TransUnion (TRU) Stock Price & How to Invest
Last updated July 2026
Short answer
TransUnion (NYSE: TRU) is one of the three major U.S. consumer credit bureaus, and investing in it is a bet on a data-heavy, subscription-like business that grows with lending, marketing, and fraud-prevention demand across financial services and international markets.
TRU stock price
As of 2026-07-17, TransUnion (TRU) last closed at $79.85, down 14.7% over the past year. Over the past 52 weeks it has traded between $64.43 and $99.22.
Prices are daily closing prices from Yahoo Finance and may be delayed. For the live quote, check your broker or TransUnion's investor relations page. Walnut is informational, not investment advice.
What does TransUnion (TRU) do?
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 entering 2026, helped by strong U.S. Financial Services lending activity and international momentum. 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.
What's driving TransUnion (TRU)?
1. U.S. Financial Services reacceleration
TransUnion's largest business rides lending volumes across cards, personal loans, auto, and mortgage. As lending activity firmed, U.S. Financial Services delivered outsized growth, and any further normalization in mortgage and consumer credit inquiries would extend the tailwind. This vertical is the single biggest swing factor for the overall growth rate.
2. International expansion
The International segment grows faster than the U.S. base, led by India, the UK, Canada, Latin America, and Africa. TransUnion consolidated full ownership of its Mexico operation (Trans Union de Mexico) in early 2026, adding scale in a large market. These regions offer credit-penetration runway as more consumers enter formal credit systems.
3. Fraud, identity, and marketing solutions
Beyond core credit reporting, TransUnion sells identity verification, fraud prevention, and data-driven marketing tools that diversify revenue away from pure lending cyclicality. Acquisitions such as Neustar and Sontiq broadened this stack. Cross-selling these higher-value analytics products supports mix and pricing over time.
4. Technology transformation and margin/deleveraging
A multi-year platform modernization and cost program aims to lift operating efficiency and free cash flow, which management is using to pay down acquisition debt. Progress on adjusted EBITDA margin and leverage reduction is a key part of the equity story and could re-rate the stock if sustained.
What are the risks to TransUnion (TRU)?
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 billion of debt against a market value near $14 billion, 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. Foreign-exchange swings weigh on reported international growth.
How is TransUnion (TRU) valued? (approximate, July 2026)
A simple financial snapshot. These are approximations and refresh quarterly; for current figures see TransUnion's investor relations page or your broker.
- Revenue (TTM): ~$4.7B
- FY2025 revenue: ~$4.58B (up ~9%)
- 2026 revenue guidance: ~$5.1B-$5.14B
- Adjusted EBITDA margin: ~35%
- Market cap: ~$14B
- Total debt: ~$5.2B (net debt ~$4.4B)
TransUnion returned to double-digit revenue growth in Q1 2026 (up ~14%), beating estimates and prompting a raised full-year outlook. Reported net income was boosted by a one-time gain from consolidating its Mexico operation, so adjusted per-share earnings (around $1.18 in the quarter) give a cleaner view. Valuation multiples vary widely between trailing and forward measures because of past charges, and the sizable debt load makes leverage and free-cash-flow trends central to the story.
Who competes with TransUnion (TRU)?
Major consumer credit bureaus
Experian and Equifax are TransUnion's direct peers in the concentrated three-bureau oligopoly. Experian is generally the largest by revenue and TransUnion the smallest of the three, but all three sell overlapping credit reporting, scoring, marketing, and fraud products, so they compete on data breadth, analytics, and pricing.
Analytics, scoring, and data providers
Fair Isaac (FICO) supplies the dominant credit-scoring models the bureaus distribute, and S&P Global, Moody's, and Fitch provide adjacent credit and risk data. LexisNexis Risk Solutions and other data brokers compete in identity, fraud, and analytics.
Identity, fraud, and marketing-tech rivals
In identity verification, fraud prevention, and data-driven marketing, TransUnion competes with firms such as LexisNexis, Socure, Prove, and various martech and adtech data platforms that overlap with its Neustar and consumer-interactive offerings.
How to invest in TransUnion (TRU)
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 basket, so TRU sits alongside other stocks that express the same thesis.
Walnut takes the basket 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.
The bottom line on TransUnion (TRU)
TRU is a scale credit-data franchise re-accelerating on strong lending and international growth, carrying meaningful leverage and full sensitivity to the credit cycle.
More on TransUnion (TRU)
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?, 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?
Build a basket around TRU with Walnut
Use TransUnion as one constituent in a thematic basket Walnut's AI helps you assemble. Describe a thesis you believe in, the AI proposes the holdings and weights, and you approve before any broker order.
FAQ
What does TransUnion do?
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TransUnion is a global information and insights company and one of the three major U.S. consumer credit bureaus. It collects credit, identity, and marketing data on more than a billion consumers and sells credit reports, scores, analytics, fraud-prevention tools, and consumer subscription products to lenders, insurers, and other businesses.
How does TransUnion make money?
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Most revenue comes from selling credit data, analytics, and risk solutions to businesses, organized into U.S. Markets (Financial Services plus Emerging Verticals like insurance and tenant screening) and International segments. It also earns from fraud and identity products and from direct-to-consumer credit monitoring subscriptions.
Who are TransUnion's main competitors?
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Its closest competitors are the other two major credit bureaus, Experian and Equifax. It also competes with FICO in scoring, LexisNexis Risk Solutions and data brokers in identity and fraud, and various marketing-technology firms across its Neustar-related offerings.
Is TransUnion profitable?
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Yes. TransUnion generates consistent revenue and positive net income, with adjusted EBITDA margins around 35%. Reported earnings can be distorted by acquisition charges and one-time items, so investors often watch adjusted earnings per share and free cash flow instead.
How fast is TransUnion growing?
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Full-year 2025 revenue grew roughly 9% to about $4.58 billion, and growth reaccelerated to about 14% in the first quarter of 2026. Management raised full-year 2026 revenue guidance to roughly $5.1 to $5.14 billion, driven by U.S. Financial Services and international markets.
What are the biggest risks for TransUnion stock?
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Key risks include sensitivity to the credit and lending cycle, a large debt load of roughly $5 billion, cybersecurity and data-breach exposure, heavy regulatory oversight under laws like the FCRA, and competition from larger peers. Currency swings and changes in mortgage-inquiry pricing can also affect results.
How much debt does TransUnion carry?
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TransUnion carries around $5.2 billion of total debt, largely from past acquisitions such as Neustar and Sontiq, against roughly $0.75 billion of cash for net debt near $4.4 billion. Reducing leverage through free cash flow is a central part of the company's financial strategy.
How can I invest in TransUnion?
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TransUnion trades on the New York Stock Exchange under the ticker TRU and can be bought through any standard brokerage account, individually or inside a diversified basket. As with any single stock, its exposure to the credit cycle, debt, and regulation means position sizing and diversification matter; this is descriptive information, not investment advice.
Walnut is informational, not investment advice. Financial figures on this page are approximations; always verify current numbers with TransUnion's investor relations page or your broker before making investment decisions.