TransUnion (TRU) Fair Value & Analysis
Financial Services · US · Market cap $14.5B
TransUnion
TRU · US
Fair value as of: Jul 12, 2026
From 26 valuation models · updated 26 days ago
Fair value updated Jul 12, 2026, revised from $39.40 to $39.54 (+0.4%) since Jun 25, 2026. Share price +0.5% over the past month.
A solid business, but screening 50% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case ($62.00). The favourable scenario is already priced in.
- The model range is unusually wide ($19.57 to $62.00). The outcome hinges heavily on assumptions, so read the point estimate with caution.
- Solid but not exceptional quality (55/100) and above fair value, neither a clear bargain nor a standout compounder.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 12, 2026.
How to read this chart
60‑month range $42.63 – $121.52 · fair‑value band $19.57 – $62.00 · the $79.20 price screens above the $39.54 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 12, 2026.
Analysis
TransUnion (TRU) currently trades at $79.20, while our model-based Fair Value estimate is $39.54, implying the stock looks roughly 50.1% overvalued today. We read business quality at 55/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, TransUnion generated revenue of $4.7B at a net margin of 14.9%. Revenue grew 13.7% year over year. It earns a return on equity of 15.3%. Net debt stands at $4.3B. Fundamentals as of Jul 12, 2026
Our scenario range runs from $19.57 (bear case) to $62.00 (bull case); at $79.20, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 20% below its 52-week high and 23% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -53% fair-value upside, at -50%, TRU screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 26 models by family
Widest divergence: DCF Models ($49.48) versus Dividend Discount ($7.56). Highest evidence: Growth DCF (80).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 12, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 59 · Market factors (momentum, volatility) 36
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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. The U.S.
Full company description
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. 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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
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.
TRU screens 50% overvalued. Compare with S&P Global Inc →
Recent news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- TransUnion (TRU) Upgraded to Buy: Here's Why
- TransUnion (TRU) Joins Universal Ads To Bring Audience Data Into Premium TV
- TransUnion Stock Gains 8.4% Since Q2 Earnings & Revenue Beat
- TransUnion (TRU) Q2 2026 Earnings Call Highlights: Strong Revenue Growth and Raised Full-Year ...
Peer Group
Financial Data & Stock Exchanges · 55 stocks
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.
Valuation Multiples vs Financial Data & Stock Exchanges median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Insider activity: 40/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Financial Data & Stock Exchanges stocks, each showing price versus our Fair Value estimate (as of Jul 12, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| S&P Global Inc SPGI | $450.84 | $196.36 | -56% |
| CME Group CME | $245.05 | $145.51 | -41% |
| Moody's Corporation MCO | $504.46 | $194.82 | -61% |
| Intercontinental Exchange, Inc ICE | $139.65 | $75.95 | -46% |
| Deutsche Börse AG DB1 | €260.90 | €142.42 | -45% |
| Nasdaq, Inc NDAQ | $88.08 | $41.12 | -53% |
| MSCI Inc MSCI | $604.71 | $214.91 | -64% |
| Coinbase Global, Inc COIN | $160.49 | $57.05 | -64% |
| Cboe Global Markets, Inc CBOE | $273.41 | $136.64 | -50% |
| Hithink RoyalFlush Information Network Co 300033 | ¥215.56 | ¥55.36 | -74% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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