TransUnion
Strong FundamentalsStrong FundamentalsRevenue growing 15% YoY at strong marginsStreet coverage with positive forward estimatesConsistent chatter on X (404/wk), no spike$83.67-1.5%YTD-5.0%1Y-3.2%
Mentions · last 7 days
404-7%
Price updated 4h ago·X counts updated 9d ago
AI verdict & sentimentAI analysisGenerated by AI from underlying data
Today's AI verdict on what's driving $TRU, plus how loud the X conversation is and which way it's leaning.
What it does
Plain-English summary of the business — what they sell and how they make money.
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
Consumer credit quality is the central variable; delinquency trends in credit cards and auto loans determine reserve requirements and loss expectations. Rate normalization improves NIM dynamics but a credit cycle turn would offset those gains.
What this means for $TRU
Partial — insurance earnings follow combined ratio and investment income dynamics, partially correlated to industry macro; TransUnion operates as a global consumer credit reporting agency that provides r.
Industry benchmark
18-name peer basket
-1.6%YTD
-13.5%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 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
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.67%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.+8.4%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.+10.9%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 today0.9% 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.β1.535-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.
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
3New insider — initial holdingsJun 183
AI summary
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
8-KPress release / Reg FDMar 108-K — 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.
Do Options Traders Know Something About TransUnion Stock We Don't?Corient Private Wealth LP Makes New $7.52 Million Investment in TransUnion $TRUHere's Why You Should Retain TransUnion Stock in Your Portfolio NowWhy Is TransUnion (TRU) Up 0.9% Since Last Earnings Report?Why TransUnion (TRU) is a Top Growth Stock for the Long-Term
In themes
Explore the broader themes this ticker is being talked about under.
More in Financial - Credit Services
Peers in the same group — one click to compare setups, fundamentals, and chatter.
Voices on X · top 1 · last 7 days