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TRTRU

TransUnion

$TRU·$12B·Financial - Data & Stock Exchanges·Financial Services
$74.08-0.1%YTD-23.0%1Y-6.7%
Price updated 2h ago·X counts updated 5d ago
TRTRU
$TRUTransUnion
$74.08-0.05%105 posts0.9×
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.

105X posts · last 7 days
Sep 28Oct 11
Chatter Meter
0.9×
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 numbersSelling offAI verdict · as of 2026-10-03

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

TransUnion at 9% of 52w range with FHFA bi-merge scoring shift as the overhang — CFO Cello resigning Dec 31 adds operational risk.

TransUnion is one of the three major US consumer credit bureaus — plus VantageScore (joint venture with the other bureaus) competing with FICO. The stock has lost 23% YTD on the FHFA bi-merge scoring shift news, now at 9% of its 52-week range.

  • Growth is accelerating: Q2 2026 revenue of $1.3B at +14.9% YoY after +13.7%, +13%, and +7.8% in prior quarters — the underlying bureau business plus consumer-finance mix is working, with 2026 consensus EPS of $4.52 against the $63 stock giving a 14x forward P/E.
  • EPS beats are consistent: last four prints at +6%, +6.3%, +3.9%, +5.8% — operating-margin at 22% is intact, with the mechanics saying the business is working regardless of the stock price.
  • CFO Todd Cello is resigning Dec 31 — not from a disagreement, with transition services through March 2027 — but still operational-governance churn, and TRU is also extending the 99-cent mortgage pricing for VantageScore 4.0 through 2028 to compete directly with FICO.

An Oct 27 Q3 print with 14%+ revenue growth plus Cello-succession clarity restarts the thesis; another FICO/FHFA-related competitive setback or further CFO-level transition and the breakdown continues.

Agrees with X sentimentX is mixed and honest — the FHFA bi-merge scoring shift drove TRU/FICO/EFX all -10%+ in sympathy; the contrarian angle on TRU owning VantageScore being the real play is correct, and the long-term bureau bull case is intact despite the brutal immediate tape.

What to watch: Oct 27 Q3 earnings — organic revenue growth above 14%, VantageScore mortgage-pricing commentary, operating-margin trend above 22%, and any update on the Cello CFO succession. A FICO/FHFA competitive setback is the asymmetric downside; a clean beat with VantageScore gaining mortgage-market share re-rates it.

On the calendar: 2026-10-27 — Q3 2026 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

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
-8.1%YTD
-5.5%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 earningsTue, Oct 27·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.1.6×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.-1.4%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.-0.5%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatMid float · 190.5M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today2.4% 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.β1.575-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

SellOct 1Todd C. SkinnerPresident1.0K sh$62KSellOct 1Mohamed AbdelsadekEVP, Chief Global Solutions250 sh$16KSellSep 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$80K
1–10 of 20
+ 38 other (20 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

3New insider — initial holdingsOct 23
8-KOfficer or director changeSep 238-K — Item 5.02: Officer or director change · Item 7.01: Press release / Reg FD
AI summary

TransUnion CFO Todd Cello resigned effective December 31, 2026 (Transition Date), not due to any operational disagreement; he will provide transition services through March 1, 2027 under a Transition and Separation Agreement. Severance includes continuation of base salary through March 1, 2027, eligibility for 2026 annual bonus, continuation of one PSU tranche, 18 months of COBRA coverage, and up to $35,000 in outplacement services. The CFO departure with no named successor is a notable leadership gap at the data analytics company.

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 and Bankrate Expand Partnership to Power More Personalized Credit Offers for Millions of Consumersglobenewswire.com·3d agoTransUnion Launches First Look Functionality for Mortgage to Help Lenders Cut Origination Costsglobenewswire.com·9d agoFICO Is Cutting 15% of Its Workforce After Losing More Than Half Its Value247wallst.com·10d agoTransUnion Announces Earnings Release Date for Third Quarter 2026 Resultsglobenewswire.com·16d agoFICO Slides Wednesday: Will Regulatory Pressures and TransUnion Price War Break Its Monopoly?benzinga.com·16d 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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