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

TransUnion (NYSE:TRU) posted its quarterly earnings data on Tuesday. The business services provider reported $1.23 earnings per share for the quarter, beating the consensus estimate of $1.16 by $0.07, FiscalAI reports. TransUnion had a net margin of 15.08% and a return on equity of 16.29%. The firm had revenue of $1.31 billion for the quarter, compared to analysts’ expectations of $1.28 billion. During the same quarter last year, the company posted $1.08 EPS. The business’s quarterly revenue was up 14.9% on a year-over-year basis. 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 Price Performance

TRU stock opened at $83.84 on Thursday. The company has a debt-to-equity ratio of 1.07, a quick ratio of 1.93 and a current ratio of 1.90. TransUnion has a 52 week low of $63.37 and a 52 week high of $99.39. The firm’s fifty day moving average is $72.70 and its 200 day moving average is $73.63. The firm has a market cap of $16.16 billion, a P/E ratio of 22.12, a P/E/G ratio of 1.50 and a beta of 1.55.

TransUnion Dividend Announcement

The firm also recently disclosed a quarterly dividend, which was paid on Thursday, June 11th. Stockholders of record on Wednesday, May 27th were paid a $0.125 dividend. The ex-dividend date of this dividend was Wednesday, May 27th. This represents a $0.50 dividend on an annualized basis and a dividend yield of 0.6%. TransUnion’s dividend payout ratio is 13.19%.

Insider Buying and Selling

In other TransUnion news, CAO Jennifer A. Williams sold 972 shares of the business’s stock in a transaction on Tuesday, July 7th. The shares were sold at an average price of $80.00, for a total value of $77,760.00. Following the completion of the sale, the chief accounting officer directly owned 5,843 shares of the company’s stock, valued at $467,440. The trade was a 14.26% decrease in their ownership of the stock. The transaction was disclosed in a document filed with the SEC, which is available at the SEC website. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Also, EVP Heather J. Russell sold 6,683 shares of the company’s stock in a transaction dated Friday, May 29th. The shares were sold at an average price of $71.87, for a total transaction of $480,307.21. Following the sale, the executive vice president owned 45,248 shares of the company’s stock, valued at approximately $3,251,973.76. The trade was a 12.87% 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. Insiders have sold 53,650 shares of company stock worth $4,174,177 over the last 90 days. Insiders own 0.37% of the company’s stock.

Institutional Investors Weigh In On TransUnion

Several institutional investors have recently bought and sold shares of the stock. Royal Bank of Canada lifted its position in TransUnion by 85.3% in the first quarter. Royal Bank of Canada now owns 75,761 shares of the business services provider’s stock valued at $6,288,000 after purchasing an additional 34,867 shares during the last quarter. Geneos Wealth Management Inc. boosted its stake in shares of TransUnion by 1,318.2% during the first quarter. Geneos Wealth Management Inc. now owns 312 shares of the business services provider’s stock valued at $26,000 after purchasing an additional 290 shares during the period. Invesco Ltd. grew its holdings in shares of TransUnion by 4.5% in the second quarter. Invesco Ltd. now owns 578,599 shares of the business services provider’s stock worth $50,917,000 after purchasing an additional 24,736 shares during the last quarter. EverSource Wealth Advisors LLC grew its holdings in shares of TransUnion by 59.5% in the second quarter. EverSource Wealth Advisors LLC now owns 528 shares of the business services provider’s stock worth $46,000 after purchasing an additional 197 shares during the last quarter. Finally, The Manufacturers Life Insurance Company increased its stake in shares of TransUnion by 2.2% in the second quarter. The Manufacturers Life Insurance Company now owns 576,019 shares of the business services provider’s stock worth $50,690,000 after buying an additional 12,280 shares during the period.

More TransUnion News

Here are the key news stories impacting TransUnion this week:

• Positive Sentiment: TransUnion reported second-quarter revenue of $1.31 billion, up 14.9% year over year and ahead of the $1.28 billion consensus estimate. Adjusted EPS of $1.23 also exceeded expectations of roughly $1.14-$1.16 and rose from $1.08 a year earlier. TransUnion beats Q2 earnings and revenue estimates
• Positive Sentiment: Management raised fiscal 2026 EPS guidance to $4.75-$4.83 and expects full-year revenue of approximately $5.1-$5.2 billion. Platform modernization, product diversification, financial-services demand and acquisition-led growth in Latin America are supporting the outlook. TRU Q2 deep dive
• Positive Sentiment: Analysts responded favorably: Wells Fargo raised its target to $102 from $90 while maintaining Overweight; Baird lifted its target to $115 from $108 with an Outperform rating; Needham increased its target to $100 from $95 with a Buy rating; and Stifel raised its target to $96. TransUnion strong Q2 beat and raised guidance
• Neutral Sentiment: Third-quarter EPS guidance of $1.18-$1.21 is broadly consistent with expectations. With the shares trading above their longer-term moving averages after the earnings-driven advance, investors may require continued execution to support further gains.
• Negative Sentiment: EVP Mohamed Abdelsadek sold 23,495 shares for approximately $2.0 million, reducing his holdings by 29.1%. The sale occurred under a pre-arranged Rule 10b5-1 plan, limiting its significance, although data showing 14 insider sales and no purchases during the past six months could weigh modestly on sentiment. SEC insider sale filing
• Negative Sentiment: TransUnion also flagged a surge in auto-loan fraud losses, a risk that could pressure lending-related customers and create headwinds for credit-market growth.

Analyst Ratings Changes

Several research analysts recently issued reports on the stock. BMO Capital Markets upped their target price on shares of TransUnion from $85.00 to $98.00 and gave the stock an “outperform” rating in a research report on Wednesday. Mizuho lowered their price target on TransUnion from $88.00 to $77.00 and set a “neutral” rating on the stock in a research report on Thursday, July 2nd. Needham & Company LLC lifted their price target on TransUnion from $95.00 to $100.00 and gave the stock a “buy” rating in a research note on Wednesday. Robert W. Baird upped their price objective on TransUnion from $108.00 to $115.00 and gave the stock an “outperform” rating in a report on Wednesday. Finally, BNP Paribas Exane upgraded TransUnion from a “neutral” rating to an “outperform” rating in a research report on Tuesday. Ten research analysts have rated the stock with a Buy rating and six have given a Hold rating to the company. According to MarketBeat, the stock presently has an average rating of “Moderate Buy” and an average price target of $94.38.

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.