Podle společnosti TransUnion se v první polovině roku 2026 celosvětově 81 % podezřelých digitálních podvodných pokusů odehrálo při interakcích se stávajícími zákazníky.
CHICAGO, Oct. 22, 2026 (GLOBE NEWSWIRE) -- New findings from TransUnion’s (NYSE: TRU) latest global Top Fraud Trends Report show that fraudsters are increasingly exploiting the trust associated with legitimate identities and brands rather than creating fake ones. As the threat evolves, organizations face growing financial consequences, with business leaders estimating fraud losses equivalent to nearly 7% of annual revenue in the past year. Meanwhile, advances in AI and automation are helping criminals open fraudulent accounts, infiltrate existing ones and undermine customer relationships at greater scale.
TransUnion’s report, Fraud in the Age of Continuous Trust, found that 81% of suspected digital fraud globally in H1 2026 occurred during interactions with existing customers, as fraudsters exploit trusted relationships and established accounts.
"As fraudsters increasingly exploit trusted relationships beyond onboarding, organizations need to move to a more connected understanding of trust," said Brian Killeen, vice president of global identity solutions at TransUnion." Harnessing intelligence across the customer lifecycle and applying context to each interaction is critical to identifying emerging threats and enabling trusted interactions."
Additional findings from the report indicate trust is being manipulated at scale through existing communication channels. Nearly one in five outbound business-to-consumer calls with U.S. mobile carriers was spoofed in the first half of 2026, demonstrating how fraudsters can exploit phone network vulnerabilities to impersonate trusted organizations and enable account takeover and payment fraud. Similarly, six in 10 business leaders indicated their customers were victimized by text spoofing in the last year, further illustrating the widespread exploitation of trusted communication channels.
Together, these findings demonstrate how fraudsters increasingly operate outside the enterprise, using communication channels such as phone calls and text messages to manipulate consumers directly on their devices. These scams are often designed to convince victims to open new accounts or grant access to existing ones, fueling a growing wave of scam and authorized fraud, with 35% of U.S. business leaders identifying it as the
leading source of fraud losses.
Scam/Authorized Fraud Was Cited as the Leading Source of Fraud Losses in the U.S. and Worldwide
Business leaders citing these fraud types as their organization’s largest source of losses in the past year
Account
Takeover FraudFirst-Party FraudScam/Authorized
FraudSynthetic
Identity FraudThird-Party
FraudU.S.16%18%35%18%9%Global17%15%29%18%17% Source: TransUnion business fraud survey, June 2026
The study also examined where fraud occurs across the customer lifecycle and how risks differ by industry. Key findings include:
Retail: Account creation risk is especially high due to promotion abuse, as customers often need accounts to access discounts. At the same time, retailers typically use lower-friction identity verification to remain competitive.
Financial Services: While account creation presents immediate risk of fraud, transaction related activities pose even greater risk. This underscores the importance of connecting identity, behavioral and transactional intelligence to identify emerging threats throughout the customer relationship
Gaming (online gambling and betting): Fraud risk remains high throughout the customer lifecycle. While strong identity verification helps reduce some threats, fraudsters still target new accounts for bonus abuse, with additional risks emerging during account logins and transactions.
“Fraud risk is shaped by context. Across industries, these findings show how threats evolve throughout the customer journey, revealing where organizations are most exposed and why effective fraud prevention must adapt to the specific interaction and threat,” said Clint Lowry, vice president of global fraud strategy at TransUnion.
AI is Accelerating Fraud, Demanding Faster, More Adaptive Defenses
The report also shows that fraud is becoming more adaptive and harder to contain. AI has fundamentally changed the economics of fraud by automating activities that once required significant human effort, including creating identities, generating content and targeting victims. This allows fraudsters to accelerate and scale their attacks faster than organizations can adapt their detection capabilities and mitigation strategies.
Forty three percent of U.S. business leaders said the growing scale and sophistication of fraud is placing significant or severe pressure on their organizations. Synthetic identity fraud is a key concern, with 67% expecting it to increase over the next two years and 53% citing it as the threat they are least prepared to address.
In the U.S., 51% of business leaders reported increased scam and authorized fraud activity over the past year. U.S. lenders face an estimated $2.4 billion in exposure tied to synthetic identities as of June 30, 2026.
Killeen added, “AI is accelerating the pace at which fraudsters develop, scale and adapt their attacks. To keep pace, organizations must shorten the time between detecting emerging threats, learning from them and adapting their defenses, turning intelligence into action before vulnerabilities can be exploited.”
To learn more about the findings in Fraud in the Age of Continuous Trust, click here.
To learn more about how TransUnion Fraud Solutions help organizations identify emerging fraud earlier, strengthen digital trust and protect customer relationships while maintaining friction-right experiences, click here.
About TransUnion (NYSE: TRU)
TransUnion is a global information and insights company with over 13,000 associates operating in more than 30 countries. We make trust possible by ensuring each person is reliably represented in the marketplace. We do this with a Tru™ picture of each person: an actionable view of consumers, stewarded with care. Through our acquisitions and technology investments, we have developed innovative solutions that extend beyond our strong foundation in core credit into areas such as marketing, fraud, risk and advanced analytics. As a result, consumers and businesses can transact with confidence and achieve great things. We call this Information for Good® — and it leads to economic opportunity, great experiences and personal empowerment for millions of people around the world.
TransUnion (NYSE: TRU) spustil řešení Transaction Matching, které propojuje platební transakce s trvalými identitami zákazníků a pomáhá maloobchodníkům rozlišovat mezi novými a vracejícími se zákazníky.
CHICAGO, Oct. 21, 2026 (GLOBE NEWSWIRE) -- TransUnion (NYSE: TRU) today announced the launch of Transaction Matching, a solution that connects transaction activity to persistent, privacy-conscious customer identities. The offering leverages Fiserv’s Unknown Shopper solution to help merchants recognize previously unidentified shoppers, including loyalty members who paid with a new card, or shoppers who paid using tap-to-pay or mobile wallet.
Merchants can then enrich pseudonymized customer profiles with demographic and lifestyle insights to better understand purchasing behavior and deliver more relevant offers.
“Transaction Matching helps merchants recognize more of the customers they already serve,” said Brian Silver, EVP of Global Marketing Solutions at TransUnion. “By connecting transaction activity with pseudonymized customer profiles, merchants can reduce duplicate records, better understand the customer journey and apply those insights across advertising, analytics and measurement.”
This is the first collaboration under TransUnion’s broader Transaction Matching solution, giving merchants a new way to unlock the value of customers who have traditionally been overlooked. It empowers merchants and brands to:
Bring unknown shoppers into focus: Connect previously unidentified in-store transactions to persistent customer identities.
Separate new customers from repeat customers: Identify returning customers who use a different payment card and measure new-customer acquisition more accurately.
Enrich customer profiles: Add demographic and lifestyle insights to help improve customer analysis and engagement.
Reduce payment method blind spots: Associate different card-based payment methods, inclusive of debit and credit card dip and swipe, tap-to-pay, and mobile wallet, with a single customer profile.
“Before partnering with TransUnion and Fiserv, a new credit card could look like a new customer, even when it belonged to a loyalty member,” explained Alisa Stewart, Director of Customer Relationship Management at Red Lobster. “Now we can easily distinguish new customers from returning guests and combine behavioral and demographic insights to better understand and engage them.”
Connecting customer intelligence across commerce and advertising
The collaboration connects complementary transaction and identity capabilities across the advertising and commerce ecosystems. This gives merchants a more complete view of customer activity while maintaining privacy-conscious controls.
“Many merchants have an incomplete view of their customers because transactions can appear disconnected across cards and payment methods,” said Prasanna Dhore, Chief Data Officer at Fiserv. “By working with TransUnion, we’re helping brands like Red Lobster recognize more of the customers already transacting with them, distinguish new customers and turn those insights into smarter marketing and growth decisions.”
To learn more about TransUnion’s Marketing Solutions, click here.
About TransUnion (NYSE: TRU)
TransUnion is a global information and insights company with over 13,000 associates operating in more than 30 countries. We make trust possible by ensuring each person is reliably represented in the marketplace. We do this with a Tru™ picture of each person: an actionable view of consumers, stewarded with care. Through our acquisitions and technology investments, we have developed innovative solutions that extend beyond our strong foundation in core credit into areas such as marketing, fraud, risk and advanced analytics. As a result, consumers and businesses can transact with confidence and achieve great things. We call this Information for Good® — and it leads to economic opportunity, great experiences and personal empowerment for millions of people around the world.
http://www.transunion.com/business
TransUnion ve čtvrtletí očekává zisk na akcii (EPS) ve výši 1,21 USD, což představuje meziroční nárůst o 10 %, a tržby ve výši 1,31 mld. USD, meziročně vyšší o 11,9 %.
TransUnion (TRU - Free Report) is expected to deliver a year-over-year increase in earnings on higher revenues when it reports results for the quarter ended September 2026. This widely-known consensus outlook gives a good sense of the company's earnings picture, but how the actual results compare to these estimates is a powerful factor that could impact its near-term stock price.
The stock might move higher if these key numbers top expectations in the upcoming earnings report, which is expected to be released on October 27. On the other hand, if they miss, the stock may move lower.
While the sustainability of the immediate price change and future earnings expectations will mostly depend on management's discussion of business conditions on the earnings call, it's worth handicapping the probability of a positive EPS surprise.
Zacks Consensus EstimateThis credit reporting company is expected to post quarterly earnings of $1.21 per share in its upcoming report, which represents a year-over-year change of +10%.
Revenues are expected to be $1.31 billion, up 11.9% from the year-ago quarter.
Estimate Revisions TrendThe consensus EPS estimate for the quarter has been revised 0.56% lower over the last 30 days to the current level. This is essentially a reflection of how the covering analysts have collectively reassessed their initial estimates over this period.
Investors should keep in mind that an aggregate change may not always reflect the direction of estimate revisions by each of the covering analysts.
Price, Consensus and EPS Surprise
Earnings WhisperEstimate revisions ahead of a company's earnings release offer clues to the business conditions for the period whose results are coming out. This insight is at the core of our proprietary surprise prediction model -- the Zacks Earnings ESP (Expected Surprise Prediction).
The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate for the quarter; the Most Accurate Estimate is a more recent version of the Zacks Consensus EPS estimate. The idea here is that analysts revising their estimates right before an earnings release have the latest information, which could potentially be more accurate than what they and others contributing to the consensus had predicted earlier.
Thus, a positive or negative Earnings ESP reading theoretically indicates the likely deviation of the actual earnings from the consensus estimate. However, the model's predictive power is significant for positive ESP readings only.
A positive Earnings ESP is a strong predictor of an earnings beat, particularly when combined with a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold). Our research shows that stocks with this combination produce a positive surprise nearly 70% of the time, and a solid Zacks Rank actually increases the predictive power of Earnings ESP.
Please note that a negative Earnings ESP reading is not indicative of an earnings miss. Our research shows that it is difficult to predict an earnings beat with any degree of confidence for stocks with negative Earnings ESP readings and/or Zacks Rank of 4 (Sell) or 5 (Strong Sell).
How Have the Numbers Shaped Up for TransUnion?For TransUnion, the Most Accurate Estimate is lower than the Zacks Consensus Estimate, suggesting that analysts have recently become bearish on the company's earnings prospects. This has resulted in an Earnings ESP of -0.41%.
On the other hand, the stock currently carries a Zacks Rank of #4.
So, this combination makes it difficult to conclusively predict that TransUnion will beat the consensus EPS estimate.
Does Earnings Surprise History Hold Any Clue?While calculating estimates for a company's future earnings, analysts often consider to what extent it has been able to match past consensus estimates. So, it's worth taking a look at the surprise history for gauging its influence on the upcoming number.
For the last reported quarter, it was expected that TransUnion would post earnings of $1.14 per share when it actually produced earnings of $1.23, delivering a surprise of +7.89%.
Over the last four quarters, the company has beaten consensus EPS estimates four times.
Bottom LineAn earnings beat or miss may not be the sole basis for a stock moving higher or lower. Many stocks end up losing ground despite an earnings beat due to other factors that disappoint investors. Similarly, unforeseen catalysts help a number of stocks gain despite an earnings miss.
That said, betting on stocks that are expected to beat earnings expectations does increase the odds of success. This is why it's worth checking a company's Earnings ESP and Zacks Rank ahead of its quarterly release. Make sure to utilize our Earnings ESP Filter to uncover the best stocks to buy or sell before they've reported.
TransUnion doesn't appear a compelling earnings-beat candidate. However, investors should pay attention to other factors too for betting on this stock or staying away from it ahead of its earnings release.
Stay on top of upcoming earnings announcements with the Zacks Earnings Calendar.
TransUnion uvedl skóre pro odhalování syntetických identit a „credit washingu“ spolu s kódy důvodů zamítnutí úvěru; jako první je integruje platforma Oscilar.
Innovative new scores enable organizations to better identify risk throughout the consumer lifecycle; Oscilar's Agentic Risk Platform is the first to offer the scores
CHICAGO, Oct. 20, 2026 (GLOBE NEWSWIRE) -- TransUnion (NYSE: TRU) today announced the launch of its Credit Washing and Synthetic Fraud Scores with adverse action capability. These are the first-ever adverse-actionable solutions of their kind in the market, helping organizations identify and manage risks associated with synthetic identities and credit washing while supporting FCRA-governed, consumer-permissioned decisions. The scores allow lenders to make more informed credit decisions and provide consumers with applicable adverse-action reason codes explaining why they were denied credit—capabilities that were not previously available.
Synthetic identity fraud and credit washing remain among the fastest-growing and most costly forms of financial crime. TransUnion research estimates total lender exposure to synthetic identity fraud at $2.4 billion as of June 2026. By combining real and fabricated identity elements to create seemingly legitimate consumer profiles, fraudsters can evade traditional detection methods, establish accounts and generate substantial losses.
TransUnion analysis shows consumers whose charge-offs were suppressed through credit washing are 3.5 times more likely to charge-off a new account within a year of opening it, with super prime consumers 10x more likely. As schemes become more sophisticated, organizations need effective and explainable tools to identify high-risk applications before losses occur.
TransUnion’s new scores address synthetic fraud, where fabricated identities may appear legitimate, and credit washing, where suppressed negative credit history can obscure an applicant’s true risk. Drawing on TransUnion’s data assets, advanced analytics, and identity intelligence, these scores can help organizations identify these threats earlier, strengthen decision-making and mitigate potential financial losses before they materialize.
"Synthetic identity fraud and credit washing present unique challenges because they can conceal risk behind seemingly legitimate consumer profiles," said James Garvert, executive vice president of global fraud and communications solutions at TransUnion. “By bringing advanced fraud intelligence into explainable, FCRA-governed decisioning, we’re helping organizations uncover threats that might otherwise go undetected, make more confident decisions, and mitigate potential financial losses."
Oscilar, the Agentic Risk Platform for financial institutions, is the first platform to incorporate TransUnion’s Credit Washing and Synthetic Fraud Scores with adverse action capability. Within Oscilar, the scores and their reason codes run alongside credit decisioning in a single workflow, so lenders can act on synthetic identity and credit washing risk at account opening and cite it in adverse action notices. Oscilar supports end-to-end risk management across onboarding, credit, fraud and anti-money laundering workflows for more than 100 financial institutions.
“A fraud score only pays off if the lender can act on it,” said Neha Narkhede, co-founder and CEO of Oscilar. “TransUnion's adverse-actionable scores give lenders a reason they can cite, and Oscilar puts that reason on the same decision and notice as the credit reasons. Fraud and credit stop being two systems with two answers. Every signal a lender trusts belongs on one view of the customer, so a risk the fraud team sees today shapes the credit decision tomorrow."
As fraud tactics continue to evolve, TransUnion remains focused on advancing the intelligence and solutions organizations need to address emerging threats and stay ahead of increasingly sophisticated fraud.
To learn more about TransUnion’s Credit Washing Score with adverse action capability, click here. To learn more about TransUnion’s Synthetic Fraud Score with adverse action capability, click here.
About TransUnion (NYSE: TRU)
TransUnion is a global information and insights company with over 13,000 associates operating in more than 30 countries. We make trust possible by ensuring each person is reliably represented in the marketplace. We do this with a Tru™ picture of each person: an actionable view of consumers, stewarded with care. Through our acquisitions and technology investments, we have developed innovative solutions that extend beyond our strong foundation in core credit into areas such as marketing, fraud, risk and advanced analytics. As a result, consumers and businesses can transact with confidence and achieve great things. We call this Information for Good® — and it leads to economic opportunity, great experiences and personal empowerment for millions of people around the world.
Oscilar is the agentic risk platform for financial institutions, giving risk and compliance teams direct control over fraud detection, AML compliance, credit underwriting, and onboarding without engineering dependency. Agent Hub, Oscilar's suite of coordinated AI agents, operates from a unified view of every customer and transaction across the full risk lifecycle, enabling teams to build and deploy policies in plain language, resolve alerts faster, and share intelligence across every risk domain. More than 100 financial institutions trust Oscilar to process tens of billions of risk decisions per year, each in under 100ms. Oscilar is headquartered in Palo Alto, California.
Insider Steven Chaouki prodal 1 000 akcií společnosti TransUnion za průměrnou cenu 70 USD za akcii, celkem za 70 000 USD, v rámci předem dohodnutého obchodního plánu podle pravidla 10b5-1.
TransUnion (NYSE:TRU – Get Free Report) insider Steven Chaouki sold 1,000 shares of the firm’s stock in a transaction dated Thursday, October 15th. The shares were sold at an average price of $70.00, for a total value of $70,000.00. Following the sale, the insider directly owned 78,888 shares in the company, valued at approximately $5,522,160. This represents a 1.25% decrease in their ownership of the stock. The transaction was disclosed in a document filed with the Securities & Exchange Commission, which is accessible through this link. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan.
TransUnion Price Performance Shares of TransUnion stock opened at $74.18 on Monday. The stock’s 50-day simple moving average is $75.11 and its 200-day simple moving average is $73.46. TransUnion has a 52 week low of $60.96 and a 52 week high of $89.12. The company has a market capitalization of $14.21 billion, a price-to-earnings ratio of 19.57, a PEG ratio of 1.26 and a beta of 1.58. The company has a quick ratio of 1.90, a current ratio of 1.90 and a debt-to-equity ratio of 1.07.
TransUnion (NYSE:TRU – Get Free Report) last released its earnings results on Tuesday, July 28th. The business services provider reported $1.23 earnings per share (EPS) for the quarter, topping the consensus estimate of $1.16 by $0.07. The firm had revenue of $1.31 billion during the quarter, compared to analysts’ expectations of $1.28 billion. TransUnion had a return on equity of 16.29% and a net margin of 15.08%. The firm’s revenue was up 14.9% on a year-over-year basis. During the same quarter last year, the business posted $1.08 earnings per share. TransUnion has set its Q3 2026 guidance at 1.180-1.210 EPS and its FY 2026 guidance at 4.750-4.830 EPS. As a group, analysts expect that TransUnion will post 4.24 earnings per share for the current fiscal year.
TransUnion Dividend Announcement The firm also recently declared a quarterly dividend, which was paid on Friday, September 4th. Shareholders of record on Thursday, August 20th were paid a $0.1250 dividend. This represents a $0.50 annualized dividend and a yield of 0.7%. The ex-dividend date was Thursday, August 20th. TransUnion’s dividend payout ratio is presently 13.19%. Institutional Investors Weigh In On TransUnion A number of hedge funds have recently made changes to their positions in the company. BlackRock Inc. purchased a new stake in shares of TransUnion during the 2nd quarter worth approximately $1,367,560,000. Independent Franchise Partners LLP boosted its position in shares of TransUnion by 99.7% during the 4th quarter. Independent Franchise Partners LLP now owns 9,136,903 shares of the business services provider’s stock valued at $783,489,000 after acquiring an additional 4,561,619 shares during the last quarter. Jupiter Topco LLC purchased a new position in shares of TransUnion in the second quarter valued at $280,292,000. Meritage Group LP purchased a new position in shares of TransUnion in the second quarter valued at $263,751,000. Finally, Janus Henderson Group PLC increased its position in TransUnion by 8.5% in the first quarter. Janus Henderson Group PLC now owns 3,740,326 shares of the business services provider’s stock worth $258,794,000 after purchasing an additional 293,091 shares during the last quarter.
Wall Street Analyst Weigh In TRU has been the topic of several recent analyst reports. Griffin Securities set a $98.00 price objective on shares of TransUnion in a research report on Wednesday, July 29th. Morgan Stanley dropped their target price on shares of TransUnion from $106.00 to $97.00 and set an “overweight” rating for the company in a research report on Tuesday, October 13th. UBS Group dropped their target price on shares of TransUnion from $82.00 to $80.00 and set a “neutral” rating for the company in a research report on Thursday, September 24th. Mizuho cut their target price on shares of TransUnion from $88.00 to $77.00 and set a “neutral” rating for the company in a research note on Thursday, July 2nd. Finally, Stifel Nicolaus lifted their price target on shares of TransUnion from $88.00 to $96.00 and gave the company a “buy” rating in a report on Wednesday, July 29th. Ten equities research analysts have rated the stock with a Buy rating and six have given a Hold rating to the company. According to data from MarketBeat.com, the company presently has a consensus rating of “Moderate Buy” and a consensus price target of $91.19.
View Our Latest Stock Analysis on TRU
TransUnion Company Profile (Get Free Report)
TransUnion (NYSE: TRU) is a global information and insights company that helps businesses and consumers make more informed decisions. The company collects, analyzes and delivers data related to credit, identity, fraud and consumer behavior, serving customers across financial services, insurance, healthcare, retail, telecommunications and other industries.
Its products and services include consumer credit reports and scores, credit-risk assessment, marketing and audience insights, identity verification, fraud detection, investigative tools and decisioning software.
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CHICAGO, Oct. 16, 2026 (GLOBE NEWSWIRE) -- TransUnion (NYSE: TRU) today announced that TIME has named its Branded Call Display solution one of the Best Inventions of 2026 in the Connectivity & Communication category. The solution helps consumers identify legitimate callers amid more than 50 billion robocalls initiated by fraudsters each year.
The solution was included in the Connectivity & Communications category, which honors the inventions that transform how people connect, communicate and collaborate. Branded Call Display enables businesses to display their name, logo and reason for the call. As a result, consumers can decide more accurately whether they should answer the phone.
“Rampant fraud has created a serious trust problem for the phone channel, to the point that consumers ignore important calls they’re expecting simply because they don’t recognize the number,” said James Garvert, Executive Vice President of Fraud and Communications Solutions at TransUnion. “Branded Call Display restores that trust for consumers and creates a new opportunity for businesses to promote and protect their brands.”
Branded Call Display authenticates calls in real time, helping protect consumers from spoofing and impersonation scams while improving engagement for legitimate businesses. Consumers instantly see who is calling, why they are calling, and whether the call is verified, transforming anonymous phone interactions into verified communications.
TransUnion also shaped the call-authentication ecosystem by supporting the establishment of STIR/SHAKEN as an industry standard and developing Branded Call Display to build on that infrastructure. Unlike traditional caller ID, which bad actors can spoof, or alternatives that require an app download, Branded Call Display operates through participating telecommunications networks.
Branded Call Display has demonstrated its value by collaborating with the largest mobile operators, growing business adoption and meaningful impact on operational results. Organizations across banking, healthcare, insurance and government agencies have reported various business benefits such as a 105% lift in answer rates, increases of up to 40% in callback rates, and 83% increase in offer conversions.
The solution has delivered more than 7 billion branded-call impressions across major wireless networks. In addition to the U.S., TransUnion has deployed Branded Call Display in Canada, Brazil and India, effectively impacting over 1B mobile subscribers.
TransUnion offers Branded Call Display through its Trusted Call Solutions suite, which helps reduce fraud and improve customer engagement. Learn more about these solutions here.
About TransUnion (NYSE: TRU)
TransUnion is a global information and insights company with over 13,000 associates operating in more than 30 countries. We make trust possible by ensuring each person is reliably represented in the marketplace. We do this with a Tru™ picture of each person: an actionable view of consumers, stewarded with care. Through our acquisitions and technology investments, we have developed innovative solutions that extend beyond our strong foundation in core credit into areas such as marketing, fraud, risk and advanced analytics. As a result, consumers and businesses can transact with confidence and achieve great things. We call this Information for Good® — and it leads to economic opportunity, great experiences and personal empowerment for millions of people around the world.
CHICAGO, Oct. 14, 2026 (GLOBE NEWSWIRE) -- TransUnion (NYSE: TRU) announced today that it is making it easier for millions of Americans to find personalized credit offers that meet their needs. The company's new innovation delivers smarter matching by combining Bankrate's lender marketplace with TransUnion's credit data and Monevo offers technology.
Building on more than a decade of collaboration with Bankrate, the capability gives consumers a more personalized experience and helps lenders and publishers reach consumers with more relevant offers. Consumers can access the offering today in TransUnion Credit Essentials, a free credit app and web experience that helps consumers take control of their financial health.
"Consumers have many credit choices and not enough clarity," said Steve Chaouki, President, U.S. Markets, TransUnion. "By combining TransUnion's data with our Monevo offers platform and Bankrate's lender partnerships, we've built a capability that makes offers more precise. Credit Essentials is our first proof point, and we'll bring this to many more experiences where consumers and lenders meet."
Bankrate's broad network of lender relationships and its marketplace and auction technology put lenders in real-time competition for consumers, so matches cover more products, more providers and more competitive offers. Monevo draws on multiple sources, including credit data, alternative data and consumer intent signals. Its decisioning engine then matches each consumer with highly personalized credit offers from a broad panel of lenders. Consumers see offers that can fit their needs, so they can choose with clarity and confidence.
Because partners can embed the capability through a seamless, low-lift technical integration, consumers can access personalized offers wherever they make financial decisions. It’s available today in Credit Essentials and can extend to publisher and affiliate sites, co-branded experiences for financial institutions and brands and AI assistants, where more consumers now start their search for credit.
TransUnion Credit Essentials Gaining Momentum
Millions of consumers have registered for Credit Essentials since its May 2025 launch, with membership growing approximately 50% in the last year alone. TransUnion's Q3 2026 Consumer Pulse study shows that more than half of Americans (53%) check their credit report at least monthly, and nearly all (93%) believe monitoring their credit report is important. Among consumers who check their credit report, one in 10 do so to learn which credit offers they may qualify to receive.
Credit Essentials gives consumers free daily access to their TransUnion credit report and score, real-time alerts about critical changes, credit education and personalized credit offers across credit cards, personal loans, mortgages, home equity, auto refinance, insurance and savings accounts, all in one place.
"Bankrate and TransUnion have helped consumers make smarter financial decisions for years," said Matt Fellowes, CEO, Bankrate. "TransUnion's data and identity insights, combined with Bankrate's lender relationships, auctions and marketplace, help consumers find the right products with confidence."
Credit Essentials is the first of many experiences the combined capability will power. TransUnion and Bankrate are exploring more product types to extend the offers to publishers, partners, lender platforms and AI-driven channels.
Learn more about Credit Essentials here.
About TransUnion (NYSE: TRU)
TransUnion is a global information and insights company with over 13,000 associates operating in more than 30 countries. We make trust possible by ensuring each person is reliably represented in the marketplace. We do this with a Tru™ picture of each person: an actionable view of consumers, stewarded with care. Through our acquisitions and technology investments, we have developed innovative solutions that extend beyond our strong foundation in core credit into areas such as marketing, fraud, risk and advanced analytics. As a result, consumers and businesses can transact with confidence and achieve great things. We call this Information for Good® — and it leads to economic opportunity, great experiences and personal empowerment for millions of people around the world.
http://www.transunion.com/business
About Bankrate
Bankrate is where Americans go to get the best price on life’s most important financial decisions. By combining proprietary data, advanced technology, and deep market coverage, Bankrate helps consumers compare options and make confident financial choices across mortgages, credit cards, savings, and more. As a rate provider to the Federal Reserve and the benchmark relied upon by major publishers and policymakers nationwide, Bankrate’s rate data is the national standard. This commitment to precision is reflected across all its products. In mortgages, proprietary auction technology puts lenders in real-time competition on price alone, consistently delivering rates in the lowest 10% in the country. For deposits, the platform features exclusively top-tier rates in the top 10% nationally, while its credit card coverage encompasses more than 90% of the market by volume. Founded by a journalist, Bankrate remains dedicated to its founding mission of transparency, honest information, and real competition — helping to make the American dream more affordable for everyone.
TransUnion spustila službu First Look pro hypotéky, která věřitelům umožňuje nejprve vyhodnotit úvěrový report, případně i úvěrové skóre, a další úvěrová skóre dokupovat jen podle potřeby, což má snížit náklady na sjednávání úvěrů.
CHICAGO, Oct. 08, 2026 (GLOBE NEWSWIRE) -- TransUnion (NYSE: TRU) today launched TransUnion First Look Functionality for Mortgage, enabling mortgage lenders to review credit insights before purchasing scores. The innovation follows TransUnion's recent extension of 99-cent VantageScore® 4.0 mortgage pricing through 2028, with no charge when lenders pull it alongside a FICO® Score. Combined, these advancements help lenders improve origination efficiency, reduce costs and align credit spending more closely with loan progression.
Traditional mortgage workflows often require lenders to purchase credit scores early, even when the underlying credit data often provides the necessary information to determine whether a loan should advance, follow a streamlined path, or be removed from consideration. Whether using a soft-pull solution such as TruVision® Early Access Soft Check or a traditional hard-pull workflow, lenders frequently need multiple scores throughout the origination process. Purchasing those scores before they are needed can lead to unnecessary fallout costs for lenders.
“Mortgage lenders face sustained pressure to control costs and operate more efficiently without compromising underwriting decisions. TransUnion First Look Functionality for Mortgage allows lenders to start with credit report insights and add additional score-based decisioning only when needed,” said Satyan Merchant, senior vice president and mortgage business leader at TransUnion. “First Look Functionality provides insight earlier in the lending journey, directs resources toward the most promising opportunities and creates a more efficient path from application to closing.”
With TransUnion First Look Functionality for Mortgage, lenders can evaluate early-stage risk by purchasing either a credit report alone or a credit report with the score of their choice, then request additional score(s) only when needed. Lenders do not incur the cost of a second credit report when adding additional score(s) when all eligibility and matching conditions are met. Additionally, TransUnion First Look Functionality for Mortgage is compatible with government-sponsored enterprises (GSEs) and the Federal Housing Administration (FHA) automated underwriting workflows, enabling seamless implementation without requiring changes to existing selling guidelines or policies.
Available for both soft- and hard-pull workflows and through mortgage resellers, lenders can capture efficiencies without redesigning existing processes. For instance, through Early Access Soft Check, lenders can assess borrower eligibility earlier by using the TransUnion credit report along with VantageScore 4.0, in addition to indicators on the credit report such as bankruptcy risk, streamlined-program eligibility and other underwriting considerations, before another score is needed.
Trended credit data and optional solutions like TruVision Alternative Credit Attributes and TruVision Income and Employment Verification can also provide additional insight in both soft and hard-pull workflows while helping reduce unnecessary credit expenses and maintain decision quality.
Learn more about TransUnion First Look Functionality for Mortgage.
About TransUnion (NYSE: TRU)
TransUnion is a global information and insights company with over 13,000 associates operating in more than 30 countries. We make trust possible by ensuring each person is reliably represented in the marketplace. We do this with a Tru™ picture of each person: an actionable view of consumers, stewarded with care. Through our acquisitions and technology investments, we have developed innovative solutions that extend beyond our strong foundation in core credit into areas such as marketing, fraud, risk and advanced analytics. As a result, consumers and businesses can transact with confidence and achieve great things. We call this Information for Good® — and it leads to economic opportunity, great experiences and personal empowerment for millions of people around the world.
TransUnion prodlouží cenu za VantageScore 4.0 na 0,99 USD za hypoteční skóre až do konce roku 2028. Firma tím chce podpořit konkurenci a cenovou stabilitu v hypotečním úvěrovém skórování.
CHICAGO, Sept. 29, 2026 (GLOBE NEWSWIRE) -- TransUnion (NYSE: TRU) today announced that it will extend its mortgage pricing for VantageScore® 4.0 through December 2028, providing lenders, mortgage resellers and other industry participants with long-term pricing certainty as adoption of modern credit scoring models continues to accelerate.
Under the extended program, VantageScore 4.0 will continue to be available for $0.99 per mortgage origination score when ordered on a standalone basis. TransUnion was the first of the credit bureaus to announce that reduction earlier this year to help make home buying more affordable. TransUnion will also continue to offer VantageScore 4.0 at no additional cost to mortgage customers who purchase a FICO® score.
The announcement follows the Federal Housing Finance Agency’s (FHFA) September 2026 expansion of VantageScore 4.0 availability to approved Fannie Mae and Freddie Mac lenders, further advancing access to modern credit scoring solutions and greater choice across the mortgage industry. This momentum continues with the Federal Housing Administration’s (FHA) planned acceptance of mortgage collateral backed by VantageScore 4.0 beginning January 1, 2027, helping broaden access to homeownership opportunities for more creditworthy Americans.
“Broad availability of VantageScore 4.0 gives lenders another accepted credit scoring option, and predictable pricing will help them adopt that option with greater confidence,” said Satyan Merchant, senior vice president and mortgage business leader at TransUnion. “By extending our pricing through the end of 2028, TransUnion is offering three years of price stability while supporting greater competition and score choice in the mortgage market.”
VantageScore 4.0 is a next-generation credit scoring model that leverages trended credit data insights along with rental and utility tradelines, giving lenders a more complete view of consumer credit behavior. To help lenders and investors confidently assess and adopt VantageScore 4.0, TransUnion will continue to offer historical data and analytical support at no cost, allowing testing through TransUnion’s TruIQ™ Data Enrichment platforms.
"Mortgage lenders should not have to choose between innovation and affordability,” Merchant added.
TransUnion continues to see growing interest from lenders evaluating or implementing VantageScore 4.0-driven strategies across origination, prequalification and portfolio risk management. Between January and September 2026, VantageScore 4.0 adoption expanded to more than 1,100 mortgage lenders, including 9 of TransUnion’s 15 largest mortgage lender customers. At the same time, participants across the mortgage capital markets are increasingly recognizing the value of incorporating multiple credit score perspectives into mortgage-backed securities, helping improve transparency and broaden investor insight.
About TransUnion (NYSE: TRU)
TransUnion is a global information and insights company with over 13,000 associates operating in more than 30 countries. We make trust possible by ensuring each person is reliably represented in the marketplace. We do this with a Tru™ picture of each person: an actionable view of consumers, stewarded with care. Through our acquisitions and technology investments, we have developed innovative solutions that extend beyond our strong foundation in core credit into areas such as marketing, fraud, risk and advanced analytics. As a result, consumers and businesses can transact with confidence and achieve great things. We call this Information for Good® — and it leads to economic opportunity, great experiences and personal empowerment for millions of people around the world.
TransUnion oznámila, že finanční ředitel Todd Cello odstoupí k 31. prosinci 2026 po 29 letech ve firmě a do 1. března 2027 zůstane poradcem. Společnost zároveň potvrdila výhled na rok 2026.
Todd Cello stepping down on December 31, 2026, after 29 years with the Company Cello will then serve as a full-time advisor through March 1, 2027 TransUnion reaffirms 2026 financial outlook CHICAGO, Sept. 23, 2026 (GLOBE NEWSWIRE) -- TransUnion (NYSE: TRU) today announced that Todd Cello, Executive Vice President, Chief Financial Officer (CFO), has made the personal decision to step down after 29 years with the company, including nine years as CFO. Cello will remain CFO through December 31, 2026, and will serve as a full-time advisor until March 1, 2027, to support a smooth transition to his successor. TransUnion has initiated a comprehensive search for its next CFO in partnership with a leading executive search firm.
“Todd has guided TransUnion through many of our defining moments, and I have greatly valued his partnership and counsel. His commitment to our company will leave a strong, positive legacy,” said Chris Cartwright, President & Chief Executive Officer. “While we will miss Todd’s leadership, TransUnion is well positioned for the future. We remain confident in our ability to deliver long-term value for our customers, associates, and shareholders.”
“I feel privileged to have been a part of TransUnion’s evolution, and I am grateful to the many colleagues who have shared that journey,” said Cello. “After careful reflection, I believe this is the right time to consider my next chapter. As a long-term shareholder, I remain confident in TransUnion's future and deeply invested in its continued success. I am committed to supporting a thoughtful transition, including assisting with the search for and onboarding of my successor.”
TransUnion Reaffirms Third Quarter and Full-Year 2026 Guidance
TransUnion is reaffirming third quarter and full-year 2026 guidance for revenue, Adjusted EBITDA, and Adjusted Diluted Earnings Per Share. The planned CFO departure is not expected to impact the Company’s business operations, strategic priorities, long-term financial targets or capital allocation approach.
About TransUnion (NYSE: TRU)
TransUnion is a global information and insights company with over 13,000 associates operating in more than 30 countries. We make trust possible by ensuring each person is reliably represented in the marketplace. We do this with a Tru™ picture of each person: an actionable view of consumers, stewarded with care. Through our acquisitions and technology investments, we have developed innovative solutions that extend beyond our strong foundation in core credit into areas such as marketing, fraud, risk and advanced analytics. As a result, consumers and businesses can transact with confidence and achieve great things. We call this Information for Good® — and it leads to economic opportunity, great experiences and personal empowerment for millions of people around the world.
http://www.transunion.com/business
Forward-Looking Statements
This press release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements are based on the current beliefs and expectations of TransUnion’s management and are subject to significant risks and uncertainties. Actual results may differ materially from those described in the forward-looking statements. Any statements made in this press release that are not statements of historical fact, including statements about our beliefs, expectations and outlook are forward-looking statements. Forward-looking statements include information concerning possible or assumed future results of operations, including our third quarter and full year 2026 guidance, and descriptions of our business plans and strategies. These statements often include words such as “anticipate,” “expect,” “guidance,” “suggest,” “plan,” “believe,” “intend,” “estimate,” “target,” “project,” “should,” “could,” “would,” “may,” “will,” “forecast,” “outlook,” “potential,” “continues,” “seeks,” “predicts,” or the negatives of these words and other similar expressions. Factors that could cause actual results to differ materially from those described in the forward-looking statements, or that could materially affect our financial results or such forward-looking statements include the risks and factors disclosed in our Annual Report on Form 10-K for the year ended December 31, 2025, and any subsequent Quarterly Report on Form 10-Q or Current Report on Form 8-K filed with the Securities and Exchange Commission (“SEC”). There may be other factors, many of which are beyond our control, that may cause our actual results to differ materially from the forward-looking statements. You should evaluate all forward-looking statements made in this press release in the context of these risks and uncertainties. The forward-looking statements contained in this press release speak only as of the date of this press release. We undertake no obligation to publicly release the result of any revisions to these forward-looking statements to reflect the impact of events or circumstances that may arise after the date of this press release.
Non-GAAP Financial Measures
This press release includes references to certain non-GAAP financial measures, including Adjusted EBITDA and Adjusted Diluted Earnings Per Share, that are more fully described in the appendices to Exhibit 99.1, “Press Release of TransUnion dated July 28, 2026, announcing results for the quarter ended June 30, 2026,” under the heading “Non-GAAP Financial Measures,” furnished to the SEC on July 28, 2026 (the “2nd Quarter 2026 Earnings Release”). These financial measures should be reviewed in conjunction with the relevant GAAP financial measures and are not presented as alternative measures of GAAP. Other companies in our industry may define or calculate these measures differently than we do, limiting their usefulness as comparative measures. Because of these limitations, these non-GAAP financial measures should not be considered in isolation or as substitutes for performance measures calculated in accordance with GAAP. Reconciliations of these non-GAAP financial measures to their most directly comparable GAAP financial measures are included in Schedule 7, “Reconciliation of Non-GAAP Guidance (Unaudited)” of the 2nd Quarter 2026 Earnings Release.
TransUnion (NYSE:TRU – Get Free Report) EVP Venkat Achanta sold 23,287 shares of TransUnion stock in a transaction dated Thursday, September 10th. The shares were sold at an average price of $77.00, for a total value of $1,793,099.00. Following the completion of the transaction, the executive vice president owned 196,912 shares in the company, valued at approximately $15,162,224. This represents a 10.58% decrease in their position. The transaction was disclosed in a legal filing with the Securities & Exchange Commission, which is accessible through the SEC website.
TransUnion Stock Down 2.2% Shares of NYSE TRU opened at $77.07 on Wednesday. The company has a market cap of $14.77 billion, a price-to-earnings ratio of 20.34, a PEG ratio of 1.30 and a beta of 1.54. The company has a current ratio of 1.90, a quick ratio of 1.90 and a debt-to-equity ratio of 1.07. TransUnion has a 12 month low of $63.37 and a 12 month high of $95.50. The stock has a 50-day moving average price of $80.03 and a two-hundred day moving average price of $74.31.
TransUnion (NYSE:TRU – Get Free Report) last posted its quarterly earnings results on Tuesday, July 28th. The business services provider reported $1.23 earnings per share for the quarter, beating analysts’ consensus estimates of $1.16 by $0.07. The company had revenue of $1.31 billion for the quarter, compared to the consensus estimate of $1.28 billion. TransUnion had a net margin of 15.08% and a return on equity of 16.29%. The firm’s quarterly revenue was up 14.9% compared to the same quarter last year. During the same period last year, the company posted $1.08 EPS. TransUnion has set its Q3 2026 guidance at 1.180-1.210 EPS and its FY 2026 guidance at 4.750-4.830 EPS. As a group, analysts forecast that TransUnion will post 4.24 earnings per share for the current fiscal year.
TransUnion Dividend Announcement The business also recently announced a quarterly dividend, which was paid on Friday, September 4th. Shareholders of record on Thursday, August 20th were given a $0.125 dividend. The ex-dividend date was Thursday, August 20th. This represents a $0.50 dividend on an annualized basis and a yield of 0.6%. TransUnion’s dividend payout ratio (DPR) is currently 13.19%. TransUnion News Summary Here are the key news stories impacting TransUnion this week:
Positive Sentiment: TransUnion highlighted its data-driven advertising and audience-insights strategy through TruAudience, supporting the case for continued expansion in its marketing and data-solutions business. Getting Your Data House in Order with Matt Spiegel Positive Sentiment: Recent commentary points to international growth, strong liquidity and rising cash flow as potential drivers of future capital returns. TransUnion’s latest quarterly results also exceeded expectations, with revenue rising 14.9% year over year and earnings topping consensus estimates. TRU Stock Rises 17.1% in Three Months Neutral Sentiment: At Barclays’ financial-services conference, management discussed the company’s outlook and business strategy. The presentation provides investors with additional context on growth initiatives and execution, but no clearly new guidance was identified in the available report. Barclays Conference Transcript Neutral Sentiment: Analyst views remain mixed. TransUnion retains a “Moderate Buy” consensus, but some firms maintain neutral ratings or have reduced targets, suggesting valuation and execution concerns could limit near-term upside. Analysts Offer Insights on TransUnion Negative Sentiment: Executive Vice President Venkat Achanta sold 23,287 TransUnion shares for approximately $1.79 million, reducing his direct ownership by 10.58%. Although insider sales do not necessarily signal deteriorating fundamentals, the transaction can weigh on sentiment. TransUnion EVP Sells Stock Negative Sentiment: Wall Street Zen downgraded TransUnion from “buy” to “hold,” adding to the cautious analyst signals surrounding the shares. TransUnion Rating Lowered Institutional Trading of TransUnion Several institutional investors have recently modified their holdings of TRU. Northwestern Mutual Wealth Management Co. increased its holdings in shares of TransUnion by 12.5% in the 2nd quarter. Northwestern Mutual Wealth Management Co. now owns 1,187 shares of the business services provider’s stock worth $86,000 after purchasing an additional 132 shares in the last quarter. Global Retirement Partners LLC raised its stake in shares of TransUnion by 26.1% in the fourth quarter. Global Retirement Partners LLC now owns 690 shares of the business services provider’s stock worth $59,000 after purchasing an additional 143 shares during the last quarter. Annis Gardner Whiting Capital Advisors LLC lifted its holdings in shares of TransUnion by 14.7% during the first quarter. Annis Gardner Whiting Capital Advisors LLC now owns 1,188 shares of the business services provider’s stock valued at $82,000 after purchasing an additional 152 shares in the last quarter. CIBC Asset Management Inc lifted its holdings in shares of TransUnion by 2.2% during the fourth quarter. CIBC Asset Management Inc now owns 8,560 shares of the business services provider’s stock valued at $734,000 after purchasing an additional 182 shares in the last quarter. Finally, Raiffeisen Bank International AG boosted its position in shares of TransUnion by 2.0% during the second quarter. Raiffeisen Bank International AG now owns 9,468 shares of the business services provider’s stock valued at $680,000 after buying an additional 187 shares during the last quarter.
Analysts Set New Price Targets A number of research analysts have recently commented on the company. Stifel Nicolaus increased their price target on TransUnion from $88.00 to $96.00 and gave the company a “buy” rating in a research note on Wednesday, July 29th. BMO Capital Markets upped their target price on TransUnion from $85.00 to $98.00 and gave the stock an “outperform” rating in a report on Wednesday, July 29th. Wall Street Zen downgraded TransUnion from a “buy” rating to a “hold” rating in a research report on Monday. Needham & Company LLC lifted their price target on TransUnion from $95.00 to $100.00 and gave the company a “buy” rating in a research note on Wednesday, July 29th. Finally, Wells Fargo & Company boosted their price target on TransUnion from $90.00 to $102.00 and gave the stock an “overweight” rating in a report on Wednesday, July 29th. Ten analysts have rated the stock with a Buy rating and six have issued a Hold rating to the stock. According to data from MarketBeat, TransUnion has an average rating of “Moderate Buy” and a consensus target price of $94.38.
Check Out Our Latest Stock Analysis on TRU
TransUnion Company Profile (Get Free Report)
TransUnion (NYSE: TRU) is a global information and insights company that helps businesses and consumers make more informed decisions. Its services use credit, identity, and other data to support lending, insurance, telecommunications, retail, employment, and other commercial activities.
The company provides credit reporting and risk-management solutions, including consumer credit information, scoring, decisioning tools, fraud detection, identity verification, and analytics. TransUnion also offers marketing and audience-insights products designed to help organizations understand and reach consumers, as well as consumer-facing services that provide access to credit information, monitoring, and identity-protection tools.
TransUnion traces its origins to 1968, when it was established as a holding company for a railroad-leasing business before developing into a consumer credit reporting organization.
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Key Takeaways TransUnion shares have gained 17.1% in three months against the industry's 0.3% decline.TRU's international revenues rose 27% to $320.8 million, with organic growth accelerating to 6%.TRU generated $374.9 million in Q2 operating cash flow and returned capital through buybacks and dividends. TransUnion (TRU - Free Report) stock has gained 17.1% over the past three months against the industry’s 0.3% decline. The Zacks S&P 500 Composite has gained 0.5% during that period.
Three-Month Share Price Performance
Image Source: Zacks Investment Research
Let us delve deeper into the factors that have contributed to the company’s strong performance.
International Expansion Broadens the Growth BaseTransUnion’s International revenues increased 27% to $320.8 million and accelerated to 6% organic growth in the second quarter of 2026, led by 10% growth in Canada and high-single-digit growth in India and the U.K. TransUnion de Mexico is performing ahead of the company’s acquisition assumptions. Revenues from Latin America grew 5% organically, while Africa advanced 5% during the same period. Management plans to deploy its core data, analytics and fraud prevention platforms and product suites such as OneTru, TruIQ and TruValidate across key international markets to support additional cross-selling, share gains and scalable growth.
Liquidity Provides Financial FlexibilityTransUnion had cash and cash equivalents of $839.1 million at the end of the second quarter of 2026. Its current ratio was 1.9, above the industry average of 0.97, supported by higher accounts receivable. A ratio above 1 indicates adequate capacity to meet near-term obligations. This healthy liquidity profile gives TransUnion greater flexibility to fund growth initiatives and capital returns. It also provides a buffer against near-term operating or macroeconomic volatility.
Strong Cash Flow Supports Greater Capital ReturnsTransUnion generated $374.9 million in operating cash flow during the second quarter of 2026. Cash provided by operating activities totaled $459.1 million in the first six months of 2026, up from $343.8 million a year earlier. Capital expenditures decreased to $134.4 million from $145.4 million. The company returned $24.5 million through dividends and $103.7 million through share repurchases during the quarter. Higher cash generation and lower capital spending strengthen TransUnion’s capacity to return capital to shareholders. Sustained cash flow growth should also provide greater flexibility to fund strategic investments while supporting balance sheet improvement.
TRU’s Zacks Rank & Stocks to ConsiderTransUnion has a Zacks Rank #3 (Hold) at present.
A couple of better-ranked stocks in the broader Business Services sector are Bright Horizons Family Solutions Inc. (BFAM - Free Report) and CBIZ, Inc. (CBZ - Free Report) .
Bright Horizons Family Solutions carries a Zacks Rank #2 (Buy) at present. It has a long-term earnings growth expectation of 13.9%. You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
BFAM delivered a trailing four-quarter earnings surprise of 7.6%, on average.
CBIZ also holds a Zacks Rank of 2 at present. It has a long-term earnings growth expectation of 10%.
CBZ beat earnings estimates in three of the last four quarters and missed once, with an average earnings surprise of 8.9%.
California State Teachers Retirement System raised its stake in shares of TransUnion (NYSE:TRU – Free Report) by 6,636.6% during the second quarter, according to its most recent disclosure with the Securities and Exchange Commission. The institutional investor owned 22,788,593 shares of the business services provider’s stock after purchasing an additional 22,450,313 shares during the quarter. California State Teachers Retirement System owned 11.89% of TransUnion worth $1,643,969,000 as of its most recent filing with the Securities and Exchange Commission.
Several other large investors also recently modified their holdings of the stock. BlackRock Inc. acquired a new position in shares of TransUnion in the 2nd quarter worth approximately $1,367,560,000. Dodge & Cox acquired a new stake in TransUnion in the 4th quarter valued at $843,952,000. Independent Franchise Partners LLP grew its position in TransUnion by 99.7% in the fourth quarter. Independent Franchise Partners LLP now owns 9,136,903 shares of the business services provider’s stock valued at $783,489,000 after acquiring an additional 4,561,619 shares during the period. Jupiter Topco LLC acquired a new position in TransUnion during the second quarter worth $280,292,000. Finally, Meritage Group LP acquired a new position in TransUnion during the second quarter worth $263,751,000.
Insider Buying and Selling In other TransUnion news, CAO Jennifer Williams sold 1,070 shares of TransUnion stock in a transaction dated Monday, August 31st. The stock was sold at an average price of $84.57, for a total value of $90,489.90. Following the sale, the chief accounting officer owned 4,327 shares of the company’s stock, valued at $365,934.39. This trade represents a 19.83% decrease in their position. The transaction was disclosed in a document filed with the SEC, which is available through the SEC website. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Also, EVP Mohamed Abdelsadek sold 23,495 shares of TransUnion stock in a transaction that occurred on Tuesday, July 28th. The shares were sold at an average price of $85.00, for a total value of $1,997,075.00. Following the completion of the sale, the executive vice president directly owned 57,182 shares in the company, valued at approximately $4,860,470. This represents a 29.12% decrease in their position. Additional details regarding this sale are available in the official SEC disclosure. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Over the last three months, insiders have sold 49,160 shares of company stock valued at $3,969,871. 0.37% of the stock is owned by corporate insiders.
TransUnion Price Performance Shares of TRU stock opened at $77.74 on Friday. The company has a quick ratio of 1.90, a current ratio of 1.90 and a debt-to-equity ratio of 1.07. TransUnion has a 12-month low of $63.37 and a 12-month high of $95.50. The firm has a fifty day moving average of $80.07 and a 200-day moving average of $74.22. The firm has a market capitalization of $14.90 billion, a price-to-earnings ratio of 20.51, a price-to-earnings-growth ratio of 1.27 and a beta of 1.54. TransUnion (NYSE:TRU – Get Free Report) last issued its quarterly earnings data on Tuesday, July 28th. The business services provider reported $1.23 EPS for the quarter, topping the consensus estimate of $1.16 by $0.07. The business had revenue of $1.31 billion for the quarter, compared to the consensus estimate of $1.28 billion. TransUnion had a return on equity of 16.29% and a net margin of 15.08%.The firm’s revenue was up 14.9% compared to the same quarter last year. During the same quarter last year, the business posted $1.08 EPS. TransUnion has set its Q3 2026 guidance at 1.180-1.210 EPS and its FY 2026 guidance at 4.750-4.830 EPS. On average, equities research analysts forecast that TransUnion will post 4.24 earnings per share for the current year.
TransUnion Dividend Announcement The business also recently declared a quarterly dividend, which was paid on Friday, September 4th. Shareholders of record on Thursday, August 20th were paid a $0.125 dividend. The ex-dividend date of this dividend was Thursday, August 20th. This represents a $0.50 dividend on an annualized basis and a yield of 0.6%. TransUnion’s payout ratio is presently 13.19%.
Analyst Ratings Changes TRU has been the subject of a number of recent analyst reports. Mizuho dropped their target price on shares of TransUnion from $88.00 to $77.00 and set a “neutral” rating for the company in a research report on Thursday, July 2nd. Morgan Stanley reaffirmed an “overweight” rating and set a $106.00 price objective on shares of TransUnion in a research note on Wednesday, July 29th. Griffin Securities set a $98.00 price objective on shares of TransUnion in a report on Wednesday, July 29th. Wall Street Zen upgraded shares of TransUnion from a “hold” rating to a “buy” rating in a research note on Sunday, September 6th. Finally, The Goldman Sachs Group reaffirmed a “neutral” rating and set a $82.00 price target on shares of TransUnion in a report on Tuesday, July 28th. Ten research analysts have rated the stock with a Buy rating and six have given a Hold rating to the stock. According to MarketBeat, TransUnion presently has an average rating of “Moderate Buy” and a consensus price target of $94.38.
Check Out Our Latest Report on TRU
TransUnion Company Profile (Free Report)
TransUnion (NYSE: TRU) is a global information and insights company that helps businesses and consumers make more informed decisions. Its services use credit, identity, and other data to support lending, insurance, telecommunications, retail, employment, and other commercial activities.
The company provides credit reporting and risk-management solutions, including consumer credit information, scoring, decisioning tools, fraud detection, identity verification, and analytics. TransUnion also offers marketing and audience-insights products designed to help organizations understand and reach consumers, as well as consumer-facing services that provide access to credit information, monitoring, and identity-protection tools.
TransUnion traces its origins to 1968, when it was established as a holding company for a railroad-leasing business before developing into a consumer credit reporting organization.
See Also Five stocks we like better than TransUnion Block Makes a Federal Trust Bank Move That Could Reshape Its Fintech Model Kroger’s Textbook Entry for Buy-and-Hold Investors AST SpaceMobile Looks to Extend Its 30-Day FCC Satellite Testing Window Amgen Drops 10% on a Trial It Didn’t Even Run Want to see what other hedge funds are holding TRU? Visit HoldingsChannel.com to get the latest 13F filings and insider trades for TransUnion (NYSE:TRU – Free Report).
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TransUnion v pátek klesá, protože šéf FHFA Bill Pulte varoval, že úřad zvažuje model bi-merge pro hypotéky podporované vládou. Ten by snížil objem úvěrových zpráv o třetinu.
Shares of TransUnion (NYSE:TRU) are sliding Friday afternoon as investors react to regulatory threats from Federal Housing Finance Agency Director Bill Pulte regarding mortgage credit reporting costs and industry structure.
TransUnion shares are sliding. What’s behind TRU decline? FHFA Director Accuses Credit Bureaus of ‘Cartel-Like’ OverchargingWhile Director Pulte’s Thursday evening directive instructing Fannie Mae and Freddie Mac to approve VantageScore 4.0 for all lenders technically expands the market for a scoring model co-owned by TransUnion, Equifax and Experian, his accompanying comments triggered widespread selling across credit bureau stocks.
In public statements on social media, Pulte accused the three major credit reporting agencies of “overcharging Americans for far too long” and operating with “cartel-like” pricing power. Pulte pledged that the practice “will end soon,” noting that conversations with bureau leadership regarding fee reductions had yielded insufficient progress.
‘Bi-Merge’ Threat Endangers Core Mortgage Data VolumeThe primary catalyst driving TRU stock lower is Pulte’s warning that the FHFA is “seriously considering bi-merge and stronger solutions” for government-backed home loans.
Under the current “tri-merge” framework, mortgage lenders are required to pull credit files from all three national bureaus, TransUnion, Equifax and Experian, for every loan delivered to Fannie Mae or Freddie Mac.
Shifting to a “bi-merge” model would allow lenders to evaluate borrowers using data from only two bureaus, effectively cutting overall industry report volume by a third.
For TransUnion, the potential loss of guaranteed mortgage file volume creates a major structural headwind that overshadows any near-term gains from expanded VantageScore adoption.
TRU Shares Tumble Friday AfternoonTRU Price Action: TransUnion shares were down 7.02% at $78.96 at the time of publication on Friday, according to Benzinga Pro data.
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Corient Private Wealth LP bought a new position in shares of TransUnion (NYSE:TRU – Free Report) in the second quarter, according to its most recent Form 13F filing with the Securities and Exchange Commission. The institutional investor bought 104,227 shares of the business services provider’s stock, valued at approximately $7,519,000. Corient Private Wealth LP owned approximately 0.05% of TransUnion at the end of the most recent quarter.
Other hedge funds and other institutional investors also recently bought and sold shares of the company. Azora Capital LP acquired a new stake in shares of TransUnion during the 2nd quarter valued at approximately $20,338,000. Bamco Inc. NY purchased a new stake in shares of TransUnion in the second quarter valued at $39,247,000. Bank of America Corp DE purchased a new position in TransUnion in the 2nd quarter valued at about $112,747,000. Freestone Grove Partners LP acquired a new stake in TransUnion during the second quarter worth approximately $44,103,000. Finally, Man Group plc purchased a new stake in TransUnion in the 2nd quarter worth approximately $2,361,000.
TransUnion Stock Up 0.0% Shares of NYSE TRU opened at $85.68 on Monday. The company has a debt-to-equity ratio of 1.07, a quick ratio of 1.90 and a current ratio of 1.90. TransUnion has a 1 year low of $63.37 and a 1 year high of $95.50. The stock’s 50-day simple moving average is $78.18 and its 200-day simple moving average is $73.77. The firm has a market cap of $16.42 billion, a price-to-earnings ratio of 22.61, a PEG ratio of 1.41 and a beta of 1.53.
TransUnion (NYSE:TRU – Get Free Report) last issued its quarterly earnings results on Tuesday, July 28th. The business services provider reported $1.23 EPS for the quarter, beating analysts’ consensus estimates of $1.16 by $0.07. TransUnion had a return on equity of 16.29% and a net margin of 15.08%.The firm had revenue of $1.31 billion during the quarter, compared to the consensus estimate of $1.28 billion. During the same quarter in the prior year, the business posted $1.08 earnings per share. TransUnion’s revenue for the quarter was up 14.9% on a year-over-year basis. TransUnion has set its Q3 2026 guidance at 1.180-1.210 EPS and its FY 2026 guidance at 4.750-4.830 EPS. As a group, equities analysts anticipate that TransUnion will post 4.24 earnings per share for the current fiscal year. TransUnion Announces Dividend The firm also recently announced a quarterly dividend, which will be paid on Friday, September 4th. Stockholders of record on Thursday, August 20th will be paid a dividend of $0.125 per share. This represents a $0.50 annualized dividend and a dividend yield of 0.6%. The ex-dividend date is Thursday, August 20th. TransUnion’s dividend payout ratio is 13.19%.
Insider Activity at TransUnion In other TransUnion news, insider Todd C. Skinner sold 1,000 shares of the stock in a transaction on Wednesday, July 1st. The shares were sold at an average price of $72.64, for a total transaction of $72,640.00. Following the transaction, the insider directly owned 64,634 shares in the company, valued at $4,695,013.76. This represents a 1.52% decrease in their position. The transaction was disclosed in a legal filing with the SEC, which is available through this link. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Also, CAO Jennifer A. Williams sold 972 shares of the stock in a transaction on Tuesday, July 7th. The shares were sold at an average price of $80.00, for a total transaction of $77,760.00. Following the transaction, the chief accounting officer owned 5,843 shares in the company, valued at $467,440. This trade represents a 14.26% decrease in their ownership of the stock. Additional details regarding this sale are available in the official SEC disclosure. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. In the last 90 days, insiders sold 46,090 shares of company stock worth $3,710,541. 0.37% of the stock is currently owned by insiders.
Analysts Set New Price Targets A number of research analysts have weighed in on the company. Needham & Company LLC increased their price target on TransUnion from $95.00 to $100.00 and gave the stock a “buy” rating in a research note on Wednesday, July 29th. Wall Street Zen raised TransUnion from a “hold” rating to a “buy” rating in a research report on Saturday. Wells Fargo & Company upped their target price on TransUnion from $90.00 to $102.00 and gave the company an “overweight” rating in a research note on Wednesday, July 29th. Robert W. Baird increased their target price on TransUnion from $108.00 to $115.00 and gave the stock an “outperform” rating in a research report on Wednesday, July 29th. Finally, Morgan Stanley reissued an “overweight” rating and issued a $106.00 price target on shares of TransUnion in a research note on Wednesday, July 29th. Ten analysts have rated the stock with a Buy rating and six have given a Hold rating to the company. According to data from MarketBeat, the company currently has a consensus rating of “Moderate Buy” and an average target price of $94.38.
Read Our Latest Research Report on TRU
TransUnion Company Profile (Free Report)
TransUnion is a global information and insights company that helps businesses and consumers make critical decisions using data and analytics. As one of the three major credit bureaus in the United States, TransUnion collects and aggregates credit information on individuals and businesses, providing credit reports, risk scores and portfolio management tools to financial institutions, lenders, landlords and other decision makers. Its consumer-facing products enable individuals to monitor credit status, detect identity theft and access personalized financial insights.
The company’s offerings span credit risk assessment, identity management, fraud prevention and marketing solutions.
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TransUnion ve 2. čtvrtletí překonal odhady: upravený zisk na akcii byl 1,23 USD a tržby 1,31 miliardy USD. Firma zároveň zvýšila celoroční výhled tržeb i upraveného zisku.
A month has gone by since the last earnings report for TransUnion (TRU - Free Report) . Shares have added about 0.9% in that time frame, underperforming the S&P 500.
But investors have to be wondering, will the recent positive trend continue leading up to its next earnings release, or is TransUnion due for a pullback? Well, first let's take a quick look at its most recent earnings report in order to get a better handle on the recent drivers for TransUnion before we dive into how investors and analysts have reacted as of late.
TransUnion's Q2 Earnings Beat EstimatesTransUnion reported impressive second-quarter 2026 results, with both earnings and revenues beating the Zacks Consensus Estimate.
TRU’s adjusted earnings of $1.23 per share topped the Zacks Consensus Estimate by 7.9% and increased 13.9% from the year-ago quarter’s level. The performance extended the company’s strong start to 2026.
Revenues of $1.31 billion surpassed the consensus estimate by 1.7% and rose 14.9% year over year. Organic constant-currency revenues grew 10% from the year-ago quarter, led by U.S. Financial Services and Emerging Verticals.
TRU's U.S. Markets Growth BroadensU.S. Markets revenues increased 11% to $992.7 million. Financial Services revenues climbed 18% to $496.3 million, reflecting strength across credit and non-credit offerings, pricing actions and new client wins.
Excluding FICO mortgage royalties, Financial Services growth was 10%. Credit Card and Banking revenues increased 6%, while Consumer Lending and Auto each grew 8%. Mortgage revenues advanced 37%, or 15% excluding the royalty benefit, despite a 7% decline in inquiries.
Emerging Verticals revenues rose 9% to $353.9 million. Insurance delivered its eighth consecutive quarter of double-digit growth, while technology, retail and e-commerce produced high-single-digit growth.
Consumer Interactive revenues declined 3% to $142.5 million. Growth through indirect channels was offset by continued weakness in the direct-to-consumer business.
TransUnion's International Growth AcceleratesInternational revenues increased 27% to $320.8 million, including the contribution from Trans Union de Mexico. On an organic constant-currency basis, growth accelerated to 6% from flat performance in the first quarter.
Canada revenues rose 10% to $46.4 million, supported by financial services, fintech and insurance demand. The United Kingdom revenues increased 9% to $73.5 million, benefiting from market-share gains and new business across banking and fintech.
India revenues returned to growth, rising 8% on a constant-currency basis, as credit volumes improved and new client wins strengthened. Latin America grew 5% organically, while Africa advanced 5%. Asia Pacific declined 7%, although management expects the region to return to growth in the second half.
Trans Union de Mexico continued to perform ahead of the company’s acquisition assumptions. Management plans to expand its data coverage, introduce TruIQ analytics and eventually migrate the business to the OneTru platform.
TRU's Margin Picture Reflects Royalty DragAdjusted EBITDA increased 12% to $456.1 million. The adjusted EBITDA margin contracted 90 basis points to 34.8%, with management attributing the decline entirely to FICO mortgage royalties.
U.S. Markets adjusted EBITDA rose 7% to $361 million, while its margin declined to 36.4% from 37.9%. International adjusted EBITDA increased 27% to $136.8 million, while its margin held steady at 42.7%.
GAAP net income attributable to TransUnion increased to $143.4 million from $109.6 million. Diluted GAAP earnings were 74 cents per share, up from 56 cents in the prior-year quarter.
TransUnion's Cash Flow Supports BuybacksTransUnion ended June with $839.1 million in cash and cash equivalents and $5.59 billion in total debt. Its leverage ratio declined to 2.6X, supported by adjusted EBITDA growth.
Cash provided by operating activities totaled $459.1 million in the first six months of 2026, up from $343.8 million a year earlier. Capital expenditures decreased to $134.4 million from $145.4 million.
The company repurchased roughly $150 million of shares through July, including 2.1 million shares at an average price of about $71. Management expects second-half repurchases to be at least comparable to the first-half pace while continuing to target leverage below 2.5X.
TRU’s Q3 & 2026 OutlookFor the third quarter, TransUnion expects revenues to be between $1.292 billion and $1.310 billion, representing reported growth of 11-12%. Organic constant-currency growth is projected at 6-8%.
TRU guided its third-quarter 2026 adjusted earnings to be between $1.18 and $1.21 per share. Adjusted EBITDA is anticipated to be between $455 million and $463 million, with a margin of 35.2-35.4%.
For 2026, the company raised its revenue outlook to $5.127-$5.162 billion, implying growth of 12-13%. Organic constant-currency growth remains projected at 8-9%.
Adjusted EBITDA is expected between $1.807 billion and $1.827 billion. Adjusted earnings guidance increased to $4.75-$4.83 per share from the earlier range of $4.68-$4.75, reflecting stronger first-half execution and improved contributions from Mexico.
How Have Estimates Been Moving Since Then?In the past month, investors have witnessed a downward trend in estimates review.
VGM ScoresAt this time, TransUnion has a nice Growth Score of B, though it is lagging a lot on the Momentum Score front with a D. However, the stock was allocated a score of B on the value side, putting it in the second quintile for value investors.
Overall, the stock has an aggregate VGM Score of B. If you aren't focused on one strategy, this score is the one you should be interested in.
OutlookEstimates have been broadly trending downward for the stock, and the magnitude of these revisions indicates a downward shift. Notably, TransUnion has a Zacks Rank #3 (Hold). We expect an in-line return from the stock in the next few months.
Key Takeaways TransUnion shares gained 15.3% in three months as Q2 revenues rose 14.9% and adjusted earnings climbed 13.9%.TransUnion raised 2026 revenue guidance to $5.127-$5.162B and adjusted EPS guidance to $4.75-$4.83.TransUnion ended June with $5.59B in debt, while its adjusted EBITDA margin fell 90 basis points to 34.8%.
TransUnion (TRU - Free Report) shares have gained 15.3% over the past three months, drawing attention to whether the rebound can extend. Better earnings, rising revenues and faster international growth give investors several operating signals to assess.
Management also raised its 2026 outlook after a stronger first half. The counterweight is a debt-heavy balance sheet and a second-quarter margin decline, leaving the next leg of the rally dependent on continued execution.
TRU’s 15.3% Rally Follows Stronger Operating MomentumThe share advance has coincided with broader operating momentum. In the second quarter of 2026, U.S. Markets revenues rose 11% year over year, while International revenues increased 27%, helped by the Trans Union de Mexico acquisition.
Adjusted EBITDA increased 12% to $456.1 million, and International organic constant-currency revenue growth accelerated to 6% from flat growth in the first quarter. Those trends can help explain improved investor sentiment, but they do not establish that operating results directly caused the stock’s move.
TransUnion’s Q2 Beat Adds Support to the MoveTransUnion reported adjusted earnings of $1.23 per share for the second quarter, up 13.9% year over year and 7.9% above the Zacks Consensus Estimate. Revenues increased 14.9% to $1.31 billion and beat the consensus mark by 1.7%.
Organic constant-currency revenues grew 10%, showing that growth extended beyond acquisition contributions. Financial Services revenues rose 18% to $496.3 million, while Emerging Verticals revenues increased 9% to $353.9 million.
TRU’s Raised Outlook Tests the Rally’s Staying PowerTransUnion raised its 2026 revenue guidance to $5.127-$5.162 billion, implying reported growth of 12-13%. Organic constant-currency growth remains projected at 8-9%.
The company also increased adjusted earnings guidance to $4.75-$4.83 per share from $4.68-$4.75. Stronger first-half execution and better-than-expected contributions from Mexico supported the revision, giving investors a higher operating bar for the rest of the year.
Debt and Margin Pressure Could Limit TRU’s UpsideThe balance sheet remains a constraint. TransUnion ended June with $5.59 billion in total debt, and its debt-to-equity ratio stands at 1.07. Its adjusted EBITDA margin fell 90 basis points year over year to 34.8%, with management attributing the decline to FICO mortgage royalties.
Leverage improved to 2.6X, but management is still targeting a ratio below 2.5X. The competitive backdrop also remains demanding. Equifax Inc. (EFX - Free Report) operates as a global data, analytics and technology company, while Fair Isaac Corporation (FICO - Free Report) provides analytics and decision-management solutions used in areas including credit risk.
TRU’s Mixed Signals Keep Expectations in CheckThe 15.3% rally has credible operating support, but debt and margin pressure make a straight-line extension uncertain. Guidance now points to continued growth, yet execution in the second half will determine whether the operating momentum remains durable.
TRU currently carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
TransUnion has a Value Score of B, Growth Score of B and VGM Score of B. Those B scores indicate comparatively favorable value and growth characteristics within the Zacks Style Score framework.
Its Momentum Score of C is less supportive than its other Style Scores. Combined with a Zacks Rank #3, the setup favors a measured view of the recent advance rather than assuming the rally will automatically continue.
TransUnion ve 2. čtvrtletí zvýšila výnosy o 14,9 % na 1,31 miliardy USD a upravený zisk na akcii na 1,23 USD, což znamená růst o 13,9 %. Dluh zůstává vysoký, i když zadlužení kleslo na 2,6x.
Key Takeaways TransUnion's Q2 revenues rose 14.9%, adjusted earnings gained 13.9% and organic revenues grew 10%.TransUnion trades at 15.0X forward earnings, below its sub-industry, sector and S&P 500 benchmarks.TransUnion's leverage fell to 2.6X, while OneTru and its Mexico expansion offer new growth avenues. TransUnion (TRU - Free Report) is showing faster revenue and earnings growth while trading below several valuation benchmarks. The combination strengthens the case for investors to revisit the stock, especially as organic growth remains healthy.
The trade-off is leverage. Debt remains sizable even as the company reduces its leverage ratio, so the investment case depends on whether improving operations and new growth avenues can outweigh balance-sheet and execution risks.
TRU’s Growth Profile Has StrengthenedSecond-quarter 2026 revenues increased 14.9% year over year to $1.31 billion. Adjusted earnings of $1.23 per share rose 13.9%, while organic constant-currency revenues grew 10%, indicating that the improvement extended beyond acquisition contributions.
U.S. Markets revenues advanced 11%. Financial Services revenues climbed 18% to $496.3 million, helped by credit and non-credit offerings, pricing actions and new client wins. Emerging Verticals revenues rose 9% to $353.9 million, adding breadth to the domestic growth profile.
TransUnion Trades at a Discount to Key BenchmarksTRU trades at 15.0X forward 12-month earnings, below 18.8X for the Zacks sub-industry, 18.1X for the Zacks sector and 20.7X for the S&P 500. The stock also sits well below its five-year median multiple of 21.2X.
Image Source: Zacks Investment Research
Image Source: Zacks Investment Research
Image Source: Zacks Investment Research
That discount creates a valuation argument, but it does not guarantee a rerating. Equifax Inc. (EFX - Free Report) , another global data, analytics and technology company, operates in overlapping information-services markets and reinforces the competitive context in which investors are judging TRU’s valuation.
TRU’s Debt Load Still Constrains Financial FlexibilityTransUnion ended June with $5.59 billion in total debt and carries a debt-to-equity ratio of 1.07. The debt load has supported acquisitions and expansion, but it also raises operating costs and can reduce flexibility to pursue additional opportunities.
The leverage ratio declined to 2.6X, supported by adjusted EBITDA growth, while management continues to target a level below 2.5X. FactSet Research Systems Inc. (FDS - Free Report) , a provider of integrated financial information and analytics, is another peer in the broader information-services group, highlighting the range of data-focused businesses competing for investor capital.
OneTru and Mexico Expand TransUnion’s Growth OptionsOneTru gives TransUnion another avenue to build growth internally. The platform unifies data and analytics assets used for credit risk, marketing and fraud mitigation, and it is designed to improve scalability while reducing customer costs. Its pipeline is approaching $50 million.
International expansion adds another lever. TransUnion acquired approximately 94% of Trans Union de Mexico in March 2026, and the business was already performing ahead of acquisition assumptions by the second quarter. Management plans to broaden its data coverage, introduce TruIQ analytics and eventually migrate the business to OneTru.
TRU’s Ratings Favor Patience Over AggressionThe bottom line is that TRU’s improving growth and discounted valuation make the stock more interesting, but the debt burden keeps the risk-reward balance from becoming clearly bullish. Continued organic growth and further deleveraging would strengthen the case, while weaker execution could leave the valuation discount intact.
TRU currently carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
TransUnion also has a Value Score of B, Growth Score of B and VGM Score of B, signaling relatively favorable characteristics in those areas within the Zacks Style Score framework.
The Momentum Score of C is less supportive. Since the Style Scores are designed to complement the Zacks Rank, the current combination fits a patient stance rather than an aggressive buying case.
TransUnion po výsledcích za 2. čtvrtletí zvýšil celoroční výhled tržeb na 5,127 až 5,162 miliardy USD i upraveného zisku na akcii na 4,75 až 4,83 USD. Akcie od 28. července přidaly 8,4 %.
Key Takeaways TransUnion topped Q2 estimates, with adjusted EPS up 13.9% and revenues rose 14.9% year over year.U.S. Markets grew 11% as Financial Services surged 18%, while International revenues climbed 27% y/y.TRU raised 2026 guidance on strong first-half execution and improved contributions from Mexico. TransUnion (TRU - Free Report) reported impressive second-quarter 2026 results, with both earnings and revenues beating the Zacks Consensus Estimate.
TRU’s adjusted earnings of $1.23 per share topped the Zacks Consensus Estimate by 7.9% and increased 13.9% from the year-ago quarter’s level. The performance extended the company’s strong start to 2026.
Revenues of $1.31 billion surpassed the consensus estimate by 1.7% and rose 14.9% year over year. Organic constant-currency revenues grew 10% from the year-ago quarter, led by U.S. Financial Services and Emerging Verticals.
The better-than-expected results impressed investors, as the stock has gained 8.4% since the company released results on July 28.
TRU’s shares have plunged 12% over the past year compared with the industry’s 11.4% decrease. The Zacks S&P 500 Composite has risen 19.6% over the same time frame.
TRU's U.S. Markets Growth BroadensU.S. Markets revenues increased 11% to $992.7 million. Financial Services revenues climbed 18% to $496.3 million, reflecting strength across credit and non-credit offerings, pricing actions and new client wins.
Excluding FICO mortgage royalties, Financial Services growth was 10%. Credit Card and Banking revenues increased 6%, while Consumer Lending and Auto each grew 8%. Mortgage revenues advanced 37%, or 15% excluding the royalty benefit, despite a 7% decline in inquiries.
Emerging Verticals revenues rose 9% to $353.9 million. Insurance delivered its eighth consecutive quarter of double-digit growth, while technology, retail and e-commerce produced high-single-digit growth.
Consumer Interactive revenues declined 3% to $142.5 million. Growth through indirect channels was offset by continued weakness in the direct-to-consumer business.
TransUnion's International Growth AcceleratesInternational revenues increased 27% to $320.8 million, including the contribution from Trans Union de Mexico. On an organic constant-currency basis, growth accelerated to 6% from flat performance in the first quarter.
Canada revenues rose 10% to $46.4 million, supported by financial services, fintech and insurance demand. The United Kingdom revenues increased 9% to $73.5 million, benefiting from market-share gains and new business across banking and fintech.
India revenues returned to growth, rising 8% on a constant-currency basis, as credit volumes improved and new client wins strengthened. Latin America grew 5% organically, while Africa advanced 5%. Asia Pacific declined 7%, although management expects the region to return to growth in the second half.
Trans Union de Mexico continued to perform ahead of the company’s acquisition assumptions. Management plans to expand its data coverage, introduce TruIQ analytics and eventually migrate the business to the OneTru platform.
TRU's Margin Picture Reflects Royalty DragAdjusted EBITDA increased 12% to $456.1 million. The adjusted EBITDA margin contracted 90 basis points to 34.8%, with management attributing the decline entirely to FICO mortgage royalties.
U.S. Markets adjusted EBITDA rose 7% to $361 million, while its margin declined to 36.4% from 37.9%. International adjusted EBITDA increased 27% to $136.8 million, while its margin held steady at 42.7%.
GAAP net income attributable to TransUnion increased to $143.4 million from $109.6 million. Diluted GAAP earnings were 74 cents per share, up from 56 cents in the prior-year quarter.
TransUnion's Cash Flow Supports BuybacksTransUnion ended June with $839.1 million in cash and cash equivalents and $5.59 billion in total debt. Its leverage ratio declined to 2.6X, supported by adjusted EBITDA growth.
Cash provided by operating activities totaled $459.1 million in the first six months of 2026, up from $343.8 million a year earlier. Capital expenditures decreased to $134.4 million from $145.4 million.
The company repurchased roughly $150 million of shares through July, including 2.1 million shares at an average price of about $71. Management expects second-half repurchases to be at least comparable to the first-half pace while continuing to target leverage below 2.5X.
TRU’s Q3 & 2026 OutlookFor the third quarter, TransUnion expects revenues to be between $1.292 billion and $1.310 billion, representing reported growth of 11-12%. The Zacks Consensus Estimate for the same is pegged at $1.31 billion. Organic constant-currency growth is projected at 6-8%.
TRU guided its third-quarter 2026 adjusted earnings to be between $1.18 and $1.21 per share, with the midpoint of $1.195 per share being lower than the Zacks Consensus Estimate of $1.23 per share. Adjusted EBITDA is anticipated to be between $455 million and $463 million, with a margin of 35.2-35.4%.
For 2026, the company raised its revenue outlook to $5.127-$5.162 billion, implying growth of 12-13%. The midpoint of the guided range ($5.145 billion) is marginally higher than the Zacks Consensus Estimate of $5.14 billion. Organic constant-currency growth remains projected at 8-9%.
Adjusted EBITDA is expected between $1.807 billion and $1.827 billion. Adjusted earnings guidance increased to $4.75-$4.83 per share from the earlier range of $4.68-$4.75, reflecting stronger first-half execution and improved contributions from Mexico. The Zacks Consensus Estimate for the same is pegged at $4.75 per share.
TransUnion currently carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
Recent Earnings SnapshotsWEX Inc. (WEX - Free Report) reported better-than-expected second-quarter 2026 results. WEX’s adjusted earnings of $5.35 per share outpaced the Zacks Consensus Estimate by 5.3% and increased 35.4% from the year-ago quarter. WEX’s revenues of $753.5 million topped the consensus estimate by 1.8% and improved 14.2% year over year.
Waste Connections, Inc. (WCN - Free Report) posted impressive second-quarter 2026 results. WCN’s adjusted earnings of $1.50 per share outpaced the consensus mark by 11.1% and rose 16.3% from the year-ago quarter. WCN’s total revenues of $2.56 billion surpassed the consensus mark by 1.1% and increased 6.4% year over year.
TransUnion (TRU) ve 2. čtvrtletí vykázal zisk na akcii 1,23 USD a tržby 1,31 miliardy USD, obojí nad odhady. Zisk na akcii překonal konsenzus o 7,90 %.
TransUnion (TRU - Free Report) came out with quarterly earnings of $1.23 per share, beating the Zacks Consensus Estimate of $1.14 per share. This compares to earnings of $1.08 per share a year ago. These figures are adjusted for non-recurring items.
This quarterly report represents an earnings surprise of +7.90%. A quarter ago, it was expected that this credit reporting company would post earnings of $1.11 per share when it actually produced earnings of $1.18, delivering a surprise of +6.31%.
Over the last four quarters, the company has surpassed consensus EPS estimates four times.
TransUnion, which belongs to the Zacks Business - Information Services industry, posted revenues of $1.31 billion for the quarter ended June 2026, surpassing the Zacks Consensus Estimate by 1.73%. This compares to year-ago revenues of $1.14 billion. The company has topped consensus revenue estimates four times over the last four quarters.
The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call.
TransUnion shares have lost about 9.9% since the beginning of the year versus the S&P 500's gain of 8.3%.
What's Next for TransUnion?While TransUnion has underperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock?
There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately.
Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions.
Ahead of this earnings release, the estimate revisions trend for TransUnion was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here.
It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $1.23 on $1.31 billion in revenues for the coming quarter and $4.75 on $5.14 billion in revenues for the current fiscal year.
Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Business - Information Services is currently in the top 21% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1.
Another stock from the same industry, Onterris (ONT - Free Report) , has yet to report results for the quarter ended June 2026. The results are expected to be released on August 5.
This company is expected to post quarterly earnings of $0.39 per share in its upcoming report, which represents a year-over-year change of -38.1%. The consensus EPS estimate for the quarter has been revised 2.2% lower over the last 30 days to the current level.
Onterris' revenues are expected to be $198.78 million, down 15.3% from the year-ago quarter.
Dimensional Fund Advisors LP v 1. čtvrtletí zvýšil podíl ve společnosti TransUnion o 20,4 % na 2 498 573 akcií. Firma zároveň oznámila EPS 1,18 USD a výnosy 1,25 mld. USD, obojí nad odhady.
Dimensional Fund Advisors LP lifted its stake in shares of TransUnion (NYSE:TRU – Free Report) by 20.4% in the first quarter, according to the company in its most recent disclosure with the SEC. The institutional investor owned 2,498,573 shares of the business services provider’s stock after buying an additional 423,286 shares during the quarter. Dimensional Fund Advisors LP owned approximately 1.30% of TransUnion worth $172,843,000 at the end of the most recent reporting period.
Other large investors have also recently made changes to their positions in the company. Dodge & Cox purchased a new position in TransUnion in the fourth quarter worth approximately $843,952,000. Independent Franchise Partners LLP increased its position in shares of TransUnion by 99.7% in the 4th quarter. Independent Franchise Partners LLP now owns 9,136,903 shares of the business services provider’s stock valued at $783,489,000 after purchasing an additional 4,561,619 shares during the last quarter. State Street Corp increased its position in shares of TransUnion by 0.7% in the 4th quarter. State Street Corp now owns 6,832,003 shares of the business services provider’s stock valued at $585,844,000 after purchasing an additional 50,232 shares during the last quarter. Van ECK Associates Corp raised its holdings in shares of TransUnion by 7.0% in the 4th quarter. Van ECK Associates Corp now owns 4,932,203 shares of the business services provider’s stock valued at $422,936,000 after purchasing an additional 323,149 shares in the last quarter. Finally, Bessemer Group Inc. raised its holdings in shares of TransUnion by 5.8% in the 4th quarter. Bessemer Group Inc. now owns 3,768,902 shares of the business services provider’s stock valued at $323,185,000 after purchasing an additional 205,449 shares in the last quarter.
Analyst Upgrades and Downgrades A number of equities analysts recently commented on the stock. UBS Group boosted their target price on shares of TransUnion from $72.00 to $77.00 and gave the stock a “neutral” rating in a research note on Thursday, July 2nd. Robert W. Baird set a $108.00 price target on TransUnion in a research note on Wednesday, April 29th. Weiss Ratings upgraded TransUnion from a “hold (c-)” rating to a “hold (c)” rating in a research note on Thursday, July 16th. JPMorgan Chase & Co. decreased their price target on TransUnion from $95.00 to $90.00 and set an “overweight” rating for the company in a report on Wednesday, April 29th. Finally, Mizuho lowered their price objective on TransUnion from $88.00 to $77.00 and set a “neutral” rating for the company in a research report on Thursday, July 2nd. One research analyst has rated the stock with a Strong Buy rating, seven have given a Buy rating and six have issued a Hold rating to the stock. According to data from MarketBeat, TransUnion presently has a consensus rating of “Moderate Buy” and a consensus price target of $91.60.
Read Our Latest Stock Report on TRU
Insider Activity at TransUnion In other news, insider Steven M. Chaouki sold 10,000 shares of the business’s stock in a transaction dated Wednesday, July 1st. The stock was sold at an average price of $72.64, for a total value of $726,400.00. Following the completion of the sale, the insider directly owned 89,906 shares of the company’s stock, valued at approximately $6,530,771.84. The trade was a 10.01% decrease in their position. The transaction was disclosed in a document filed with the Securities & Exchange Commission, which is accessible through this link. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Also, EVP Heather J. Russell sold 6,683 shares of the business’s stock in a transaction dated Friday, May 29th. The shares were sold at an average price of $71.87, for a total value of $480,307.21. Following the completion of the sale, the executive vice president directly owned 45,248 shares of the company’s stock, valued at $3,251,973.76. The trade was a 12.87% decrease in their ownership of the stock. The disclosure for this sale is available in the SEC filing. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Over the last three months, insiders have sold 30,155 shares of company stock worth $2,177,102. Insiders own 0.37% of the company’s stock.
TransUnion Stock Up 3.6% Shares of NYSE:TRU opened at $76.50 on Friday. The company has a market capitalization of $14.75 billion, a PE ratio of 21.19, a P/E/G ratio of 1.37 and a beta of 1.55. The company has a current ratio of 1.93, a quick ratio of 1.93 and a debt-to-equity ratio of 1.10. TransUnion has a twelve month low of $63.37 and a twelve month high of $99.39. The firm has a 50 day simple moving average of $71.88 and a 200-day simple moving average of $73.76.
TransUnion (NYSE:TRU – Get Free Report) last issued its earnings results on Tuesday, April 28th. The business services provider reported $1.18 earnings per share (EPS) for the quarter, beating the consensus estimate of $1.11 by $0.07. The business had revenue of $1.25 billion during the quarter, compared to analysts’ expectations of $1.21 billion. TransUnion had a net margin of 14.91% and a return on equity of 16.09%. The company’s revenue for the quarter was up 13.7% on a year-over-year basis. During the same quarter in the prior year, the business posted $1.05 EPS. TransUnion has set its Q2 2026 guidance at 1.130-1.150 EPS. On average, equities analysts predict that TransUnion will post 4.14 EPS for the current fiscal year.
TransUnion Dividend Announcement The business also recently disclosed a quarterly dividend, which was paid on Thursday, June 11th. Shareholders of record on Wednesday, May 27th were paid a $0.125 dividend. This represents a $0.50 annualized dividend and a yield of 0.7%. The ex-dividend date was Wednesday, May 27th. TransUnion’s dividend payout ratio is currently 13.85%.
TransUnion Profile (Free Report)
TransUnion is a global information and insights company that helps businesses and consumers make critical decisions using data and analytics. As one of the three major credit bureaus in the United States, TransUnion collects and aggregates credit information on individuals and businesses, providing credit reports, risk scores and portfolio management tools to financial institutions, lenders, landlords and other decision makers. Its consumer-facing products enable individuals to monitor credit status, detect identity theft and access personalized financial insights.
The company’s offerings span credit risk assessment, identity management, fraud prevention and marketing solutions.
Read More Five stocks we like better than TransUnion Telecom Earnings Reveal a Sector That Finally Looks Healthier Defense Earnings Show Readiness Now and Modernization Ahead Why Palantir Investors Aren’t Panicking While the Rest of AI Sells Off MarketBeat Week in Review – 07/20- 07/24 Want to see what other hedge funds are holding TRU? Visit HoldingsChannel.com to get the latest 13F filings and insider trades for TransUnion (NYSE:TRU – Free Report).
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TransUnion uvedla, že ztráty z podvodů v autoúvěrech výrazně rostou, i když počet incidentů klesá. U first-party fraud vzrostly mezi 3. čtvrtletím 2018 a 3. čtvrtletím 2025 z 88 mil. USD na 323 mil. USD.
CHICAGO, July 23, 2026 (GLOBE NEWSWIRE) -- TransUnion (NYSE: TRU) today released new research revealing that despite a decline in incidents across many fraud types, fraud losses in auto lending have increased significantly in recent years. The findings point to a fraud environment impacting dealerships and auto lenders where fewer events drive greater financial losses. Today’s fraudsters have evolved to concentrate on higher-value opportunities throughout the lending lifecycle, especially as new and used vehicle prices reach heightened levels.
Auto lenders are facing substantially higher fraud-related losses across multiple fraud categories. Between Q3 2018 and Q3 2025, losses tied to first-party, third-party and synthetic fraud increased significantly. First-party fraud, which occurs when an individual deliberately provides false information or misrepresents themselves to obtain goods, services or credit, experienced the largest increase. It saw estimated losses rising from $88 million to $323 million—an increase of approximately 267% over the period.
Gaps in fraud detection, especially resolving identities, open the door to large charge-off losses by lenders and dealerships that most often are not found out until weeks or months later and are not recoverable.
“Fraudsters are becoming increasingly targeted and efficient,” said Satyan Merchant, senior vice president and automotive and mortgage business leader at TransUnion. “While fraud volume remains an important indicator of risk, we are seeing criminals drive significantly higher losses through fewer, more strategic attacks by targeting high-value opportunities and exploiting vulnerabilities across the lending lifecycle. For lenders, effectively managing fraud risk requires a comprehensive view of both frequency and financial impact—not only how often fraud occurs, but also the severity of each incident and its potential effect on the business.”
Auto Lending Fraud Losses Saw Significant Growth Across Multiple Fraud Segments
Fraud TypeQ3 2018Q3 2025First-party Fraud$88 million$323 millionThird-party Fraud$18 million$47 millionSynthetic Fraud$93 million$208 millionSource: TransUnion US consumer credit database
Third-party fraud, which involves the use of another person’s identity without their knowledge or consent, is a clear example of the divergent trends of incidences and losses. In auto lending, the incidence rate in Q3 2025 was less than half its Q3 2018 level, yet associated losses were 2.6 times higher. Similar trends were observed for other types of fraud. These gaps show how fraudsters are becoming more strategic and executing fewer schemes while targeting larger loan balances and generating greater losses.
Though less common, third-party fraud can produce substantial losses due to the high balances associated with fraudulent auto loans. Some of the largest losses occur among traditionally lower-risk, higher-credit tiers, where fraud incidence is lower, but loss severity is significantly higher.
A Growing Threat: Credit Washing and Hidden Credit Risk
Beyond traditional fraud activity, lenders are also confronting emerging forms of identity and credit manipulation that can mask underlying risk. Credit washing, in particular, is creating new challenges by artificially enhancing the creditworthiness of some borrowers.
Credit washing conceals critical risk signals and undermines the accuracy of credit-based decisioning. Consumers with suppressed negative tradelines can exhibit risk levels similar to much lower credit tiers despite appearing prime or above prime at origination. In some cases, they are several times more likely to experience early charge-off in the 12 months following origination than borrowers without suppressed credit events.
Charge-off Increases Among Credit Washers Across All Risk Tiers
Credit Risk Tier at OriginationSubsequent Percentage Charge-Off in 12 Months Post Auto
OriginationCredit WasherOther ConsumersSubprime14.8%
10.3%
Near prime6.7%
3.6%
Prime5.6%
1.2%
Prime plus4.8%
0.4%
Super prime3.6%
0.1%
Source: TransUnion US consumer credit database
Data observation period: 2024 originations sample set
“Credit washing is one of the more concerning emerging trends because it fundamentally distorts how lenders assess risk,” said Naureen Ali, U.S. head of fraud at TransUnion. “When negative credit information is removed or suppressed, consumers can appear more creditworthy than they really are, leading to a higher likelihood of early default.”
In 2025, roughly 5% of U.S. consumers have had charged-off accounts suppressed for atypical reasons, with an estimated $10 billion in debt erased from credit reports, creating disproportionate risk and decisioning blind spots. These findings reinforce the need for lenders to look beyond traditional credit attributes and incorporate deeper identity intelligence into their processes.
Ali continued, “The goal of fraud solutions like TransUnion's suite of fraud solutions is to help lenders and dealers uncover and identify hidden risks. Whether it is credit washing or identity-based fraud, by combining identity verification and linkage analytics, synthetic ID detection, and anomalies on the credit file, TransUnion can help lenders uncover those hidden risks earlier and allow lenders to make more informed lending decisions.”
To learn more about TransUnion’s fraud solutions and how they can help auto lenders uncover identity-related risks, detect fraud earlier and make more informed lending decisions throughout the account lifecycle, please click here.
About TransUnion (NYSE: TRU)
TransUnion is a global information and insights company with over 13,000 associates operating in more than 30 countries. We make trust possible by ensuring each person is reliably represented in the marketplace. We do this with a Tru™ picture of each person: an actionable view of consumers, stewarded with care. Through our acquisitions and technology investments, we have developed innovative solutions that extend beyond our strong foundation in core credit into areas such as marketing, fraud, risk and advanced analytics. As a result, consumers and businesses can transact with confidence and achieve great things. We call this Information for Good® — and it leads to economic opportunity, great experiences and personal empowerment for millions of people around the world.
TransUnion rozšířil hypoteční úvěrový report o TruVision™ Alternative Credit Attributes (ACA 2.0) z FactorTrust® Alternative Lending Database, které dávají věřitelům dřívější pohled na stabilitu a záměr žadatelů. Nová data jsou dostupná bez dodatečných nákladů.
CHICAGO, July 16, 2026 (GLOBE NEWSWIRE) -- TransUnion (NYSE: TRU) today announced an enhancement to its mortgage credit report, with the addition of TruVision™ Alternative Credit Attributes (ACA 2.0) from its FactorTrust® Alternative Lending Database to expand lenders’ visibility beyond traditional credit data.
The new alternative credit attributes give lenders earlier insight into borrower stability and intent, enabling them to prioritize high-potential applicants earlier in the funnel, streamline workflows and focus resources on loans more likely to convert. Applied as early as the prequalification stage, the data helps reduce risk sooner in the decisioning process. It also supports more consistent underwriting and enables competitive pricing for qualified borrowers.
By layering alternative financial signals alongside traditional credit data, the new ACA 2.0 attributes deepen mortgage risk assessments and provide greater visibility into the consumer’s full wallet. Moreover, these enhanced insights are delivered at no additional cost, enabling lenders to improve decision quality without increasing underwriting expense.
“This enhancement reflects our continued focus on giving mortgage lenders a more complete and actionable view of borrower behavior,” said Satyan Merchant, senior vice president and mortgage and automotive business leader at TransUnion. “By bringing richer credit insight earlier into the process, lenders can make more confident decisions, reduce unnecessary risk and concentrate their efforts on applicants most likely to convert—ultimately enabling more efficient access to credit for qualified consumers.”
Continuing a History of Mortgage Lending Innovation
This latest enhancement to the mortgage credit report builds on TransUnion’s legacy of innovation that helps lenders better assess consumer creditworthiness. These include:
Trended Credit Data: In 2013, TransUnion introduced first-to-market trended credit data, shifting underwriting away from a single point-in-time snapshot toward a more dynamic view of borrower behavior. This helps reshape risk assessment, segmentation and approaches to fairer pricing.TruVision Early Access Soft Check: This solution delivers comprehensive credit insights without a hard inquiry, enabling smarter prequalification decisions. It brings rich TransUnion data earlier into the mortgage process, improving operational efficiency and transparency for both lenders and borrowers. “TransUnion continues to expand credit insight through our risk solutions,” said Mohamed Abdelsadek, Chief Global Solutions Officer, TransUnion. “Combined with TruVision™ Alternative Credit Attributes, these innovations give lenders greater confidence and a more complete, dynamic view of consumer financial behavior.”
To learn more about TransUnion Mortgage Industry Solutions that help lenders make smarter, more confident marketing, customer acquisition and lending decisions, click here.
About TransUnion (NYSE: TRU)
TransUnion is a global information and insights company with over 13,000 associates operating in more than 30 countries. We make trust possible by ensuring each person is reliably represented in the marketplace. We do this with a Tru™ picture of each person: an actionable view of consumers, stewarded with care. Through our acquisitions and technology investments we have developed innovative solutions that extend beyond our strong foundation in core credit into areas such as marketing, fraud, risk and advanced analytics. As a result, consumers and businesses can transact with confidence and achieve great things. We call this Information for Good® — and it leads to economic opportunity, great experiences and personal empowerment for millions of people around the world.
TransUnion v 1. čtvrtletí vykázal meziroční růst tržeb o 14 % a těží z poptávky po analytice velkých dat. Firma zároveň rozšiřuje nabídku v oblasti AI a dokončila akvizice.
Key Takeaways TransUnion is benefiting from demand for big data analytics and reported 14% first-quarter revenue growth.TRU expanded AI offerings & completed acquisitions to strengthen analytics, fraud & messaging capabilities.TransUnion's solid liquidity supports flexibility, while debt and competition continue to pose challenges. Shares of TransUnion (TRU - Free Report) have had a decent run over the past month. The stock has risen 9.7% compared with the industry’s 1.8% growth. The Zacks S&P 500 composite barely moved during the said time frame.
TRU’s second-quarter 2026 earnings are expected to be up 5.6% year over year. Earnings for 2026 and 2027 are projected to rise 10.5% and 16.9% year over year, respectively. Revenues are expected to increase 12.4% in 2026 and 128.3% in 2027.
Factors That Bode Well for TRUTransUnion, a leading global provider of risk and information solutions to businesses and consumers, benefits from the fast-growing big data and analytics market, driven by the strong demand for data-backed business insights and reports by organizations. This increasing pace of harnessing data for business insights and decision-making enables TRU to leverage advanced technology to enhance its analytics capabilities and expand its database. The company reported first-quarter 2026 revenue growth of 14% year over year on a reported basis and 11% organically in constant currency.
TRU’s artificial intelligence (AI)-powered innovative solutions also play a key role in its overall growth. The company is expanding its next-gen AI-powered product portfolio to support long-term sustainability.
It recently introduced TruIQ Analytics Orchestrator, which utilizes Google's Gemini models to streamline advanced credit modeling through natural language prompts, enhanced its AI-powered marketing audience solutions that transform static customer segments into dynamic, value-driven audiences and upgraded its AI-powered fraud model factory, which is capable of launching new fraud detection models two to three times faster. These innovations and technological advancements are expected to improve scalability and reduce operational costs.
TRU’s disciplined buyout strategy is strengthening its outlook. Recently, the company completed the acquisition of TransUnion Mexico, allowing it to enter the attractive Mexican credit market and further supporting its market expansion and portfolio diversification. The acquisition of RealNetworks’ Mobile division boosts its messaging capabilities, which complement its trusted call solutions business.
The company’s current ratio (a measure of liquidity) was 1.93 at the end of the first quarter of 2026, higher than the industry average of 1.01. A current ratio of more than 1 often indicates that the company is well-positioned to pay off its short-term obligations.
Risks to WatchPast acquisitions and aggressive expansion have burdened TransUnion with substantial debt. Although the debt has fueled the company's growth. It has also increased operating costs and limited future opportunities.
Global business information service providers operate in a fiercely competitive landscape. TRU faces heightened competition from firms like Equifax, Experian and LexisNexis across sectors. This competition fuels innovation across the industry while driving pricing pressures. Ongoing technology investments increase the challenge of maintaining profitability while competing for growth.
TransUnion currently carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
Stocks to ConsiderA couple of better-ranked stocks in the broader Zacks Business Services sector are Veralto Corporation (VLTO - Free Report) and Corpay, Inc. (CPAY - Free Report) .
Veralto Corporation carries a Zacks Rank #2 (Buy) at present. It has a long-term earnings growth expectation of 8.4%. VLTO delivered a trailing four-quarter earnings surprise of 4.9% on average.
Corpay, Inc. also holds a Zacks Rank of 2 at present. It has a long-term earnings growth expectation of 14.3%. CPAY's earnings beat estimates in three of the last four quarters and matched once, with the surprise being 2% on average.
