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.
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 has introduced new solutions designed to help organizations combat synthetic identity fraud and credit washing. The company says its Credit Washing and Synthetic Fraud Scores, announced Tuesday (Oct.
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.
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.
CHICAGO, Oct. 19, 2026 (GLOBE NEWSWIRE) -- TransUnion’s TruAudience® Marketing Solutions campaign, Bring Clarity to Chaos: How TransUnion Turned Mindshare Into Market Share, has won a 2026 MediaPost OMMA Award in the “Technology: Hardware or Web Services” category. The win follows the campaign’s recent recognition as a 2026 AdExchanger Awards finalist in the “Most Innovative Marketing Campaign” category. The campaign was also named a finalist in this year’s Digiday Awards in the “Best Branding Campaign B2B” category.
TransUnion’s winning campaign brought its promise of clarity in a fragmented marketing landscape to life through a connected brand experience. That narrative carried across Connected TV, online video, social, podcasts, trade media and digital out-of-home. It also extended to major industry events, including Cannes Lions, CES and Advertising Week. Designed with B2B buying committees in mind, the campaign reached decision-makers in the settings where marketing professionals form their impressions of potential partners.
“Our solutions exists to help marketers bring order to a fragmented landscape, and we wanted our own marketing to demonstrate that same discipline,” said Brian Silver, EVP of Global Marketing Solutions at TransUnion. “This recognition from the OMMA Awards reflects a team that treated every channel and every industry moment as part of one coordinated story for the buying committee.”
TransUnion marketing solutions unite identity, data, audience and measurement capabilities in a single offering, giving advertisers and media companies a way to understand their customers, identify the audiences most worth reaching and see how their marketing investments perform across channels. Leveraging identity data that covers more than 98% of U.S. consumers, TransUnion helps brands connect otherwise scattered signals into a fuller picture of each customer, uncover insights they can act on, create more relevant experiences and validate their spending against business outcomes, all within privacy-centric data standards.
Learn more about TruAudience and how TransUnion helps marketers turn audience intelligence into measurable business outcomes 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 – 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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First Citizens Bank & Trust Co. acquired a new stake in TransUnion (NYSE:TRU – Free Report) during the 3rd quarter, according to its most recent filing with the Securities and Exchange Commission (SEC). The firm acquired 11,598 shares of the business services provider’s stock, valued at approximately $709,000.
Other hedge funds and other institutional investors have also recently bought and sold shares of the company. Essential Partners LLC increased its holdings in shares of TransUnion by 63.7% in the 1st quarter. Essential Partners LLC now owns 609 shares of the business services provider’s stock valued at $42,000 after acquiring an additional 237 shares during the last quarter. CX Institutional grew its stake in shares of TransUnion by 263.0% in the 2nd quarter. CX Institutional now owns 668 shares of the business services provider’s stock valued at $48,000 after purchasing an additional 484 shares during the last quarter. Global Retirement Partners LLC purchased a new position in TransUnion in the 2nd quarter valued at $53,000. State of Wyoming acquired a new position in shares of TransUnion during the second quarter worth about $70,000. Finally, Parallel Advisors LLC raised its stake in shares of TransUnion by 26.7% during the 1st quarter. Parallel Advisors LLC now owns 1,050 shares of the business services provider’s stock worth $73,000 after buying an additional 221 shares in the last quarter.
Insider Buying and Selling at TransUnion In related news, EVP Venkat Achanta sold 23,287 shares of the company’s stock in a transaction on Thursday, September 10th. The stock was 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 directly owned 196,912 shares in the company, valued at approximately $15,162,224. This represents a 10.58% decrease in their ownership of the stock. The transaction was disclosed in a document filed with the SEC, which can be accessed through the SEC website. Also, insider Steven M. Chaouki sold 1,000 shares of the company’s stock in a transaction on Thursday, October 15th. The shares were sold at an average price of $70.00, for a total value of $70,000.00. Following the completion of the transaction, the insider owned 78,888 shares of the company’s stock, valued at $5,522,160. The trade was a 1.25% decrease in their ownership of the stock. The SEC filing for this sale provides additional information. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Over the last ninety days, insiders have sold 63,975 shares of company stock valued at $5,132,870. 0.37% of the stock is currently owned by insiders.
TransUnion Stock Performance NYSE:TRU opened at $74.18 on Friday. The firm has a 50 day simple moving average of $75.11 and a 200-day simple moving average of $73.41. The company has a debt-to-equity ratio of 1.07, a current ratio of 1.90 and a quick ratio of 1.90. The firm has a market cap of $14.21 billion, a PE ratio of 18.62, a P/E/G ratio of 1.26 and a beta of 1.58. TransUnion has a 1-year low of $60.96 and a 1-year high of $89.12. TransUnion (NYSE:TRU – Get Free Report) last announced its quarterly earnings data on Tuesday, July 28th. The business services provider reported $1.23 earnings per share (EPS) for the quarter, beating the consensus estimate of $1.16 by $0.07. TransUnion had a net margin of 15.08% and a return on equity of 16.29%. The business had revenue of $1.31 billion for the quarter, compared to the consensus estimate of $1.28 billion. During the same quarter in the prior year, the firm posted $1.08 earnings per share. The company’s quarterly revenue was up 14.9% compared to the same quarter last year. 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 analysts expect that TransUnion will post 4.24 EPS for the current year.
TransUnion Announces Dividend 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 dividend of $0.1250 per share. This represents a $0.50 dividend on an annualized basis and a dividend yield of 0.7%. The ex-dividend date of this dividend was Thursday, August 20th. TransUnion’s dividend payout ratio is currently 13.19%.
Analyst Ratings Changes A number of equities research analysts have recently issued reports on TRU shares. Robert W. Baird lifted their price target on shares of TransUnion from $108.00 to $115.00 and gave the company an “outperform” rating in a research report on Wednesday, July 29th. Barclays decreased their price objective on shares of TransUnion from $85.00 to $70.00 and set an “equal weight” rating on the stock in a research report on Friday, October 2nd. Griffin Securities set a $98.00 price objective on shares of TransUnion in a research report on Wednesday, July 29th. Mizuho lowered their price objective on shares of TransUnion from $88.00 to $77.00 and set a “neutral” rating on the stock in a research note on Thursday, July 2nd. Finally, BMO Capital Markets raised their target price on shares of TransUnion from $85.00 to $98.00 and gave the company an “outperform” rating in a report on Wednesday, July 29th. Ten research analysts have rated the stock with a Buy rating and six have issued a Hold rating to the company’s stock. According to data from MarketBeat.com, the company has an average rating of “Moderate Buy” and an average price target of $91.19.
Check Out Our Latest Stock 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 about credit, risk, identity and financial opportunity. The company collects, analyzes and delivers data through technology platforms, analytics and decision-support tools.
Its products and services include consumer credit reporting, credit-risk assessment, fraud detection, identity verification, marketing and audience insights, debt recovery solutions, and investigative services.
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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.
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.
CHICAGO, Oct. 01, 2026 (GLOBE NEWSWIRE) -- TransUnion (NYSE: TRU) will publish its financial results for the third quarter ended September 30, 2026, in a press release to be issued at approximately 6:00 a.m. Central Time (CT) on Tuesday, October 27, 2026. The company will hold a conference call on the same day at 8:30 a.m. (CT) to discuss its financial results. The press release and a live webcast of the earnings conference call will be available on the TransUnion Investor Relations website at http://www.transunion.com/tru.
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, 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.
Accomplished executive to lead strategy and corporate development function driving TransUnion’s next chapter of global growth and innovation | Source: TransUnion
CHICAGO, Sept. 28, 2026 (GLOBE NEWSWIRE) -- Malte Bernholz will join TransUnion (NYSE: TRU) as Executive Vice President, Chief Strategy and Corporate Development Officer, effective today.
In this newly created role, Bernholz will lead TransUnion’s Enterprise Strategy and Corporate Development function, aligning the organization around a long-term strategy to drive global innovation and scale. He will report to TransUnion President and Chief Executive Officer Chris Cartwright and serve on the executive leadership team.
“TransUnion is expanding how we use data, analytics and technology to drive growth from our broader range of solutions across markets globally, building up our leadership in Credit,” said Cartwright. “I’m confident Malte will strengthen our ability to shape strategy, execute enterprise change, monetize our assets and acquire new capabilities.”
Bernholz will join TransUnion with significant experience leading corporate strategy, M&A and large-scale organizational transformation across global software businesses, private equity investments, and top-tier consulting. Most recently at Adobe, he oversaw enterprise-wide growth strategy across the company's creativity, productivity and customer experience businesses, and founded and scaled its new product incubator. Prior to Adobe, he served as Vice President of Corporate Strategy Consulting at EMC, as well as Chief Operating Officer at iVize and a consultant at McKinsey & Company. He earned an M.S. from Institut Polytechnique de Grenoble.
"Driving growth in the era of agentic AI requires every organization to develop strategy, plan and execute differently to meet customer needs," said Bernholz. "I'm excited to join TransUnion at the most innovative point in its history and accelerate how we scale that innovation around the world."
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.
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.
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Stock to Watch: TransUnion (TRU - Free Report) Headquartered in Chicago, IL, TransUnion is one of the leading global providers of risk and information solutions to businesses and consumers. The company provides consumer reports, risk scores, analytical services and decision-making capabilities to businesses. What sets TransUnion apart are its distinctive and comprehensive datasets, next-generation technology and analytics and decision-making capabilities, which enable it to deliver insights across the complete consumer lifecycle. TransUnion has domain expertise across key industry verticals, including insurance, healthcare and financial services. It also serves verticals such as wireless, real estate and general commercial and business information. Its combination of nationwide consumer credit data and comprehensive public records data helps customers predict behavior, assess risk and address a broader set of business issues. The company has also expanded into fraud, marketing, communications and advanced analytics solutions.
TRU is a #3 (Hold) on the Zacks Rank, with a VGM Score of A.
Additionally, the company could be a top pick for growth investors. TRU has a Growth Style Score of B, forecasting year-over-year earnings growth of 12.6% for the current fiscal year.
For fiscal 2026, six analysts revised their earnings estimate upwards in the last 60 days, and the Zacks Consensus Estimate has increased $0.07 to $4.84 per share. TRU boasts an average earnings surprise of +6%.
With a solid Zacks Rank and top-tier Growth and VGM Style Scores, TRU should be on investors' short list.
Corient Private Wealth LP trimmed its position in shares of TransUnion (NYSE:TRU – Free Report) by 20.4% during the second quarter, according to its most recent disclosure with the Securities and Exchange Commission. The institutional investor owned 103,242 shares of the business services provider’s stock after selling 26,515 shares during the quarter. Corient Private Wealth LP owned approximately 0.05% of TransUnion worth $7,448,000 as of its most recent SEC filing.
Several other hedge funds and other institutional investors also recently made changes to their positions in the company. BlackRock Inc. acquired a new stake in TransUnion in the second quarter valued at $1,367,560,000. Independent Franchise Partners LLP raised its position in 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 worth $783,489,000 after purchasing an additional 4,561,619 shares during the last quarter. Van ECK Associates Corp lifted its holdings in TransUnion by 7.0% during the 4th quarter. Van ECK Associates Corp now owns 4,932,203 shares of the business services provider’s stock worth $422,936,000 after buying an additional 323,149 shares during the period. Geode Capital Management LLC grew its position in shares of TransUnion by 0.7% in the 4th quarter. Geode Capital Management LLC now owns 3,520,417 shares of the business services provider’s stock valued at $301,012,000 after buying an additional 24,297 shares during the last quarter. Finally, Jupiter Topco LLC bought a new position in shares of TransUnion during the second quarter worth about $280,292,000.
Wall Street Analysts Forecast Growth A number of research firms have recently commented on TRU. Stifel Nicolaus upped their price objective on shares of TransUnion from $88.00 to $96.00 and gave the company a “buy” rating in a research note on Wednesday, July 29th. BNP Paribas Exane raised shares of TransUnion from a “neutral” rating to an “outperform” rating in a research note on Tuesday, July 28th. BMO Capital Markets boosted their target price on shares of TransUnion from $85.00 to $98.00 and gave the company an “outperform” rating in a report on Wednesday, July 29th. Barclays upped their price target on shares of TransUnion from $80.00 to $85.00 and gave the company an “equal weight” rating in a research report on Wednesday, July 29th. Finally, Robert W. Baird lifted their price objective on TransUnion from $108.00 to $115.00 and gave the stock an “outperform” rating in a research report on Wednesday, July 29th. Ten research analysts have rated the stock with a Buy rating and six have given a Hold rating to the company’s stock. According to data from MarketBeat, the company presently has a consensus rating of “Moderate Buy” and an average target price of $94.38.
Get Our Latest Report on TransUnion Insider Buying and Selling at TransUnion In related news, EVP Mohamed Abdelsadek sold 23,495 shares of the stock in a transaction on Tuesday, July 28th. The stock was sold at an average price of $85.00, for a total value of $1,997,075.00. Following the transaction, the executive vice president directly owned 57,182 shares in the company, valued at $4,860,470. This trade represents a 29.12% decrease in their position. The sale was disclosed in a document filed with the Securities & Exchange Commission, which is available at this link. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Also, insider Steven M. Chaouki sold 10,000 shares of the business’s stock in a transaction on Wednesday, July 1st. The shares were sold at an average price of $72.64, for a total transaction of $726,400.00. Following the sale, the insider owned 89,906 shares of the company’s stock, valued at $6,530,771.84. This trade represents a 10.01% decrease in their position. The SEC filing for this sale provides additional information. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Insiders sold 73,697 shares of company stock worth $5,861,807 in the last quarter. Company insiders own 0.37% of the company’s stock.
TransUnion Stock Down 2.0% Shares of NYSE TRU opened at $73.15 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. The firm has a market cap of $14.01 billion, a PE ratio of 19.30, a P/E/G ratio of 1.23 and a beta of 1.54. The company’s fifty day simple moving average is $79.92 and its 200 day simple moving average is $74.25. TransUnion has a 12-month low of $63.37 and a 12-month high of $94.23.
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 the consensus estimate of $1.16 by $0.07. The firm had revenue of $1.31 billion during 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 business’s revenue was up 14.9% compared to the same quarter last year. During the same period in the previous year, the firm 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, sell-side analysts forecast that TransUnion will post 4.24 earnings per share for the current fiscal year.
TransUnion Announces Dividend The company also recently declared a quarterly dividend, which was paid on Friday, September 4th. Investors of record on Thursday, August 20th were paid a dividend of $0.125 per share. This represents a $0.50 dividend on an annualized basis and a yield of 0.7%. The ex-dividend date of this dividend was Thursday, August 20th. TransUnion’s dividend payout ratio is 13.19%.
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.
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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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TransUnion (TRU) Barclays 24th Annual Global Financial Services Conference September 15, 2026 11:15 AM EDT
Company Participants
Christopher Cartwright - President, CEO & Director
Conference Call Participants
Manav Patnaik - Barclays Bank PLC, Research Division
Presentation
Manav Patnaik
Barclays Bank PLC, Research Division
All right. Good morning again. Thank you for being here. I'm happy to have Chris Cartwright from TransUnion, the CEO of TransUnion. So Chris, thank you for your time.
Christopher Cartwright
President, CEO & Director
Always a pleasure.
Question-and-Answer Session
Manav Patnaik
Barclays Bank PLC, Research Division
A lot to talk through. Maybe I'll start a little bit high level just from a macro perspective. You guys have some unique insights into what's going on in the lending environment, the consumer. We've got oil above $100 filling up the car, gas tankers is not cheap, rates above 7%. So just your read to the consumer and how that impacts kind of your current guidance and assessment of your financials.
Christopher Cartwright
President, CEO & Director
Yes, for sure. It's a good place to start. It's a bumpier world than I think we all wish that it was. Look, over the course of the third quarter, we expect that we're well positioned to achieve the guidance that we issued in Q2, even with the upgraded targets that we outlined for the market. As you'll recall, all we really did in the upgrade was to flow through the goodness from overperformance in the second quarter. And then we're also very cautious about not changing our mortgage estimates for the full year because we just felt like the balance of risks was more toward rate increases and some diminished mortgage volume.
So overall, mortgage is our most rate-sensitive product and higher rates are not helpful. But as you know, we're at like historic
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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CHICAGO, Sept. 10, 2026 (GLOBE NEWSWIRE) -- TransUnion (NYSE: TRU) today announced that Chris Cartwright, President and CEO, will present at the Barclays Global Financial Services Conference on Tuesday, September 15, 2026. The presentation is scheduled to begin at 10:15 a.m. CT (11:15 a.m. ET). A live webcast of the presentation will be made available on the TransUnion Investor Relations website at http://www.transunion.com/tru. A replay will also be available on the company’s website following the conclusion of the presentation.
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, Sept. 09, 2026 (GLOBE NEWSWIRE) -- Cyberattacks are becoming more frequent, disruptive and difficult for organizations to remediate quickly. In the past 18 months, 60% of organizations experienced at least one material impact, according to a commissioned study conducted by Forrester Consulting on behalf of TransUnion (NYSE: TRU).
The research, based on a survey of 327 director-level and above decision-makers who influence or make decisions on incident response strategy, found 40% said their organization lacks an end-to-end incident response partner, while 37% said they do not have a comprehensive incident response plan in place. The full findings will be discussed in the upcoming webinar, Close the Incident Response Gap: How to Strengthen Readiness, Recovery and Trust, on September 22.
“The aftermath of a cyberattack is very chaotic and complex, and most businesses cannot adequately prepare for it on their own,” said Matt Cullina, head of TransUnion’s global cyber insurance business, which helps organizations minimize harm and restore consumer confidence. “Having the right partner can help minimize the damage and get businesses back to normal much faster.”
The study found organizations recognize the need for comprehensive support from expert partners. Three in four respondents (76%) indicated that end-to-end incident response readiness and response support are either “very important” or “mission-critical” when selecting a partner.
In addition, more than 70% of respondents said their organization already uses at least one external incident response provider. However, only 46% said their current provider delivers that capability very well or extremely well, which explains why 41% plan to reevaluate their external incident response providers in the next 12 months.
One of the biggest barriers to adequate incident response support is the cost of retaining outside expertise, especially for midmarket and below organizations with smaller budgets. The study provides several recommendations for maximizing the investment, including:
Utilize retainer time for proactive readiness preparation. This may include conducting initial readiness assessments and internal first responder training to familiarize team members with their roles and basic protocols.Organize cross-functional incident tabletop exercises and realistic crisis simulations to stress test and refine the incident response team’s capabilities. These should involve executive leadership, legal, communications, operations, and other key stakeholders.Prepare external breach communications to customers, partners and employees in advance of an incident. Involve privacy counsel, public relations and HR to hone messaging and have it approved and ready to deploy. While there will be gaps for details specific to each incident, the core messages communicating diligence in resolving the issue and restoring trust will be the same. After exercises or incidents, update plans and playbooks with lessons learned. Periodically reassess external incident response providers to ensure their capabilities and support remain aligned with evolving risks and business needs. “Incident response should be treated as a continuous readiness cycle, not a one-time plan,” added Cullina. “The organizations best positioned to withstand cyber events are those that test their playbooks, include legal, communications and executive stakeholders in tabletop exercises, and continually reevaluate whether their providers can meet today’s threat environment.”
TransUnion incident response solutions help organizations build readiness and move from uncertainty to action. With over 15 years of industry expertise, TransUnion provides flexible services that coordinate responses, reduce disruptions, and support affected individuals. Click here to learn more.
About the study
In this study, Forrester conducted an online survey of 327 director-level and above decision-makers in the United States who influence or make decisions on their organization’s incident response strategy and partner selection. Respondents represented enterprise and midmarket organizations across energy and utilities, financial services, healthcare, insurance, retail and telecommunications services. The study began in February 2026 and was completed in March 2026.
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
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Stock to Watch: TransUnion (TRU - Free Report) Headquartered in Chicago, IL, TransUnion is one of the leading global providers of risk and information solutions to businesses and consumers. The company provides consumer reports, risk scores, analytical services and decision-making capabilities to businesses. What sets TransUnion apart are its distinctive and comprehensive datasets, next-generation technology and its analytics and decision-making capabilities — which enable it to deliver insights across the complete consumer lifecycle. TransUnion boasts rich domain proficiency across key industry verticals, including insurance, healthcare and financial services. It also caters to verticals like wireless, real estate and general commercial/business information. Possession of both nationwide consumer credit data and comprehensive, diverse public records data, enables the company to better predict behavior, assess risk and address a broader set of business issues for its customers.
TRU is a #3 (Hold) on the Zacks Rank, with a VGM Score of A.
It also boasts a Value Style Score of B thanks to attractive valuation metrics like a forward P/E ratio of 16.49; value investors should take notice.
Six analysts revised their earnings estimate higher in the last 60 days for fiscal 2026, while the Zacks Consensus Estimate has increased $0.07 to $4.84 per share. TRU also boasts an average earnings surprise of +6%.
With a solid Zacks Rank and top-tier Value and VGM Style Scores, TRU should be on investors' short list.
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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CHICAGO, Sept. 01, 2026 (GLOBE NEWSWIRE) -- In a marketing landscape defined by fragmentation and noise, TransUnion (NYSE: TRU) made itself impossible to ignore. The company's TruAudience® Marketing Solutions campaign, Bring Clarity to Chaos: How TransUnion Turned Mindshare Into Market Share, was named a 2026 AdExchanger Awards finalist for "Most Innovative Marketing Campaign."
Finalist recognition reflects the campaign's creative strategy, turning TransUnion's promise of bringing clarity to fragmented marketing ecosystems into a connected, omnichannel brand experience. By mirroring the challenge its solutions solve every day, the campaign transformed fragmented brand interactions into a cohesive narrative across Connected TV, online video, social, podcasts, trade media, digital out-of-home and major industry events, including Cannes Lions, CES and Advertising Week. The approach helped engage modern B2B buying committees wherever marketing decisions are made.
“Enterprise technology decisions are rarely made by one person, so we built our approach around creating familiarity and confidence across the entire buying committee,” said Brian Silver, EVP of Global Marketing Solutions at TransUnion. “This recognition from AdExchanger reflects how our team is rethinking how we build trust and influence in an increasingly fragmented marketing landscape.”
TruAudience brings together TransUnion’s identity, data, audience and measurement capabilities to help advertisers and media companies better understand consumers, reach the right audiences and measure the impact of their marketing investments across channels. Leveraging identity data that covers more than 98% of U.S. consumers, TransUnion helps brands connect fragmented signals to build a more holistic view of their customers, uncover actionable insights, deliver more relevant experiences and validate marketing spend against business outcomes, all while maintaining privacy-centric data standards.
Learn more about TruAudience and how TransUnion helps marketers turn audience intelligence into measurable business outcomes 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.
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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Investors in TransUnion (TRU - Free Report) need to pay close attention to the stock based on moves in the options market lately. That is because the Sept. 18, 2026 $42.50 Put had some of the highest implied volatility of all equity options today.
What is Implied Volatility?Implied volatility shows how much movement the market is expecting in the future. Options with high levels of implied volatility suggest that investors in the underlying stocks are expecting a big move in one direction or the other. It could also mean there is an event coming up soon that may cause a big rally or a huge sell-off. However, implied volatility is only one piece of the puzzle when putting together an options trading strategy.
What do the Analysts Think?Clearly, options traders are pricing in a big move for TransUnion shares, but what is the fundamental picture for the company? Currently, TransUnion is a Zacks Rank #3 (Hold) in the Business - Information Services industry that ranks in the Top 41% of our Zacks Industry Rank. Over the last 60 days, no analysts have increased their earnings estimates for the current quarter, while four analysts have revised their estimates downward. The net effect has taken our Zacks Consensus Estimate for the current quarter from $1.23 per share to $1.21 in that period.
Given the way analysts feel about TransUnion right now, this huge implied volatility could mean there’s a trade developing. Oftentimes, options traders look for options with high levels of implied volatility to sell premium. This is a strategy many seasoned traders use because it captures decay. At expiration, the hope for these traders is that the underlying stock does not move as much as originally expected.
Bank of New York Mellon Corp bought a new stake in shares of TransUnion (NYSE:TRU – Free Report) in the second quarter, according to the company in its most recent Form 13F filing with the Securities and Exchange Commission (SEC). The institutional investor bought 1,256,532 shares of the business services provider’s stock, valued at approximately $90,646,000. Bank of New York Mellon Corp owned about 0.66% of TransUnion at the end of the most recent reporting period.
Several other hedge funds and other institutional investors have also made changes to their positions in the company. Mirabaud Asset Management Ltd lifted its position in shares of TransUnion by 49.3% during the fourth quarter. Mirabaud Asset Management Ltd now owns 76,844 shares of the business services provider’s stock worth $7,221,000 after purchasing an additional 25,381 shares in the last quarter. Wealth High Governance Capital Ltda acquired a new position in shares of TransUnion in the fourth quarter valued at approximately $10,466,000. Financiere des Professionnels Fonds d investissement inc. increased its stake in TransUnion by 18.6% during the 4th quarter. Financiere des Professionnels Fonds d investissement inc. now owns 292,452 shares of the business services provider’s stock worth $25,078,000 after buying an additional 45,840 shares during the period. BNP Paribas Financial Markets lifted its holdings in TransUnion by 280.6% during the 4th quarter. BNP Paribas Financial Markets now owns 269,550 shares of the business services provider’s stock worth $23,114,000 after buying an additional 198,726 shares in the last quarter. Finally, PBCay One RSC Ltd acquired a new stake in TransUnion during the 4th quarter worth approximately $52,131,000.
Wall Street Analysts Forecast Growth TRU has been the subject of a number of recent research reports. UBS Group lifted their price target 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. The Goldman Sachs Group restated a “neutral” rating and issued a $82.00 price objective on shares of TransUnion in a report on Tuesday, July 28th. JPMorgan Chase & Co. decreased their price objective on shares of TransUnion from $95.00 to $90.00 and set an “overweight” rating for the company in a research report on Wednesday, April 29th. BMO Capital Markets boosted their target price on shares of TransUnion from $85.00 to $98.00 and gave the stock an “outperform” rating in a research note on Wednesday, July 29th. Finally, Wells Fargo & Company increased their target price on TransUnion from $90.00 to $102.00 and gave the company 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.com, the company presently has a consensus rating of “Moderate Buy” and a consensus target price of $94.38.
Check Out Our Latest Stock Report on TransUnion Insider Activity In other news, insider Todd C. Skinner sold 1,000 shares of the stock in a transaction dated 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 owned 64,634 shares of the company’s stock, valued at approximately $4,695,013.76. This trade represents a 1.52% decrease in their ownership of the stock. The sale was disclosed in a document filed with the SEC, which is accessible through this hyperlink. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Also, EVP Alicia Brooke Zuiker sold 8,673 shares of the business’s stock in a transaction on Tuesday, August 11th. The shares were sold at an average price of $78.49, for a total transaction of $680,743.77. Following the sale, the executive vice president owned 41,883 shares of the company’s stock, valued at approximately $3,287,396.67. The trade was a 17.16% decrease in their position. The disclosure for this sale is available in the SEC filing. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Insiders sold a total of 58,773 shares of company stock worth $4,615,228 in the last ninety days. 0.37% of the stock is currently owned by company insiders.
TransUnion Stock Performance Shares of TRU stock opened at $84.79 on Tuesday. The stock has a market capitalization of $16.25 billion, a PE ratio of 22.37, a price-to-earnings-growth ratio of 1.39 and a beta of 1.53. TransUnion has a 52-week low of $63.37 and a 52-week high of $95.50. The stock’s 50-day moving average price is $76.64 and its 200 day moving average price is $73.41. 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 quarterly earnings data on Tuesday, July 28th. The business services provider reported $1.23 EPS for the quarter, topping analysts’ consensus estimates of $1.16 by $0.07. TransUnion had a net margin of 15.08% and a return on equity of 16.29%. The firm had revenue of $1.31 billion for the quarter, compared to the consensus estimate of $1.28 billion. During the same quarter in the previous year, the firm earned $1.08 earnings per share. The firm’s revenue 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 research analysts forecast that TransUnion will post 4.24 EPS for the current year.
TransUnion Announces Dividend The business also recently announced a quarterly dividend, which will be paid on Friday, September 4th. Investors of record on Thursday, August 20th will be issued 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 (DPR) is presently 13.19%.
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.
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Growth in new mortgages slowed significantly as affordability pressures persistedMore Canadians fell seriously behind on payments year-over-year, with stress concentrated in Alberta, Saskatchewan and OntarioConsumer insolvency rates rose, driven primarily by non-mortgage holders TORONTO, Aug. 25, 2026 (GLOBE NEWSWIRE) -- Canadian consumer debt hit a record $2.64 trillion in the second quarter of 2026 as debt levels grew faster than the number of Canadians using credit, as existing borrowers carried larger balances than a year earlier, according to TransUnion's Q2 2026 Credit Industry Insights Report (CIIR). Total outstanding balances grew $116.7 billion (+4.6%) year-over-year (YoY), while the number of Canadians with access to credit expanded more modestly to 32.5 million, a 1.1% YoY increase.
Total balance growth in Q2 2026 was highest among consumers at opposite ends of the risk spectrum. Super prime balances grew 6.5% YoY to $1.74 trillion, while subprime balances increased 5.9% YoY to $62.0 billion.
Total Outstanding Credit Balances for All Products in Billions Q2 2025 Q2 2026 YoY Change Super Prime$1,631.8 $1,737.2 6.5% Prime Plus$349.6 $353.9 1.2% Prime$273.1 $273.1 0.0% Near Prime$198.8 $202.2 1.7% Subprime$58.5 $62.0 5.9% Credit limits and borrowing grew nearly at the same pace across all credit tiers. Credit limits for super prime consumers increased 6.4% YoY alongside a 6.5% rise in balances, while subprime consumers saw available credit grow 5.8% alongside a 5.9% balance increase. This suggests lenders continued to extend credit in both segments while borrowing levels remained relatively stable compared to credit limits.
While overall the credit market remained healthy in Q2 2026, the data suggests Canadians are experiencing increasingly different financial realities. Borrowing growth was strongest among consumers with the highest and lowest credit profiles, indicating that while some households expanded borrowing from a position of financial strength, others may have relied more heavily on credit to manage ongoing financial pressures.
Canadians with non-mortgage debt owed an average of $28,118 in Q2 2026, up 7.6% from a year earlier. Balances increased across all major lending product categories, led by auto loans (7.9%), lines of credit (7.4%), personal loans (7.1%) and credit cards (5.1%).
Average non-mortgage balances rose across nearly all credit tiers except subprime. Growth was strongest among prime plus and super prime consumers at approximately 5% YoY. While total balance growth including mortgages was strongest among consumers at both ends of the credit spectrum, growth in average non-mortgage balances was concentrated among lower-risk consumers.
Average Non-mortgage Balance per Consumer Q2 2025 Q2 2026 YoY Change Super Prime$30,663 $32,232 5.1% Prime Plus$25,655 $26,927 5.0% Prime$24,974 $26,124 4.6% Near Prime$23,054 $23,852 3.5% Subprime$19,225 $19,181 -0.2% “Credit growth in the second quarter reflected a widening divide across risk tiers. Super prime, prime plus and prime consumers continued to increase non-mortgage borrowing, while subprime consumers modestly reduced balances year over year, pointing to a more cautious borrowing environment among higher-risk households,” said Matt Fabian, senior director of financial services research and consulting at TransUnion Canada. “For lenders, this underscores the potential value of differentiated strategies: prudent expansion in lower-risk segments and close monitoring of subprime performance.”
Affordability Pressures Continued to Slow New Mortgage Activity
Canada's mortgage market remained broadly stable in Q2 2026, but growth in new mortgages slowed noticeably. New mortgage origination increased 7.8% YoY, well below the double-digit growth seen in recent quarters, as affordability challenges, economic uncertainty and cautious consumer sentiment continued to dampen homebuying activity despite improving housing market conditions.
Canadians continued to carry larger mortgage balances in Q2 2026, even as fewer mortgages were outstanding overall. Total mortgage balances rose 3.9% YoY to $1.93 trillion, while the number of mortgage accounts declined slightly by 0.2%. The average outstanding mortgage balance increased 4.2% YoY to $293,270, suggesting that growth was driven by larger balances on existing mortgages, potentially stemming from higher loan amounts in prior years, mortgage renewals, and smaller legacy mortgages being paid off.
At the same time, new homebuyers were borrowing less. The average balance on newly issued mortgages fell 2.4% YoY to $354,683, suggesting affordability pressures influenced purchasing decisions and may have pushed some buyers toward lower-priced homes, larger down payments, or more affordable housing markets.
Despite ongoing affordability pressures, mortgage delinquencies remained low overall in Q2 2026, with 99.7% of mortgage holders making payments on time. However, the share of serious mortgage delinquency (60+ days past due) edged higher across all measures. Consumer-level serious delinquency rose 3 basis points (bps) to 0.29%, account-level rose 3 bps to 0.30%, and balance-level delinquency rose 6 bps to 0.31% YoY. The larger increase in balance-level delinquency indicated financial stress was becoming more concentrated among borrowers with larger mortgage balances.
Homeowners who took out new mortgages during the 2022–2023 period of rapidly rising interest rates continued to face greater affordability pressures and higher delinquency rates, particularly among the small segment of subprime borrowers. Mortgages originated in 2024 generally performed better, especially among subprime and near prime consumers. While overall mortgage delinquency rates edged higher in Q2 2026, the data continued to point to a resilient market, with financial stress concentrated among specific borrower segments rather than across homeowners more broadly.
Provinces Experiencing Mortgage Stress Differently
Mortgage payment trends continued to vary across the country in Q2 2026. While the national increase in mortgage delinquency remained modest, signs of financial stress were concentrated in provinces with higher housing costs and larger average mortgage balance, particularly Ontario and British Columbia. By contrast, several Prairie and Atlantic provinces remained stable or improved YoY.
Ontario experienced the largest YoY increase in account-level mortgage delinquency, rising 6 bps, followed by Prince Edward Island (5 bps) and British Columbia (4 bps). Alberta, Saskatchewan, Manitoba and Newfoundland and Labrador reported stable or improving results.
The differences were even more pronounced at the balance level. Ontario recorded the largest YoY increase in balance-level mortgage delinquency, rising 10 bps YoY. British Columbia followed with a 7 bps increase, reinforcing the trend that mortgage stress was more concentrated in higher-cost housing markets.
60 Days Past Due Delinquency Rates Account-level mortgage delinquencyBalance-level mortgage delinquency Q2 2025Q2 2026Change bpsQ2 2025Q2 2026Change bpsCanada0.26%0.29%30.25%0.31%6BC0.23%0.27%40.21%0.28%7AB0.32%0.31%-10.22%0.23%1SK0.39%0.36%-30.26%0.25%-2MB0.36%0.34%-10.21%0.22%1ON0.26%0.32%60.30%0.41%10QC0.22%0.22%00.18%0.17%-1NB0.29%0.31%20.16%0.18%2NS0.30%0.30%00.15%0.17%3PEI0.24%0.28%50.13%0.17%4NL0.34%0.32%-20.25%0.23%-2 “Although mortgage delinquency rates remain low nationally, signs of credit stress are concentrated in higher-cost housing markets, where borrowers tend to carry larger mortgage balances and face greater exposure to affordability pressures and payment shocks,” said Fabian. “Provincial results suggest the recent rise in mortgage delinquencies is driven less by broad borrower distress and more by localized weakness in Canada’s most expensive markets, particularly Ontario and British Columbia.”
Most Canadians are Keeping Up with Payments, but More are Seeking Debt Relief
While most Canadians continued to keep up with their debt payments, a greater number turned to formal debt relief solutions in Q2 2026. Overall consumer credit performance remained broadly resilient, with national delinquency rates showing only modest change over the past two years. In fact, fewer consumers fell behind on payments compared to a year earlier, with the share of consumers 30+ days past due (DPD) declining to 4.27%, the lowest level observed over the past two years.
At the same time, the share of consumers who were in later stages of delinquency – 60+ and 90+ days past due – rose modestly above last year’s levels. However, delinquent consumers were generally not more likely to fall further behind than in previous periods.
Taken together, the data suggested that persistent financial stress remained concentrated among a relatively small segment of consumers rather than reflecting a widespread deterioration in credit quality.
Consumer Delinquency by Stage Consumers 30+ DPDConsumers 60+ DPDConsumers 90+ DPDQ2 20244.41%2.51%1.74%Q2 20254.34%2.52%1.77%Q2 20264.27%2.56%1.81% Beneath the stable national average, provincial results moved in different directions, highlighting uneven economic conditions across the country. The most significant deterioration in serious consumer delinquency (90+ days past due) was concentrated in Alberta, Saskatchewan, and Ontario, which together accounted for most of the upward pressure observed in the national delinquency rate. While fewer consumers entered delinquency nationally, a smaller group of financially stressed borrowers continued to struggle, suggesting an uneven recovery shaped by regional affordability pressures and slower household financial recovery.
Consumer 90+ DPD Delinquency by Province
Q2 2025Q2 2026Y/Y change (bps)AB2.29%2.41%12NB1.96%1.98%1ON1.90%1.96%6NS1.92%1.91%-1MB1.93%1.90%-3SK1.78%1.89%10NL1.71%1.76%5PEI1.69%1.70%1BC1.68%1.67%-1QC1.27%1.25%-2 While delinquency rates remained relatively stable, more Canadians turned to formal debt relief solutions. The consumer insolvency rate rose to 1.10% in Q2 2026, up from 0.94% in Q2 2024, reaching the highest level observed over the past two years. Insolvency rates increased steadily over that time, suggesting more consumers were turning to formal debt relief after exhausting other options.
The rise in insolvencies was primarily driven by non-mortgage holders. Insolvency filing rates among non-mortgage holders have moved modestly above pre-pandemic levels, while rates among mortgage holders remained below their pre-2020 levels. This divergence indicates that financial stress isn't being evenly distributed across the population as consumers without mortgages appear to be facing greater difficulty managing rising living costs and unsecured debt obligations, while homeowners have remained comparatively more financially resilient.
The composition of insolvency filings has remained largely unchanged despite growing overall volumes. Consumer proposals continued to account for nearly 80% of all filings, up from approximately 60% before the pandemic, while bankruptcies represented only about one-fifth of filings. This mix suggests the increase in insolvencies reflects consumers seeking structured debt restructuring solutions rather than a more broad-based deterioration in household finances.
"The gap between stable delinquency and rising insolvency is one of today’s more nuanced credit dynamics. On one hand, delinquency metrics suggest the market remains resilient; however, rising insolvency filings show that certain consumers, especially those without the asset buffer of homeownership, face growing financial pressure," said Fabian. "The dominance of consumer proposals is somewhat reassuring, as it suggests more consumers are seeking debt restructuring rather than defaulting outright. The key question for the second half of 2026 is whether economic normalization can ease that pressure."
Canada’s Credit Market Shows Signs of Stabilizing, but Momentum Remains Uneven
Canada’s Credit Industry Indicator (CII) rose to 100.9 in Q2 2026, up half a point from the previous quarter and two points from a year earlier. The modest increase suggests credit conditions are stabilizing rather than strengthening, as borrowing demand recovers and credit availability moves closer to balanced levels. Softer balance growth and uneven delinquency trends indicate the credit market has improved from the 2025 slowdown but remains below the stronger conditions seen in earlier expansionary periods.
About TransUnion (NYSE: TRU)
TransUnion is a global information and insights company with over 13,000 associates operating in more than 30 countries, including Canada, where we’re the credit bureau of choice for the financial services ecosystem and most of Canada’s largest banks. We make trust possible by ensuring each person is reliably represented in the marketplace. We do this by providing 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.
For more information visit: www.transunion.ca
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TransUnion says it is modernizing the way it calculates U.K. consumers' credit scores. The information, insights and credit reporting company on Wednesday (Aug. 26) introduced a new credit scoring system designed to help consumers better understand their credit score and their options when it comes to borrowing.
CHICAGO, Aug. 27, 2026 (GLOBE NEWSWIRE) -- A new TransUnion (NYSE: TRU) analysis found that financially distressed consumers who enroll in third-party debt settlement programs may experience greater credit score declines than consumers who file for bankruptcy. The analysis also found that nearly half of debt settlement enrollees were current on their obligations when they entered the program.
Three months before enrollment, debt settlement consumers appeared slightly less risky than eventual bankruptcy filers, with a median VantageScore® 4.0 credit score of 587 versus 570. Near-prime consumers also represented a larger share of debt settlement enrollees, creating potential blind spots for lenders who may otherwise be able to work with consumers on alternative repayment options.
However, after enrollment, the pattern reversed. Among consumers who were current when they enrolled in debt settlement, median credit scores fell from 645 six months before enrollment to 549 six months afterward, a 96-point decline. Bankruptcy filers, in comparison, only experienced a 20-point decline over the same period, indicating debt settlement was significantly more damaging to a credit score for many consumers.
Debt Settlement Consumers Saw Greater Credit Score Declines Than Those Who Filed for Bankruptcy
Consumers Enrolled in Debt Settlement ProgramsConsumers Who Filed for BankruptcyCurrent30-90 DPD120+ DPDSix months pre-enrollment645623573582At enrollment582519525556Six months post-enrollment549551551562Difference pre- vs. post- enrollment-96-72-22-20
"Consumers often view debt settlement as a less disruptive alternative to bankruptcy, but our research found outcomes can vary significantly based on a consumer's circumstances," said Jason Laky, executive vice president and head of financial services at TransUnion. "For consumers who entered debt settlement while current on their obligations, score declines were often more severe than those observed among bankruptcy filers. This underscores the importance of understanding settlement-related exposure when making credit and account management decisions."
Identifying Debt Settlement Risk Before Enrollment
TransUnion's research also found predictive measures that lenders can use to help identify consumers likely to opt for third-party debt settlement programs before enrollment occurs. More than half of all debt settlement enrollees were current at the time they entered a program, highlighting the limitations of relying solely on delinquency-based monitoring.
The analysis showed that combining bankruptcy-related risk signals with trended credit attributes significantly improved identification rates. Adding TruVision™ attributes enabled the model to capture an additional 25% of debt settlement enrollees within the highest-risk 10% of consumers, with meaningful gains across broader scoring bands as well.
"Many consumers entering debt settlement programs are not yet showing traditional distress indicators such as delinquency," said Michele Raneri, vice president and head of U.S. research and consulting at TransUnion. "Combining bankruptcy-related risk signals with credit trends like rising utilization, growing balances and increased unsecured borrowing helps lenders identify potential debt settlement enrollment earlier, make better credit decisions, and discuss alternative options with borrowers."
These findings suggest lenders can better identify debt settlement enrollment risk by monitoring rising balances, higher utilization, growth in unsecured personal loans, and changes in trade activity. Applying these indicators to portfolio reviews, account management, prescreening and credit line increase strategies may help detect enrollment risk earlier. This enables more precise credit decisions and stronger portfolio management before risk appears through delinquency or other performance declines.
To learn more about how TruVision can help lenders more precisely balance risk and opportunity with risk management products that identify and manage best-fit customers across the account lifecycle, 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.
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Based on their value, growth, and momentum characteristics, each stock is assigned a rating of A, B, C, D, or F. The better the score, the better chance the stock will outperform; an A is better than a B, a B is better than a C, and so on.
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Value ScoreFor value investors, it's all about finding good stocks at good prices, and discovering which companies are trading under their true value before the broader market catches on. The Value Style Score utilizes ratios like P/E, PEG, Price/Sales, Price/Cash Flow, and a host of other multiples to help pick out the most attractive and discounted stocks.
Growth ScoreGrowth investors are more concerned with a stock's future prospects, and the overall financial health and strength of a company. Thus, the Growth Style Score analyzes characteristics like projected and historic earnings, sales, and cash flow to find stocks that will see sustainable growth over time.
Momentum ScoreMomentum trading is all about taking advantage of upward or downward trends in a stock's price or earnings outlook, and these investors live by the saying "the trend is your friend." The Momentum Style Score can pinpoint good times to build a position in a stock, using factors like one-week price change and the monthly percentage change in earnings estimates.
VGM ScoreIf you like to use all three kinds of investing, then the VGM Score is for you. It's a combination of all Style Scores, and is an important indicator to use with the Zacks Rank. The VGM Score rates each stock on their shared weighted styles, narrowing down the companies with the most attractive value, best growth forecast, and most promising momentum.
How Style Scores Work with the Zacks Rank The Zacks Rank, which is a proprietary stock-rating model, employs earnings estimate revisions, or changes to a company's earnings expectations, to make building a winning portfolio easier.
Investors can count on the Zacks Rank's success, with #1 (Strong Buy) stocks producing an unmatched +23.8% average annual return since 1988, more than double the S&P 500's performance. But the model rates a large number of stocks, and there are over 200 companies with a Strong Buy rank, plus another 600 with a #2 (Buy) rank, on any given day.
But it can feel overwhelming to pick the right stocks for you and your investing goals with over 800 top-rated stocks to choose from.
That's where the Style Scores come in.
To maximize your returns, you want to buy stocks with the highest probability of success. This means picking stocks with a Zacks Rank #1 or #2 that also have Style Scores of A or B. If you find yourself looking at stocks with a #3 (Hold) rank, make sure they have Scores of A or B as well to ensure as much upside potential as possible.
As mentioned above, the Scores are designed to work with the Zacks Rank, so any change to a company's earnings outlook should be a deciding factor when picking which stocks to buy.
For instance, a stock with a #4 (Sell) or #5 (Strong Sell) rating, even one that boasts Scores of A and B, still has a downward-trending earnings forecast, and a much greater likelihood its share price will decline as well.
Thus, the more stocks you own with a #1 or #2 Rank and Scores of A or B, the better.
Stock to Watch: TransUnion (TRU - Free Report) Headquartered in Chicago, IL, TransUnion is one of the leading global providers of risk and information solutions to businesses and consumers. The company provides consumer reports, risk scores, analytical services and decision-making capabilities to businesses. What sets TransUnion apart are its distinctive and comprehensive datasets, next-generation technology and its analytics and decision-making capabilities — which enable it to deliver insights across the complete consumer lifecycle. TransUnion boasts rich domain proficiency across key industry verticals, including insurance, healthcare and financial services. It also caters to verticals like wireless, real estate and general commercial/business information. Possession of both nationwide consumer credit data and comprehensive, diverse public records data, enables the company to better predict behavior, assess risk and address a broader set of business issues for its customers.
TRU is a #3 (Hold) on the Zacks Rank, with a VGM Score of B.
Additionally, the company could be a top pick for growth investors. TRU has a Growth Style Score of B, forecasting year-over-year earnings growth of 12.6% for the current fiscal year.
Seven analysts revised their earnings estimate higher in the last 60 days for fiscal 2026, while the Zacks Consensus Estimate has increased $0.07 to $4.84 per share. TRU also boasts an average earnings surprise of +6%.
With a solid Zacks Rank and top-tier Growth and VGM Style Scores, TRU should be on investors' short list.
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 rose 18.3% in three months compared with the industry's 5.4% growth.AI usage and OneTru are expanding data demand, product innovation and the company's sales pipeline.TRU's cash flow strengthened, but $5.59B in debt and rising interest costs constrain capital allocation. Shares of TransUnion (TRU - Free Report) have had a decent run over the past three months. The stock has gained 18.3% compared with the industry’s 5.4% and the Zacks S&P 500 Composite's 0.3% growth.
Image Source: Zacks Investment Research
TRU has a Growth Score of B. This style score condenses key financial metrics to reflect a fair sense of the quality and sustainability of its growth.
The company’s third-quarter 2026 earnings are expected to increase 10% year over year. Its 2026 and 2027 earnings are projected to rise 12.6% and 15.4%, respectively. Revenues are anticipated to grow 12.8% in 2026 and 8.1% in 2027.
Factors That Bode Well for TRU’s SuccessAI Usage Should Boost Demand: TransUnion operates in the fast-growing big data and analytics market. Rising data creation, advances in analytics, and broader use of data-driven decision-making across industries and geographies are driving market growth. The company is expanding its artificial intelligence (AI) usage and integration to extend its opportunity through proprietary credit and alternative data, fraud, marketing and analytics capabilities.
During the second quarter of 2026, management highlighted that AI should increase demand for proprietary data, analytics and decisioning as customers seek to activate data at scale. The company expects greater AI sophistication over time to support higher data consumption, greater demand for its AI software, TruIQ analytics and faster adoption of marketing and fraud tools.
TRU’s OneTru Supports Scalability & Innovation: The company’s OneTru platform, which unifies data, analytics and decisioning across credit, marketing and fraud, expands scalability and innovation. It helped the company develop roughly 40 new products and AI-powered enhancements in the first half of 2026, supporting a broader sales pipeline and scalable growth. The platform supports TransUnion’s TruIQ analytics in Canada, the United Kingdom and India.
Strong Operating Cash Supports Financial Flexibility: TRU reported that operating cash flow climbed 28.9% and free cash flow rose 43% year over year during the second quarter of 2026. For the first half of 2026, operating cash flow was $459.1 million. This solid operating cash performance allows the company to innovate and expand further without straining profitability.
Watch Out for These Risks to TRU StockStiff Competition Raises Cost Pressure: TransUnion competes with companies like Equifax, Experian, LexisNexis and FICO across information services and the marketing and consumer solutions market. Maintaining differentiation requires continued spending on data, technology and talent. As a result, TRU faces the challenge of balancing costs while maintaining steady profitability.
Elevated Debt: TRU has a heavy debt burden. The company had $5.59 billion of total debt compared with $839.1 million of cash at the end of the second quarter of 2026. Interest expense increased to $65.9 million in the same time frame from $55.7 million a year earlier. The debt load therefore remains a constraint on capital allocation and increases sensitivity to financing costs.
TransUnion has a Zacks Rank #3 (Hold) at present. 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 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%.
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 11.6%.
CBZ beat earnings estimates in three of the last four quarters and missed once, with an average earnings surprise of 8.9%.
CHICAGO, Aug. 20, 2026 (GLOBE NEWSWIRE) -- New research from TransUnion (NYSE: TRU) found that trust, reputation and transparency are the most important factors shaping how consumers choose and maintain relationships with wealth management providers. The findings highlight a significant opportunity for firms to differentiate themselves in an increasingly competitive and digital marketplace.
In a survey of 1,000 U.S. consumers with at least $20,000 in investable assets, TransUnion found that trust and reputation outweigh every other factor in choosing a wealth management provider. Nearly two in three (65%) current investors ranked trust and reputation among their top factors, compared with 49% who cited fees and pricing. Trust and reputation also topped the list for prospective investors, with 58% identifying them as a key consideration.
The research also revealed that trust is built through specific, tangible experiences. Investors identified transparency in fees and advice (56%), along with reputation and brand credibility (56%), as the leading drivers of trustworthiness.
Notably, concerns about fraud are shaping how investors define trust. More than half (56%) of investors said they are moderately to extremely concerned about the impact fraud could have on their investments, highlighting the growing importance of fraud prevention and identity protection capabilities within the wealth management experience. The findings suggest investors are evaluating firms on more than investment performance alone, placing increased value on providers that demonstrate their ability to safeguard investor data throughout the client relationship.
“Wealth managers have traditionally competed on performance, products and price. Our research shows that the competitive landscape is changing,” said Joshua Turnbull, senior vice president of financial services at TransUnion. “Investors are telling us that confidence and credibility matter as much as – and sometimes more than – traditional decision factors. As digital engagement becomes the norm, trust is no longer an intangible brand attribute; it is a measurable business asset that can influence acquisition, retention and long-term growth.”
The findings show that investors increasingly expect firms to reinforce trust through strong protection and security practices. As wealth management interactions increasingly move online, firms that visibly safeguard client identities, accounts and communications may be better positioned to strengthen investor confidence, deepen loyalty and differentiate themselves in a competitive market.
Trust as a Growth Strategy
The findings suggest that trust is no longer simply a brand attribute. It has become a fundamental imperative that can drive client acquisition and retention. While digital capabilities remain important, investors place greater value on firms that consistently demonstrate transparency, accessibility and protection throughout the client journey.
For wealth management firms, this indicates that trust must be demonstrated throughout the investor lifecycle, not simply earned at the point of account opening. Organizations that understand changing investor expectations and create personalized experiences can build confidence across every interaction. In turn, they may be better positioned to attract new clients, strengthen existing relationships and stand apart in a competitive market.
The research also highlights the importance of connecting engagement, communications and protection strategies. Firms that strengthen client communications, enhance interactions and help protect investors from fraud and identity-based threats can reinforce trust while supporting long-term loyalty. Together, these capabilities can strengthen investor relationships and support sustainable growth.
Turnbull continued, “Trust has become a defining factor in how investors choose and evaluate wealth management providers. For firms navigating a rapidly evolving marketplace, understanding what builds confidence is critical. These findings provide a roadmap for wealth managers to strengthen client relationships and drive growth, while highlighting the need for solutions that deliver the transparency, protection and personalized engagement investors increasingly expect.”
To learn more about how TransUnion wealth management solutions can help strengthen investor relationships, build trust and support long-term growth, 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.
For new and old investors, taking full advantage of the stock market and investing with confidence are common goals. Zacks Premium provides lots of different ways to do both.
Featuring daily updates of the Zacks Rank and Zacks Industry Rank, full access to the Zacks #1 Rank List, Equity Research reports, and Premium stock screens, the research service can help you become a smarter, more self-assured investor.
It also includes access to the Zacks Style Scores.
What are the Zacks Style Scores? Developed alongside the Zacks Rank, the Zacks Style Scores are a group of complementary indicators that help investors pick stocks with the best chances of beating the market over the next 30 days.
Each stock is given an alphabetic rating of A, B, C, D or F based on their value, growth, and momentum qualities. With this system, an A is better than a B, a B is better than a C, and so on, meaning the better the score, the better chance the stock will outperform.
The Style Scores are broken down into four categories:
Value ScoreFor value investors, it's all about finding good stocks at good prices, and discovering which companies are trading under their true value before the broader market catches on. The Value Style Score utilizes ratios like P/E, PEG, Price/Sales, Price/Cash Flow, and a host of other multiples to help pick out the most attractive and discounted stocks.
Growth ScoreGrowth investors are more concerned with a stock's future prospects, and the overall financial health and strength of a company. Thus, the Growth Style Score analyzes characteristics like projected and historic earnings, sales, and cash flow to find stocks that will see sustainable growth over time.
Momentum ScoreMomentum traders and investors live by the saying "the trend is your friend." This investing style is all about taking advantage of upward or downward trends in a stock's price or earnings outlook. Employing factors like one-week price change and the monthly percentage change in earnings estimates, the Momentum Style Score can indicate favorable times to build a position in high-momentum stocks.
VGM ScoreWhat if you like to use all three types of investing? The VGM Score is a combination of all Style Scores, making it one of the most comprehensive indicators to use with the Zacks Rank. It rates each stock on their combined weighted styles, which helps narrow down the companies with the most attractive value, best growth forecast, and most promising momentum.
How Style Scores Work with the Zacks Rank The Zacks Rank is a proprietary stock-rating model that harnesses the power of earnings estimate revisions, or changes to a company's earnings expectations, to help investors build a successful portfolio.
It's highly successful, with #1 (Strong Buy) stocks producing an unmatched +23.94% average annual return since 1988. That's more than double the S&P 500. But because of the large number of stocks we rate, there are over 200 companies with a Strong Buy rank, plus another 600 with a #2 (Buy) rank, on any given day.
But it can feel overwhelming to pick the right stocks for you and your investing goals with over 800 top-rated stocks to choose from.
That's where the Style Scores come in.
To maximize your returns, you want to buy stocks with the highest probability of success. This means picking stocks with a Zacks Rank #1 or #2 that also have Style Scores of A or B. If you find yourself looking at stocks with a #3 (Hold) rank, make sure they have Scores of A or B as well to ensure as much upside potential as possible.
The direction of a stock's earnings estimate revisions should always be a key factor when choosing which stocks to buy, since the Scores were created to work together with the Zacks Rank.
Here's an example: a stock with a #4 (Sell) or #5 (Strong Sell) rating, even one with Style Scores of A and B, still has a downward-trending earnings outlook, and a bigger chance its share price will decrease too.
Thus, the more stocks you own with a #1 or #2 Rank and Scores of A or B, the better.
Stock to Watch: TransUnion (TRU - Free Report) Headquartered in Chicago, IL, TransUnion is one of the leading global providers of risk and information solutions to businesses and consumers. The company provides consumer reports, risk scores, analytical services and decision-making capabilities to businesses. What sets TransUnion apart are its distinctive and comprehensive datasets, next-generation technology and its analytics and decision-making capabilities — which enable it to deliver insights across the complete consumer lifecycle. TransUnion boasts rich domain proficiency across key industry verticals, including insurance, healthcare and financial services. It also caters to verticals like wireless, real estate and general commercial/business information. Possession of both nationwide consumer credit data and comprehensive, diverse public records data, enables the company to better predict behavior, assess risk and address a broader set of business issues for its customers.
TRU is a #3 (Hold) on the Zacks Rank, with a VGM Score of B.
Momentum investors should take note of this Business Services stock. TRU has a Momentum Style Score of B, and shares are up 4.5% over the past four weeks.
Seven analysts revised their earnings estimate higher in the last 60 days for fiscal 2026, while the Zacks Consensus Estimate has increased $0.07 to $4.84 per share. TRU also boasts an average earnings surprise of +6%.
With a solid Zacks Rank and top-tier Momentum and VGM Style Scores, TRU should be on investors' short list.
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.
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 taps rising big data demand, stable lending, innovation and acquisitions for growth, while seasonality, debt and competition pose challenges.
CHICAGO, Aug. 06, 2026 (GLOBE NEWSWIRE) -- TransUnion (NYSE: TRU) today announced that its Board of Directors declared a cash dividend of $0.125 per share for the second quarter 2026. The dividend will be payable on September 4, 2026, to shareholders of record on August 20, 2026.
For new and old investors, taking full advantage of the stock market and investing with confidence are common goals. Zacks Premium provides lots of different ways to do both.
Featuring daily updates of the Zacks Rank and Zacks Industry Rank, full access to the Zacks #1 Rank List, Equity Research reports, and Premium stock screens, the research service can help you become a smarter, more self-assured investor.
Zacks Premium also includes the Zacks Style Scores.
What are the Zacks Style Scores? The Zacks Style Scores is a unique set of guidelines that rates stocks based on three popular investing types, and were developed as complementary indicators for the Zacks Rank. This combination helps investors choose securities with the highest chances of beating the market over the next 30 days.
Based on their value, growth, and momentum characteristics, each stock is assigned a rating of A, B, C, D, or F. The better the score, the better chance the stock will outperform; an A is better than a B, a B is better than a C, and so on.
The Style Scores are broken down into four categories:
Value ScoreValue investors love finding good stocks at good prices, especially before the broader market catches on to a stock's true value. Utilizing ratios like P/E, PEG, Price/Sales, Price/Cash Flow, and many other multiples, the Value Style Score identifies the most attractive and most discounted stocks.
Growth ScoreWhile good value is important, growth investors are more focused on a company's financial strength and health, and its future outlook. The Growth Style Score takes projected and historic earnings, sales, and cash flow into account to uncover stocks that will see long-term, sustainable growth.
Momentum ScoreMomentum traders and investors live by the saying "the trend is your friend." This investing style is all about taking advantage of upward or downward trends in a stock's price or earnings outlook. Employing factors like one-week price change and the monthly percentage change in earnings estimates, the Momentum Style Score can indicate favorable times to build a position in high-momentum stocks.
VGM ScoreWhat if you like to use all three types of investing? The VGM Score is a combination of all Style Scores, making it one of the most comprehensive indicators to use with the Zacks Rank. It rates each stock on their combined weighted styles, which helps narrow down the companies with the most attractive value, best growth forecast, and most promising momentum.
How Style Scores Work with the Zacks Rank The Zacks Rank, which is a proprietary stock-rating model, employs earnings estimate revisions, or changes to a company's earnings expectations, to make building a winning portfolio easier.
#1 (Strong Buy) stocks have produced an unmatched +23.94% average annual return since 1988, which is more than double the S&P 500's performance over the same time frame. However, the Zacks Rank examines a ton of stocks, and there can be more than 200 companies with a Strong Buy rank, and another 600 with a #2 (Buy) rank, on any given day.
With more than 800 top-rated stocks to choose from, it can certainly feel overwhelming to pick the ones that are right for you and your investing journey.
That's where the Style Scores come in.
To have the best chance of big returns, you'll want to always consider stocks with a Zacks Rank #1 or #2 that also have Style Scores of A or B, which will give you the highest probability of success. If you're looking at stocks with a #3 (Hold) rank, it's important they have Scores of A or B as well to ensure as much upside potential as possible.
Since the Scores were created to work together with the Zacks Rank, the direction of a stock's earnings estimate revisions should be a key factor when choosing which stocks to buy.
A stock with a #4 (Sell) or #5 (Strong Sell) rating, for instance, even one with Scores of A and B, will still have a declining earnings forecast, and a greater chance its share price will fall too.
Thus, the more stocks you own with a #1 or #2 Rank and Scores of A or B, the better.
Stock to Watch: TransUnion (TRU - Free Report) Headquartered in Chicago, IL, TransUnion is one of the leading global providers of risk and information solutions to businesses and consumers. The company provides consumer reports, risk scores, analytical services and decision-making capabilities to businesses. What sets TransUnion apart are its distinctive and comprehensive datasets, next-generation technology and its analytics and decision-making capabilities — which enable it to deliver insights across the complete consumer lifecycle. TransUnion boasts rich domain proficiency across key industry verticals, including insurance, healthcare and financial services. It also caters to verticals like wireless, real estate and general commercial/business information. Possession of both nationwide consumer credit data and comprehensive, diverse public records data, enables the company to better predict behavior, assess risk and address a broader set of business issues for its customers.
TRU is a #3 (Hold) on the Zacks Rank, with a VGM Score of B.
It also boasts a Value Style Score of B thanks to attractive valuation metrics like a forward P/E ratio of 16.87; value investors should take notice.
Seven analysts revised their earnings estimate upwards in the last 60 days for fiscal 2026. The Zacks Consensus Estimate has increased $0.07 to $4.84 per share. TRU boasts an average earnings surprise of +6%.
With a solid Zacks Rank and top-tier Value and VGM Style Scores, TRU should be on investors' short list.
CHICAGO, Aug. 05, 2026 (GLOBE NEWSWIRE) -- TransUnion (NYSE: TRU) today announced its research that found many organizations remain unprepared to scale AI effectively or clearly measure its business impact despite increasing investments in the capability.
TransUnion commissioned United Talent Agency’s (UTA) brand advisory division to survey 100 senior marketing and technology leaders at major U.S. brands. The findings reveal a confidence-readiness paradox. Marketers are increasingly confident AI will transform marketing, yet many lack the people, data and process foundations required to realize its full value, beyond efficiency improvements.
Defining the confidence-readiness paradox:
AI investment is accelerating: 89% of marketers expect investment in AI-enabled marketing initiatives to increase over the next 12 to 24 months.Confidence outpaces readiness: 64% are confident they will achieve their AI-enabled marketing goals. However, only 42% rate their organization’s people readiness as high, while just 36% rate their data and process readiness as high.Transparency is lacking: Fewer than half (48%) say they have enough visibility into platform-level AI to make optimization decisions with confidence.Marketers are mostly focused on efficiency: 65% of marketers measure AI success primarily through time and cost savings, but less than half use more advanced methodologies like marketing mix modeling, multi touch attribution and incrementality testing. "Marketers are increasingly confident in AI's ability to drive business results, but many are still working to build the foundations needed to scale it effectively," said Matt Spiegel, EVP, TruAudience Growth Strategy, TransUnion. "However, AI isn't a shortcut around data challenges. It's a force multiplier. Organizations that build strong foundations of trusted data, identity and measurement will be best positioned to close the gap between AI ambition and AI outcomes."
The Barriers to AI Readiness
The study found that data fragmentation remains one of the industry's biggest obstacles to AI readiness. The limitations inhibit marketers’ ability to evaluate AI’s effectiveness and achieve meaningful business outcomes.
Top concerns related to data fragmentation
42% reported incomplete or missing data69% said data blind spots within walled gardens limit their ability to evaluate AI effectiveness70% said cross-channel blind spots make it difficult to understand AI's impact across the customer journey As AI becomes more deeply embedded in marketing workflows, the findings suggest that transparency, independent measurement and connected data will become increasingly important competitive advantages.
"What this research makes clear is that AI success is no longer defined by access to the technology itself," said Michael Burke, principal at UTA Advisory. "The real differentiator is whether organizations can connect their data, measure outcomes and operationalize AI at scale."
Click here to read the full report exploring the AI confidence-readiness paradox and how marketers can leverage TransUnion’s robust data and connected identity to achieve meaningful ROI.
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 (TRU - Free Report) could be a solid addition to your portfolio given its recent upgrade to a Zacks Rank #2 (Buy). An upward trend in earnings estimates -- one of the most powerful forces impacting stock prices -- has triggered this rating change.
The sole determinant of the Zacks rating is a company's changing earnings picture. The Zacks Consensus Estimate -- the consensus of EPS estimates from the sell-side analysts covering the stock -- for the current and following years is tracked by the system.
Individual investors often find it hard to make decisions based on rating upgrades by Wall Street analysts, since these are mostly driven by subjective factors that are hard to see and measure in real time. In these situations, the Zacks rating system comes in handy because of the power of a changing earnings picture in determining near-term stock price movements.
As such, the Zacks rating upgrade for TransUnion is essentially a positive comment on its earnings outlook that could have a favorable impact on its stock price.
Most Powerful Force Impacting Stock PricesThe change in a company's future earnings potential, as reflected in earnings estimate revisions, has proven to be strongly correlated with the near-term price movement of its stock. That's partly because of the influence of institutional investors that use earnings and earnings estimates for calculating the fair value of a company's shares. An increase or decrease in earnings estimates in their valuation models simply results in higher or lower fair value for a stock, and institutional investors typically buy or sell it. Their transaction of large amounts of shares then leads to price movement for the stock.
For TransUnion, rising earnings estimates and the consequent rating upgrade fundamentally mean an improvement in the company's underlying business. And investors' appreciation of this improving business trend should push the stock higher.
Harnessing the Power of Earnings Estimate RevisionsEmpirical research shows a strong correlation between trends in earnings estimate revisions and near-term stock movements, so it could be truly rewarding if such revisions are tracked for making an investment decision. Here is where the tried-and-tested Zacks Rank stock-rating system plays an important role, as it effectively harnesses the power of earnings estimate revisions.
The Zacks Rank stock-rating system, which uses four factors related to earnings estimates to classify stocks into five groups, ranging from Zacks Rank #1 (Strong Buy) to Zacks Rank #5 (Strong Sell), has an impressive externally-audited track record, with Zacks Rank #1 stocks generating an average annual return of +25% since 1988. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here >>>> .
Earnings Estimate Revisions for TransUnionFor the fiscal year ending December 2026, this credit reporting company is expected to earn $4.81 per share, which is unchanged compared with the year-ago reported number.
Analysts have been steadily raising their estimates for TransUnion. Over the past three months, the Zacks Consensus Estimate for the company has increased 0.8%.
Bottom LineUnlike the overly optimistic Wall Street analysts whose rating systems tend to be weighted toward favorable recommendations, the Zacks rating system maintains an equal proportion of "buy" and "sell" ratings for its entire universe of more than 4,000 stocks at any point in time. Irrespective of market conditions, only the top 5% of the Zacks-covered stocks get a "Strong Buy" rating and the next 15% get a "Buy" rating. So, the placement of a stock in the top 20% of the Zacks-covered stocks indicates its superior earnings estimate revision feature, making it a solid candidate for producing market-beating returns in the near term.
You can learn more about the Zacks Rank here >>>
The upgrade of TransUnion to a Zacks Rank #2 positions it in the top 20% of the Zacks-covered stocks in terms of estimate revisions, implying that the stock might move higher in the near term.
Taking full advantage of the stock market and investing with confidence are common goals for new and old investors, and Zacks Premium offers many different ways to do both.
Featuring daily updates of the Zacks Rank and Zacks Industry Rank, full access to the Zacks #1 Rank List, Equity Research reports, and Premium stock screens, the research service can help you become a smarter, more self-assured investor.
Zacks Premium includes access to the Zacks Style Scores as well.
What are the Zacks Style Scores? Developed alongside the Zacks Rank, the Zacks Style Scores are a group of complementary indicators that help investors pick stocks with the best chances of beating the market over the next 30 days.
Each stock is given an alphabetic rating of A, B, C, D or F based on their value, growth, and momentum qualities. With this system, an A is better than a B, a B is better than a C, and so on, meaning the better the score, the better chance the stock will outperform.
The Style Scores are broken down into four categories:
Value ScoreValue investors love finding good stocks at good prices, especially before the broader market catches on to a stock's true value. Utilizing ratios like P/E, PEG, Price/Sales, Price/Cash Flow, and many other multiples, the Value Style Score identifies the most attractive and most discounted stocks.
Growth ScoreGrowth investors, on the other hand, are more concerned with a company's financial strength and health, and its future outlook. The Growth Style Score examines things like projected and historic earnings, sales, and cash flow to find stocks that will experience sustainable growth over time.
Momentum ScoreMomentum traders and investors live by the saying "the trend is your friend." This investing style is all about taking advantage of upward or downward trends in a stock's price or earnings outlook. Employing factors like one-week price change and the monthly percentage change in earnings estimates, the Momentum Style Score can indicate favorable times to build a position in high-momentum stocks.
VGM ScoreIf you want a combination of all three Style Scores, then the VGM Score will be your friend. It rates each stock on their combined weighted styles, helping you find the companies with the most attractive value, best growth forecast, and most promising momentum. It's also one of the best indicators to use with the Zacks Rank.
How Style Scores Work with the Zacks Rank The Zacks Rank, which is a proprietary stock-rating model, employs earnings estimate revisions, or changes to a company's earnings expectations, to make building a winning portfolio easier.
#1 (Strong Buy) stocks have produced an unmatched +23.94% average annual return since 1988, which is more than double the S&P 500's performance over the same time frame. However, the Zacks Rank examines a ton of stocks, and there can be more than 200 companies with a Strong Buy rank, and another 600 with a #2 (Buy) rank, on any given day.
With more than 800 top-rated stocks to choose from, it can certainly feel overwhelming to pick the ones that are right for you and your investing journey.
That's where the Style Scores come in.
To maximize your returns, you want to buy stocks with the highest probability of success. This means picking stocks with a Zacks Rank #1 or #2 that also have Style Scores of A or B. If you find yourself looking at stocks with a #3 (Hold) rank, make sure they have Scores of A or B as well to ensure as much upside potential as possible.
The direction of a stock's earnings estimate revisions should always be a key factor when choosing which stocks to buy, since the Scores were created to work together with the Zacks Rank.
For instance, a stock with a #4 (Sell) or #5 (Strong Sell) rating, even one that boasts Scores of A and B, still has a downward-trending earnings forecast, and a much greater likelihood its share price will decline as well.
Thus, the more stocks you own with a #1 or #2 Rank and Scores of A or B, the better.
Stock to Watch: TransUnion (TRU - Free Report) Headquartered in Chicago, IL, TransUnion is one of the leading global providers of risk and information solutions to businesses and consumers. The company provides consumer reports, risk scores, analytical services and decision-making capabilities to businesses. What sets TransUnion apart are its distinctive and comprehensive datasets, next-generation technology and its analytics and decision-making capabilities — which enable it to deliver insights across the complete consumer lifecycle. TransUnion boasts rich domain proficiency across key industry verticals, including insurance, healthcare and financial services. It also caters to verticals like wireless, real estate and general commercial/business information. Possession of both nationwide consumer credit data and comprehensive, diverse public records data, enables the company to better predict behavior, assess risk and address a broader set of business issues for its customers.
TRU is a #3 (Hold) on the Zacks Rank, with a VGM Score of B.
Additionally, the company could be a top pick for growth investors. TRU has a Growth Style Score of B, forecasting year-over-year earnings growth of 10.7% for the current fiscal year.
Three analysts revised their earnings estimate higher in the last 60 days for fiscal 2026, while the Zacks Consensus Estimate has increased $0.02 to $4.76 per share. TRU also boasts an average earnings surprise of +6%.
With a solid Zacks Rank and top-tier Growth and VGM Style Scores, TRU should be on investors' short list.
On July 30, 2026, TransUnion (TRU) shares fell 4.1%, bringing the current price to $80.26. The stock has experienced a 52-week range of $63.37 to $99.39, reflec
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.
It doesn't matter your age or experience: taking full advantage of the stock market and investing with confidence are common goals for all investors. Luckily, Zacks Premium offers several different ways to do both.
Featuring daily updates of the Zacks Rank and Zacks Industry Rank, full access to the Zacks #1 Rank List, Equity Research reports, and Premium stock screens, the research service can help you become a smarter, more self-assured investor.
Zacks Premium includes access to the Zacks Style Scores as well.
What are the Zacks Style Scores? The Zacks Style Scores is a unique set of guidelines that rates stocks based on three popular investing types, and were developed as complementary indicators for the Zacks Rank. This combination helps investors choose securities with the highest chances of beating the market over the next 30 days.
Each stock is given an alphabetic rating of A, B, C, D or F based on their value, growth, and momentum qualities. With this system, an A is better than a B, a B is better than a C, and so on, meaning the better the score, the better chance the stock will outperform.
The Style Scores are broken down into four categories:
Value ScoreValue investors love finding good stocks at good prices, especially before the broader market catches on to a stock's true value. Utilizing ratios like P/E, PEG, Price/Sales, Price/Cash Flow, and many other multiples, the Value Style Score identifies the most attractive and most discounted stocks.
Growth ScoreGrowth investors are more concerned with a stock's future prospects, and the overall financial health and strength of a company. Thus, the Growth Style Score analyzes characteristics like projected and historic earnings, sales, and cash flow to find stocks that will see sustainable growth over time.
Momentum ScoreMomentum traders and investors live by the saying "the trend is your friend." This investing style is all about taking advantage of upward or downward trends in a stock's price or earnings outlook. Employing factors like one-week price change and the monthly percentage change in earnings estimates, the Momentum Style Score can indicate favorable times to build a position in high-momentum stocks.
VGM ScoreIf you like to use all three kinds of investing, then the VGM Score is for you. It's a combination of all Style Scores, and is an important indicator to use with the Zacks Rank. The VGM Score rates each stock on their shared weighted styles, narrowing down the companies with the most attractive value, best growth forecast, and most promising momentum.
How Style Scores Work with the Zacks Rank A proprietary stock-rating model, the Zacks Rank utilizes the power of earnings estimate revisions, or changes to a company's earnings outlook, to help investors create a successful portfolio.
#1 (Strong Buy) stocks have produced an unmatched +23.94% average annual return since 1988, which is more than double the S&P 500's performance over the same time frame. However, the Zacks Rank examines a ton of stocks, and there can be more than 200 companies with a Strong Buy rank, and another 600 with a #2 (Buy) rank, on any given day.
With more than 800 top-rated stocks to choose from, it can certainly feel overwhelming to pick the ones that are right for you and your investing journey.
That's where the Style Scores come in.
You want to make sure you're buying stocks with the highest likelihood of success, and to do that, you'll need to pick stocks with a Zacks Rank #1 or #2 that also have Style Scores of A or B. If you like a stock that only has a #3 (Hold) rank, it should also have Scores of A or B to guarantee as much upside potential as possible.
As mentioned above, the Scores are designed to work with the Zacks Rank, so any change to a company's earnings outlook should be a deciding factor when picking which stocks to buy.
Here's an example: a stock with a #4 (Sell) or #5 (Strong Sell) rating, even one with Style Scores of A and B, still has a downward-trending earnings outlook, and a bigger chance its share price will decrease too.
Thus, the more stocks you own with a #1 or #2 Rank and Scores of A or B, the better.
Stock to Watch: TransUnion (TRU - Free Report) Headquartered in Chicago, IL, TransUnion is one of the leading global providers of risk and information solutions to businesses and consumers. The company provides consumer reports, risk scores, analytical services and decision-making capabilities to businesses. What sets TransUnion apart are its distinctive and comprehensive datasets, next-generation technology and its analytics and decision-making capabilities — which enable it to deliver insights across the complete consumer lifecycle. TransUnion boasts rich domain proficiency across key industry verticals, including insurance, healthcare and financial services. It also caters to verticals like wireless, real estate and general commercial/business information. Possession of both nationwide consumer credit data and comprehensive, diverse public records data, enables the company to better predict behavior, assess risk and address a broader set of business issues for its customers.
TRU is a #3 (Hold) on the Zacks Rank, with a VGM Score of B.
Momentum investors should take note of this Business Services stock. TRU has a Momentum Style Score of B, and shares are up 12.4% over the past four weeks.
Three analysts revised their earnings estimate upwards in the last 60 days for fiscal 2026. The Zacks Consensus Estimate has increased $0.02 to $4.76 per share. TRU boasts an average earnings surprise of +6%.
With a solid Zacks Rank and top-tier Momentum and VGM Style Scores, TRU should be on investors' short list.
