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.
