Stock AnalizTransUnion TRU
Finance: Consumer Services · IPO 2015 · data as of November 13, 2026
TransUnion (TRU) is a financial company listed in the US with a market value of about $15.5B. In the twelve months to September 30, 2026 it had revenue of $5.0B and net income of $798M, a net margin of 15.8%.
Its overall Stock Analiz score is 2.0 out of 5 (weak). The strongest part is shareholder returns (4/5); the weakest is future growth (1/5).
Key numbers: a P/E of 19.7, a price to free cash flow of 17.0, 5-year revenue growth of 13% a year, a 5-year average ROIC of 4%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 24% below the current price.
Score: 2.0 / 5
Checks passed
- P/E below 25
- P/FCF below 20
- Profit margin improving
- 5-year revenue growth above 8% a year
- Positive free cash flow
- Liabilities below 60% of assets
- Pays a dividend
- 20% to 100% of free cash flow returned to shareholders
Checks not passed
- P/E below the industry median
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $5.0B | $4.6B | $4.2B | $3.8B | $3.7B | $3.0B | $2.5B | $2.5B | $2.3B | $1.9B | $1.7B |
| Net income | $798M | $455M | $284M | -$206M | $266M | $1.4B | $343M | $347M | $277M | $441M | $121M |
| Free cash flow | $910M | $662M | $517M | $335M | -$1M | $584M | $582M | $588M | $376M | $330M | $266M |
| EPS (diluted) | $4.11 | $2.32 | $1.45 | $-1.07 | $1.38 | $7.20 | $1.79 | $1.81 | $1.45 | $2.32 | $0.65 |
| Net margin | 15.8% | 10.0% | 6.8% | -5.4% | 7.2% | 47.0% | 13.6% | 14.1% | 11.9% | 22.8% | 7.1% |
| ROIC | — | 6.5% | 5.3% | 1.1% | 4.3% | 4.6% | 6.5% | 7.3% | 7.3% | 8.8% | 5.1% |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 21 analysts is $90.29, 11% above the current price; targets range from $70.00 to $103.00; the consensus rating is “Buy”; expected EPS is $4.87 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is TransUnion’s P/E ratio?
About 19.7, based on the last twelve months of diluted earnings per share (forward P/E about 15.8).
Is TransUnion stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 24% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does TransUnion pay a dividend?
Yes. The dividend yield is about 0.66%, and it has paid dividends for 8 years in our data.
Is TransUnion a good stock to buy?
We do not give buy or sell advice. TransUnion scores 2.0 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.