TransUnion (TRU) Q3 2026 earnings — TrendMatrix coverage
Reported
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Full disclosure · Editorial policy
Key numbers
- Adjusted EPS
- $1.25
- Estimate
- $1.21
- Surprise
- +3.2%
- Revenue (period 2026-09-30)
- $1.31B
- Score at report (before → after)
- 6.4 → 6.4/10
Revenue source: xbrl.
How the report landed
TransUnion (TRU) beat the $1.21 estimate with adjusted EPS of $1.25 — a clear 3.2% upside surprise. TrendMatrix's engine moved from Hold (6.4/10) to Sell at 6.4/10 after the report.
Where TrendMatrix's rating stands now
TrendMatrix currently rates TRU Sell at 6.4/10.
4 of the last 4 quarters beat the estimate; this quarter's +3.2% surprise compares with a +5.1% four-quarter average.
What supports the rating
- Sector modifier (Financial Services): +1.0
- Strong earnings beat streak (4/4)
What argues against it
- Thin upside margin: 5.6%
- Leverage penalty (D/E 1.1): -0.5
- Red flag in news: 'fraud'
This section and the ones below it reflect TrendMatrix’s latest engine read — they update after the report date and are not frozen to it.
The levels TrendMatrix's engine tracks
- Current price
- $75.42
- Price target
- $79.67
- Stop
- $70.14
- Upside to target
- +5.6%
- Reward-to-risk
- 0.4:1
The stock trades at 18.4× trailing but 14.0× forward earnings — consensus estimates already build in a substantial earnings recovery.
Model outputs from TrendMatrix’s engine as of 2026-10-28 — shown for context, not personalized investment advice.
TRU at TrendMatrix's latest read
For financials, the EPS print is only half the story: credit costs, reserve builds, and rate sensitivity decide how a quarter actually lands.
- Industry
- Financial Data & Stock Exchanges
- Market cap
- $14.45B
- P/E (fwd)
- 14.0
- P/E (ttm)
- 18.4
- 52-week range
- $60.96–$89.12
- Off 52-week high
- 15.4%
- RSI (14)
- 70
- Volume vs avg
- 1.42×
- Score today
- 6.4/10