · last 7 days
2026-07-24: 88 posts2026-07-25: 39 posts2026-07-26: 19 posts2026-07-27: 116 posts2026-07-28: 78 posts2026-07-29: 56 posts2026-07-30: 51 posts448
Price updated 5h ago·X counts updated 1d ago
TRTRU
$TRUTransUnion
$78.62-2.04%448 posts
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Top X posts

Today's AI verdict on what's driving $TRU, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersCooling offAI verdict · as of 2026-07-31

Catching its breath after a run — could pick back up or fade from here.

Credit bureau just beat Q2 by 6% but the officer selling is running fast — three consecutive beats and now the insider tape flipped.

TransUnion is one of the three global consumer-credit bureaus (Experian, Equifax, TransUnion), with the AI/consumer-analytics business now the growth lever offsetting a mature core-bureau franchise. The Q2 print was clean, but the insider tape signals caution.

  • The Q2 beat continued the trend: EPS $1.23 vs $1.16 consensus (a 6% surprise), revenue $1.31B (+15% YoY), operating margin 32% — the third-consecutive mid-single-digit EPS beat, meaning consensus has been consistently too low and the pattern points to another beat on Oct 22.
  • The insider selling is the caution: officer Mohamed Abdelsadek sold $2.0M on July 28, and directors Chaouki ($726K), Skinner ($73K), and Williams ($78K) all sold around July 1 — a coordinated selling cluster into the print. This is what disciplined vesting-and-selling looks like, but the scale of Abdelsadek's $2M sale is notable when the stock has run to the 47th percentile of its 52-week range.
  • The valuation is reasonable: at 21x trailing earnings and 3.1x sales, TransUnion trades in line with Equifax and slightly cheaper than Experian — consensus FY26 EPS of $4.82 and FY27 $5.56 puts forward P/E at ~17x, which is fair for a business growing revenue 15% and expanding margins.

The Oct 22 Q3 print is the next test — another beat plus continued AI/consumer-analytics revenue growth acceleration extends the trend. The insider selling cluster is not a red flag by itself, but it's what management does when they're comfortable letting the price digest — meaning near-term upside is likely capped by the officer distribution rather than driven by new positive catalysts.

What to watch: Oct 22 Q3 earnings — another mid-single-digit EPS beat plus continued AI/consumer-analytics revenue growth acceleration extends the trend. The officer selling cluster is not a red flag but caps near-term upside until it exhausts.

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

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What it does

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

TransUnion operates as a global consumer credit reporting agency that provides risk and information solutions. The company operates in two segments, U.S. Markets and International. The U.S. Markets segment provides credit reporting, credit marketing, analytics and consulting, identity verification, and authentication and debt recovery solutions for financial services industry; and onboarding and transaction processing products, scoring and analytic products, marketing solutions, fraud and identity management solutions, and customer retention solutions, as well select market-specific solutions for insurance, technology, retail and e-commerce, telecommunications, media, tenant and employment screening, collections, and public sectors. It also offers credit reports, scores, and freezes credit monitoring, identity protection and resolution, and financial management for consumers, as well as helps businesses respond to data breach events through its own websites, as well as channels. The International segment offers credit reports, analytics, technology solutions, and other value-added risk management services; consumer services, which helps consumers to manage their personal finances; credit bureaus; and consumer and business credit reporting, insurance and auto information solutions, and commercial credit information services. This segment serves customers in financial services, retail credit, insurance, automotive, collections, public sector, and communications industries through direct and indirect channels. The company was formerly known as TransUnion Holding Company, Inc. and changed its name to TransUnion in March 2015. TransUnion was founded in 1968 and is headquartered in Chicago, Illinois.

Industry overviewAI analysisGenerated by AI from underlying data

Where Financial - Credit Services sits in its cycle right now — and what that implies for $TRU.

Financial - Credit Services · Financial Services

No material change from last week — AI agents transacting autonomously on behalf of consumers could decouple purchase decisions from card rails, threatening the interchange fee model.

Industry benchmark

19-name peer basket
-0.1%YTD
-8.3%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 $1.23

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$4.82$4.77 – $4.8613
FY27$5.6B$5.5B – $5.9B$5.56$5.26 – $6.0916
FY28$6.0B$5.5B – $6.6B$6.46$5.91 – $6.8413
FY29$6.1B$5.8B – $6.3B$7.33$6.96 – $7.7412
FY30$6.5B$6.3B – $6.8B$7.51$7.13 – $7.936

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.0.8×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.47%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.+10.4%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.+5.0%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

SellJul 28Mohamed AbdelsadekEVP, Chief Global Solutions23.5K sh$2.0MSellJul 7Jennifer A. WilliamsSVP, Chief Accounting Officer972 sh$78KSellJul 1Todd C. SkinnerPresident1.0K sh$73KSellJul 1Steven M ChaoukiPresident10.0K sh$726KSellJun 1Todd C. SkinnerPresident1.0K sh$71KSellJun 1Steven M ChaoukiPresident5.0K sh$354KSellMay 29Heather J RussellEVP, Chief Legal Officer6.7K sh$480KSellMay 1Todd C. SkinnerPresident500 sh$36KSellMay 1Steven M ChaoukiPresident5.0K sh$360KSellApr 21Heather J RussellEVP, Chief Legal Officer2.0K sh$159K
1–10 of 15
+ 34 other (21 awards · 13 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
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Recent news

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

TransUnion (TRU) Shares Fall 4.1% -- What GF Score of 90 Tells Investorsgurufocus.com·1d agoTransUnion Stock Gains 8.4% Since Q2 Earnings & Revenue Beatzacks.com·1d agoWhy TransUnion (TRU) is a Top Momentum Stock for the Long-Termzacks.com·2d agoTransUnion Q2 Earnings Call Highlightsmarketbeat.com·3d agoTransUnion (TRU) Q2 2026 Earnings Call Transcriptseekingalpha.com·3d ago

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