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TransUnion (TRU) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

TransUnion
NYSE•Financial Services•Financial Data & Stock Exchanges
$79.88-5.04(-0.06%)Pre-market
Market Cap
$14.06B
P/E
19.0x
P/S
2.9x
P/B
2.9x

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.

A

How this company scores

ExcellentMetricSide Score: 85/100

Strongest: Profitability (25/25); weakest: Balance Sheet & Red Flags (13/25).

Profitability25/25
Growth23/25
Balance Sheet & Red Flags13/25
Cash & Earnings Quality24/25
Strengths
Rising free cash flowStrong marginsHigh ROERising earnings

No red flags in the last 8 quarters.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 19.0x5y range 9.3x – 66.8x
P/E 19.0x · below its 16-quarter median

Currently below its 16-quarter median.

P/S · 2.9x5y range 2.7x – 7.7x
P/S 2.9x · near its 20-quarter median

Currently near its 20-quarter median.

P/B · 2.9x5y range 2.6x – 7.5x
Price & Volume
Market Cap $14.06B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue
$4.90B
7Q
Q. Revenue
$1.31B
6Q
TTM EBITDA
$1.52B
7Q
TTM Op. Income
$914.00M
18%
Q. Op. Income
$258.00M
2Q
TTM Net Income
$738.20M
6Q
Q. Net Income
$143.40M
31%
EPS
$0.75
34%
Shares Out.
$192.30M
1%
$4.90B in TTM revenue grew 12.4% YoY, reaching $1.31B last quarter. TTM EBITDA of $1.52B and TTM operating income of $914.00M show growth is flowing through to the bottom line. TTM net income of $738.20M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin
32.0%
2Q
Op. Margin
19.7%
2Q
Net Margin
10.9%
14%
Op. margin of 19.7% is up 2.8% YoY — cost efficiency is improving. Net margin at 10.9% Across the last 8 quarters, operating margin has risen for 2 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio
19.0x
56%
P/S Ratio
2.9x
27%
P/B Ratio
2.9x
24%
At 19.0x P/E, the stock trades within typical market levels. P/S of 2.9x and P/B of 2.9x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is down 56% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets
$12.19B
3Q
Cash
$839.10M
22%
Long-Term Debt
$5.37B
6%
Book Value
$4.84B
2Q
D/E Ratio
1.1
2Q
Debt/EBITDA
12.8
2Q
With $12.19B in assets and $5.37B in long-term debt, D/E is 1.1and book value is $4.84B — moderate leverage. Across the last 8 quarters, debt/equity has fallen for 2 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow
$374.90M
29%
TTM Free Cash Flow
$787.90M
4Q
FCF Margin
16.1%
4Q
FCF / Net Income
1.1
16%
TTM FCF of $787.90M on $374.90M in operating cash flow. The FCF / Net Income ratio of 1.1x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 4 consecutive quarters — an improving trend.

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· near its 20-quarter median

Currently near its 20-quarter median.