TransUnion (NYSE:TRU) Issues Earnings Results

TransUnion (NYSE:TRU) announced its quarterly earnings data on Thursday. The business services provider reported $1.07 earnings per share for the quarter, beating analysts’ consensus estimates of $1.03 by $0.04, Briefing.com reports. TransUnion had a return on equity of 16.05% and a net margin of 9.47%.The company had revenue of $1.17 billion for the quarter, compared to analyst estimates of $1.13 billion. During the same quarter last year, the firm posted $0.97 EPS. The firm’s revenue for the quarter was up 13.0% on a year-over-year basis. TransUnion updated its FY 2026 guidance to 4.630-4.71 EPS and its Q1 2026 guidance to 1.080-1.100 EPS.

Here are the key takeaways from TransUnion’s conference call:

• TransUnion beat Q4 guidance and finished 2025 strongly with 12% organic revenue growth in Q4 (U.S. +16%), adjusted diluted EPS up ~10% (mid-teens ex a tax-rate reset), and is guiding 2026 to ~8%–9% organic revenue growth and 8%–10% adjusted diluted EPS growth.
• The company prioritized shareholder returns—repurchasing roughly $150 million in Q4 ($300M in 2025), retaining capacity under a $1 billion repurchase authorization, and raising the quarterly dividend 9%—while reducing leverage to ~2.6x with a target below 2.5x.
• TransUnion completed its multi-year transformation on time and on budget, migrated over 100 U.S. credit customers to its OneTru platform, expects full program savings in 2026, and plans additional country migrations that should drive ~70 bps of EBITDA margin expansion (ex-FICO royalties).
• International performance was muted (2% organic constant-currency growth), with India down 4% in Q4 and modeled for only mid-single-digit growth in 2026 (with an early‑2026 trough), and softness in Latin America and parts of APAC weighing on near-term growth.
• Mortgage-related FICO royalty revenue materially inflates reported mortgage revenue but adds no profit, creating headline revenue growth that can misstate underlying profitability and producing a near-term margin drag (notably in Q1); management therefore emphasizes ex‑FICO metrics for underlying performance.

TransUnion Trading Up 4.2%

Shares of NYSE:TRU traded up $3.00 during midday trading on Friday, reaching $73.81. 1,960,243 shares of the company’s stock were exchanged, compared to its average volume of 2,862,896. The stock has a market cap of $14.33 billion, a price-to-earnings ratio of 34.56, a P/E/G ratio of 1.34 and a beta of 1.70. TransUnion has a fifty-two week low of $65.24 and a fifty-two week high of $101.19. The firm’s 50 day simple moving average is $82.45 and its two-hundred day simple moving average is $84.42. The company has a debt-to-equity ratio of 1.10, a current ratio of 2.01 and a quick ratio of 2.01.

TransUnion Increases Dividend

The firm also recently disclosed a quarterly dividend, which will be paid on Friday, March 13th. Investors of record on Thursday, February 26th will be given a dividend of $0.125 per share. This represents a $0.50 dividend on an annualized basis and a dividend yield of 0.7%. The ex-dividend date of this dividend is Thursday, February 26th. This is a positive change from TransUnion’s previous quarterly dividend of $0.12. TransUnion’s dividend payout ratio is 21.50%.

Wall Street Analysts Forecast Growth

A number of equities analysts recently weighed in on TRU shares. Deutsche Bank Aktiengesellschaft restated a “buy” rating and set a $111.00 price target on shares of TransUnion in a research report on Friday. Wells Fargo & Company lowered their target price on TransUnion from $100.00 to $90.00 and set an “overweight” rating on the stock in a report on Friday. The Goldman Sachs Group restated a “neutral” rating and issued a $80.00 price target on shares of TransUnion in a research report on Friday. UBS Group set a $90.00 price objective on TransUnion and gave the stock a “neutral” rating in a research report on Friday, October 24th. Finally, Morgan Stanley set a $105.00 target price on TransUnion in a report on Friday. One equities research analyst has rated the stock with a Strong Buy rating, eight have assigned a Buy rating, four have assigned a Hold rating and one has given a Sell rating to the stock. According to MarketBeat.com, TransUnion has a consensus rating of “Moderate Buy” and an average target price of $95.00.

Key TransUnion News

Here are the key news stories impacting TransUnion this week:

• Positive Sentiment: Q4 results and guidance: TRU reported Q4 revenue of ~$1.17B and adjusted EPS of $1.07 (both ahead of expectations) with revenue up ~13% YoY; management gave Q1 2026 EPS guidance of $1.080–1.100 and FY 2026 EPS of $4.63–4.71, which supports upside vs. prior street expectations. TransUnion Announces Strong Fourth Quarter and Full-Year 2025 Results
• Positive Sentiment: Dividend raise: TRU increased its quarterly dividend to $0.125 (an ~8.7% bump), signaling confidence in cash flow and returning more capital to shareholders; ex-dividend is Feb 26.
• Neutral Sentiment: Business drivers: Coverage and deep-dive pieces highlight U.S. growth, product expansion (new data/product initiatives) and a deliberately conservative 2026 outlook from management — positive for long-term revenue diversity but suggests cautious near-term assumptions. TRU Q4 Deep Dive: U.S. Growth, Product Expansion, and Conservative 2026 Outlook
• Neutral Sentiment: Earnings call/transcript available: The full Q4 earnings call and transcripts provide management color on segment performance (consumer credit, risk & analytics, rent/alternative data) — useful for modelling segment-level growth and margin assumptions. TransUnion (TRU) Q4 2025 Earnings Call Transcript
• Negative Sentiment: Analyst cuts and lowered targets: Several firms trimmed price targets after the report — Stifel $103 → $88 (buy), Wells Fargo $100 → $90 (overweight) and Needham $115 → $95 (buy) — and some analysts have trimmed their forecasts, which can cap near-term upside despite the beat. TransUnion Analysts Slash Their Forecasts After Q4 Results

Insiders Place Their Bets

In other TransUnion news, insider Steven M. Chaouki sold 1,000 shares of TransUnion stock in a transaction dated Friday, January 2nd. The shares were sold at an average price of $85.71, for a total transaction of $85,710.00. Following the completion of the sale, the insider directly owned 61,592 shares in the company, valued at $5,279,050.32. This trade represents a 1.60% decrease in their ownership of the stock. The sale was disclosed in a legal filing with the Securities & Exchange Commission, which is available at the SEC website. Also, insider Todd C. Skinner sold 500 shares of the business’s stock in a transaction that occurred on Monday, February 2nd. The shares were sold at an average price of $78.79, for a total transaction of $39,395.00. Following the completion of the sale, the insider directly owned 31,725 shares in the company, valued at $2,499,612.75. This trade represents a 1.55% decrease in their ownership of the stock. The SEC filing for this sale provides additional information. Insiders sold a total of 7,818 shares of company stock valued at $663,883 over the last 90 days. 0.22% of the stock is owned by company insiders.

Institutional Inflows and Outflows

Several hedge funds and other institutional investors have recently modified their holdings of TRU. State Street Corp raised its holdings in shares of TransUnion by 0.7% in the 4th quarter. State Street Corp now owns 6,832,003 shares of the business services provider’s stock valued at $585,844,000 after buying an additional 50,232 shares during the period. Invesco Ltd. grew its position in TransUnion by 355.9% in the 3rd quarter. Invesco Ltd. now owns 2,637,776 shares of the business services provider’s stock valued at $220,993,000 after acquiring an additional 2,059,177 shares in the last quarter. Theleme Partners LLP increased its stake in TransUnion by 16.1% during the second quarter. Theleme Partners LLP now owns 2,108,357 shares of the business services provider’s stock worth $185,535,000 after purchasing an additional 293,000 shares during the period. Northern Trust Corp increased its stake in TransUnion by 43.1% during the third quarter. Northern Trust Corp now owns 1,740,642 shares of the business services provider’s stock worth $145,831,000 after purchasing an additional 524,621 shares during the period. Finally, JPMorgan Chase & Co. lifted its position in shares of TransUnion by 18.2% during the fourth quarter. JPMorgan Chase & Co. now owns 1,637,178 shares of the business services provider’s stock worth $140,388,000 after purchasing an additional 252,579 shares in the last quarter.

TransUnion Company Profile

TransUnion is a global information and insights company that helps businesses and consumers make critical decisions using data and analytics. As one of the three major credit bureaus in the United States, TransUnion collects and aggregates credit information on individuals and businesses, providing credit reports, risk scores and portfolio management tools to financial institutions, lenders, landlords and other decision makers. Its consumer-facing products enable individuals to monitor credit status, detect identity theft and access personalized financial insights.

The company’s offerings span credit risk assessment, identity management, fraud prevention and marketing solutions.