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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
10/28/2026: TRU (1-star) has a low Upturn Star Rating. Not recommended to BUY.
TransUnion is a major player in the global information and credit reporting sector, providing essential risk and identity management services to businesses and consumers. Its primary strength lies in an extensive proprietary database and a diversified model that extends beyond traditional credit reporting into fraud and marketing analytics. The company's growth story centers on leveraging these high-value data insights to drive digital transformation. However, it faces risks from cyclical economic downturns in lending, high debt levels, and intense regulatory scrutiny. The stock may best suit growth-oriented investors looking for exposure to financial technology, provided they monitor the company’s ongoing debt reduction and acquisition integration efforts.
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 | Mixed fit | TransUnion offers moderate growth prospects tied to financial technology trends but remains subject to cyclical economic factors. |
| Momentum investor | Mixed fit | This style is conditional on a positive, sustained trend in the stock price relative to the credit industry cycle. |
| Value investor | Mixed fit | Valuation fluctuates significantly based on the interest rate environment and its impact on the mortgage and lending markets. |
| Dividend investor | Weak fit | TransUnion prioritizes capital reinvestment and debt reduction over providing high dividend yields to shareholders. |
| Low-risk investor | Mixed fit | The stock carries moderate risk due to its sensitivity to economic downturns and the highly regulated nature of its business. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | The stock is sensitive to interest rate changes and cyclical lending trends. |
| Valuation risk | Medium | P/E ratios can expand or contract based on market perception of its growth rate. |
| Competition risk (data and analytics competition) | Medium | Strong competition from entrenched players like Equifax and Experian limits pricing power. |
| Business quality | Strong | The company has a highly resilient business model due to the necessity of credit data. |
| Dividend income | Low | The company is not focused on being an income-generating vehicle. |
| Execution risk | Medium | Successfully integrating large-scale acquisitions is essential for long-term growth. |
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 3.44% | Avg. Invested days 36 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/28/2026 |
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 14.45B USD | Price to earnings Ratio 18.35 | 1Y Target Price 88.52 |
Price to earnings Ratio 18.35 | 1Y Target Price 88.52 | ||
Volume (30-day avg) 3.4M shares | Beta 1.58 | 52 Weeks Range 60.96 - 88.68 | Updated Date 10/28/2026 |
52 Weeks Range 60.96 - 88.68 | Updated Date 10/28/2026 | ||
Dividends yield (FY) 0.16% | Basic EPS (TTM) 4.11 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| US Markets | Credit reporting and risk scoring for financial institutions. | The bread-and-butter business that provides steady cash flow from major banks and lenders. |
| International | Expansion into credit bureaus globally. | Provides a growth tailwind as more countries digitize their credit systems. |
| Consumer Interactive | Direct-to-consumer credit monitoring apps. | A smaller but high-visibility segment that builds brand loyalty with individual users. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2026-10-27 | When Before Market | Estimate 1.06 | Actual 1.12 |
Profitability
Profit Margin 15.83% | Operating Margin (TTM) 20.36% |
Management Effectiveness
Return on Assets (TTM) 5.56% | Return on Equity (TTM) 16.96% |
Valuation
Trailing PE 18.35 | Forward PE 14.6 | Enterprise Value 19.02B | Price to Sales(TTM) 2.87 |
Enterprise Value 19.02B | Price to Sales(TTM) 2.87 | ||
Enterprise Value to Revenue 4.1 | Enterprise Value to EBITDA 11.28 | Shares Outstanding 191.60M | Shares Floating 189.57M |
Shares Outstanding 191.60M | Shares Floating 189.57M | ||
Percent Insiders 0.49 | Percent Institutions 114.43 |
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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