What is TransUnion's earnings per share (EPS)?

TransUnion (TRU) reported diluted earnings per share of $2.32 for fiscal year 2025. This represents a 60.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

TransUnion Financials

TRU

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows TransUnion (TRU) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 13 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 53/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Profitability

TransUnion has an operating margin of 18.7%, meaning the company retains $19 of operating profit per $100 of revenue. This results in a moderate score of 64/100, indicating healthy but not exceptional operating efficiency. This is up from 15.9% the prior year.

Growth

TransUnion's revenue grew 9.4% year-over-year to $4.6B, a solid pace of expansion. This earns a growth score of 49/100.

Leverage

TransUnion carries a low D/E ratio of 1.15, meaning only $1.15 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 79/100, indicating a strong balance sheet with room for future borrowing.

Liquidity

TransUnion's current ratio of 1.75 indicates adequate short-term liquidity, earning a score of 31/100. The company can meet its near-term obligations, though with limited headroom.

Cash Flow

TransUnion has a free cash flow margin of 14.5%, earning a moderate score of 61/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

TransUnion's ROE of 10.3% shows moderate profitability relative to equity, earning a score of 34/100. This is up from 6.7% the prior year.

Altman Z-Score Grey Zone

2.32

TransUnion scores 2.32, placing it in the grey zone between 1.81 and 2.99. The score is driven primarily by a large market capitalization ($13.3B) relative to total liabilities ($6.6B). This signals moderate financial risk that warrants monitoring.

Piotroski F-Score Strong

8/9

TransUnion passes 8 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 3 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

2.17x

For every $1 of reported earnings, TransUnion generates $2.17 in operating cash flow ($987.6M OCF vs $455.4M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Interest Coverage Adequate

3.6x

TransUnion earns $3.6 in operating income for every $1 of interest expense ($857.8M vs $235.8M). This adequate coverage means the company can meet its interest obligations, but has limited cushion if earnings fall.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$4.6B

YoY+9.4%

5Y CAGR+12.6%

10Y CAGR+11.7%

TransUnion generated $4.6B in revenue in fiscal year 2025. This represents an increase of 9.4% from the prior year.

EBITDA

$1.4B

YoY+18.9%

5Y CAGR+11.1%

10Y CAGR+11.7%

TransUnion's EBITDA was $1.4B in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 18.9% from the prior year.

Net Income

$455.4M

YoY+60.1%

5Y CAGR+5.8%

10Y CAGR+54.4%

TransUnion reported $455.4M in net income in fiscal year 2025. This represents an increase of 60.1% from the prior year.

EPS (Diluted)

$2.32

YoY+60.0%

5Y CAGR+5.3%

10Y CAGR+50.1%

TransUnion earned $2.32 per diluted share (EPS) in fiscal year 2025. This represents an increase of 60.0% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$661.6M

YoY+28.0%

5Y CAGR+2.6%

10Y CAGR+14.1%

TransUnion generated $661.6M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 28.0% from the prior year.

Cash & Debt

$853.6M

YoY+25.6%

5Y CAGR+11.6%

10Y CAGR+20.4%

TransUnion held $853.6M in cash against $5.1B in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.46

YoY+9.5%

5Y CAGR+43.7%

TransUnion paid $0.46 per share in dividends in fiscal year 2025. This represents an increase of 9.5% from the prior year.

Shares Outstanding

193M

YoY-1.3%

5Y CAGR+0.2%

10Y CAGR+0.5%

TransUnion had 193M shares outstanding in fiscal year 2025. This represents a decrease of 1.3% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

18.7%

YoY+2.8pp

5Y CAGR-1.0pp

10Y CAGR+5.7pp

TransUnion's operating margin was 18.7% in fiscal year 2025, reflecting core business profitability. This is up 2.8 percentage points from the prior year.

Net Margin

10.0%

YoY+3.1pp

5Y CAGR-3.6pp

10Y CAGR+9.6pp

TransUnion's net profit margin was 10.0% in fiscal year 2025, showing the share of revenue converted to profit. This is up 3.1 percentage points from the prior year.

Return on Equity

10.3%

YoY+3.5pp

5Y CAGR-3.3pp

10Y CAGR+9.8pp

TransUnion's ROE was 10.3% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 3.5 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$302.0M

10Y CAGR+99.7%

TransUnion spent $302.0M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Capital Expenditures

$326.0M

YoY+3.2%

5Y CAGR+9.7%

10Y CAGR+9.4%

TransUnion invested $326.0M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 3.2% from the prior year.

TRU Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$4.6B+9.4%	$4.2B+9.2%	$3.8B+3.3%	$3.7B+25.3%	$3.0B+17.0%	$2.5B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$1.3B+2.1%	$1.2B+5.8%	$1.2B-0.7%	$1.2B+29.7%	$909.0M+9.6%	$829.7M
Operating Income	$857.8M+28.7%	$666.7M+418.8%	$128.5M-79.5%	$626.3M-3.9%	$651.9M+30.3%	$500.3M
Interest Expense	$235.8M-11.1%	$265.2M-8.0%	$288.2M+24.8%	$230.9M+105.1%	$112.6M-10.8%	$126.2M
Income Tax	$173.1M+75.2%	$98.8M+121.0%	$44.7M-62.4%	$118.9M-9.9%	$131.9M+57.6%	$83.7M
Net Income	$455.4M+60.1%	$284.4M+237.9%	-$206.2M-177.4%	$266.3M-80.8%	$1.4B+305.1%	$343.2M
EPS (Diluted)	$2.32+60.0%	$1.45+235.5%	$-1.07-177.5%	$1.38-80.8%	$7.20+302.2%	$1.79

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$1.2B+0.2%	$1.2B+2.6%	$1.1B+4.0%	$1.1B+5.7%	$1.0B-4.4%	$1.1B+4.2%	$1.0B+1.9%	$1.0B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$342.3M+3.5%	$330.8M-1.3%	$335.0M+30.5%	$256.8M-19.0%	$317.2M+3.8%	$305.7M-1.6%	$310.8M+1.7%	$305.6M
Operating Income	$203.6M-1.9%	$207.6M+8.0%	$192.2M-24.4%	$254.4M+49.0%	$170.7M+9.1%	$156.4M-14.3%	$182.4M+16.0%	$157.2M
Interest Expense	$61.5M-1.6%	$62.5M+12.2%	$55.7M-0.7%	$56.1M-9.5%	$62.0M-6.9%	$66.6M-1.9%	$67.9M-1.2%	$68.7M
Income Tax	$37.7M-24.6%	$50.0M+12.6%	$44.4M+8.3%	$41.0M+37.1%	$29.9M+20.1%	$24.9M-19.7%	$31.0M+138.5%	$13.0M
Net Income	$101.1M+4.7%	$96.6M-11.9%	$109.6M-26.0%	$148.1M+123.4%	$66.3M-2.5%	$68.0M-20.0%	$85.0M+30.6%	$65.1M
EPS (Diluted)	N/A	$0.49-12.5%	$0.56-25.3%	$0.75	N/A	$0.35-20.5%	$0.44+33.3%	$0.33

TRU Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$11.1B+1.2%	$11.0B-1.1%	$11.1B-4.8%	$11.7B-7.7%	$12.6B+72.8%	$7.3B
Current Assets	$2.0B+11.9%	$1.8B+22.1%	$1.5B+1.7%	$1.5B-44.9%	$2.6B+79.1%	$1.5B
Cash & Equivalents	$853.6M+25.6%	$679.5M+42.7%	$476.2M-18.6%	$585.3M-68.2%	$1.8B+273.9%	$492.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$905.0M+13.3%	$798.9M+10.5%	$723.0M+20.1%	$602.2M+7.9%	$558.0M+42.1%	$392.8M
Goodwill	$5.3B+2.2%	$5.1B-0.6%	$5.2B-6.8%	$5.6B+0.5%	$5.5B+71.3%	$3.2B
Total Liabilities	$6.6B-1.5%	$6.7B-4.8%	$7.0B-5.4%	$7.4B-14.3%	$8.6B+84.6%	$4.7B
Current Liabilities	$1.2B+8.9%	$1.1B+5.7%	$1.0B+10.7%	$905.5M-33.3%	$1.4B+102.6%	$669.8M
Long-Term Debt	$5.1B+0.5%	$5.1B-3.3%	$5.3B-5.5%	$5.6B-11.1%	$6.3B+83.9%	$3.4B
Total Equity	$4.4B+5.3%	$4.2B+5.2%	$4.0B-3.9%	$4.2B+6.7%	$3.9B+53.9%	$2.5B
Retained Earnings	$2.7B+15.5%	$2.4B+9.3%	$2.2B-11.8%	$2.4B+8.5%	$2.3B+140.5%	$937.4M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$11.1B0.0%	$11.1B0.0%	$11.1B+1.5%	$10.9B-0.3%	$11.0B-0.6%	$11.1B+0.3%	$11.0B0.0%	$11.0B
Current Assets	$2.0B+1.9%	$2.0B+3.8%	$1.9B+4.8%	$1.8B+0.9%	$1.8B+7.9%	$1.7B+8.2%	$1.5B+8.5%	$1.4B
Cash & Equivalents	$853.6M+13.8%	$749.9M+9.1%	$687.5M+12.7%	$609.9M-10.2%	$679.5M+5.6%	$643.2M+18.4%	$543.2M+25.3%	$433.6M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$905.0M+1.3%	$893.6M-0.3%	$895.9M+1.5%	$882.3M+10.4%	$798.9M+0.1%	$798.4M+2.5%	$778.6M+0.5%	$774.6M
Goodwill	$5.3B+0.1%	$5.3B-0.1%	$5.3B+1.8%	$5.2B+0.4%	$5.1B-0.8%	$5.2B+0.4%	$5.2B-0.2%	$5.2B
Total Liabilities	$6.6B+0.5%	$6.5B+0.7%	$6.5B+0.5%	$6.5B-3.1%	$6.7B-1.0%	$6.7B-0.8%	$6.8B-0.9%	$6.8B
Current Liabilities	$1.2B+17.2%	$984.9M+4.7%	$941.1M+5.9%	$888.5M-16.1%	$1.1B+6.4%	$995.7M+7.0%	$930.7M+8.1%	$861.0M
Long-Term Debt	$5.1B+1.3%	$5.0B-0.5%	$5.1B0.0%	$5.1B-0.3%	$5.1B-1.1%	$5.1B-0.8%	$5.2B-1.5%	$5.3B
Total Equity	$4.4B-0.8%	$4.5B-1.0%	$4.5B+3.1%	$4.4B+4.0%	$4.2B0.0%	$4.2B+2.0%	$4.1B+1.5%	$4.1B
Retained Earnings	$2.7B+3.0%	$2.6B+2.8%	$2.6B+3.5%	$2.5B+5.4%	$2.4B+2.0%	$2.3B+2.1%	$2.3B+3.0%	$2.2B

TRU Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$987.6M+18.6%	$832.5M+29.0%	$645.4M+117.2%	$297.2M-63.2%	$808.3M+2.6%	$787.6M
Capital Expenditures	$326.0M+3.2%	$315.8M+1.6%	$310.7M+4.2%	$298.2M+33.0%	$224.2M+9.0%	$205.6M
Free Cash Flow	$661.6M+28.0%	$516.7M+54.4%	$334.7M+33570.0%	-$1.0M-100.2%	$584.1M+0.4%	$582.0M
Investing Cash Flow	-$331.7M-7.9%	-$307.4M+3.6%	-$318.9M+55.9%	-$723.9M+67.3%	-$2.2B-728.2%	-$267.2M
Financing Cash Flow	-$494.6M-60.2%	-$308.7M+29.6%	-$438.8M+46.5%	-$820.5M-129.7%	$2.8B+1030.4%	-$296.9M
Dividends Paid	$90.5M+9.4%	$82.7M+1.1%	$81.8M+5.1%	$77.8M+11.5%	$69.8M+21.2%	$57.6M
Share Buybacks	$302.0M	$0	$0	N/A	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$319.5M-1.5%	$324.3M+11.3%	$291.3M+454.9%	$52.5M-79.3%	$254.0M+10.8%	$229.3M-22.3%	$295.2M+446.7%	$54.0M
Capital Expenditures	$96.7M+15.3%	$83.9M+9.0%	$77.0M+12.6%	$68.4M-41.6%	$117.1M+72.2%	$68.0M-0.4%	$68.3M+9.5%	$62.4M
Free Cash Flow	$222.8M-7.3%	$240.4M+12.2%	$214.3M+1447.8%	-$15.9M-111.6%	$136.9M-15.1%	$161.3M-28.9%	$226.9M+2801.2%	-$8.4M
Investing Cash Flow	-$24.6M+70.5%	-$83.4M+39.2%	-$137.1M-58.3%	-$86.6M+22.9%	-$112.3M-63.7%	-$68.6M-7.0%	-$64.1M-2.7%	-$62.4M
Financing Cash Flow	-$193.7M-11.6%	-$173.6M-100.2%	-$86.7M-113.5%	-$40.6M+54.5%	-$89.2M-28.5%	-$69.4M+41.6%	-$118.8M-279.6%	-$31.3M
Dividends Paid	$22.2M-4.3%	$23.2M+3.1%	$22.5M-0.4%	$22.6M+7.6%	$21.0M+0.5%	$20.9M+2.5%	$20.4M-1.9%	$20.8M
Share Buybacks	$149.4M+31.3%	$113.8M+240.7%	$33.4M+518.5%	$5.4M	$0	$0	$0	$0

TRU Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	18.7%+2.8pp	15.9%+12.6pp	3.4%-13.5pp	16.9%-5.1pp	22.0%+2.3pp	19.8%
Net Margin	10.0%+3.1pp	6.8%+12.2pp	-5.4%-12.6pp	7.2%-39.8pp	47.0%+33.4pp	13.6%
Return on Equity	10.3%+3.5pp	6.7%+11.9pp	-5.1%-11.5pp	6.4%-29.2pp	35.6%+22.1pp	13.5%
Return on Assets	4.1%+1.5pp	2.6%+4.5pp	-1.9%-4.1pp	2.3%-8.7pp	11.0%+6.3pp	4.7%
Current Ratio	1.75+0.0	1.70+0.2	1.47-0.1	1.60-0.3	1.94-0.3	2.19
Debt-to-Equity	1.15-0.1	1.20-0.1	1.31-0.0	1.33-0.3	1.60+0.3	1.34
FCF Margin	14.5%+2.1pp	12.3%+3.6pp	8.7%+8.8pp	-0.0%-19.8pp	19.7%-3.3pp	23.0%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	17.4%-0.4pp	17.8%+0.9pp	16.9%-6.4pp	23.2%+6.8pp	16.5%+2.0pp	14.4%-3.1pp	17.5%+2.1pp	15.4%
Net Margin	8.6%+0.4pp	8.3%-1.4pp	9.6%-3.9pp	13.5%+7.1pp	6.4%+0.1pp	6.3%-1.9pp	8.2%+1.8pp	6.4%
Return on Equity	2.3%+0.1pp	2.2%-0.3pp	2.4%-1.0pp	3.4%+1.8pp	1.6%-0.0pp	1.6%-0.5pp	2.1%+0.5pp	1.6%
Return on Assets	0.9%+0.0pp	0.9%-0.1pp	1.0%-0.4pp	1.4%+0.8pp	0.6%-0.0pp	0.6%-0.2pp	0.8%+0.2pp	0.6%
Current Ratio	1.75-0.3	2.01-0.0	2.02-0.0	2.05+0.3	1.70+0.0	1.68+0.0	1.660.0	1.65
Debt-to-Equity	1.15+0.0	1.130.0	1.12-0.0	1.15-0.1	1.20-0.0	1.22-0.0	1.25-0.0	1.29
FCF Margin	19.0%-1.5pp	20.6%+1.8pp	18.8%+20.3pp	-1.5%-14.7pp	13.2%-1.7pp	14.9%-6.9pp	21.8%+22.6pp	-0.8%

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Frequently Asked Questions

What is TransUnion's annual revenue?

TransUnion (TRU) reported $4.6B in total revenue for fiscal year 2025. This represents a 9.4% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is TransUnion's revenue growing?

TransUnion (TRU) revenue grew by 9.4% year-over-year, from $4.2B to $4.6B in fiscal year 2025.

Is TransUnion profitable?

Yes, TransUnion (TRU) reported a net income of $455.4M in fiscal year 2025, with a net profit margin of 10.0%.

What is TransUnion's EBITDA?

TransUnion (TRU) had EBITDA of $1.4B in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

How much debt does TransUnion have?

As of fiscal year 2025, TransUnion (TRU) had $853.6M in cash and equivalents against $5.1B in long-term debt.

What is TransUnion's operating margin?

TransUnion (TRU) had an operating margin of 18.7% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is TransUnion's net profit margin?

TransUnion (TRU) had a net profit margin of 10.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does TransUnion pay dividends?

Yes, TransUnion (TRU) paid $0.46 per share in dividends during fiscal year 2025.

What is TransUnion's return on equity (ROE)?

TransUnion (TRU) has a return on equity of 10.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is TransUnion's free cash flow?

TransUnion (TRU) generated $661.6M in free cash flow during fiscal year 2025. This represents a 28.0% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is TransUnion's operating cash flow?

TransUnion (TRU) generated $987.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are TransUnion's total assets?

TransUnion (TRU) had $11.1B in total assets as of fiscal year 2025, including both current and long-term assets.

What are TransUnion's capital expenditures?

TransUnion (TRU) invested $326.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does TransUnion buy back shares?

Yes, TransUnion (TRU) spent $302.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does TransUnion have outstanding?

TransUnion (TRU) had 193M shares outstanding as of fiscal year 2025.

What is TransUnion's current ratio?

TransUnion (TRU) had a current ratio of 1.75 as of fiscal year 2025, which is generally considered healthy.

What is TransUnion's debt-to-equity ratio?

TransUnion (TRU) had a debt-to-equity ratio of 1.15 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is TransUnion's return on assets (ROA)?

TransUnion (TRU) had a return on assets of 4.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is TransUnion's Altman Z-Score?

TransUnion (TRU) has an Altman Z-Score of 2.32, placing it in the Grey Zone (moderate risk). The Z-Score combines five financial ratios—working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets—to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.

What is TransUnion's Piotroski F-Score?

TransUnion (TRU) has a Piotroski F-Score of 8 out of 9, indicating strong financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are TransUnion's earnings high quality?

TransUnion (TRU) has an earnings quality ratio of 2.17x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

Can TransUnion cover its interest payments?

TransUnion (TRU) has an interest coverage ratio of 3.6x, meaning it can adequately cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.

How financially healthy is TransUnion?

TransUnion (TRU) scores 53 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.