Lumida
/TRU
⌘K
TransUnion

TransUnion

TRU
$79.85USD↓-1.09%-0.88 today

MARKET CAP

15.4B

P/E (TTM)

18.0x

FWD P/E

15.5x

DAY RANGE

$79 – $82

52W RANGE

$63
$99

AI Summary

Stalk
StalkMedium

TRU remains in a Stage 2 advancing regime following the breakout above its rising 50-day average, anchoring a medium-term bullish bias. However, price is now extreme overbought and has shown a rejection wick near the 200-day moving average, creating unfavorable short-term timing. Execution should be deferred until a pullback into the rising 9/21 EMA support zone offers a cleaner entry, given active Double Top and Bullish Exhaustion patterns signaling transition risk.

  • ↑Q1 revenue $1.28B (+14% YoY), beat guidance by $41M.
  • ↑U.S. financial services revenue +24%, driven by strong retention.
  • ↓Debt $5.6B at 2.8x leverage may constrain buybacks and investments.
Full analysis →

The case for & against

Bull & Bear analysis

Bullish

TransUnion (NYSE: TRU) operates as a leading global information and insights company specializing in providing credit history data and analytics to various sectors, including financial services and insurance. The company aims to leverage data to enable informed decision-making for businesses and consumers while navigating both robust market demand for credit solutions and ongoing macroeconomic challenges. TransUnion is strategically positioned to benefit from the continued growth of AI integration in its offerings, contributing to the growing trend of data analytics and fraud prevention in an ever-evolving economic landscape.

Bull says

  • ↑Q1 revenue $1.28B (+14% YoY), beat guidance by $41M.
  • ↑U.S. financial services revenue +24%, driven by strong retention.
  • ↑Ongoing AI investments and VantageScore 4.0 drive innovation and share gains.
  • ↑$25M in share repurchases YTD highlights management’s capital return focus.
  • ↑Adjusted EBITDA +10% and EPS $1.18 (+12% YoY) demonstrate profitability.
  • ↑High earnings yield and positive analyst revisions support upside.

Bear says

  • ↓Debt $5.6B at 2.8x leverage may constrain buybacks and investments.
  • ↓Adjusted EBITDA margin down 100bps to 35.2%, reflecting margin pressure.
  • ↓Geopolitical tensions and rising energy costs pose macro headwinds.
  • ↓Pricing pressure from VantageScore rollout risks margin dilution.
  • ↓Weak momentum and investor interest may hinder near-term performance.
  • ↓Interest rate sensitivity and balance sheet quality concerns at play.

Investment themes with TRU

Financial Data Providers↑ +1.23%

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

MA · V · COF

Earnings Call · Q1 2026 · Mgmt. Guidance

Updated 04-28-2026neutral

Transcript signals

Bull points

  • exceeded the high end of our guidance across all key metrics by $41 million on revenue and $18 million on adjusted EBITDA, or $22 million and $8 million, respectively, excluding the Mexico acquisition.
  • Adjusted diluted earnings per share was $1.18, up 12% year over year, and $0.08 ahead at a high end of our guidance.
  • Financial services revenue grew 24%, or 14%, excluding FICO mortgage royalties.

Bear points

  • Adjusted EBITDA margin was 35.2% down 100 basis points year over year. As anticipated, underlying margins contracted modestly in FICO mortgage royalties were a 120 basis point headwind.
  • Performance across India, Latin America, and Asia Pacific is expected to improve in the second quarter and as the year progresses.
  • Adoption of Vantage Score can drive hundreds of millions of dollars of savings for lenders and consumers.
Read full transcript analysis ›