Stocktoria

TransUnion TRU

TransUnion (TRU) earns a Piotroski F-score of 8/9 (strong financial health), with an Altman Z″ in the grey zone. It pays a dividend yielding 0.67% (safety: safe). FY2025 revenue was $4.6B at a 10.0% net margin.

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66/100
Stocktoria Quality Score · grade B
8/9
Piotroski F — financial health
2.55
Altman Z″ — distress risk · grey
0.5%
Dividend yield 5y avg · safe · Dividend payout 19.9%

Quality score trend · recomputed for each fiscal year

Piotroski F /9
6 6 4 7 5 3 5 4 7 8 2016201720182019202020212022202320242025
Altman Z″
0.93 1.45 1.34 1.62 2.19 2.08 1.96 1.61 2.23 2.55 2016201720182019202020212022202320242025

Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.

$79.44 as of 2026-08-01 · -10.1% 1y
$69.19$88.4052-wk
Market cap USD$13.6B
P / E29.8×
Dividend yield 5y avg0.5%
Net margin 5y avg13.1%
Return on equity 5y avg10.5%
Beta1.53
Employees13,000

Analyst price target

$96.24 +21.1% vs last
consensus: buy · 21 analysts
target range $77.00 – $115.00 · median $100.00
5 strong buy · 11 buy · 6 hold
Recent analyst actions
DateFirmRating
2026-07-29StifelBuy (main)
2026-07-29Wells FargoOverweight (main)
2026-07-29BMO CapitalOutperform (main)
2026-07-29BarclaysEqual-Weight (main)
2026-07-29BairdOutperform (main)
2026-07-29NeedhamBuy (main)

Wall Street analyst consensus — a sentiment gauge, not our scoring.

Forward estimates · earnings calendar →

Forward EPS est.$5.61
Forward P / E14.2×
Next ex-dividend2026-08-20

Consensus analyst estimates and scheduled dates — forward-looking, may change.

Smart money · insiders, last 12 months

Insiders net sold -$904,687 on the open market · 3 trades

Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.

Revenue trend · last 10y · up

How it ranks in Services · percentile among 982 companies

Piotroski Fstronger than 97%
Net marginstronger than 78%
Return on equitystronger than 67%
Revenue growthstronger than 56%

Percentile vs other Services companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.

Piotroski F breakdown · 8/9 tests passed

Altman Z″ components · grey zone

ComponentValue
Working capital / assets0.078
Retained earnings / assets0.245
EBIT / assets0.077
Equity / liabilities0.692

Sector peers · similar-size Services companies compare side by side →

TickerCompanyPiotroski FAltman Z″P / ERevenue growth
TRUTransUnion8/92.5529.8+9.4%
EFXEQUIFAX INC6/92.5628.6+6.9%
MCOMOODYS CORP /DE/8/96.3932+8.9%
CRMZCREDITRISKMONITOR COM INC3/90.9623.2+1.6%
SPGIS&P Global Inc.6/93.1427+7.9%
GOOGAlphabet Inc.5/96.7931.1+15.1%
MSFTMICROSOFT CORP6/94.4920.7+17.8%

All Services companies →

About TransUnion

TransUnion operates as a global consumer credit reporting agency that provides risk and information solutions. The company operates in two segments, U.S. Markets and International. The U.S. Markets segment provides credit reporting, credit marketing, analytics and consulting, identity verification, and authentication and debt recovery solutions for financial services industry; and onboarding and transaction processing products, scoring and analytic products, marketing solutions, fraud and identity management solutions, and customer retention solutions, as well select market-specific solutions for insurance, technology, retail and e-commerce, telecommunications, media, tenant and employment screening, collections, and public sectors. It also offers credit reports, scores, and freezes credit monitoring, identity protection and resolution, and financial management for consumers, as well as helps businesses respond to data breach events through its own websites, as well as channels. The International segment offers credit reports, analytics, technology solutions, and other value-added risk management services; consumer services, which helps consumers to manage their personal finances; credit bureaus; and consumer and business credit reporting, insurance and auto information solutions, and commercial credit information services. This segment serves customers in financial services, retail credit, insurance, automotive, collections, public sector, and communications industries through direct and indirect channels. The company was formerly known as TransUnion Holding Company, Inc. and changed its name to TransUnion in March 2015. TransUnion was founded in 1968 and is headquartered in Chicago, Illinois.

FAQ

Is TRU financially healthy?

TransUnion's Piotroski F-score is 8/9 (8–9 is excellent, 0–3 weak), and its Altman Z″ distress score is in the grey zone.

Does TRU pay a dividend, and is it safe?

Yes. TransUnion pays a dividend yielding about 0.67% with a 19.9% payout ratio, rated “safe” for safety.

How profitable is TRU?

In FY2025, TransUnion had a net margin of 10.0% and a return on equity of 10.0%.

Is TRU overvalued or undervalued?

TransUnion trades at about 34.2× trailing earnings — below its 10-year norm (10-year range 14.3×–618.5×, median 48.6×). Stocktoria reports the data, not buy/sell advice.

What is the analyst price target for TRU?

The average Wall-Street price target for TransUnion is $96.24, about 21.1% above the recent price, from 21 analysts (consensus: buy).

Is TRU a good stock to buy?

Stocktoria doesn't give buy or sell advice, but here is the data on TransUnion: a Piotroski F-score of 8/9, an Altman Z″ in the grey zone, a P/E of about 29.8×, a dividend yield of 0.67%. Weigh these quality and valuation signals against your own goals.

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.