TransUnion (TRU) fair value: what the stock is really worth
As of Nov 4, 2026: fair value (intrinsic value) of TransUnion stock $86.36, price $82.13, upside +5.2%, quality 66 out of 100. Rating: fairly valued. Calculated from audited financials with 24 of our 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.
How to read this chart
60‑month range $42.63 – $121.52 · fair‑value band $52.32 – $125.38 · the $82.13 price screens below the $86.36 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 5, 2026.
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TransUnion operates as a global consumer credit reporting agency that provides risk and information solutions. The company operates in two segments, U.S. Markets and International.
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The U.S. Markets segment provides credit reporting, credit marketing, analytics and consulting, identity verification, and authentication and debt recovery solutions for financial services industry; and onboarding and transaction processing products, scoring and analytic products, marketing solutions, fraud and identity management solutions, and customer retention solutions, as well select market-specific solutions for insurance, technology, retail and e-commerce, telecommunications, media, tenant and employment screening, collections, and public sectors.
It also offers credit reports, scores, and freezes credit monitoring, identity protection and resolution, and financial management for consumers, as well as helps businesses respond to data breach events through its own websites, as well as channels.
The International segment offers credit reports, analytics, technology solutions, and other value-added risk management services; consumer services, which helps consumers to manage their personal finances; credit bureaus; and consumer and business credit reporting, insurance and auto information solutions, and commercial credit information services.
This segment serves customers in financial services, retail credit, insurance, automotive, collections, public sector, and communications industries through direct and indirect channels.
The company was formerly known as TransUnion Holding Company, Inc. and changed its name to TransUnion in March 2015. TransUnion was founded in 1968 and is headquartered in Chicago, Illinois.
Stock analysis
TransUnion (TRU) currently trades at $82.13, while our model-based Fair Value estimate is $86.36, so the stock looks roughly fairly valued today (gap 4.9%).
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Valuation
Bull case: the Multiples group reads highest at a median of $50.15 per share, and 1 of the 24 models we run sit above the $82.13 price.
Bear case: the Economic Profit group reads lowest at $12.75, and 23 of the 24 models stay below the price. Data coverage for this calculation is high.
Scenario range: $52.32 (bear) to $125.38 (bull), the price of $82.13 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 66/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
TransUnion reported revenue of $4.6B in FY2025 versus $3.0B in FY2021, a compound +11.5%/yr. Reported net income was $455M in FY2025, compounding −24.3%/yr from FY2021.
Key figures
Market cap $15.9B Large · P/E ratio 20.0 · P/S ratio 3.16 · EPS (TTM) $4.11 · Dividend yield 0.6% · Net margin 15.8% · Return on equity 17.0% · Return on assets (EBIT) 5.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 68 out of 100 (medium confidence).
What moves the price
The share trades about 6% below its 52-week high and 34% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −30% fair-value upside, at 5%, TRU screens cheaper than that median.
Fair Value models
Bear$52.32Fair Value $86.36Bull$125.38
Price $82.13 · Upside +5.2%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($3.05 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
In the last 6 months, 7 officers or directors sold shares worth $7.1M and none bought.
SaleSteven M ChaoukiPresident, US Markets11× since Dec 1, 2025: 36,000 shares, avg. $73.74$2.7MNov 2, 202610b5-1 plan
SaleTodd C. SkinnerPresident, International12× since Dec 10, 2025: 8,950 shares, avg. $75.47$675,452Nov 2, 202610b5-1 plan
SaleMohamed AbdelsadekEVP, Chief Global Solutions4× since Jul 28, 2026: 25,892 shares, avg. $84.05$2.2MOct 16, 202610b5-1 plan
SaleVenkat AchantaEVP, Chief Tech, Data & Analy.23,287 shares at $77.00$1.8MSep 10, 2026
SaleJennifer A. WilliamsSVP, Chief Accounting Officer3× since Mar 3, 2026: 3,721 shares, avg. $81.31$302,570Aug 31, 202610b5-1 plan
SaleAlicia Brooke ZuikerEVP, CHRO8,673 shares at $78.49$680,744Aug 11, 202610b5-1 plan
SaleHeather J RussellEVP, Chief Legal Officer3× since Mar 6, 2026: 12,733 shares, avg. $74.89$953,611May 29, 202610b5-1 plan
SaleTiffani ChambersEVP, Chief Operations Officer4,318 shares at $86.00$371,348Dec 17, 202510b5-1 plan
Plus 38 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.97/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+9.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.6%
Start year 2020 (pandemic). Over 10 years: +11.7% a year
Revenue growth 13 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.3%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.
+6.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+5.6%
Dividend (yield on the price)0.6%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.5.1% vs 21.0%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.20% → 19%
Pace: the 5-year rate starts in 2020 (pandemic)
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far and more than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+19.7%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+6.7%
Yearly sales growth analysts expect, extended to five years.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +16.9% a year for the price and +4.2% for the forecasts.
News mood ⓘNews mood, the average tone of recent news (100 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Neutral
Recent news coverage is roughly neutral, about typical for how stocks are covered.
AI conclusion: Moderate moat from data scale and oligopoly position underpins TransUnion in credit reporting, yet thin innovation signals and regulatory data security oversight remain key constraints.
Main risk: Ongoing FCRA violations alleged in class actions and CFPB actions over inaccurate reporting, dispute handling and tenant screening could lead to further multimillion-dollar settlements, penalties and stricter compliance requirements that raise operating costs.
Bull case: TransUnion could integrate its AI analytics tools more deeply into compliance workflows to reduce errors and strengthen its position as a governed data provider amid regulatory pressure.
Bear case: Repeated FCRA enforcement actions and large settlements could force costly operational changes, limit data usage and erode margins in core credit reporting services.
TransUnion is introducing a mortgage workflow that lets lenders review core credit data first and add scores only when a loan advances, directly targeting origination cost savings. This leverages its established data assets in a competitive credit reporting landscape where peers are making similar moves. Will these incremental efficiency tools expand usage enough to support sustained growth, or will they mainly help hold ground against pricing pressure and alternative data entrants?
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Financial Data & Stock Exchanges · 49 stocks
Beats the industry median on 5/14 measures
Overall it trails its industry peers.
Valuation
Quality Score66 · Below median
Fair Value upside+5.2% · Top 25%
Profitability
Return on equity (12 months)17.0% · Below median
Return on assets4.1% · Below median
Net margin (12 months)15.8% · Bottom 25%
Operating margin (12 months)20.4% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)12.2% · Below median
Dividend yield (12 months)0.6% · Bottom 25%
Balance sheet
Debt / equity1.11× · Highest 25%
Valuation Multiplesvs Financial Data & Stock Exchanges median · lower = cheaper
P/E (12 months)20.0× · Cheaper than median
P/B3.58× · book value is mostly goodwill ⓘGoodwill and other intangible assets are larger than the equity. The book value mainly reflects prices paid for past acquisitions, so we do not rank this P/B against the peer group.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "TransUnion Fair Value". https://www.fairvalue-calculator.com/stock/TRU
Frequently asked questions
Is TransUnion (TRU) overvalued or undervalued?
As of Nov 5, 2026, our model estimates a fair value of $86.36 versus a price of $82.13, about +5% upside (fairly valued).
What is the fair value of TRU?
Our model-based fair value for TransUnion is $86.36 (as of Nov 5, 2026), built from audited fundamentals. The current price: $82.13.
What is the quality score of TRU?
TransUnion has a Quality Score of 66/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for TransUnion (TRU)?
Our model-based price target is the fair value of $86.36 (as of Nov 5, 2026) from 24 valuation models. Cautious scenario $52.32, optimistic scenario $125.38. It is a calculation from audited fundamentals, not an analyst target.
What is the TransUnion stock forecast for 2026?
Our models put fair value at $86.36, about +5% upside versus a price of $82.13 (fairly valued). Cautious scenario $52.32, optimistic scenario $125.38. The calculation is refreshed regularly with new filings.
What is the revenue of TransUnion (TRU)?
TransUnion reported trailing-twelve-month revenue of about $5.0B (latest available figure, as of Nov 5, 2026).
Does TransUnion pay a dividend?
TransUnion currently shows a dividend yield of 0.62% relative to its recent price (as of Nov 5, 2026).
What growth is priced into TransUnion (TRU)?
For today's price to be fair in a discounted-cash-flow model, TransUnion would have to grow free cash flow by +19.7 % per year for five years (discount rate 10.6 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +12.6 % per year. As of Nov 5, 2026.
What discount rate (WACC) does the fair value of TRU use?
Our models discount TransUnion at 10.6 %: a base by market capitalisation (large), damped by beta 1.58, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For TransUnion that is +19.7 % per year a year over ten years, using the same discount rate (10.6 %) and the same formula as our fair value.
How much growth has TransUnion (TRU) delivered so far?
Over the past 5 years revenue at TransUnion grew +12.6 % a year. The price currently implies +19.7 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of TransUnion (TRU) growing?
The median revenue growth in the sector is +7.8 % a year. That is the yardstick for the growth priced into TransUnion (+19.7 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of TransUnion (TRU)?
The free-cash-flow yield on the price is 4.16 %: that much free cash flow TransUnion produces per unit of market value. When it exceeds the discount rate of our models (10.6 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of TransUnion (TRU)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For TransUnion it is $86.36 per share (as of Nov 5, 2026), against a price of $82.13. It is the blended result of 24 valuation models (cash flow, earnings, asset, dividend).
Is TransUnion stock overvalued or undervalued in 2026?
As of Nov 5, 2026, TRU trades below its calculated fair value: price $82.13, fair value $86.36, a gap of about +5% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of TRU?
No. The price is what the market pays today ($82.13); the fair value is what the company's own numbers justify ($86.36). For TransUnion the two are $4.23 per share apart. That gap is exactly why we show both numbers side by side.
How much is TransUnion worth?
The market values TransUnion at about $15.9B (market capitalisation, as of Nov 5, 2026). Per share that is $82.13; our models calculate a fair value of $86.36 per share.
What do the bullish and bearish scenarios say about TRU?
Our models span a range for TransUnion: cautious scenario $52.32, base $86.36, optimistic $125.38 per share (as of Nov 5, 2026, price $82.13). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of TRU?
TransUnion trades at a price-to-earnings ratio of 20.0 (as of Nov 5, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $86.36 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings, 8 of the years ex one-offs: 45.4. Other multiples: PEG 1.1, P/B 3.6, P/S 3.2, EV/EBITDA 12.5.
What is the PEG ratio of TRU?
The PEG ratio of TransUnion is 1.08 (P/E divided by earnings growth, as of Nov 5, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of TransUnion (TRU)?
Balance-sheet figures for TransUnion (as of Nov 5, 2026): return on equity 17.0%, debt of 1.11 per unit of equity. They feed the Quality Score of 66/100, which measures business quality independently of the share price.
How far is TRU from its 52-week high?
TransUnion trades at $82.13, about 6% below its 52-week high of $87.67 and 34% above the low of $61.12 (as of Nov 4, 2026). Distance from the high says nothing about value: that is what the fair value of $86.36 is for.
Which stocks are comparable to TransUnion?
From the same area (Financial Services) we also value S&P Global Inc, CME Group, Intercontinental Exchange, Inc, Moody's Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is TransUnion stock attractive at the current price?
The data as of Nov 5, 2026: price $82.13, calculated fair value $86.36 (+5%), Quality Score 66/100, from 24 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of TRU calculated?
We run TransUnion through 24 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $86.36, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 15.5% above its aggregate fair value. TransUnion currently trades 5% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of TransUnion (TRU)?
The closing price on Nov 4, 2026 was $82.13. Our model-based fair value is $86.36, about +5% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with TransUnion right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. A fairly wide model range ($52.32 to $125.38) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of TransUnion (TRU) come from?
Earnings per share at TransUnion grew +20.2 % a year from 2015 to 2025. Broken into its drivers: revenue per share +10.4 %, EBIT margin +1.3 %, tax rate +2.3 %, residual (interest, one-offs) +5.1 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of TransUnion
How large is the market capitalisation of TransUnion (TRU)?
The market capitalisation of TransUnion is $15.9B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of TransUnion (TRU)?
The price-to-sales ratio of TransUnion is 3.16 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of TransUnion (TRU)?
Earnings per share at TransUnion are $4.11 (price ÷ EPS = P/E 20.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of TransUnion (TRU)?
The dividend yield of TransUnion is 0.6% (payout 12.4%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of TransUnion (TRU)?
The net margin of TransUnion is 15.8% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of TransUnion (TRU)?
The return on equity (ROE) of TransUnion is 17.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of TransUnion (TRU)?
On an EBIT basis the return on assets of TransUnion is 5.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of TransUnion (TRU)?
The operating margin of TransUnion is 20.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at TransUnion (TRU)?
Revenue at TransUnion is growing +12.2% versus a year earlier (3y avg +7.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at TransUnion (TRU)?
Earnings per share at TransUnion are growing +65.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does TransUnion (TRU) carry?
The net debt of TransUnion is $4.3B (fiscal year 2025, ≈ 6.5 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Broad data
Nov 5, 2026