TransUnion (NYSE:TRU) Releases Earnings Results, Beats Estimates By $0.07 EPS

TransUnion (NYSE:TRU) announced its earnings results on Tuesday. The business services provider reported $1.23 earnings per share (EPS) for the quarter, topping analysts’ consensus estimates of $1.16 by $0.07, FiscalAI reports. The company had revenue of $1.31 billion for the quarter, compared to analyst estimates of $1.28 billion. TransUnion had a return on equity of 16.09% and a net margin of 14.91%.TransUnion’s revenue for the quarter was up 14.9% compared to the same quarter last year. During the same period in the previous year, the firm earned $1.08 earnings per share. TransUnion updated its Q3 2026 guidance to 1.180-1.210 EPS and its FY 2026 guidance to 4.750-4.830 EPS.

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

• Second-quarter results exceeded guidance, with organic constant-currency revenue growth of 10%, adjusted EBITDA growth of 12%, and adjusted diluted EPS of $1.23, up 13% year over year.
• TransUnion raised its full-year 2026 outlook to 8%–9% organic constant-currency revenue growth, 10%–11% adjusted EBITDA growth, and 11%–12% adjusted diluted EPS growth, citing strong first-half execution and resilient market trends.
• The company reported continued progress migrating U.S. credit customers to its OneTru platform, with approximately 60% of batch activity and 30% of online customers migrated; AI-enabled product launches and internal productivity gains are expected to support innovation and margins.
• International growth improved to 6%, India returned to growth and Mexico is outperforming its acquisition case; management highlighted further opportunities to expand alternative data, TruIQ analytics, fraud, and other global solutions.
• Higher interest rates are pressuring mortgage activity, with full-year mortgage assumptions incorporating mid- to high-single-digit inquiry declines and low-double-digit declines expected in the second half, although pricing and non-tri-bureau revenue are expected to offset some of the impact.

TransUnion Stock Up 8.3%

Shares of TransUnion stock opened at $83.64 on Wednesday. TransUnion has a 1 year low of $63.37 and a 1 year high of $99.39. The company has a market cap of $16.13 billion, a P/E ratio of 23.17, a P/E/G ratio of 1.38 and a beta of 1.55. The company has a current ratio of 1.93, a quick ratio of 1.93 and a debt-to-equity ratio of 1.10. The stock has a 50-day moving average price of $72.40 and a 200 day moving average price of $73.63.

TransUnion Dividend Announcement

The firm also recently disclosed a quarterly dividend, which was paid on Thursday, June 11th. Investors of record on Wednesday, May 27th were paid a $0.125 dividend. This represents a $0.50 annualized dividend and a yield of 0.6%. The ex-dividend date of this dividend was Wednesday, May 27th. TransUnion’s dividend payout ratio is currently 13.85%.

TransUnion News Summary

Here are the key news stories impacting TransUnion this week:

• Positive Sentiment: TransUnion reported second-quarter adjusted earnings of $1.23 per share, exceeding the $1.16 consensus estimate, while revenue rose 14.9% year over year to $1.31 billion, ahead of the $1.28 billion forecast. EPS also increased from $1.08 in the prior-year quarter. TransUnion Announces Strong Second Quarter 2026 Results
• Positive Sentiment: Management raised its fiscal 2026 adjusted EPS outlook to $4.75–$4.83, above the roughly $4.67 analyst consensus. Full-year revenue guidance was set at approximately $5.1–$5.2 billion, supporting expectations for continued growth. TransUnion lifts outlook after strong quarterly revenue growth
• Positive Sentiment: The earnings call highlighted growth momentum across TransUnion’s business, including demand for credit, risk and marketing data products and the contribution from alternative credit data. Investors viewed the commentary as evidence that recent investments and acquisitions are supporting expansion. TransUnion Corp. Earnings Call Highlights Growth Momentum
• Neutral Sentiment: Third-quarter adjusted EPS guidance of $1.18–$1.21 was broadly in line with estimates, though its midpoint is slightly below the $1.21 consensus. Revenue guidance was approximately $1.3 billion, also consistent with expectations.
• Negative Sentiment: TransUnion flagged a surge in auto-loan fraud losses, a potential headwind for lenders and for demand or pricing in parts of its auto-related business. TransUnion Flags a Surge in Auto Loan Fraud Losses
• Negative Sentiment: Some analysts cautioned that the strong results may already be reflected in the stock’s valuation following its recent rally, potentially limiting additional upside unless TransUnion continues to outperform. TransUnion Q2 Earnings: Great Print, But It Seems to Be Priced Accordingly

Analysts Set New Price Targets

A number of equities analysts recently weighed in on the company. Weiss Ratings upgraded TransUnion from a “hold (c-)” rating to a “hold (c)” rating in a research report on Thursday, July 16th. Bank of America reduced their price objective on shares of TransUnion from $83.00 to $80.00 and set a “neutral” rating for the company in a research note on Tuesday, May 19th. Mizuho decreased their target price on shares of TransUnion from $88.00 to $77.00 and set a “neutral” rating for the company in a report on Thursday, July 2nd. Robert W. Baird set a $108.00 target price on shares of TransUnion in a research report on Wednesday, April 29th. Finally, The Goldman Sachs Group restated a “neutral” rating and set a $82.00 price target on shares of TransUnion in a report on Tuesday. Nine equities research analysts have rated the stock with a Buy rating and six have given a Hold rating to the company. According to data from MarketBeat.com, TransUnion presently has an average rating of “Moderate Buy” and an average target price of $91.73.

Insiders Place Their Bets

In other news, EVP Heather J. Russell sold 6,683 shares of the company’s stock in a transaction dated Friday, May 29th. The stock was sold at an average price of $71.87, for a total value of $480,307.21. Following the transaction, the executive vice president owned 45,248 shares in the company, valued at $3,251,973.76. This represents a 12.87% decrease in their position. The sale was disclosed in a document filed with the Securities & Exchange Commission, which is available at this link. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Also, insider Steven M. Chaouki sold 10,000 shares of the stock in a transaction that occurred on Wednesday, July 1st. The stock was sold at an average price of $72.64, for a total transaction of $726,400.00. Following the completion of the sale, the insider directly owned 89,906 shares of the company’s stock, valued at $6,530,771.84. This trade represents a 10.01% decrease in their ownership of the stock. The disclosure for this sale is available in the SEC filing. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. In the last 90 days, insiders sold 30,155 shares of company stock worth $2,177,102. Insiders own 0.37% of the company’s stock.

Institutional Inflows and Outflows

Several hedge funds have recently bought and sold shares of the company. Brooklyn Investment Group bought a new stake in shares of TransUnion in the 4th quarter valued at approximately $700,000. BI Asset Management Fondsmaeglerselskab A S lifted its stake in shares of TransUnion by 12.4% in the 2nd quarter. BI Asset Management Fondsmaeglerselskab A S now owns 7,845 shares of the business services provider’s stock valued at $690,000 after purchasing an additional 867 shares during the last quarter. Commerce Bank boosted its holdings in TransUnion by 4.6% in the fourth quarter. Commerce Bank now owns 7,966 shares of the business services provider’s stock worth $683,000 after purchasing an additional 349 shares in the last quarter. Kestra Advisory Services LLC increased its position in TransUnion by 5.0% during the fourth quarter. Kestra Advisory Services LLC now owns 7,822 shares of the business services provider’s stock worth $671,000 after buying an additional 371 shares during the last quarter. Finally, Graham Capital Management L.P. raised its holdings in TransUnion by 43.4% during the fourth quarter. Graham Capital Management L.P. now owns 7,033 shares of the business services provider’s stock valued at $603,000 after buying an additional 2,128 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.