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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
$78.55-0.68(-0.01%)Pre-market
Market Cap
$15.01B
P/E
18.8x
P/S
3.0x
P/B
3.1x

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 · 18.8x5y range 9.3x – 66.8x
P/E 18.8x · below its 16-quarter median

Currently below its 16-quarter median.

P/S · 3.0x5y range 2.7x – 7.7x
P/S 3.0x · near its 20-quarter median

Currently near its 20-quarter median.

P/B · 3.1x5y range 2.6x – 5.8x
Price & Volume
Market Cap $15.01B

Metrics at a Glance

as of September 2026

Revenue & Profit

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

TTM Revenue
$5.04B
7Q
Q. Revenue
$1.31B
7Q
TTM EBITDA
$1.60B
7Q
TTM Op. Income
$973.60M
2Q
Q. Op. Income
$267.20M
3Q
TTM Net Income
$797.80M
7Q
Q. Net Income
$156.20M
62%
EPS
$0.82
64%
Shares Out.
$191.10M
2Q
$5.04B in TTM revenue grew 13.5% YoY, reaching $1.31B last quarter. TTM EBITDA of $1.60B and TTM operating income of $973.60M show growth is flowing through to the bottom line. TTM net income of $797.80M 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
32.8%
3Q
Op. Margin
20.4%
3Q
Net Margin
11.9%
44%
Op. margin of 20.4% is up 2.6% YoY — cost efficiency is improving. Net margin at 11.9% Across the last 8 quarters, operating margin has risen for 3 consecutive quarters — an improving trend.

Price Ratios

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

P/E Ratio
18.8x
2Q
P/S Ratio
3.0x
2Q
P/B Ratio
3.1x
2Q
At 18.8x P/E, the stock trades within typical market levels. P/S of 3.0x and P/B of 3.1x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 8 quarters, P/E has risen for 2 consecutive quarters — a weakening trend.

Assets & Liabilities

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

Total Assets
$12.09B
9%
Cash
$883.10M
2Q
Long-Term Debt
$5.35B
2Q
Book Value
$4.85B
3Q
D/E Ratio
1.1
3Q
Debt/EBITDA
12.4
3Q
With $12.09B in assets and $5.35B in long-term debt, D/E is 1.1and book value is $4.85B — moderate leverage. Across the last 8 quarters, debt/equity has fallen for 3 consecutive quarters — an improving trend.

Cash Flow

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

Op. Cash Flow
$429.50M
2Q
TTM Free Cash Flow
$910.10M
5Q
FCF Margin
18.1%
5Q
FCF / Net Income
1.1
2Q
TTM FCF of $910.10M on $429.50M 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 5 consecutive quarters — an improving trend.

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· near its 20-quarter median

Currently near its 20-quarter median.