TransUnion has beaten earnings estimates in all 4 of the last 4 quarters, carries a 34% analyst upside with favorable risk/reward of 4.66x, and trades at a forward P/E of 12.1x with a PEG of 1.07 — making it the strongest fundamental setup in this group despite near-term technical weakness from a death cross pattern.
Thesis pillars
- Death Cross Technical Headwind↓Deteriorating
- Perfect Earnings Beat Streak→Stable
- Analyst Upside Favorable Risk Reward↑Improving
- +1 more pillar — see the Why tab for full reasoning
TransUnion (TRU) Stock Analysis
Range Bound setup
Financial Services · Financial Data & Stock Exchanges
Wait for pullback to $72.68. At $76.51 the A.R:R is 0.5:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $72.68 (5% below current) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Thin upside margin: 5.8%; Leverage penalty (D/E 1.2): -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
Wait for pullback to $72.68. At $76.51 the A.R:R is 0.5:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $72.68 (5% below current) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Thin upside margin: 5.8%; Leverage penalty (D/E 1.2): -0.5. Chart setup: RSI 43 mid-range, Bollinger mid-band. Earnings in 3 days. Wait until post-earnings. Score 6.2/10, moderate confidence.
Passes 5/9 gates (clean insider activity, no SEC red flags, news events none recent, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio and death cross (50MA < 200MA) and earnings proximity 3d<=7d. 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.
Show full overview
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 2026-07-26Recent Developments — TransUnion
Latest news
- NEWS TransUnion Canada Survey Finds Canadians Cautiously Improving Financial Outlook Amid Ongoing Inflation, Credit and Fraud — Quiver Quantitative neutral
- NEWS TransUnion CLO Heather J Russell sells $158,640 in stock - Investing.com — Investing.com negative
- NEWS TransUnion Applauds FHFA, HUD for Advancing VantageScore in Mortgage Lending - GlobeNewswire — GlobeNewswire positive
- NEWS TRU Q1 2026 Earnings: EPS Beat Amid Mixed Signals, Shares Edge Lower - Weak Earnings Momentum - newsline.com — newsline.com positive
- NEWS Is It Too Late to Buy TransUnion (TRU) After 3.2% Rally? GF Value Says Undervalued - GuruFocus — GuruFocus positive
Generated 2026-07-26T11:02:50Z.
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.
Show full disclosure ▾Hide full disclosure ▴
About TrendMatrix. TrendMatrix is a publisher of general securities research and market commentary. We publish on a regular schedule. All content is the same for every subscriber in a tier — we do not provide personalized investment advice and we do not take into account any individual subscriber's financial situation, investment objectives, risk tolerance, tax situation, or holdings.
Not investment advice. TrendMatrix is not a registered investment adviser. Our content is for informational and educational purposes only. Consult your own licensed investment adviser, broker, or tax professional before making any investment decision.
Conflicts and positions. The TrendMatrix editorial team frequently holds personal long-term positions in securities discussed. We disclose positions held at the time of publication on each piece. We maintain a trading-window policy: we do not initiate or close positions in the same direction as a TrendMatrix publication within 24 hours before or 72 hours after publication.
No paid promotion. TrendMatrix does not accept payment from any issuer, broker, or third party in exchange for coverage of any security. Our sole compensation is subscription revenue.
No fiduciary duty. No fiduciary, advisory, or agency relationship is created between you and TrendMatrix by reading our content or subscribing to our service.
Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.
Rating Breakdown
1 floor-breaker
Momentum 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
Wait for pullback to $72.68. At $76.51 the A.R:R is 0.5:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $72.68 (5% below current) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Thin upside margin: 5.8%; Leverage penalty (D/E 1.2): -0.5. Chart setup: RSI 43 mid-range, Bollinger mid-band. Earnings in 3 days. Wait until post-earnings. Target $80.96 (+5.8%), stop $67.59 (−13.2%), A.R:R 0.5:1. Score 6.2/10, moderate confidence.
Take-profit target: $80.96 (+5.8% upside). Target $80.96 (+5.8%), stop $67.59 (−13.2%), A.R:R 0.5:1. Stop-loss: $67.59.
Thin upside margin: 5.8%; Leverage penalty (D/E 1.2): -0.5.
TransUnion trades at a P/E of 20.5 (forward 13.7). TrendMatrix value score: 6.8/10. Verdict: Buy (Wait for Entry).
26 analysts cover TRU with a consensus score of 4.0/5. Average price target: $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%.