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One of the three major US consumer credit bureaus, selling credit reports and risk/fraud analytics to lenders.
One of the three major US consumer credit bureaus, selling credit reports and risk/fraud analytics to lenders.
Lenders and other businesses pay a small fee each time they pull a credit report or score, so volumes follow loan applications, supplemented by subscriptions for fraud, identity and marketing analytics. Banks and lenders supply the underlying data, which it pools into a single file per consumer. Outside the US it owns bureaus in places such as Canada and India.
Moat: wide (scale, data, network effects). National credit-bureau data archive that is costly and slow for a new entrant to replicate.
Headquarters: Chicago, Illinois, US · Founded: 1968 · Employees: 13,500
Size TransUnion (TRU) is a United States Industrials company (Financial Publishing/Services) with a market value of $15.5B, the 585th largest of 3,117 United States companies the cockpit tracks. Shares closed at $81.18 on 6 Nov 2026.
Performance Over six months the shares gained 12.8%, against -0.6% for the median peer and -1.1% for the United States market (cap-weighted) — 4th highest of 21 in its peer set.
Growth Revenue grew 13.4% over the last twelve months (peer median +10.4%); the operating margin is 15.4% (peer median 17.9%).
Valuation It trades at 15.9× forward earnings against a peer median of 21.0× (5th cheapest of 21).
Price implies For today's price to make sense, revenue must grow about 20% a year for seven years (Req g). Recent delivered growth is +13%, so the hurdle is +8 pp: the price needs faster growth than the company has been delivering — of companies that just grew 25–50% a year, 93.8% slowed down over the next four years.
Capital Return on invested capital runs 4.5 points below its cost of capital (10.8% WACC).
Backlog Backlog (remaining performance obligations) was $1.19B at 30 Sep 2026, up 49% on a year earlier — 0.2 years of trailing revenue. Backlog detail →
Short interest Short interest is 7.3% of the free float (15 Oct 2026).
Next results Next results expected around 16 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $5.04B | $4.58B | $4.18B | $3.83B | $3.71B |
| Revenue growth | — | +9% | +9% | +3% | — |
| Gross profit | $2.34B | $2.13B | $1.97B | $1.79B | $1.81B |
| EBITDA | $1.40B | $1.49B | $1.33B | $1.18B | $1.20B |
| Net income | $798M | $455M | $284M | -$206M | $258M |
| Free cash flow | $910M | $662M | $517M | $331M | -$1.00M |
| Capital expenditure | $298M | $326M | $316M | $311M | $298M |
| Total debt | $5.53B | $5.16B | $5.21B | $5.45B | $5.81B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | Op. margin | Forward P/E | Req g |
|---|---|---|---|---|---|---|
| TransUnion TRU | $15.5B | +13% | +13% | 15% | 15.9× | 20.3% |
| Equifax EFX | $22.2B | +8% | +11% | 19% | 20.9× | 16.9% |
| Experian EXPN.L | $36.1B | +16% | +7% | 25% | 20.5× | 14.6% |
| Fair Isaac FICO | $15.2B | -37% | +24% | 52% | 15.7× | 7.3% |
Peer set: Sector in the same market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | TRU | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +25.7% | +5.4% | 2nd highest of 21 |
| 6-month return | +12.8% | -0.6% | 4th highest of 21 |
| Distance from 52-week high | -8.9% | -18.9% | 6th highest of 21 |
| Revenue growth (TTM) | +13.4% | +10.4% | 8th highest of 21 |
| Operating margin | 15.4% | 17.9% | 10th lowest of 21 |
| Forward P/E | 15.9× | 21.0× | 5th cheapest of 21 |
| Growth the price implies (Req g, 7 yrs) | 20.3% | 11.0% | 4th most demanding of 21 |
| Growth delivered (Del g) | +12.6% | +8.2% | 9th highest of 21 |
| Hurdle (Req g minus delivered) | +7.7 pp | +2.8 pp | 5th most demanding of 21 |
| ROIC minus cost of capital | -4.5 pp | +4.5 pp | lowest of 21 |
| EV / EBITDA | 14.5× | 15.8× | 10th cheapest of 21 |
| Net debt / EBITDA | 3.3× | 1.8× | 2nd most indebted of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | Op. margin | Forward P/E | Req g | Delivered g |
|---|---|---|---|---|---|---|---|---|
| TransUnion TRU | United States | $15.5B | +13% | +13% | 15% | 15.9× | 20.3% | +12.6% |
| Allegion ALLE | United States | $15.6B | +39% | +10% | 22% | 18.7× | 7.6% | +8.4% |
| NXT NXT | United States | $15.8B | -17% | +14% | 19% | 20.9× | 22.0% | +24.4% |
| Masco MAS | United States | $15.8B | +15% | +1% | 18% | 18.0× | 4.9% | +1.0% |
| UL Solutions ULS | United States | $15.9B | -22% | +6% | 19% | 31.2× | 9.1% | +5.8% |
| RBC Bearings RBC | United States | $15.0B | -22% | +17% | 26% | 29.6× | 26.0% | +25.2% |
| Clean Harbors CLH | United States | $15.0B | -2% | +10% | 13% | 29.2× | 11.7% | +13.9% |
| Lincoln Electric LECO | United States | $14.9B | +2% | +11% | 18% | 22.0× | 13.3% | +9.7% |
| Leidos LDOS | United States | $16.2B | +2% | +3% | 12% | 11.4× | -6.4% | +6.9% |
| C.H. Robinson CHRW | United States | $14.5B | -27% | +10% | 5% | 17.2× | 9.2% | 0.0% |
| Carlisle Companies CSL | United States | $14.5B | +4% | +4% | 20% | 15.9× | 3.7% | +4.8% |
| Grupo Aeroportuario del Pacifico SAB de CV Sponsored ADR PAC | United States | $14.5B | +1% | +20% | 44% | 17.1× | 8.2% | +31.3% |
| IDEX IEX | United States | $16.7B | +5% | +7% | 21% | 23.7× | 14.7% | +8.0% |
| CNH Industrial CNH | United States | $14.3B | +5% | +1% | 13% | 21.1× | 7.4% | -7.0% |
| WESCO International WCC | United States | $14.2B | -18% | +14% | 6% | 14.1× | 10.4% | +13.8% |
| Textron TXT | United States | $14.2B | -8% | +9% | 7% | 11.9× | 8.3% | +4.9% |
| Embraer S.A. Sponsored ADR EMBJ | United States | $14.1B | +23% | +20% | 8% | 23.6× | 16.9% | +14.5% |
| Curtiss-Wright CW | United States | $17.1B | -36% | +11% | 19% | 27.4× | 16.2% | +7.9% |
| MasTec MTZ | United States | $14.0B | -58% | +26% | 5% | 15.0× | 21.6% | +17.7% |
| Nordson NDSN | United States | $17.3B | +10% | +7% | 27% | 24.5× | 15.4% | +5.6% |
| Grab GRAB | United States | $13.9B | -8% | +23% | 11% | 23.3× | 17.8% | +48.4% |
TransUnion reported $1.19B of remaining performance obligations at 30 Sep 2026, up 49% from a year earlier and up 3% from the previous quarter. That is 0.2 years of trailing revenue already under contract. Book-to-bill last quarter: 1.02.