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TransUnion

TRU on NYSE. TransUnion sells information and analytics to businesses for credit, marketing, and fraud decisions. Market value $12.2bn.

Watch this stockFree. We tell you when something changes.

Price checks use the past 12 months to June 2026. Quality checks use five annual reports, the latest for the year to December 2025.

Should I look at this?

Worth a closer look

Why it could be worth it

What to watch out for

Nothing stood out in the numbers we check.

Read what could go wrong

This is not advice. Check the numbers below.

Compare with another stock

Cash yield
past 12 months to June 2026
6.4%high

For every $100 of what the whole company costs, it produced $6.44 of spare cash in the past 12 months. A savings account pays about $4.

Price to profit
past 12 months to June 2026
18.6×full

You pay 18.6 years of operating profit for the business. The average large US company costs around 18.

Return on capital
five annual reports to December 2025
6.1%five-year median

Each dollar kept in the business earns 6 cents a year. Above 10 is good.

Quality score: 82 of 100. Price score: 87 of 100. Our list needs 70 on quality and 60 on price.

$63.82 a share, 5% above its 1-year low

Over the past year the price has ranged from $60.96 to $89.12.

Dividend: 0.7% a year

Paid every year for at least 5 years

Prices from Monday’s close (5 October).

Five years of cash, in billions

0.6
-0.0
0.3
0.5
0.7
0.8
2021202220232024202512 monthsto Jun '26
Revenue
$3.0bn$3.7bn$3.8bn$4.2bn$4.6bn
Operating margin
22.0%16.9%3.4%15.9%18.7%
Debt to equity
1.631.361.331.221.15
Shares outstanding
0.19bn0.19bn0.19bn0.19bn0.19bn

Health checks

  • Free cash flow positive4 of 5 years
  • Accounting looks honest (Beneish)Not enough data
  • Financial strength (Piotroski)8 of 8 checks we could run
  • Profit backed by cash (accruals)Yes
  • Debt1.15× equity
  • Revenue growth, five yearsStrong, 12.6% a year
  • Buying back its own sharesRoughly flat

The quarter to June 2026

How the business did, compared with the same quarter a year earlier.

  • Sales: $1.3 billion last quarter, up 15% on a year ago.
  • Profit: $143 million, up 31% on a year ago.
  • It keeps 19 cents of each $1 of sales as operating profit, up from 18 cents a year earlier.
  • Spare cash over the past 12 months: $788 million, up from $497 million.
  • 2% fewer shares than a year ago. Each share owns a bit more of the company.
  • Debt is $4.7 billion more than cash, up from $4.4 billion a year ago.
  • Sales grew on a year ago in each of the last 4 quarters.
Sales by quarter
Sales by quarter
Quarter toAmount
September 2024$1.1bn
December 2024$1.0bn
March 2025$1.1bn
June 2025$1.1bn
September 2025$1.2bn
December 2025$1.2bn
March 2026$1.2bn
June 2026$1.3bn
Profit by quarter
Profit by quarter
Quarter toAmount
September 2024$68m
December 2024$66m
March 2025$148m
June 2025$110m
September 2025$97m
December 2025$101m
March 2026$397m
June 2026$143m

From the company's quarterly reports to the SEC.

Dates

Next results (estimated)
n/a
Last annual report (10-K)
27 February 2026
Next quarterly (estimated, 10-Q)
27 October 2026

Who owns it

10 long-term investors we follow own it, unchanged from 10 last quarter. 520 funds in all.

Jun '25
Dec '25
Jun '26
Largest holders overall

From 13F filings for the quarter ended 30 June 2026.

Big holders and activists

7 investors own more than 5%.

From Schedule 13D and 13G filings: anyone owning more than 5% must file one.

What insiders did

No insider bought shares on the open market in the last 12 months. 8 sold $9m, $8m of it under preset trading plans.

  • Abdelsadek Mohamed
    EVP, Chief Global Solutions
    Sold
    under a preset trading plan
    Date
    1 October 2026
    Shares
    250
    Price
    $62.29
    Value
    $15,573
  • Skinner Todd C.
    President, International
    Sold
    under a preset trading plan
    Date
    1 October 2026
    Shares
    1,000
    Price
    $62.29
    Value
    $62,290
  • Abdelsadek Mohamed
    EVP, Chief Global Solutions
    Sold
    under a preset trading plan
    Date
    14 September 2026
    Shares
    1,250
    Price
    $79.07
    Value
    $98,838
  • Achanta Venkat
    EVP, Chief Tech, Data & Analy.
    Sold
    Date
    10 September 2026
    Shares
    23,287
    Price
    $77.00
    Value
    $2m
  • Skinner Todd C.
    President, International
    Sold
    under a preset trading plan
    Date
    1 September 2026
    Shares
    1,000
    Price
    $84.42
    Value
    $84,420
  • CHAOUKI STEVEN M
    President, US Markets
    Sold
    under a preset trading plan
    Date
    1 September 2026
    Shares
    1,000
    Price
    $84.42
    Value
    $84,420
  • Williams Jennifer A.
    SVP, Chief Accounting Officer
    Sold
    under a preset trading plan
    Date
    31 August 2026
    Shares
    1,070
    Price
    $84.57
    Value
    $90,490
  • Zuiker Alicia Brooke
    EVP, CHRO
    Sold
    under a preset trading plan
    Date
    11 August 2026
    Shares
    8,673
    Price
    $78.49
    Value
    $680,744
  • Skinner Todd C.
    President, International
    Sold
    under a preset trading plan
    Date
    3 August 2026
    Shares
    950
    Price
    $79.96
    Value
    $75,962
  • CHAOUKI STEVEN M
    President, US Markets
    Sold
    under a preset trading plan
    Date
    3 August 2026
    Shares
    1,000
    Price
    $79.96
    Value
    $79,960

From Form 4 filings: insiders must report trades in their own company's shares within two days.

Warning signs in its filings

Problems the company itself reported to the SEC, in its own words.

None of the warning signs we check for were found.

We look for five warning signs: doubt it can keep going, weak checks on its own accounts, a notice that its past accounts can't be relied on, a change of auditor, and one customer bringing in a big share of sales. We don't check lawsuits, investigations or debt yet.

We checked the auditor's report, internal controls, restatement notices, auditor changes and big customers in the 10-K filed 27 Feb 2026, plus the 10-Q filed 28 Jul 2026 and 5 later 8-Ks.

A 10-K is the yearly report every US company files with the SEC. An 8-K is a short notice of a big event.

What could go wrong

Cheap for a reason is the question the numbers cannot answer.

Whether the price already reflects the risks is what the deep dive is for.

What changed in the risks this year

Companies must list what could hurt them each year. These are the parts that changed since last year’s report.

  • Natural disasters, pandemics, terrorist acts, war, actions by governments, and other geopolitical activities could disrupt our operations.

    Could happen
    We operate in numerous U.S. and international locations, and we have offices in a number of major cities across the globe. The occurrence of, or concerns related to, a major weather event, earthquake, hurricane, flood, drought, volcanic activity, disease or pandemic, or other natural disaster could significantly disrupt our operations. In addition, acts of civil unrest, failure of critical infrastructure, terrorism, war and armed conflict (including the ongoing conflicts in the Middle East, India, Ukraine and Russia), and abrupt political change, as well as responses by various governments and the international community to such acts, can have a negative effect on our business. Such events could impede delivery of our products and services to our clients, disrupt or shut down the internet or other critical client-facing and business processes, impede the travel of our personnel and clients, dislocate our critical internal functions and personnel, and in general harm our ability to conduct normal business operations, any of which can negatively impact our financial condition and operating results. Such events could also impact the business of our clients, which could materially adversely affect our business.
    Read more

Read it in the annual report

The deep dive

Everything above is arithmetic on public filings. The deep dive reads the last ten years of annual reports, the proxy statements, and the earnings calls, then argues the case the way Buffett, Klarman, and Hohn would, and checks every claim against the source.

  • What the business is worth, as a range, and the margin of safety at today’s price
  • Prices to start buying, buy, and buy hard
  • The three things that would make this a mistake
  • Every number footnoted to the filing it came from
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What a finished deep dive looks like

Not advice. Numbers on this page come from SEC filings and are updated each night; prices are updated again after the US market closes. The five-year figures are rounded.