TransUnion (TRU)
Industrials · business information services · NYSE
TransUnion is a global provider of credit information and risk management solutions that empowers businesses and consumers to make informed financial decisions.
What TransUnion does
TransUnion is a global information and insights company that provides data-driven solutions to businesses and consumers. The company operates through a global credit reporting platform, offering consumer credit reporting, risk management, fraud detection, and identity verification services. It serves various sectors, including financial services, insurance, and public sectors, to assist in managing credit risk and decisioning.
Themes: consumer credit reporting, risk management and analytics, fraud detection and identity verification, fintech infrastructure, data-driven decisioning
Fundamentals
- Price$84.61 as of 2026-08-21 close
- Market cap$16.3B as of 2026-08-21
- 1-year return-2.3% 2025-08-21 close $86.64 → 2026-08-21 close $84.61
- P/E21.19 as of 2026-08-24
- Net margin+15.1% as of 2026-08-24
- Gross margin+58.7% as of 2026-08-24
- ROE+16.0% as of 2026-08-24
- Debt / equity1.15 as of 2026-08-24
- Revenue growth (YoY)+12.4% as of 2026-08-24
- Revenue CAGR (3y)+7.2% SEC XBRL
- Beta1.55 as of 2026-08-24
- Last reported earnings2026-07-28 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +0.7%; at least 4 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How TRU compares in its sector
- price-to-earnings ratiomiddle range 357 covered Industrials peers, as of 2026-08-24
- net profit margintop 25% 457 covered Industrials peers, as of 2026-08-24
- operating margintop 10% 457 covered Industrials peers, as of 2026-08-24
- gross margintop 25% 455 covered Industrials peers, as of 2026-08-24
- return on equitymiddle range 460 covered Industrials peers, as of 2026-08-24
- 3-year revenue CAGRmiddle range 426 covered Industrials peers
- indicated dividend yieldbottom 25% 267 covered Industrials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)top 25% 414 covered Industrials peers, as of FY2025
Position among covered Industrials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Top 10 scores & list membership
TRU is not currently in any published Top 10 list. Its scores are below.
Long-term score
53.6 #374 of 987 scored · #59 of 197 in Industrials
Growth 66th (revenue growth year over year 12.4%, 3-year revenue CAGR 7.2%) and profitability 61st (operating margin 23%, return on equity 16%); weakest is capital return (36th, consecutive years of dividend increases 4 years).
Short-term score
57.7 #331 of 1,704 scored · #44 of 283 in Industrials
Setup 76th: day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 1% of the past ~6 months), which often precedes a bigger move; trend 63rd: it is trading 11.2% above its 50-day average, the short-term trend line; weakest is catalysts 33rd: open-market insider buys in 90 days 0, analysts' average price target is unchanged from the prior reading.
Scores as of 21 Aug 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 2.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, TRU's dividend was covered by reported results (earnings payout 20%, free-cash-flow payout 14%). This describes past coverage, not a forecast.
- Earnings payout20% dividends / net income
- Free-cash-flow payout14% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How TransUnion looks technically
TransUnion (TRU) is trading 10.5% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed below its 200-day average about 217 trading days ago — a "death cross", a bearish long-term signal. A trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 24 (a reading of 25+ marks a strong trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 62, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 2 trading days ago (its momentum flipped positive). It made a new 20-day high about 2 trading days ago. Day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 1% of the past ~6 months), which often precedes a bigger move.
Trend
8
| Distance from the 200-day | it is trading 10.5% above its 200-day average, the long-term trend line — a longer-term uptrend | +10.5% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $76.06 | $76.06 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $76.55 | $76.55 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing high 24 calendar days ago — the swings before that are what the structure reading is measured on | 24 sessions |
| Since the 50/200 cross | its 50-day average crossed below its 200-day average about 217 trading days ago — a "death cross", a bearish long-term signal | 217 sessions |
| Above the 200-day after a dip | it recently dipped to its 200-day average (the long-term trend line) and has since climbed back above it — now about 10.5% above | +10.5% |
| Trend strength (14-day ADX) | a trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 24 (a reading of 25+ marks a strong trend) | 23.6 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 62, neither overbought (above 70) nor oversold (below 30) | 62.1 |
|---|---|---|
| Position in its 14-day range | it is trading in the upper half of its 14-day range ($78.24 to $86.37) — its "stochastic" reading is 78 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been slipping within that range over the last few sessions. | 78.4 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 2 trading days ago (its momentum flipped positive) | 2 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $95.50 | $95.50 |
|---|---|---|
| From the 52-week high | it is 11.4% below its 52-week high (its highest price of the past year) | -11.4% |
| Above the 52-week low | it is 33.5% above its 52-week low (its lowest price of the past year) | +33.5% |
| Below the 52-week high | it is 11.4% below its highest point of the past year | 11.4% |
| Since a 20-day breakout | it made a new 20-day high about 2 trading days ago | 2 sessions |
| Since a 55-day breakout | it made a new 55-day high about 2 trading days ago | 2 sessions |
| All-time high | its highest closing price on record is $125.35 (set on 2021-09-09) | $125.35 |
| Given back of the 52-week move | over the past year its closes ranged ($64.43 to $93.71), and it has recovered well over two thirds of its fall from last year’s high — 69% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $82.53 to $83.46. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 68.9% |
| From the all-time high | it is 32.5% below its all-time high | -32.5% |
| Nearest price level | it is trading 1.1% above a support level at $83.72 — a price it turned at four times since 2025-06-16, most recently on 2025-11-12. Since 2024-08-21 it has 7 such levels below the current price and 8 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -1.1% |
| All-time low | its lowest closing price on record is $20.43 (set on 2016-02-11) | $20.43 |
| Above the all-time low | it is 314.1% above its all-time low | +314.1% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 1% of the past ~6 months), which often precedes a bigger move | 0th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $2.93 between its high and its low — about 3.5% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $2.93 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $76.53 and $85.13 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $76.53 – $80.83 – $85.13 |
| Typical daily range (% of price) | its price moves about 3.5% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 3.5% |
| Stretch from the 200-day average | it is trading 2.8 daily ranges above its 200-day average price (10.5% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 2.8 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.87× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
2
| Since a doji | 3 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 3 sessions ago |
|---|---|---|
| Since a bullish engulfing | 8 sessions ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | 8 sessions ago |
Price gaps
2
| Gap at the open | it opened on 2026-08-21 0.8% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.8% |
|---|---|---|
| Gap filled | a 2.1% gap down opened on 2026-07-30 has been "filled" 1 session ago — price traded back through the level the gap left behind, and it took 15 sessions to close | 1 session ago |
Price streaks
1
| Closing streak | it closed lower in its latest session, after a session that did not close lower — a single down day rather than a run | 1 session down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 9.0 percentage points (the stock gained 11.3% while the market gained 2.3%) | +8.9% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 18.7 percentage points (the stock gained 21.8% while the market gained 3.1%) | +18.7% |
| vs market, 6 months | over the past 6 months this stock has tracked the market almost exactly (the stock gained 11.0% while the market gained 11.1%) | -0.0% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 22.8 percentage points (the stock lost 2.3% while the market gained 20.5%) | -22.8% |
Signal agreement
2
| Bullish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bullish state: trading above its 200-day average, a fresh 20-day high, MACD momentum is positive, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 4 of 9 |
|---|---|---|
| Bearish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bearish state: a "death cross" — its 50-day average is below its 200-day — these describe past price behaviour, not a forecast | 1 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 13% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is moderate, spanning 3.0% of the share price. | +13.3% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 14% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $74.24 — a volume-weighted average of daily closes over 158 sessions, not a true tick-by-tick VWAP. | +14.0% |
|---|---|---|
| Vs the average paid since it last reported | the price is 4% above the average price paid since it last reported on 2026-07-28 (its 10-Q), so the typical buyer over that stretch is showing a gain. That average is $81.46 — a volume-weighted average of daily closes over 19 sessions, not a true tick-by-tick VWAP. | +3.9% |
Price levels it has turned at before
TRU last closed at $84.61 on 2026-08-21. Since 2024-08-21 it has turned at 7 prices below its last close and 8 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $83.72 | Support | 1.1% below the last close | turned there four times · 2025-06-16 to 2025-11-12 |
| $86.26 | Resistance | 1.9% above the last close | turned there five times · 2025-01-10 to 2026-07-28 |
| $81.56 | Support | 3.6% below the last close | turned there five times · 2025-05-27 to 2026-07-17 |
| $88.89 | Resistance | 5.1% above the last close | turned there five times · 2025-03-25 to 2026-01-09 |
| $79.79 | Support | 5.7% below the last close | turned there 7 times · 2025-03-13 to 2026-07-07 |
| $92.12 | Resistance | 8.9% above the last close | turned there five times · 2024-12-19 to 2025-08-22 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Tested and reclaimed 200-day support · Broke out to a new 20-day high · MACD just crossed bullish (12/26/9) · in a Bollinger Band volatility squeeze · Trading above the Ichimoku cloud | Learn: moving average · golden cross · adx · rsi · macd · breakout · bollinger bands
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (1.77 mean, 1=Strong Buy…5=Strong Sell) — 21 analysts
- Mean price target$96.24 range $77.00 – $115.00; median $100.00
Analyst estimates, as of 2026-08-17. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for TRU
- Consensus EPS estimate$1.22 next reporting period, as of 2026-08-17
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["regulatory oversight regarding consumer credit data privacy and security","cybersecurity threats and data breaches impacting sensitive consumer information","dependence on data sources and strategic partnerships for business operations"]
What changed in the latest 10-Q
AI-assisted comparison of TRU's 10-Q filed 2026-04-28 against the prior one filed 2025-10-23.
Management's Discussion & Analysis (MD&A)
- Added:
- Added reference to Form 10-K for year ended December 31, 2025 (newer filing) vs. December 31, 2024 (older filing)
- Added mention of 'Trans Union LLC' in the corporate structure references in the newer filing
- Added new paragraph discussing February 2026 U.S.-Israel military strikes against Iran and impact on global energy prices, inflation, consumer spending, market volatility, and macroeconomic conditions
- Added 'tariffs' to the list of macroeconomic conditions affecting revenues and results of operations
- Removed:
- Removed phrase 'Grounded in our heritage as a credit reporting agency' from Overview section
- Removed phrase 'and accurate' describing databases
- Removed reference to 'identity resolution methodology to link and match our expanding high-quality datasets'
- Removed phrase 'Businesses embed our solutions into their process workflows to deliver critical insights and enable effective actions'
- Removed reference to 'Consumer Interactive' vertical as a separate organizational category in Overview
- Removed phrase 'and capitalize on the larger data and analytics opportunity' from addressable market discussion
- Removed phrase 'adjacent and' before 'vertical markets'
- Changed reference from Note 15 to Note 14 for Reportable Segments
- Removed 'consumer reports,' from U.S. Markets description, now reads 'data, analytics and actionable insights'
- Removed mention of 'retail credit' as an industry served in International segment
- Removed description of Federal Reserve rate cuts (three consecutive cuts totaling 100 basis points in Q4 2024) and reference to first nine months of 2025 Fed actions
- Reworded:
- Changed 'we use our OneTru solution enablement platform to centralize data management, identity resolution, artificial intelligence (AI) powered analytics' (newer) vs. 'we use our identity resolution methodology' (older)
- Changed 'enabling more persistent identity resolution with sharper, more contextualized insights' (newer addition not in older)
- Changed 'develop relevant solutions' (newer) vs. 'continuously develop more insightful solutions' (older)
- Changed 'extend the appropriate opportunities, tools and offers' (newer) vs. 'the proactive extension of the right opportunities, tools and offers' (older)
- Changed 'Financial Services and Emerging Verticals, which includes Insurance, Technology, Retail and E-Commerce, Telecommunications, Media, Tenant & Employment Screening, Collections, and Public Sector' (newer) vs. 'Financial Services, Emerging Verticals and Consumer Interactive. Emerging Verticals consists of Insurance, Technology, Retail and E-Commerce, Telecommunications, Media, Tenant & Employment Screening, Collections, and Public Sector' (older)
- Changed segment description for U.S. Markets from 'consumer reports, actionable insights and analytics' to 'data, analytics and actionable insights'
- Notes:
- The text provided for the newer filing appears to be truncated mid-sentence regarding Federal Reserve conditions, limiting full comparison of macroeconomic discussion sections
- The older filing text regarding Federal Reserve actions is also truncated, cutting off discussion of first nine months of 2025 conditions
Risk Factors
The two filings could not be meaningfully compared for this section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 10 open-market sales by insiders in the last 90 days.
- Last 30 days0 buys · 4 sells ($3M) — 4 selling insiders
- Last 90 days0 buys · 10 sells ($5M) — 6 selling insiders
- Last 180 days0 buys · 15 sells ($6M) — 6 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-08-11. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about TRU's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding TRU as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 38,590,891
- Reported value $2,670,103,817
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 4 increased, 1 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
TRU had 8,549,216 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
TRU had 4.43% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 3.33 days to cover at the same settlement.
- Reported short interest (shares) 8,549,216
- Short interest (% of shares outstanding) 4.43%
- Prior settlement (shares) 10,822,787
- Reported change -21.01%
- Days to cover (reported) 3.33
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Equifax (EFX)
- Experian (EXPN.L)
- Fair Isaac Corporation (FICO)
- LexisNexis Risk Solutions (RELX)
- Dun & Bradstreet (DNB)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Compare TRU vs…
Frequently asked questions
What does TransUnion (TRU) do?
TransUnion is a global information and insights company that provides data-driven solutions to businesses and consumers. The company operates through a global credit reporting platform, offering consumer credit reporting, risk management, fraud detection, and identity verification services. It serves various sectors, including financial services, insurance, and public sectors, to assist in managing credit risk and decisioning.
What sector is TransUnion (TRU) in?
TransUnion (TRU) is classified in the Industrials sector. Its industry is business information services. It trades on NYSE.
Does TRU pay a dividend?
Yes — TransUnion (TRU) pays a dividend, with an indicated yield of about 0.71% and at least 4 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.
Who are TransUnion's (TRU) competitors?
Notable peers of TransUnion (TRU) include Equifax, Experian, Fair Isaac Corporation, LexisNexis Risk Solutions and Dun & Bradstreet. This peer set is informational only — not financial advice.
Is TransUnion (TRU) overbought or oversold right now?
TransUnion (TRU) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 62, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on TRU come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.