TransUnion (TRU) stock

Credit information , market cap $16B

Credit information

Worth $16B

$82.01

-1.32%

As of Tuesday's close · Live for Pro members at the open

Quality Score

Average

In its industry

#3of 4

Credit Ratings

Checks firing

5of 14

Trending down

From 52-week high

-8.0%

under its best in a year

TRU's Quality Score fell 1 point on Tue, Nov 10, to 10. Venkat Achanta (EVP, Chief Tech, Data & Analy.) sold $2M on Nov 6, filed Nov 10, and 1 more filing.

See TRU's 14 chart checksSee it live, free until Thursday morning. No account. No card. Then keep going with a free account.

We do the work for you. Every stock is scored and ranked, every 15 seconds while the market is open. Here it's 15 minutes behind. Pro members see it live.

Why TRU rose on Oct 15

Up 11% on Oct 15, and still 24% over its Oct 14 close.

TransUnion rose 11% that day while credit rating stocks rose a median 5%: it beat its group by 6 points.

Sources: Price history, Oct 15, 2026

1 more reason, free with an account →1 more reason why TRU rose on Oct 15, from its filings, with the other side, the timeline, and its peers, for Pro members.

Why TRU still lags the market over five years

Down 26% over the five years to Nov 9 while the S&P 500 rose 72%; up 11% on Oct 15.

3 reasons, from its filings, with the timeline, for Pro members.

Key facts on TRU

Key facts on TRU
The company	Profit up 90% to $798M
Latest filing	8-K, Nov 5 Reported a change of officers or directors

1 more reason behind TRU's 10, free with an account →3 more reasons behind TRU's 10, for Pro members.

TRU in the news

Tue Oct 27TransUnion reported quarterly revenue of $1.31 billion and diluted EPS of $0.81 SEC TRU closed −5.3% that day.

Big story

Leadership

TransUnion filed an 8-K reporting a change of CFO

TRU closed −2.1% the next session (Nov 6).

From the company's SEC filing

Get an alert on TRU's next big story →

1 more big story on TRU in the past 12 months, for Pro members.

What's next

Tue Nov 10: Ex-dividend, $0.135 a shareAt the open. Pays Nov 25.

TRU catalysts

Coming up

After its last 4 reports it closed +0.1% on average, higher 1 of 4 times.

33 past catalysts since 2018, with sizes and sources, for Pro members.

Why TRU scores 10

Averagefor quality, not price, 5 of 14 chart checks firingWhat the Quality Score means

Well above its recent run. TRU scores 10 today, against a median of 5.5 over its last 20 recorded sessions.

+5Chart checks 5 of 14 firing right now, one point each
+2Long-term trend above a rising 200-⁠day average, near its 52-⁠week high, down over two years

Size adds
Profit addsRead on the last four quarters against the four before, or the last full year where no quarters are filed.
Growth addsSales and margins against a year earlier: up to +3 for fast growth and widening margins, down to -2 when both shrink.
Insider trades subtracts

No effect today: Run-up, Dilution, Volatility, Cash flow, Persistence, and News.

What every line is worth, and the reason behind it, on TRU and every other stock.Get in free →

Price, score, chart checks, and the industry rank are from a snapshot taken at 11:29 PM ET, at least 15 minutes behind. How we rank stocks.

Tested. Our top-scored stocks returned 2.2x the average stock over the next month. Reconstructed after the fact; recorded live since Sep 9, 2026. How we tested it

Alert me when TRU's Quality Score turns up

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How TRU ranks in Credit Ratings

TRU is #3 of 4 by Quality Score.

How TRU ranks in Credit Ratings
Rank	Stock	Checks	Quality Score
1	MCOMoody's	6/14	13
2	SPGIS&P Global	8/14	13
3	TRUTransUnion	5/14	10
	EFXEquifax		Open for its score

Net income over four quarters: TRU $798M, MCO $2.88B, EFX $743M.

More in Credit Ratings, on the Industrials page

When does TRU report earnings, and what happens after?

Expected to report Thu Feb 11, before the open (in 93 days).

What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.

What TRU reported on Oct 27, 2026

The quarter

Revenue of $1.3B, 12% more than a year ago; a profit of $0.81 a share, from $0.49.

“Increasing Adjusted Diluted EPS guidance due to lower net interest expense and recent repurchases”

The quarter that ended Sep 30, from the company's press release

The press release The filing on EDGAR

Where the sales came from

Where the quarter's sales came from
Line	Q3 2026	Q3 2025
By segment
U.S. Marketsup 7%	$977M74%	$913M78%

Each quarter's sales and their share of its total. Figures as filed (SEC filing, Oct 27)

1 more line, for Pro members.

The outlook

The outlook the company gave, by period
Measure	Figure
Full year 2026
Adjusted diluted EPS	$4.81 to $4.88raised

Figures as filed (SEC filing, Oct 27)

2 more outlook lines, for Pro members.

In the company's words

“We continue to expect 2026 to mark our third consecutive year of at least high-single digit organic constant currency revenue growth and double-digit Adjusted Diluted EPS growth.”

From its results filing (SEC filing · Oct 27)

The numbers

Market value: $16B; today
Sales: $5B; up 13.4% on the year
Free cash flow: $910M; last 12 months

Sales grew 13% a year over 5 years, fiscal 2020 to 2025.

Pays $0.54 a share a year.

5 more figures, for Pro members.

No analyst estimates on Breakaway: every figure here is filed.

The whole report on TRU: every line of its sales, every outlook beside the one it replaced, and the company's words, for Pro members.

Close after the report, last 3

-1.6%+8.5%-5.3%

Apr 28Jul 28Oct 27

Reported	When	Gap	Reaction	5 days
Oct 27, 2026Before open	Before open	+3.2%	-5.3%	-0.5%
Jul 28, 2026Before open	Before open	-0.4%	+8.5%	+3.5%
Apr 28, 2026Before open	Before open	-0.3%	-1.6%	-3.0%

TRU closed higher after 1 of its last 4 reports.

All 4 reports, and TRU's Quality Score going into each

TRU sales and profit by year

Sales and profit by year

Sales grew every year from 2018 to 2025, to $4.6B. It made a profit in seven of the eight years.

TRU has 5 of 14 chart checks firing

Trend1 of 5 shown

MA FAN 21 EMA W.EMA HH/HL 52W HI

Volume1 of 3 shown

VOL VDU U/D VOL

Tight range1 of 3 shown

ATR SQZ SQUEEZE NR7

Buying1 of 3 shown

OBV+CLOSE HI SPRING

The other 10 checks on TRU, and all 14 on every stock.Get in free →

TRU RSI today: 60.7, above its 50-day and 200-day averages

Not scored

RSI 60.7, MACD above signal, above both averages. Not scored.13 readings

The deep dive on TRU

What it does and how it makes money1 findingIt kept 19 cents of each dollar of sales in fiscal 2025: $858M of operating profit on $4.58B of sales.Annual report, filed Feb 27, 2026
Where it stands4 findingsFor Pro members4 findings on where TRU stands: its cash, debt, and share count, for Pro members
What changed in its filings3 findings"On April 12, 2022, the agency filed a lawsuit against us, Trans Union LLC, TransUnion Interactive, Inc. (collectively, the 'TU Entities') and the former President of Consumer Interactive, John Danaher, in the United States District Court for the Northern District of Illinois." (10-Q for the quarter to Sep 30, 2026)SEC filing · Oct 27, 2026A new heading in its "Risk Factors" this year: "Natural disasters, pandemics, terrorist acts, war, actions by governments, and other geopolitical activities could disrupt our operations." (10-K for fiscal 2025; not in fiscal 2024's)SEC filing · Feb 27, 2026, against the one of Feb 13, 2025Backlog rose 49% in a year, to $1.19B on Sep 30, 2026 from $800M: sales under contract, not yet delivered.Filed figures, Sep 30, 2026
Who holds and trades it5 findingsFor Pro members5 findings on who holds and trades TRU, for Pro members
Against its closest peers2 peersNet income over four quarters: TRU $798M, MCO $2.88B, EFX $743M.

9 more findings on TRU, each with its source, for Pro members.

TRU insider trades

One insider sold $4.2M across 3 filings in the last 6 months. No open-⁠market buys on record. The newest:

SellVenkat Achanta$2.4MEVP, Chief Tech, Data & Analy.at $80.74 on Nov 6, filed today

SellVenkat AchantaEVP, Chief Tech, Data & Analy.$2.4Mat $80.74 on Nov 6, filed today

All 3 insider filings on TRU from the last six months, for Pro members.

All TRU insider trades

TRU trades by Congress and the executive branch

One trade disclosed in the last six months. The newest:

SellDonald Trump$1K to $15KPresident (R)traded Jun 23, disclosed Aug 22(60 days later)

SellDonald TrumpPresident (R)$1K to $15Ktraded Jun 23, disclosed Aug 22(60 days later)

See what Congress is buying across the market

TRU's officers and directors

Officers and directors with a Form 4 in the last 12 months.

Christopher A. CartwrightPresident and CEO · no trades on file
Todd M. CelloEVP & CFO · no trades on file
Todd C. SkinnerPresident, International · 12 trades
Steven M. ChaoukiPresident, US Markets · 11 trades
Mohamed AbdelsadekEVP, Chief Global Solutions · 5 trades
Heather J. RussellEVP, Chief Legal Officer · 4 trades
Jennifer A. WilliamsSVP, Chief Accounting Officer · 3 trades
Venkat AchantaEVP, Chief Tech, Data & Analy. · 3 trades

15 more officers and directors file at TRU.

See insider trades by person

Which ETFs hold TRU?

In ETFs: TRU is under 0.1% of VTI, the most of the 24 funds Breakaway covers, by their holdings as filed for Jun 30, 2026.

About TransUnion

TransUnion, along with Equifax and Experian, is one of the three leading credit bureaus in the United States, providing the consumer information that is the basis for granting credit. The company also provides fraud detection, marketing, and analytical services. TransUnion operates in over 30 countries. About 20%-25% of its revenue comes from international markets.

13,500 employeesChicago, ILtransunion.com

What TransUnion says it competes with

“The market for our services is highly competitive.”

From its annual report, SEC filing · Feb 27, 2026

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What would move TRU's score: 5 things
4 more filings explained, a plain line each
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BreakawayAug 22Donald Trump sold TRU$1K to $15K, disclosed Aug 22

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See TRU's 14 chart checks

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Straight AnswersStraight Answers

As of Nov 10, 2026: TRU's Quality Score is 10 (Average), #3 of 4 in Credit Ratings. Insiders sold $4.2M in the last 6 months (Form 4).

What does TRU's Quality Score say?

TRU scores 10 today, which Breakaway calls Average. It is #3 of 4 in Services-⁠Consumer Credit Reporting, Collection Agencies by Quality Score, with 5 of 14 chart checks firing. Up 11% on Oct 15, and still 24% over its Oct 14 close. Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.

What is TRU's Quality Score?

TRU scores 10 today, which Breakaway calls Average (6 to 10). That is #3 of 4 in Services-⁠Consumer Credit Reporting, Collection Agencies by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind TRU's 10.

Are insiders buying TRU?

One insider sold $4.2M across 3 filings in the last 6 months. No open-⁠market buys on record. The newest is Venkat Achanta, EVP, Chief Tech, Data & Analy., who sold $2.4M on Nov 6. Every filing, with the scored weight, for Pro members.

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Only on the public pages, which run at least 15 minutes behind. Pro members, and anyone on a guest pass, see real-time prices: the scanner refreshes every 15 seconds, and your watchlist every few seconds, pre-market and after hours included.