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TRTRU

TransUnion

$TRU·$13B·Financial - Data & Stock Exchanges·Financial Services
$66.19-4.3%YTD-23.0%1Y-22.3%
Price updated 11h ago·X counts updated 1d ago
TRTRU
$TRUTransUnion
$66.19-4.31%61 posts1×
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.

61X posts · last 7 days
Sep 11Sep 27
Chatter Meter
1×
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, louder than 71% of tracked names.

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 numbersSelling offAI verdict · as of 2026-09-29

Falling on heavy selling — points lower unless it turns around.

TransUnion: -23% YTD at 11% of 52w range after -11.4% premarket on FHFA bi-merge scoring shift — CFO transition Sept 23 adds noise.

TransUnion is the consumer credit reporting agency (VantageScore JV) at $66 after -23% YTD. FHFA bi-merge scoring shift crushed TRU/FICO/EFX with -11.4% premarket move. CFO transition announced Sept 23. Q2 EPS $1.23 beat by 6% (Q1 +6%, Q4 2025 +4%, Q3 +6%).

The tension in one line:

  • FHFA rule shift is real risk: 'bi-merge scoring shift' cuts required credit-report pulls in mortgage originations — a structural revenue-mix hit that hurts all three bureaus; TRU's -11.4% single-day drop reflects that math directly.
  • Beat cadence intact: four consecutive 4-6% EPS beats, Q1 revenue +13.7% YoY, Q2 +14.9% — the operating side keeps working through the sector rotation; 2027 analyst EPS $5.61 implies 12x forward.
  • Multiple management-side change: CFO transition Sept 23 plus new Chief Strategy Officer Sept 28 (Malte Bernholz) plus multiple insider sales in September ($100K-$1.8M) — management-side reshuffling at a fraught moment.

The bull path is Oct 22 Q3 print ($1.21 EPS est) confirming revenue growth plus specific VantageScore-through-FHFA framing showing an offset. The bear path is another regulatory/FHFA shock. Watch Oct 22 and CFO succession details.

Agrees with X sentimentX sentiment is mixed with -11.4% premarket framing plus a real contrarian angle: TRU owns VantageScore which could be the actual FHFA-shift beneficiary (long-term bull thesis intact). Both sides are structurally defensible — the near-term revenue-mix hit is real; the VantageScore optionality is a specific long-term counter.

What to watch: Oct 22 Q3 print ($1.21 EPS est) — U.S. Markets segment revenue, any VantageScore-through-FHFA revenue commentary, and CFO-transition specifics. Continued insider selling patterns.

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

management transitionregulatory shift

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

No material change from last week — COIN cited as bullish setup with CEO forecasting $400K Bitcoin by 2030.

What this means for $TRU

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

Industry benchmark

7-name peer basket
-9.9%YTD
-11.3%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 $1.21

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$4.85$4.75 – $4.8914
FY27$5.6B$5.4B – $5.9B$5.61$5.33 – $6.1216
FY28$6.0B$5.6B – $6.6B$6.49$5.92 – $6.8513
FY29$6.1B$5.9B – $6.4B$7.35$7.03 – $7.7311
FY30$6.5B$6.3B – $6.8B$7.51$7.19 – $7.906

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.1.5×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.11%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.-16.0%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.-12.8%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

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 14Mohamed AbdelsadekEVP, Chief Global Solutions1.3K sh$99KSellSep 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$78K
1–10 of 19
+ 37 other (19 awards · 18 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-KOfficer or director changeSep 238-K — Item 5.02: Officer or director change · Item 7.01: Press release / Reg FD
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
+ 10 other (8 13Gs · 2 10-Qs) in window

Recent news

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

TransUnion Appoints Malte Bernholz as Chief Strategy and Corporate Development Officerglobenewswire.com·1d agoCan OneTru Help TransUnion Sustain Its Growth Momentum?zacks.com·4d agoTransUnion Announces Chief Financial Officer Transitionglobenewswire.com·6d ago3 Stocks to Consider From the Booming Business Information Industryzacks.com·8d agoHere's Why TransUnion (TRU) is a Strong Growth Stockzacks.com·11d ago

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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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