TransUnion (TRU) Stock Price & How to Invest

TransUnion is a global information and insights company best known as one of the three dominant U.S. consumer credit bureaus, alongside Equifax and Experian. It aggregates and analyzes credit, identity, and marketing data on more than a billion consumers across 30-plus countries, then sells reports, scores, analytics, fraud-and-identity tools, and consumer-facing subscription products. Revenue is organized around two segments: U.S. Markets (Financial Services, plus Emerging Verticals like insurance, healthcare, tenant and employment screening, and public sector) and International (fast-growing operations in India, the UK, Canada, Latin America, and Africa).

The investment picture is one of a data-oligopoly compounder that has recently reaccelerated. After a stretch of debt-funded acquisitions and a cost-and-technology transformation program, TransUnion returned to double-digit revenue growth in 2026: second-quarter revenue reached about $1.31 billion, up roughly 15% from a year earlier, and trailing-twelve-month revenue is now about $4.9 billion. The share price has not followed. As of October 16, 2026 TRU closed near $73.31, down about 12% year to date and about 6% over one year, as the mortgage market absorbs a credit-score shift at Fannie Mae and Freddie Mac and several brokers trimmed price targets. The company carries a substantial debt load from past deals, so free cash flow is directed toward deleveraging as much as growth, and results remain tied to the health of consumer credit, mortgage, and marketing spending cycles.

TransUnion's results are directly exposed to the credit cycle: recessions, rising unemployment, or tighter lending cut demand for credit reports and marketing services. The company carries roughly $5.7 billion of debt against a market value near $14 billion (October 2026), so higher interest rates and slower deleveraging pressure earnings and flexibility. As a custodian of sensitive consumer data, it faces cybersecurity and data-breach risk plus heavy regulatory scrutiny (CFPB, FTC, FCRA, and international privacy rules). It also competes against larger peers Experian and Equifax and can be affected by mortgage-inquiry pricing changes from FICO and the bureaus. The credit-score changes at Fannie Mae and Freddie Mac, which open the door to VantageScore 4.0 in mortgage lending, add uncertainty about how mortgage-score economics are split among FICO and the bureaus. Foreign-exchange swings weigh on reported international growth. In mid-October 2026 BofA Securities, Morgan Stanley and RBC all lowered their price targets.

21 analysts publish price targets on TRU, averaging $89.76 against a $74.08 price as of October 2026, or +21.2%. The published targets run from $68.00 to $105.00, a moderate spread, and the ratings split 16 buy, 6 hold, 0 sell. Over the last six months there have been 4 raises and 8 cuts among the published actions. A price target is what an analyst published on a date, not a prediction, and sell-side ratings skew positive across the whole market.

Read the full TRU forecast and price target for the target table, the recent rating actions by firm, and how the consensus has shifted.

We give no verdict on TransUnion. Both cases are real, which is why the question is contested at all, so here is the strongest version of each.

The case for buying. U.S. Financial Services reacceleration. TransUnion's largest business rides lending volumes across cards, personal loans, auto, and mortgage. The most optimistic published target, $105.00, assumes this works close to its best case.

The case against. TransUnion's results are directly exposed to the credit cycle: recessions, rising unemployment, or tighter lending cut demand for credit reports and marketing services. The most pessimistic target, $68.00, is roughly what TRU is worth if this bites instead.

Read the full bull and bear case on TRU, including what would have to change to break either one. Walnut is not an investment adviser.

No. TransUnion (TRU) has not split its stock in the last 10 years. That is a statement about the window we check rather than about the company’s entire history, so an older split is possible. It also matters less than it once did: fractional shares mean a high price per share no longer keeps smaller investors out, which removed most of the practical reason to split.

A simple financial snapshot. These are approximations and refresh quarterly; for current figures see TransUnion's investor relations page or your broker.

• Revenue (TTM): ~$4.9B
• Revenue growth (Q2 2026, yoy): ~15%
• Operating / net margin: ~20% / ~15%
• Net income (TTM): ~$738M
• P/E (trailing / forward): ~19x / ~13x
• Dividend yield: ~0.7% ($0.50/yr)
• Market cap: ~$14B
• Total debt / cash: ~$5.66B / ~$0.84B

At about $73 a share, TransUnion trades near 19 times trailing earnings and about 13 times forward EPS estimates of roughly $5.48, a lower multiple than at the start of the year even though revenue growth accelerated to about 15% and the company beat EPS consensus in each of the last four quarters. Reported trailing net income includes a one-time gain from consolidating the Mexico operation in Q1 2026, so adjusted EPS gives a cleaner view. Third-quarter results are due October 27, 2026, with consensus near $1.21 of EPS on about $1.31 billion of revenue.

Other names that sit close to TRU: same theme, named as a direct competitor, or held beside it in the same funds. Each entry says which. Worth a look if you are thinking about diversification within a thesis rather than concentration on one ticker.

There are three common ways to get TRU exposure. Buy shares (or fractional shares) directly at any major broker. Hold an ETF that includes it, which spreads the position across many companies. Or build it into a focused thematic portfolio, so TRU sits alongside other stocks that express the same thesis.

Walnut takes the portfolio route. Describe a thesis where TRU fits (for example “AI infrastructure” or “dividend-growth large-caps”) and the AI proposes 5 to 6 constituents with target weights. You review the plan and fund it through your own broker when you're ready.

New to this? Start with how to invest in stocks, see how to analyze a stock with AI, or compare the best AI stock analyzers.

TRU is a scale credit-data franchise growing revenue near 15% and beating earnings estimates, yet the shares are down about 12% in 2026 on credit-score policy noise and analyst target cuts, with meaningful leverage and full sensitivity to the credit cycle.

Whether TRU is worth buying today depends more on your time horizon and what you already hold than on any single call. We walk through valuation, what would have to go right, and the risks in is TRU a buy or a sell?, and where the stock could go from here in the TRU stock forecast.

For income investors, whether TRU pays a dividend and how the payout looks is covered in does TRU pay a dividend? And to weigh TRU against a peer, read the full side-by-side comparisons: TRU vs EXPGY and TRU vs EFX.