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Upturn AI Summary - About
TransUnion(TRU)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for TRU
10/14/2026: TRU (1-star) is currently NOT-A-BUY. Pass it for now.
TransUnion is a major information and data analytics company that helps businesses manage credit risk and identity. It is known for its leading position in the credit reporting industry and has historically maintained high profit margins. The primary investment story rests on its transition into high-growth areas like digital identity, fraud detection, and global analytics. However, the company faces risks from high debt levels, cyclical demand in financial services, and increasing regulatory pressure on data privacy. The stock generally suits growth-oriented investors looking for exposure to data-driven business models, though they should monitor interest rate trends and successful integration of recent technology acquisitions.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Strong fit | TransUnion offers exposure to secular growth trends in data analytics and digital identity services. |
| Momentum investor | Mixed fit | Performance is highly sensitive to credit market cycles, requiring positive interest rate and lending environments for optimal momentum. |
| Value investor | Mixed fit | The stock often trades at a premium multiple due to the high quality of the business, which may limit deep value opportunities. |
| Dividend investor | Weak fit | TransUnion prioritizes reinvestment and debt reduction over high dividend yields. |
| Low-risk investor | Mixed fit | While the business model is resilient, the company carries notable debt and is exposed to macroeconomic credit risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | The stock is susceptible to swings in investor sentiment regarding interest rates and consumer lending volumes. |
| Valuation risk | Medium | As a quality growth stock, the valuation is sensitive to changes in growth expectations. |
| Competition risk (data analytics & fintech) | Medium | New fintech entrants and alternative scoring models create ongoing pressure on traditional bureau offerings. |
| Business quality | Strong | The company's scale and deep integration into financial systems provide a durable competitive moat. |
| Dividend income | Low | Dividends are not the primary return mechanism for shareholders. |
| Execution risk | Medium | Success depends on effectively integrating large acquisitions like Neustar into the core product suite. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 10.84% | Avg. Invested days 41 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/14/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 12.93B USD | Price to earnings Ratio 17.81 | 1Y Target Price 90.14 |
Price to earnings Ratio 17.81 | 1Y Target Price 90.14 | ||
Volume (30-day avg) 2.8M shares | Beta 1.58 | 52 Weeks Range 60.96 - 88.68 | Updated Date 10/14/2026 |
52 Weeks Range 60.96 - 88.68 | Updated Date 10/14/2026 | ||
Dividends yield (FY) 0.36% | Basic EPS (TTM) 3.79 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| US Markets | Credit reports, scores, and risk solutions for lenders and businesses. | This is the primary engine of the company, driven by consumer borrowing and bank lending activity. |
| International | Credit data and services across non-US markets. | This segment offers geographic diversification and faster growth potential than the mature US market. |
| Consumer Interactive | Subscription services for credit monitoring and identity theft protection. | Provides stable, direct-to-consumer recurring revenue. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE 17.81 | Forward PE 12.84 | Enterprise Value 18.41B | Price to Sales(TTM) 2.64 |
Enterprise Value 18.41B | Price to Sales(TTM) 2.64 | ||
Enterprise Value to Revenue 3.76 | Enterprise Value to EBITDA 10.34 | Shares Outstanding 191.60M | Shares Floating 190.47M |
Shares Outstanding 191.60M | Shares Floating 190.47M | ||
Percent Insiders 0.49 | Percent Institutions 114.22 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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