TransUnion (TRU) stock

TRUNYSEServices-Consumer Credit Reporting, Collection AgenciesFiscal year ends December 31

Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Oct 27, 2026Score 19/3034% below fair value

$81.07+0.10 (+0.12%)

Close on Nov 13, 2026Market cap $15.46BP/E 19.7Yield 0.57%

TransUnion statistics

110 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.

Important dates

Next earnings: Feb 11, 2027 (estimated, before the open)
Last ex-dividend date: Aug 20, 2026
Fundamentals through: Sep 30, 2026
Share price as of: Nov 13, 2026

Valuation ratiosIndustry

Market Cap: $15.46B; $792.38M
Enterprise Value: $20.18B; $779.89M
PE Ratio: 19.73; 25.88
PS Ratio: 3.07; 2.33
PB Ratio: 3.19; 2.73
P/FCF Ratio: 16.99; 15.38
P/OCF Ratio: 12.80; 12.99

Enterprise valuationIndustry

EV / Sales: 4.01; 2.10
EV / EBITDA: 12.63; 16.18
EV / EBIT: 20.73; 21.00
EV / FCF: 22.18; 15.48

Share statisticsIndustry

Shares Outstanding: 191M; 59M
Shares Change (YoY): -1.77%; 1.88%
Shares Change (QoQ): -0.47%; 0.04%
Float: 189M; 53M
Shares Held by Insiders: 0.83%; 13.1%
Shares Held by Institutions: 112.1%; 62.6%

Short sellingIndustry

Short Interest: 13M; –
Short Interest Change: -7.76%; -3.30%
Short % of Float: 6.79%; 5.82%
Short % of Shares Outstanding: 6.74%; 4.22%
Days to Cover: 3.32; 3.54

Stock price statisticsIndustry

52-Week High: $89.12; –
52-Week Low: $60.96; –
20-Day Moving Average: $79.50; –
50-Day Moving Average: $73.84; –
200-Day Moving Average: $73.98; –
Average True Range (14): $3.22; –
Price Change (1 Week): -0.14%; 0.50%
Price Change (1 Month): 9.38%; -1.81%
Price Change (3 Months): 3.01%; -4.67%
Price Change (6 Months): 22.4%; 0.47%
Price Change (YTD): -5.46%; -13.6%
Price Change (1 Year): -1.63%; -13.9%
Price Change (3 Years): 44.7%; -16.1%
Price Change (5 Years): -28.3%; -57.0%
Price Change (10 Years): 171.6%; 46.4%
Average Volume (10 Days): 3M; –
Average Volume (20 Days): 3M; –
Average Volume (90 Days): 3M; –
Relative Volume: 0.48; 0.64
Relative Strength Index (14): 58.2; 47.4
Volatility (1 Year): 42.6%; 65.4%
Beta (5 Years): 1.48; 1.19

MarginsIndustry

Operating Margin: 19.3%; -2.03%
Pretax Margin: 19.5%; -0.85%
Profit Margin: 15.8%; -2.58%
EBITDA Margin: 31.7%; 0.72%
FCF Margin: 18.1%; 9.88%

Returns on capitalIndustry

Return on Equity (ROE): 17.1%; 1.34%
Return on Assets (ROA): 6.88%; -3.24%
Return on Invested Capital (ROIC): 8.83%; -0.09%
Return on Capital Employed (ROCE): 8.84%; -0.55%

Financial positionIndustry

Current Ratio: 2.03; 1.37
Quick Ratio: 1.76; 0.94
Debt / Equity: 1.13; 0.51
Debt / EBITDA: 3.41; 2.60
Debt / FCF: 6.00; 2.79
Net Debt / EBITDA: 2.86; 1.41
Interest Coverage: 3.80; -0.55

GrowthIndustry

Revenue Growth (YoY): 13.4%; 9.45%
Net Income Growth (YoY): 89.8%; 9.41%
EPS Growth (YoY): 93.0%; 12.3%
FCF Growth (YoY): 58.1%; 14.3%
Revenue Growth (3Y CAGR): 7.25%; 7.44%
Revenue Growth (5Y CAGR): 12.6%; 12.3%
EPS Growth (3Y CAGR): 18.9%; 13.7%
EPS Growth (5Y CAGR): 5.32%; 12.4%

EfficiencyIndustry

Asset Turnover: 0.43; 0.64
Revenue Per Employee: $373.27K; $394.08K
Profits Per Employee: $59.10K; -$7.02K
Employee Count: 13,500; 525
WACC: 10.3%; 10.3%

Income statement (TTM)Industry

Revenue: $5.04B; $257.79M
Operating Income: $973.60M; -$638.82K
Pretax Income: $980.90M; -$315.88K
Net Income: $797.90M; -$309.55K
EBITDA: $1.60B; -$78.29K
EPS (Diluted): $4.11; $0.00

Balance sheetIndustry

Cash & Short-Term Investments: $883.50M; $41.99M
Total Debt: $5.46B; $179.41M
Net Cash (Debt): -$4.57B; $1.76M
Net Cash Per Share: -$23.98; $0.12
Equity (Book Value): $4.85B; $51.00M
Book Value Per Share: $25.43; $1.98
Tangible Book Value: -$4.38B; $2.87M
Working Capital: $1.12B; $16.25M

Cash flow (TTM)Industry

Operating Cash Flow: $1.21B; $5.65M
Capital Expenditures: -$298.00M; -$5.67M
Free Cash Flow: $910.10M; $35.58M
FCF Per Share: $4.77; $0.53

Dividends and yieldsIndustry

Earnings Yield: 5.16%; 0.37%
FCF Yield: 5.89%; 4.39%
Dividend Yield: 0.57%; 1.31%
Buyback Yield: 2.41%; 3.39%
Shareholder Yield: 2.97%; 3.74%
Dividend Per Share: $0.46; $1.04
Dividend Growth (YoY): 9.52%; 6.12%
Years of Dividend Growth: 1; 1
Payout Ratio: 12.1%; 30.7%
FCF Payout Ratio: 10.6%; 23.2%

Taxes and interestIndustry

Interest Expense: $255.90M; $3.48M
Income Tax: $168.60M; $1.63M
Effective Tax Rate: 17.2%; 22.4%

Scores and fair valueIndustry

Graham Number: $48.49; $16.88
Graham Upside: -40.2%; -55.0%
Altman Z-Score: 2.49; 1.96
Piotroski F-Score: 8; 5
Lynch Fair Value: $21.88; –
Lynch Upside: -73.0%; -35.3%

Total return vs. the S&P 500

Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.

Period	TRU	S&P 500	Difference	TRU per year	S&P 500 per year
1 month	+20.1%	-3.0%	+23.2 pts
3 months	+0.1%	-2.8%	+2.9 pts
Year to date	-5.0%	+11.5%	−16.5 pts
1 year	-0.3%	+13.5%	−13.8 pts
3 years	+57.7%	+77.7%	−20.0 pts	+16.4%	+21.1%
5 years	-26.3%	+72.6%	−98.9 pts	-5.9%	+11.5%
10 years	+184.4%	+308.2%	−123.8 pts	+11.0%	+15.1%

Short interest

Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.

13M TRU shares were sold short on Oct 30, 2026, down 7.8% from the previous report, or 6.79% of the shares available to trade. At recent volumes it would take 3.3 days to buy them back. Over the last 20 sessions, 51.3% of the volume reported to FINRA was short selling.

Settlement date	Shares short	Change	Avg. daily volume	Days to cover
Oct 30, 2026	12,849,411	-7.8%	3,865,721	3.3
Oct 15, 2026	13,930,586	+17.6%	3,231,612	4.3
Sep 30, 2026	11,849,701	+2.0%	2,951,841	4.0
Sep 15, 2026	11,611,777	+21.6%	2,366,474	4.9
Aug 31, 2026	9,552,788	+11.3%	1,626,756	5.9
Aug 14, 2026	8,580,558	+0.4%	1,766,780	4.9
Jul 31, 2026	8,549,216	-21.0%	2,566,136	3.3
Jul 15, 2026	10,822,787	+6.5%	2,418,278	4.5
Jun 30, 2026	10,160,142	-7.6%	3,529,991	2.9
Jun 15, 2026	10,993,279	+11.7%	2,089,135	5.3
May 29, 2026	9,843,442	+5.4%	1,975,126	5.0
May 15, 2026	9,340,029	+11.8%	2,091,616	4.5