TransUnion (NYSE:TRU) Posts Earnings Results, Beats Expectations By $0.04 EPS

TransUnion (NYSE:TRU) issued its quarterly earnings results on Thursday. The business services provider reported $1.07 earnings per share for the quarter, topping analysts’ consensus estimates of $1.03 by $0.04, Briefing.com reports. The company had revenue of $1.17 billion during the quarter, compared to the consensus estimate of $1.13 billion. TransUnion had a net margin of 9.95% and a return on equity of 16.19%. The firm’s quarterly revenue was up 13.0% on a year-over-year basis. During the same quarter in the prior year, the firm posted $0.97 EPS. 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 4.3%

TRU traded up $3.02 during trading on Friday, reaching $73.83. 3,865,323 shares of the company’s stock were exchanged, compared to its average volume of 3,182,432. The company has a current ratio of 1.75, a quick ratio of 2.01 and a debt-to-equity ratio of 1.08. TransUnion has a one year low of $65.24 and a one year high of $101.19. The firm has a fifty day moving average price of $82.24 and a two-hundred day moving average price of $84.25. The stock has a market capitalization of $14.34 billion, a PE ratio of 31.83, a price-to-earnings-growth ratio of 1.33 and a beta of 1.70.

TransUnion Increases Dividend

The firm also recently announced 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. The ex-dividend date is Thursday, February 26th. This represents a $0.50 annualized dividend and a yield of 0.7%. This is a boost from TransUnion’s previous quarterly dividend of $0.12. TransUnion’s dividend payout ratio is 21.50%.

Insider Transactions at TransUnion

In related news, insider Todd C. Skinner sold 500 shares of the business’s stock in a transaction on Monday, February 2nd. The shares were sold at an average price of $78.79, for a total value of $39,395.00. Following the sale, the insider owned 31,725 shares of the company’s stock, valued at $2,499,612.75. The trade was a 1.55% decrease in their ownership of the stock. The sale was disclosed in a document filed with the SEC, which is available through the SEC website. Also, insider Steven M. Chaouki sold 1,000 shares of TransUnion stock in a transaction dated Friday, January 2nd. The stock was sold at an average price of $85.71, for a total value of $85,710.00. Following the transaction, the insider directly owned 61,592 shares in the company, valued at $5,279,050.32. The trade was a 1.60% decrease in their ownership of the stock. The SEC filing for this sale provides additional information. Over the last 90 days, insiders have sold 7,818 shares of company stock worth $663,883. Company insiders own 0.22% of the company’s stock.

Institutional Trading of TransUnion

A number of institutional investors and hedge funds have recently added to or reduced their stakes in the company. Geneos Wealth Management Inc. raised its holdings in TransUnion by 1,318.2% during the 1st quarter. Geneos Wealth Management Inc. now owns 312 shares of the business services provider’s stock worth $26,000 after purchasing an additional 290 shares during the last quarter. Measured Wealth Private Client Group LLC bought a new position in TransUnion during the third quarter worth $36,000. Osterweis Capital Management Inc. bought a new position in TransUnion during the second quarter worth $45,000. EverSource Wealth Advisors LLC lifted its holdings in TransUnion by 59.5% in the second quarter. EverSource Wealth Advisors LLC now owns 528 shares of the business services provider’s stock valued at $46,000 after buying an additional 197 shares during the period. Finally, Caitong International Asset Management Co. Ltd bought a new stake in TransUnion during the third quarter valued at $62,000.

More TransUnion News

Here are the key news stories impacting TransUnion this week:

• Positive Sentiment: Q4 results beat Street estimates: revenue and adjusted EPS topped consensus and full‑year revenue and EPS guidance for FY2026 were reiterated/raised, supporting the view that core credit/analytics demand remains healthy. TransUnion Announces Strong Fourth Quarter and Full-Year 2025 Results
• Positive Sentiment: Management issued Q1 and FY2026 guidance that was modestly above consensus (Q1 EPS 1.08–1.10; FY EPS 4.63–4.71), which reduces short‑term execution risk and supports near‑term earnings visibility. TransUnion earnings summary & guidance (MarketBeat)
• Positive Sentiment: Dividend increase: TransUnion raised the quarterly payout to $0.125 (≈8.7% raise), signaling confidence in cash generation and returning modest income to shareholders. (Company release / earnings materials)
• Positive Sentiment: Product expansion: management emphasized rent‑data and other product initiatives to broaden credit reporting and non‑credit revenue opportunities — a potential multi‑year growth lever. TransUnion rent data push tests new credit reporting opportunities
• Neutral Sentiment: Earnings materials and call transcripts are available for investors to parse segment trends (U.S. consumer, risk solutions, international) and margin commentary; useful for modeling but informational. TransUnion Q4 2025 earnings call transcript (Seeking Alpha)
• Neutral Sentiment: Deep‑dive coverage frames the print as a mix of solid execution and a deliberately conservative FY2026 outlook — helpful context but not a direct driver. TRU Q4 Deep Dive: U.S. Growth, Product Expansion, and Conservative 2026 Outlook
• Negative Sentiment: Analysts trimmed forecasts and cut price targets after the report; while ratings largely remain Buy/Overweight, lower targets from firms such as Stifel, Wells Fargo and Needham increase near‑term skepticism and cap upside. TransUnion Analysts Slash Their Forecasts After Q4 Results (Benzinga)
• Negative Sentiment: Specific price‑target cuts: Stifel lowered to $88, Wells Fargo to $90, Needham to $95 — these trims reflect more cautious multi‑year assumptions and temper immediate upside expectations. Benzinga: price target updates Needham price target cut (The Fly)

Wall Street Analysts Forecast Growth

A number of brokerages have weighed in on TRU. UBS Group set a $90.00 target price on TransUnion and gave the company a “neutral” rating in a report on Friday, October 24th. Needham & Company LLC reduced their price objective on TransUnion from $115.00 to $95.00 and set a “buy” rating on the stock in a research note on Friday. Morgan Stanley set a $105.00 target price on TransUnion in a research report on Friday. The Goldman Sachs Group reissued a “neutral” rating and issued a $80.00 target price on shares of TransUnion in a report on Friday. Finally, Deutsche Bank Aktiengesellschaft restated a “buy” rating and issued a $111.00 price target on shares of TransUnion in a research note on Friday. One equities research analyst has rated the stock with a Strong Buy rating, eight have given a Buy rating, four have assigned a Hold rating and one has issued a Sell rating to the company. According to MarketBeat.com, the stock currently has an average rating of “Moderate Buy” and an average price target of $95.00.

About TransUnion

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.