TransUnion (TRU) Stock

TransUnion (TRU) is a Technology stock trading at $85.08 (as of 2026-08-20), with a market capitalization of $16.40B and a trailing P/E of 23.3. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

TransUnion provides information and risk-related solutions through segments including U.S. Markets and International. Its offerings include consumer reporting, analytics, and technology used by businesses for credit and identity-related decisions, as well as consumer-focused credit and information services, serving customers across financial services, retail, insurance, automotive, collections, and public sector.

Understand TransUnion: how it makes money

TransUnion provides risk and information solutions, including consumer reports and analytics, sold to businesses that use them for customer acquisition, credit and debt risk decisions, identity verification, and fraud risk mitigation.

The profit model is driven by packaging consumer risk and identity information into actionable analytics, then monetizing it through business use cases like customer acquisition, ability to pay assessment, cross-selling insights, debt portfolio risk management, identity verification, and fraud risk mitigation (with the largest contribution coming from U.S. Markets).

Revenue by segment (latest quarter)
U.S. Markets	$0.9B
International	$0.3B
Consumer Interactive	$0.1B

Business quality (Solid): Clear official segment breakdown (U.S. Markets, International, Consumer Interactive), but limited operating detail is provided beyond segment revenues and a single operating margin figure.

Valuation: Trades at 20× trailing earnings · $14B market cap.

Bull case

Largest revenue source is U.S. Markets (consumer reports, actionable insights, and analytics used across multiple business decision workflows): This business mix includes customer acquisition, assessing ability to pay, cross-selling opportunities, debt portfolio risk management, identity verification, and fraud risk mitigation.
Strong profitability snapshot for the latest period, with operating margin reported at 19.7%: Higher operating margin can indicate the company converts its service mix into earnings efficiently, based on the information provided.

Bear case

Revenue concentration risk within the disclosed segment mix: In this snapshot, U.S. Markets is the dominant segment, while International and Consumer Interactive are smaller.
Limited visibility into cost structure from the provided facts: Gross margin is not provided, and the only operating metrics shown are revenues, which can make it harder to assess underlying drivers of profitability changes.

Valuation — source: SEC EDGAR (first-party)
Price	$85.08
Market Cap	$16.40B
P/E Ratio	23.3
EV / EBITDA	14.8
Price / Book	3.34
Price / Sales	3.47
FCF Yield	4.2%
DCF Value (model)	$7.20
DCF Upside vs Price	-91.5%

Profitability & Growth — source: SEC EDGAR
Revenue (TTM)	$4.58B
Net Margin	10.0%
Revenue Growth (YoY)	13.7%
EPS Growth (YoY)	171.1%
FCF Growth (YoY)	-219.5%

Financial Health — source: SEC EDGAR
Altman Z-Score	2.60 (grey)

Valuation vs Sector & Industry
Stock P/E	23.3
Sector P/E (Technology)	33.9
Industry P/E (Business Services)	30.0
vs Sector	-31.4%
vs Industry	-22.3%

Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional Holder	MASSACHUSETTS FINANCIAL SERVICES CO /MA/ ($1.60B)
Institutional Holders Tracked	10
Congressional Trades (recent)	3

Company
Sector	Technology
Industry	Business Services
CEO	Christopher A. Cartwright
Employees	13,000
Country	US
IPO Date	2015-06-25

Related Companies (Business model: Exchange / Data & Analytics Toll Businesses; 8 closest by market cap)

Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.