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/TRU
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TransUnion

TransUnion

TRU
$77.70USD↑+0.97%+0.75 today

MARKET CAP

14.9B

P/E (TTM)

21.5x

FWD P/E

—

DAY RANGE

$77 – $78

52W RANGE

$63
$96

AI Summary

Stalk
Sell NowMedium

TRU is in a Stage 3 distribution and shows signs of structural repair, with price below key moving averages and a bearish pivot point confirming downside mean reversion. Medium-term bias is bearish, and short-term price action—featuring rejection at the 9/20 EMAs and continued downside momentum—favors further selling. Execution should be immediate, selling into any relief rallies up toward the 9 or 20 EMA cluster near prior support-turned-resistance. A reclaim and close above the 50-period SMA would invalidate this bearish outlook.

  • ↑Q2 revenue rose 14.9% YoY to $1.31B, driven by 24% U.S. Financial Services growth.
  • ↑Adjusted EPS $1.23 up 13% YoY; adjusted EBITDA grew 12% to $455M.
  • ↓Total debt $5.59B with 2.6x leverage heightens refinancing vulnerability.
Full analysis →

The case for & against

Bull & Bear analysis

Bullish

TransUnion (NYSE: TRU) is a leading global information and insights company specializing in consumer credit reporting and analytics solutions. Operating in various sectors including financial services, insurance, and emerging markets, TransUnion leverages advanced technologies, including artificial intelligence (AI), to provide solutions that facilitate risk assessment, fraud detection, and data-driven decision-making. Positioned favorably within the evolving credit landscape, TransUnion aims for robust growth through modernization of its platforms and expansion into new verticals.

Bull says

  • ↑Q2 revenue rose 14.9% YoY to $1.31B, driven by 24% U.S. Financial Services growth.
  • ↑Adjusted EPS $1.23 up 13% YoY; adjusted EBITDA grew 12% to $455M.
  • ↑Launched 40 AI-powered products in H1 2026; modernizing One True platform.
  • ↑Repurchased ~$150M shares YTD under $1B authorization, demonstrating shareholder-return focus.
  • ↑High earnings yield and strong institutional ownership underpin value thesis.
  • ↑Leverage ratio 2.6x indicates disciplined debt management amid growth.

Bear says

  • ↓Total debt $5.59B with 2.6x leverage heightens refinancing vulnerability.
  • ↓Negative dividend yield indicates limited shareholder cash returns.
  • ↓High interest-rate sensitivity may raise costs and weigh on demand.
  • ↓Weak momentum factors reflect recent underperformance versus peers.
  • ↓Slower labor market and credit stress could reduce lending volume.
  • ↓Competition from fintech entrants and major credit bureaus may compress margins.

Investment themes with TRU

Financial Data Providers↑ +1.23%

SPGI · MCO · MSCI
Bespoke 'AI Doom' Basket↑ +0.90%

MA · V · COF

Earnings Call · Q2 2025 · Mgmt. Guidance

Updated 08-17-2026neutral

Transcript signals

Bull points

  • the stability that we see in the market environment, even at an elevated interest rate, allows funding to flow back into the market, and that takes care of the supply side of things.
  • in the second quarter, we exceeded our guidance across all key financial metrics driven by broad-based outperformance in our U.S. market segment led by financial services.
  • Second quarter consolidated revenue increased 10% on a reported and 9% on an organic constant currency basis.

Bear points

  • you know, sound modestly, and then for the full year also, you know, be down modestly as well, too.
  • we expect mortgage inquiries to decline modestly.
  • We anticipate Consumer Interactive decreasing low single-digit but increasing low single-digit when excluding the impact of last year's large breach win.
Read full transcript analysis ›