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TRU

TransUnion

TRU

TransUnion • NYSE
$85.05 ▲ 0.20% (+0.17)
Market Cap $16.57 B
52w High $101.63
52w Low $66.38
Dividend Yield 0.46%
P/E 39.74
Volume 464.44K
Outstanding Shares 194.85M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $1.169B ▲ $330.8M ▼ $96.6M ▼ 8.26% ▼ $0.5 ▼ $358.2M ▲
Q2-2025 $1.14B ▲ $335M ▼ $109.6M ▼ 9.616% ▼ $0.56 ▼ $355.2M ▼
Q1-2025 $1.096B ▲ $395.7M ▼ $148.1M ▲ 13.516% ▲ $0.76 ▲ $388.8M ▲
Q4-2024 $1.037B ▼ $454.4M ▼ $66.2M ▼ 6.385% ▲ $0.34 ▼ $299.9M ▲
Q3-2024 $1.085B $479.9M $68M 6.267% $0.35 $297M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $752.5M ▲ $11.113B ▼ $6.534B ▲ $4.473B ▼
Q2-2025 $690M ▲ $11.118B ▲ $6.492B ▲ $4.52B ▲
Q1-2025 $612.5M ▼ $10.949B ▼ $6.457B ▼ $4.386B ▲
Q4-2024 $682M ▲ $10.985B ▼ $6.666B ▼ $4.217B ▲
Q3-2024 $646M $11.054B $6.733B $4.216B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $100.2M ▼ $324.3M ▲ $-83.4M ▲ $-173.6M ▼ $62.4M ▼ $240.4M ▲
Q2-2025 $112.4M ▼ $291.3M ▲ $-137.1M ▼ $-86.7M ▼ $77.6M ▲ $214.3M ▲
Q1-2025 $152.7M ▲ $52.5M ▼ $-86.6M ▲ $-40.6M ▲ $-69.6M ▼ $-15.9M ▼
Q4-2024 $70.7M ▼ $254M ▲ $-112.3M ▼ $-89.2M ▼ $36.3M ▼ $136.9M ▼
Q3-2024 $71.9M $229.3M $-68.6M $-69.4M $100M $161.3M

Revenue by Products

Product Q4-2024Q1-2025Q2-2025Q3-2025
International
International
 $250.00M ▲$240.00M ▼$250.00M ▲$260.00M ▲
US Markets
US Markets
 $790.00M ▲$860.00M ▲$890.00M ▲$910.00M ▲

Five-Year Company Overview

Income Statement

Income Statement TransUnion’s revenue has grown steadily over the past five years, showing that demand for its data and analytics services is moving in the right direction. Gross profits have generally kept up with that growth, suggesting the core business remains healthy. Where the picture gets choppier is at the operating profit and net income level: profitability dipped meaningfully in the middle of the period, including a recent loss year, likely reflecting acquisition costs, integration work, and other one‑off items. The latest year shows a clear rebound in operating earnings and cash‑style profits, but bottom‑line earnings are still not back to the strongest past levels. Overall, this looks like a solid growth story with profitability that is recovering after a noisy stretch.

Balance Sheet

Balance Sheet The balance sheet shows a business that expanded rapidly—likely through acquisitions—funded partly with debt. Total assets have grown significantly versus five years ago, but they have edged down from the peak, which can reflect normalization after deals or write‑downs of acquired assets. Debt is relatively high compared with the size of the company, though it has started to come down modestly in recent years. Shareholders’ equity has trended upward, which is a positive sign of accumulated value over time. Cash on hand is adequate but not excessive, so the company still relies heavily on ongoing cash generation and refinancing rather than a large cash cushion. In short: a scaled, asset‑rich business with meaningful but gradually improving leverage.

Cash Flow

Cash Flow TransUnion’s cash flow profile is a key strength. The company has consistently generated solid cash from its operations, even in years when reported earnings were under pressure. There was a dip in operating cash flow during the more difficult middle year, but it has recovered since then. After capital spending, free cash flow has usually been comfortably positive, with only a brief soft spot. Investment in property, technology, and systems has been steady but not overly aggressive relative to the cash the business brings in. This pattern suggests that the underlying engine throws off dependable cash, helping support debt service, ongoing tech investment, and strategic flexibility, even though accounting earnings have been volatile.

Competitive Edge

Competitive Edge TransUnion benefits from a very strong competitive position as one of the three major consumer credit bureaus. Its advantage rests on large, hard‑to‑replicate data sets, long‑term relationships with banks and other financial institutions, and a regulatory environment that makes it difficult for new entrants to achieve similar scale and trust. On top of traditional credit data, the company has pushed into fraud prevention, identity verification, and marketing analytics, which broadens its role with clients and makes relationships stickier. The unified OneTru platform and advanced analytics tools also help differentiate its offerings from smaller or more narrowly focused rivals. That said, TransUnion still faces intense competition from the other large bureaus and from newer data and fintech players, and it operates under close regulatory scrutiny in multiple markets.

Innovation and R&D

Innovation and R&D Innovation is a clear strategic focus. The OneTru cloud platform is central, allowing TransUnion to integrate different data types, deploy artificial intelligence and machine learning at scale, and roll out new products more quickly. Solutions like TruValidate for fraud and identity, TruAudience for privacy‑aware marketing, and TruIQ for advanced analytics move the company beyond simple credit scores into broader decisioning and insights. Planned launches, such as more sophisticated credit strategy tools and new mortgage‑related scoring products, show a healthy product pipeline. The main execution risks are successfully migrating more of the business onto the new platform, keeping up with rapid advances in AI, and managing data privacy and regulatory expectations across many jurisdictions. But overall, TransUnion looks like a data and technology company first, and a traditional bureau second.

Summary

TransUnion today looks like a scaled, data‑driven insights company with a solid growth record, a resilient cash engine, and a strong competitive moat, but also with some balance‑sheet and execution risks. Revenue has grown well over several years, while profitability went through a bumpy period and is now recovering. The company carries meaningful debt from its expansion phase, though leverage is slowly easing and is supported by steady free cash flow. Its position as one of the primary credit bureaus, combined with deep data assets, regulatory barriers, and the OneTru technology platform, provides durable advantages and room to expand in fraud, identity, and marketing solutions. Key things to watch include the pace and quality of margin improvement, continued debt reduction, the success of new AI‑driven products, and any regulatory or competitive shifts that could alter the economics of consumer data and credit reporting.

NEWS

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