TransUnion

Valuation Analysis

About the Company

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

TransUnion Stock at a Glance

TransUnion (TRU) is currently trading at $66.13 with a market capitalization of $12.7B. The trailing P/E ratio stands at 18.32x, with a forward P/E of 11.85x. The 52-week range spans from $64.51 to $99.39; the current price is 33.5% below the yearly high. Year-over-year revenue growth stands at +13.7%. The net profit margin stands at 14.9%.

💰 Dividend

TransUnion pays an annual dividend of $0.50 per share, representing a yield of 0.76%. The payout ratio stands at 13.02%.

📊 Analyst Rating

21 analysts rate TransUnion (TRU) on consensus: Buy. The average price target is $90.10, implying +36.24% from the current price. Analyst price targets range from $75.00 to $108.00.

TransUnion: The Investment Case in Detail

TransUnion (TRU) operates in the Financial Services — specifically Financial Data & Stock Exchanges — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

The Bull Case

Revenue is growing at a healthy 13.7% pace year-over-year, suggesting the business model continues to find new customers and pricing power. Earnings growth of 172% is outpacing revenue, a sign of operational leverage — fixed costs are being absorbed across a larger base. The combination of a 58.83% gross margin and 19.65% operating margin shows the business converts revenue into profit efficiently — a hallmark of competitive moat.

Valuation in Context

The PEG ratio at 1.06 sits in the reasonable zone — the price tag is roughly aligned with the company's growth profile, neither punishing nor euphoric.

What to Watch Next

• The forward P/E of 11.85x is meaningfully below the trailing 18.32x — analysts expect earnings to step up; the next earnings release is the test.
• The price sits in the lower quartile of the 52-week range — value hunters often start scaling in around this zone if fundamentals hold.
• The analyst consensus price target implies 36.24% upside — if the next two quarters confirm the underlying thesis, target hikes typically follow.

Investment Thesis: Strengths & Weaknesses

Technical Snapshot

Price is below both the 50- and 200-day moving averages, with 50d below 200d — a bearish picture (death-cross alignment).

Risk Profile

The data points to above-average price swings, elevated short interest (5.12%), higher leverage relative to equity.

Trading Data

💵 Dividend Info

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