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→Stable
- Perfect Earnings Beat Streak↑Improving
- Analyst Upside Favorable Risk Reward↑Improving
- +1 more pillar — see the Why tab for full reasoning
TransUnion (TRU) Stock Analysis
Momentum Cont setup
Financial Services · Financial Data & Stock Exchanges
Wait for pullback to $74.56. At $80.26 the A.R:R is 0.2:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $74.56 (support + ATR (held)) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: 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
Wait for pullback to $74.56. At $80.26 the A.R:R is 0.2:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $74.56 (support + ATR (held)) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Analyst target reached - limited upside remaining; Leverage penalty (D/E 1.1): -0.5. Chart setup: Trend continuation, RSI 60, MACD bullish. Maintain position. Not compelling to add more. | News modifier +2 (HOLD_IF_HOLDING → STRONG_BUY_WAIT) Score 6.6/10, moderate confidence.
Passes 8/10 gates (positive momentum, clean insider activity, no SEC red flags, news boost analyst 0.60, news boost analyst cluster(3), earnings proximity 84d 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 2026-07-31Recent Developments — TransUnion
Latest news
- NEWS TransUnion Stock (TRU) Opinions on Q2 Earnings Beat - Quiver Quantitative — Quiver Quantitative positive
- NEWS TransUnion Stock (TRU) Opinions on Q2 Earnings Beat - quiverquant.com — quiverquant.com positive
- NEWS Needham raises TransUnion stock price target to $100 on Q2 beat - Investing.com — Investing.com positive
- 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
Generated 2026-07-31T03:58:35Z.
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.
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Rating Breakdown
10 dimensions · all in-band
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Wait for pullback to $74.56. At $80.26 the A.R:R is 0.2:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $74.56 (support + ATR (held)) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Analyst target reached - limited upside remaining; Leverage penalty (D/E 1.1): -0.5. Chart setup: Trend continuation, RSI 60, MACD bullish. Maintain position. Not compelling to add more. | News modifier +2 (HOLD_IF_HOLDING → STRONG_BUY_WAIT) Target $82.16 (+2.4%), stop $67.26 (−19.3%), A.R:R 0.3:1. Score 6.6/10, moderate confidence.
Take-profit target: $82.16 (+2.4% upside). Target $82.16 (+2.4%), stop $67.26 (−19.3%), A.R:R 0.3:1. Stop-loss: $67.26.
Analyst target reached - limited upside remaining; Leverage penalty (D/E 1.1): -0.5.
TransUnion trades at a P/E of 23.2 (forward 14.9). TrendMatrix value score: 6.3/10. Verdict: Buy (Wait for Entry).
26 analysts cover TRU with a consensus score of 4.0/5. Average price target: $91.
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%.