At a glance
TransUnion is worth $14.17B, about 32 times its fiscal 2025 earnings. Revenue grew 9.4% to $4.58B in fiscal 2025, with 10.0% kept as profit; over 5 years it has grown 12.6% a year. It pays a 0.68% dividend yield, and returned $704.6M to shareholders in dividends and buybacks over FY2021–FY2025. The stock returned −9.8% over the past year with dividends reinvested and −7.8% a year over five years, against +11.5% and +11.7% for the S&P 500. At its worst it fell 45.2% in the 2020 crash (S&P 500: 33.7%) and 52.7% in the 2022 bear market (S&P 500: 24.5%).
The business in plain English
TransUnion, founded in 1968 to provide regional credit reports, collects and analyzes information about consumers: credit accounts, identity details, digital device activity, insurance claims, and public records such as bankruptcies and liens. It draws on thousands of sources. Much of the data comes through a "contributory" model, in which customers such as lenders share account information, so TransUnion gets updates at little or no cost. It cleans and links the data, more and more on its OneTru platform, and sells the insights.
Businesses pay TransUnion to assess credit risk, market to customers, verify identities and fight fraud. Customers include banks, credit card issuers, online and point-of-sale lenders, auto lenders and insurers, telecom and cable companies, retailers, media firms and government agencies. Consumers also use its tools to view their credit and guard against identity theft. The company describes its revenue as recurring, with historically high customer retention.
In fiscal 2025, revenue was $4.58 billion. The U.S. Markets segment brought in $3.58 billion, about 78%, and International brought in $1.01 billion, about 22%. TransUnion operates in more than 30 countries and territories. Its 10-K, filed February 27, 2026, said a deal to acquire majority ownership of Trans Union de Mexico, the consumer credit business of Mexico's largest credit bureau, was expected to close in the first quarter of 2026.
Price history
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TRU -9.8% over the year to Oct 28, 2026, total return with dividends reinvested.
How it makes money
By business segment
| U.S. Markets | $3.58B | 78.2% |
| International | $1.01B | 22.1% |
Latest results
- In Q3 FY2026 (ended Sep 30, 2026), revenue was $1.31B, up 12.2% from a year earlier, and net income was $156.2M (+61.7%).
- For fiscal 2025, revenue was $4.58B (+9.4% year over year; +12.6% a year from FY2020 to FY2025) with a 10% net margin.
Financial health check
| Revenue growth a year (FY2020–FY2025) | +12.6% good |
|---|---|
| Operating margin | 18.7% good |
| Free cash flow margin | 14.5% good |
| Return on equity (FY2025) | 10.3% watch |
| Return on assets (FY2025) | 4.1% watch |
| Net cash (cash minus debt) | $-4.57B weak |
| Fiscal year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2020 | $2.53B | $343.2M | $582.0M |
| FY2021 | $2.96B | $1.39B | $584.1M |
| FY2022 | $3.71B | $266.3M | $-1.0M |
| FY2023 | $3.83B | $-206.2M | $334.7M |
| FY2024 | $4.18B | $284.4M | $516.7M |
| FY2025 | $4.58B | $455.4M | $661.6M |
Valuation snapshot
| Market value | $14.17B |
|---|---|
| P/E ratio | 32 |
| Dividend yield | 0.68% |
Rank among 1514 US companies
Market value at each year end
TransUnion’s market value went from $5.66B at the end of 2016 to $14.17B on Oct 28, 2026, about 2.5 times as much; since the end of 2025 it is down 15%.
Show as a table
| Year end | Market value | Change |
|---|---|---|
| Oct 28, 2026 | $14.17B | -14.9% |
| 2025 | $16.65B | -7.8% |
| 2024 | $18.07B | +35.8% |
| 2023 | $13.31B | +21.7% |
| 2022 | $10.94B | -51.9% |
| 2021 | $22.72B | +20.3% |
| 2020 | $18.88B | +17.1% |
| 2019 | $16.12B | +53.2% |
| 2018 | $10.53B | +5.0% |
| 2017 | $10.02B | +77.1% |
| 2016 | $5.66B |
Price behavior
| YTD | 1 yr | 3 yr | 5 yr | 10 yr | |
|---|---|---|---|---|---|
| TRU price data to Oct 28, 2026 | -12.9% | -9.8% | +20.1% | -7.8% | +9.6% |
Show as a table
| Year | Price data |
|---|---|
| 2026 (to date) | -12.9% |
| 2025 | -7.0% |
| 2024 | +35.6% |
| 2023 | +21.9% |
| 2022 | -51.9% |
| 2021 | +19.9% |
| 2020 | +16.3% |
| 2019 | +51.4% |
| 2018 | +3.7% |
| 2017 | +77.7% |
| 2016 | +12.2% |
| 2008 financial crisis stocks fell Oct 9, 2007 – Mar 9, 2009 | Before this security existed |
|---|---|
| 2020 COVID crash stocks fell Feb 19, 2020 – Mar 23, 2020 | Lost 43.6% over that stretch · deepest drop along the way 45.2%, back to its old high 9.1 months after the low |
| 2022 bear market stocks fell Jan 3, 2022 – Oct 12, 2022 | Lost 51.4% over that stretch · deepest drop along the way 52.7%, not recovered by the end of the data |
Insider activity
Form 4 filings from 2025-10-29 to 2026-10-29 (25 read): 0 open-market purchases and 14 sales ($5.2M), 13 of them under pre-arranged 10b5-1 trading plans.
| Date | Insider | Type | Value |
|---|---|---|---|
| Jul 28, 2026 | Mohamed Abdelsadek EVP, Chief Global Solutions | sell (plan) | $2.0M |
| Sep 10, 2026 | Venkat Achanta EVP, Chief Tech, Data & Analy. | sell | $1.8M |
| Aug 11, 2026 | Alicia Brooke Zuiker EVP, CHRO | sell (plan) | $681K |
| Sep 14, 2026 | Mohamed Abdelsadek EVP, Chief Global Solutions | sell (plan) | $99K |
| Aug 31, 2026 | Jennifer A. Williams SVP, Chief Accounting Officer | sell (plan) | $90K |
Who owns it
Large shareholders (13G filings)
| Dodge & Cox | 12.1% | May 31, 2026 |
| BlackRock, Inc. | 9.6% | Sep 30, 2025 |
| Independent Franchise Partners, LLP | 6.29% | Mar 31, 2026 |
| FMR LLC | 6% | Jun 30, 2026 |
| Massachusetts Financial Services Company | 5.6% | Jun 30, 2026 |
| Vanguard Capital Management | 5.35% | Mar 31, 2026 |
| Wellington Management Group LLP | 3.4% | Jun 30, 2026 |
ETFs with the most weight in TRU
| MGRO VanEck Morningstar Wide Moat Growth ETF | 4.31% |
| MOTE VanEck Morningstar ESG Moat ETF | 2.4% |
| MOAT VanEck Morningstar Wide Moat ETF | 2.26% |
| TMFM Motley Fool Mid-Cap Growth ETF | 2.24% |
| SMOT VanEck Morningstar SMID Moat ETF | 1.22% |
| GURU Global X Guru Index ETF | 1.09% |
| DTEC ALPS Disruptive Technologies ETF | 0.96% |
| VIS Vanguard Industrials ETF | 0.33% |
What could go wrong
- Tied to U.S. lending and credit cycles. Revenue is concentrated in U.S. financial services and consumer credit, and U.S. Markets supplied about 78% of fiscal 2025 revenue. When lending slows or financial markets slump, demand for its services can fall.
- A data breach could be very costly. TransUnion holds sensitive data on a large share of adults in its markets. A cyberattack or leak, or the perception that data isn't secure, could mean lost business, regulatory action, lawsuits and reputational harm.
- Close oversight by a federal consumer regulator. The Consumer Financial Protection Bureau (CFPB), a federal regulator, can examine TransUnion and bring enforcement actions. Penalties, lawsuits or new rules could raise costs or limit what its products can do.
- Losing access to key data sources. Its products depend on information from thousands of sources, including financial institutions and public records. If important sources stopped sharing or access were cut, TransUnion could be unable to provide some services.
- A heavy debt load. As of September 30, 2026, TransUnion had about $5.46 billion of debt and $884 million of cash and investments. Debt payments could limit flexibility, and its bank loan terms can restrict dividends.
- Competition and cheaper consumer data. TransUnion faces significant competition, including in new markets it enters. If free or inexpensive consumer information becomes more widely available, demand for some of its services could drop.
Recent events
- Quarterly results released; Investor presentation or announcement
- Executive or board change; Investor presentation or announcement
- Quarterly results released; Investor presentation or announcement
- Shareholder vote results
- Quarterly results released; Investor presentation or announcement
- Investor presentation or announcement
- Major agreement signed; Quarterly results released; New debt or financial obligation; Investor presentation or announcement
- Executive or board change
For income and retirement investors
TransUnion pays a small dividend: the yield was 0.68% as of October 28, 2026, so most of any return would come from share price changes, not income. Dividends per share rose from $0.36 in fiscal 2021 to $0.46 in fiscal 2025, but stayed at $0.42 in 2023 and 2024, so the streak of increases is one year. Fiscal 2025 dividends used about 20% of earnings and 14% of free cash flow (cash left after running and investing in the business). TransUnion bought back $302 million of stock in fiscal 2025, after none in 2023 and 2024, yet the share count barely changed from January 2022 to September 2026.
The shares have fallen hard in downturns. They dropped 45% in the 2020 COVID crash and recovered by December 2020. In the 2022 bear market they fell 53% and had not regained that peak as of October 28, 2026. Single stocks carry more risk than diversified funds.
Questions investors ask
How does TransUnion make money?
TransUnion makes money by selling data and analytics built from consumer credit, identity and other records. Lenders, insurers, telecom companies, retailers and government agencies pay it to assess credit risk, verify identities, fight fraud and reach customers with marketing. Consumers also use its tools to view their credit and guard against identity theft. In fiscal 2025, revenue was $4.58 billion. The U.S. Markets segment supplied about 78% and International about 22%.
Does TransUnion pay a dividend?
Yes, but it is small. The yield was 0.68% as of October 28, 2026. Dividends per share were $0.46 in fiscal 2025, up from $0.42 in each of the two years before, so the streak of annual increases stands at one year. That payout used about 20% of earnings and 14% of free cash flow. TransUnion also bought back $302 million of stock in fiscal 2025, and its loan terms can limit dividends.
Is TransUnion's revenue growing?
Yes. Revenue has risen every year since fiscal 2020 and reached $4.58 billion in fiscal 2025, up 9.4%. Over the five years from fiscal 2020, it grew about 12.6% a year on average. Profits have been less steady: net income was $455 million in fiscal 2025, up 60%, after a $206 million loss in fiscal 2023. In the quarter ended September 30, 2026, revenue rose 12.2% from a year earlier to $1.31 billion.
How much debt does TransUnion have?
Quite a lot. As of September 30, 2026, TransUnion had about $5.46 billion of debt and $884 million of cash and investments, so net debt (debt minus cash) was about $4.57 billion. Shareholders' equity was about $4.85 billion. The company lists its substantial debt as a risk, because it must generate enough cash to make payments or refinance on acceptable terms. Free cash flow was $662 million in fiscal 2025.
How has TransUnion stock performed?
Unevenly, with big swings. As of October 28, 2026, its price-based return was a 9.8% loss over one year, a 20.1% annual gain over three years, a 7.8% annual loss over five years and a 9.6% annual gain over ten years. The stock fell 51.9% in calendar 2022 and was down 12.9% for 2026 through October 28. On that date it traded at about 32 times fiscal 2025 earnings, a price-to-earnings (P/E) ratio of 32.