TransUnion is a high-quality data and credit business (Piotroski 8/9, 16% margins) with breakout momentum, but only 5.7% upside to the analyst target, a forward P/E of 14.3x and steady insider selling limit the setup.
Thesis pillars
- High Quality Strong Margins↑Improving
- Earnings Growth Momentum↑Improving
- Thin Upside To Target↓Deteriorating
- +2 more pillars — see the Why tab for full reasoning
Pillars as of Nov 1, 2026, based on the 10-K filed Feb 27, 2026
TransUnion (TRU) Stock Analysis
Breakout setup
Financial Services · Financial Data & Stock Exchanges
Hold if already holding. Not a fresh buy at $82.13, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Leverage penalty (D/E 1.1): -0.5.
TransUnion provides consumer credit reporting, fraud detection, marketing analytics, and identity resolution to businesses and consumers in over 30 countries. The company earns transactional and subscription-based revenue from lenders, insurers, retailers, and government... Read more
Hold if already holding. Not a fresh buy at $82.13, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Leverage penalty (D/E 1.1): -0.5. Chart setup: Golden cross, above all MAs, RSI 63, MACD bullish. Maintain position. Not compelling to add more. Score 6.2/10, moderate confidence.
Passes 7/8 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 98d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.
About TransUnion
About TransUnion
TransUnion's 2025 revenue was concentrated in U.S. Markets, with the Financial Services vertical accounting for approximately 37% of consolidated gross revenues and the Consumer Interactive vertical approximately 13%, making these two domestic segments the dominant revenue sources globally. The company processes data on over one billion consumers across more than 30 countries in North America, Latin America, Europe, Africa, India, and Asia Pacific, delivering credit risk, fraud mitigation, marketing analytics, and identity resolution solutions through its OneTru platform.
TransUnion generates revenue from transactional volume — lenders running credit checks, insurers pulling risk scores, employers screening candidates — and from subscription-based analytics and marketing solutions. Customer agreements in the U.S. Markets core credit segment are typically terminable on advance written notice ranging from 30 days to six months by either party, providing customers with the ability to renegotiate pricing or move to competitors. Industry consolidation could reduce the transactional base if merged customers operate under a single contract with volume discounts. The company has built adjacent verticals including fraud, marketing, and tenant screening to reduce exposure to cyclical credit demand. Global Capability Centers in India, South Africa, and Costa Rica now represent approximately 42% of the global workforce, supporting operational efficiency across software development, analytics, and back-office functions.
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The Consumer Financial Protection Bureau has supervisory and examination authority over TransUnion's business and may initiate enforcement actions for non-compliance with federal consumer financial laws, as explicitly named in the company's 10-K risk factors. A July 2025 cyberattack — in which a third party gained unauthorized access through social engineering to a customer support application — exposed personal data of 4.4 million consumers, triggering regulatory inquiries and class action lawsuits. With more than 50 disparate U.S. state and federal notification regimes applicable to consumer data breaches, future incidents may trigger multi-jurisdiction enforcement actions that could adversely affect operating costs and reputation.
See also: Financial Services · Financial Data & Stock Exchanges
From TransUnion's most recent 10-K filing, extracted June 16, 2026.
Recent developments
updated Oct 28, 2026Recent Developments — TransUnion
Latest news
- NEWS TransUnion (TRU) Stock Price Slides As Q3 Earnings Meet Margin Doubts - Yahoo Finance — Yahoo Finance Oct 28, 2026 negative
- NEWS TRU Maintains by UBS -- Price Target Raised to $83.00 - GuruFocus — GuruFocus Oct 21, 2026 positive
- NEWS Is TransUnion (NYSE:TRU) Potentially Undervalued? - Moomoo — Moomoo Oct 21, 2026 positive
- NEWS TransUnion Stock Gets A Boost From Bankrate Partnership And Marketing Award - Yahoo Finance — Yahoo Finance Oct 21, 2026 positive
- NEWS TransUnion and Bankrate Launch Hyper-Personalized Credit Matching for Millions of Consumers - FF News — FF News Oct 14, 2026 positive
Latest item Oct 28, 2026 · Generated 2026-11-05T11:34:09Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- MEDIUMProductU.S. Markets Financial Services vertical37%10-K Item 1A: 'Our 2025 revenue in our U.S. Markets Financial Services and Consumer Interactive verticals accounted for approximately 37% and 13%, respectively, of consolidated gross revenues'
- LOWProductConsumer Interactive vertical13%10-K Item 1A: 'Our 2025 revenue in our U.S. Markets Financial Services and Consumer Interactive verticals accounted for approximately 37% and 13%, respectively, of consolidated gross revenues'
- MEDIUMGeographicUnited States10-K Item 1A: 'a significant amount of our revenue is concentrated among certain customers, industries, product offerings and in distinct geographic regions, primarily in the United States'
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Editorial policy
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Rating Breakdown
1 floor-breaker
Technicals below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $82.13, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Leverage penalty (D/E 1.1): -0.5. Chart setup: Golden cross, above all MAs, RSI 63, MACD bullish. Maintain position. Not compelling to add more. Analyst target $81.17 reached (−1.2%), stop $76.38 (−7.5%), A.R:R -0.1:1. Score 6.2/10, moderate confidence.
Analyst target $81.17 reached (−1.2% from $82.13); no take-profit level is published. Analyst target $81.17 reached (−1.2%), stop $76.38 (−7.5%), A.R:R -0.1:1. Stop-loss: $76.38.
Analyst target reached - limited upside remaining; Leverage penalty (D/E 1.1): -0.5.
TransUnion trades at a P/E of 20.0 (forward 15.3). TrendMatrix value score: 6.2/10. Verdict: Hold.
27 analysts rate TRU, with a consensus score of 4.0/5. 21 analysts publish price targets averaging $90.
What does TransUnion do?TransUnion provides consumer credit reporting, fraud detection, marketing analytics, and identity resolution to...
TransUnion provides consumer credit reporting, fraud detection, marketing analytics, and identity resolution to businesses and consumers in over 30 countries. The company earns transactional and subscription-based revenue from lenders, insurers, retailers, and government agencies; the U.S. Markets Financial Services vertical generated approximately 37% of 2025 consolidated gross revenues, with Consumer Interactive contributing approximately 13%.