| Factor | Score | Distribution | Value | Avg | Rank |
|---|---|---|---|---|---|
Valuation | 58 | 20.4x | 17.8x | Around median | |
Growth | 80 | 12.4% | 7.1% | Top tier | |
Quality | 90 | — | — | Top tier | |
Safety | 53 | — | — | Around median | |
Capital Return | 33 | 0.60% | 2.12% | Bottom tier | |
Momentum | 48 | -10.2% | 2.9% | Around median | |
Sentiment | 67 | 17 | 3 | Top tier |
Estimates — analyst targets and a simplified DCF, not investment advice.
Ten ratios that matter, each compared against its sector median and average — so you can see whether a number is rich or cheap relative to peers in the same sector.
TransUnion provides credit data, analytics, and decisioning tools to lenders, alongside fraud prevention, marketing, identity, and trusted call solutions. In U.S. Financial Services, roughly two-thirds of revenue comes from CoreCredit, while alternative data and the TruIQ platform account for about 12%, and non-credit solutions, led by trusted call and marketing and fraud solutions, account for about 24%; this broadens revenue sources across the customer lifecycle, from targeting and verification to underwriting and portfolio management.
In Q2 fiscal 2026, reported revenue increased 15%, and grew 10% organically and in constant currency, or 7% excluding FICO mortgage pass-through revenue. Adjusted earnings before interest, taxes, depreciation, and amortization increased 12%, with the margin reaching 34.8%, down 90 basis points year over year due to FICO pass-through revenue, while adjusted diluted earnings per share rose 13% to $1.23 and exceeded the high end of guidance by $0.08.
The U.S. business led the results with 11% organic growth, as Financial Services increased 18%, or 10% excluding FICO pass-through revenue, Emerging Verticals grew 9%, and International growth accelerated to 6%. According to EDGAR filings, TransUnion generated Q1 fiscal 2026 revenue of $1.2 billion, net income of $397.1 million, and earnings per share of $2.04, compared with revenue of $4.6 billion and net income of $455.4 million in fiscal 2025.
The analyst consensus rates TRU stock a “Buy,” with an average target of $94.9 and a wide range of $77 to $115. The average target is slightly below the upper end of the 52-week range of $95.505, while the highest target exceeds that level by about 20%, a divergence reflecting meaningful differences in assessments of growth sustainability, mortgage pressures, and margins. No usable price-to-earnings ratio is available in the data, so the risk assessment is based on the breadth of the target range and the 52-week range of $63.37–$95.505 rather than an unavailable earnings multiple.
Figures in the text are as of 2026-08-29; the live price is shown at the top of the page.
In Q2 fiscal 2026, revenue grew 10% organically and in constant currency, with U.S. Financial Services leading performance through growth of 18%, or 10% excluding FICO pass-through revenue. The company benefits from growth in CoreCredit, alternative data, the TruIQ platform, and trusted call solutions, which are growing by more than 50% annually within Financial Services. Based on first-half performance, management raised fiscal 2026 organic growth guidance to 8%–9% and adjusted diluted earnings per share growth guidance to 11%–12%.
By Q2 fiscal 2026, TransUnion had migrated more than 4,000 U.S. credit customers to OneTru, and the platform was managing about 60% of U.S. matching activity and 30% of digitally connected customers. The company also deployed versions of OneTru in Canada, the United Kingdom, and India to support TruIQ and is working to migrate legacy marketing and fraud applications to it. Management targets completing the U.S. migration by the end of fiscal 2026 and running about 95% of the business on a shared platform within approximately two years of the July 28, 2026 call.
Automated analysis for informational purposes only — not investment advice.
The percentage of mortgage inquiries including VantageScore increased from less than 5% at the beginning of fiscal 2026 to about 30% by the July 28, 2026 call. Usage covered more than 900 lenders, with most activity remaining dual usage of VantageScore and FICO and limited VantageScore-only use cases emerging. However, TransUnion's fiscal 2026 guidance includes no additional revenue from VantageScore adoption, making the financial impact an unmodeled opportunity rather than a confirmed outcome.
Mortgage inquiries declined 7% in Q2 fiscal 2026 as the yield on the ten-year U.S. Treasury increased by about 50 basis points from the beginning of the year. TransUnion expects inquiries to decline at a mid-to-high-single-digit rate in fiscal 2026, including a low-double-digit decline in the second half. Nevertheless, the company maintained mortgage revenue growth guidance of 28% overall and 6% excluding FICO pass-through revenue, supported by pricing and revenue outside the traditional three credit bureau reports.
TransUnion ended Q2 fiscal 2026 with $5.6 billion in debt and $839 million in cash, while financial leverage declined to 2.6 times. From the beginning of the year through July 2026, it repurchased 2.1 million shares at an average of about $71 per share and a total value of about $150 million. The company still has a $1 billion repurchase authorization, but it also targets reducing leverage to less than 2.5 times over the long term.
India's revenue grew 8% in Q2 fiscal 2026, supported by stabilizing volumes, the largest quarter of new sales in the Indian market, the launch of TruIQ, and the expansion of trusted call. In Mexico, the acquired credit bureau continued to exceed the deal assumptions for revenue and adjusted earnings, supported by about 600 million credit lines and unique positive data representing 90% of the total. TransUnion plans to add TruIQ, TruValidate, and credit education tools in Mexico during the year following the July 28, 2026 call, with competition and execution remaining critical factors.
