TransUnion
Turns consumer data into credit, fraud, identity, marketing, and communications decision tools.
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Profile
Provides credit reports, scores, analytics, and decision tools for fraud, identity, marketing, communications, and consumer engagement. Most revenue comes from the United States, while the OneTru platform consolidates acquired and internally built systems into a common data and technology layer.
Provides consumer reports, scores, analytics, and decision tools across credit, fraud, identity, marketing, communications, and consumer engagement. The business is organized into U.S. Markets and International, with most revenue generated in the United States.
OneTru brings acquired and internally built systems onto a common data and technology layer, combining identity resolution with cloud infrastructure. That consolidation supports application rationalization, information security, regulatory compliance, and delivery across Tru-branded solution lines.
Execution depends on lawful access to broad consumer and commercial datasets, accurate matching and scoring, secure handling of sensitive information, and customer acceptance of decision tools. Operations across more than 30 countries face differing privacy, credit-reporting, and data-localization regimes.
Company facts
Categories
Key statistics
Year to date +2.8% · Average volume (30d) 2.0M
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Jul 29, 2026 | Needham | Reiterate | Buy | $95 | $100 | |
| Jul 29, 2026 | Morgan Stanley | Reiterate | Overweight | $105 | $106 | |
| Jul 29, 2026 | Robert W. Baird | Target | $108 | $115 | ||
| Jul 29, 2026 | Stifel Nicolaus | Target | $103 | $96 | ||
| Jul 29, 2026 | Griffin | Target | $98 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 28, 2026Q2 FY26 | $1.16 | $1.23 | +6.0% | $1.28B | $1.31B | +2.0% | −0.08% |
| Apr 28, 2026Q1 FY26 | $1.11 | $1.18 | +6.3% | $1.21B | $1.25B | +3.0% | +0.56% |
| Feb 12, 2026Q4 FY25 | $1.03 | $1.07 | +3.9% | $1.13B | $1.17B | +3.5% | +4.39% |
| Oct 23, 2025Q3 FY25 | $1.04 | $1.10 | +5.8% | $1.13B | $1.17B | +3.2% | +2.54% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $1.10B | $1.14B | $1.17B | $1.17B | $1.25B | $1.31B | |
| Gross profit | $650.1M | $527.1M | $543.6M | $695.2M | $726.2M | $765.0M | |
| Operating income | $254.4M | $192.2M | $212.8M | $203.6M | $244.8M | $418.5M | |
| Net income | $148.1M | $109.6M | $96.6M | $101.2M | $397.2M | $252.9M | |
| Diluted EPS | $0.75 | $0.56 | $0.49 | $0.52 | $2.04 | $0.74 | |
| Gross margin | 59.3% | 46.2% | 46.5% | 59.3% | 58.3% | 58.4% | |
| Operating margin | 23.2% | 16.9% | 18.2% | 17.4% | 19.7% | 32.0% |
Fiscal years (4-quarter sums)FY21 $2.82B · FY22 $3.71B · FY23 $3.83B · FY24 $4.18B · FY25 $4.58B
Revenue by product · Q2 FY26
Revenue by geography · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $839.1M · Total debt $5.66B · Total assets $12.19B · Shareholders' equity $4.84B
Dividends
Raised for 6 straight years — most recently to $0.125 from $0.115 in Feb 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 20, 2026 | Aug 20 | Sep 4 | $0.125 | |
| May 27, 2026 | May 27 | Jun 11 | $0.125 | |
| Feb 26, 2026 | Feb 26 | Mar 13 | $0.125 | raised from $0.115 |
| Nov 21, 2025 | Nov 21 | Dec 8 | $0.115 | |
| Aug 22, 2025 | Aug 22 | Sep 8 | $0.115 | |
| May 22, 2025 | May 22 | Jun 6 | $0.115 | |
| Feb 27, 2025 | Feb 27 | Mar 14 | $0.115 | raised from $0.105 |
| Nov 22, 2024 | Nov 22 | Dec 9 | $0.105 |
Ownership
A 13F quarter can total more than the shares outstanding — sub-advisers file the same block twice, and a filer's own share count can be a quarter stale. No split is drawn from it.
Shares outstanding 191.60M · Float 190.44M · 99.4% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| Dodge & Cox | 24.20M | 12.63% | 13F | Aug 13, 2026 |
| BlackRock, Inc. | 18.96M | 9.89% | 13F | Aug 7, 2026 |
| Independent Franchise Partners LLP | 13.98M | 7.29% | 13F | Aug 13, 2026 |
| FMR LLC | 11.72M | 6.11% | 13F | Aug 13, 2026 |
| Massachusetts Financial Services Co /MA/ | 10.67M | 5.57% | 13F | Aug 3, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 11, 2026 | Alicia Brooke Zuiker | officer: EVP, CHRO | −8,673 | $78.49 |
| Aug 3, 2026 | Steven M. Chaouki | officer: President, US Markets | −1,000 | $79.96 |
| Aug 3, 2026 | Todd C. Skinner | officer: President, International | −950 | $79.96 |
| Jul 28, 2026 | Mohamed Abdelsadek | officer: EVP, Chief Global Solutions | −23,495 | $85.00 |
| Jul 7, 2026 | Jennifer A. Williams | officer: SVP, Chief Accounting Officer | −972 | $80.00 |
Peers
- Equifax
Broad rival in credit data, identity, fraud, and analytics
- FICO
Credit-scoring and decisioning rival in financial services
- RELX (ADR)
Risk-data rival in identity, fraud, insurance, and investigations
- Verisk Analytics
Insurance-data and analytics rival across underwriting and claims
- LiveRamp
Marketing identity and data-collaboration rival
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| TransUnion | $84.99 | −0.81% | $16.41B | 22.6 | 16.6 | 3.4 | +14.9% |
| Equifax | $179.34 | −7.65% | $22.83B | 34.2 | 21.2 | 3.5 | +10.6% |
| FICO | $1,150.14 | −0.31% | $24.91B | 33.3 | 22.8 | 10.4 | +25.7% |
| RELX (ADR) | $36.54 | 0.00% | $63.79B | 21.3 | — | 4.8 | +0.4% |
| Verisk Analytics | $191.77 | 0.00% | $24.96B | 29.5 | 23.5 | 8.0 | +4.4% |
| LiveRamp | $37.74 | +0.03% | $2.29B | 15.7 | 12.6 | 2.8 | +9.8% |
| Median | 29.5 | 22.0 | 4.8 | +9.8% |