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TransUnion TRU

TransUnion scores average on business quality (5.1 of 10). Here is why, in plain words, and what our sealed record shows.

Last price$65.48Oct 9, 2026
Business qualityAverage
Next earningsOct 27, 2026, before the open
Insiders, 90 daysSelling

Why it matters

  1. What TransUnion does

    TransUnion provides consumer credit information and data analytics services, helping financial institutions and businesses evaluate risk. Lenders and corporate clients pay for credit reports, fraud prevention tools, and marketing lists to manage consumer portfolios.

  2. What it does best

    TransUnion converts revenue into a gross margin of 58.7%, towering over peers like LDOS at 17.8% and CACI at 33.2%. This high-margin profile stems from proprietary credit databases that scale with zero marginal data acquisition cost, creating high switching costs for major lenders embedded in the ecosystem.

  3. The main risk

    With net debt sitting at $4.2B and interest coverage at 3.7x, debt servicing remains a tight squeeze if operating cash flows stall. High leverage leaves little margin for error should macroeconomic conditions disrupt consumer credit inquiry volumes.

Quality, check by check

Scored against its own industry, from company filings.

ProfitabilityFair

Operating margin stands at 18.8% with an FCF margin in the sector top quartile, driven by high-margin data scale as revenue expands.

MoatFair

Proprietary credit data locks in enterprise lenders through deep IT integration, backed by a gross margin ranking in the sector top quartile.

GrowthSteady

Revenue grew to $4.9B at a 9.4% rate, accelerating past its historical multi-year expansion pace as demand for analytics solutions picks up.

Financial healthWeak

Total debt of $5.1B and interest coverage of 3.7x leave debt costs heavy, though free cash flow rose to $788M, getting stronger.

Insiders

Executives and directors, from SEC Form 4 filings we read ourselves. Open market trades only; grants, option exercises and pre-planned sales left out.

1 sold $1.8M outside pre-planned sales.

Our sealed record on TRU

Verdicts appear here 30 days after we publish them; members see today's. Each one is in the nightly ledger, fingerprinted the night it was made.

The first sealed verdicts appear here on Oct 11, 2026.

Questions

Is TRU a good business?

TransUnion scores average on the Cluenex quality check (5.1 of 10), measured against its own industry. Profitability is fair, moat fair, growth steady and financial health weak.

Are insiders buying TRU?

In the last 90 days of SEC Form 4 filings: 1 sold $1.8M outside pre-planned sales.

When does TRU report earnings?

Oct 27, 2026, before the open.

For members

See TRU today

  • Today's verdict on TRU, and why
  • Fair value with cautious, base and optimistic cases
  • The exact price that would change the verdict
  • Which stocks each signal names, the night it fires
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Cite this page: Cluenex, “TransUnion (TRU)”, https://cluenex.com/stocks/tru/, data as of Oct 10, 2026.