TransUnion (TRU) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 3, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q1 FY2026, filed Apr 28, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the TRU SEC filings page.
TransUnion (TRU) reported $4.7B in revenue over the twelve months to Mar 31, 2026, up 11.0% from the prior twelve months. This page shows its 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).
TransUnion's FY2025 recovery combined expanding operating margins with cash generation and a steadily less debt-heavy balance sheet.
Cash conversion improved alongside the recovery: operating cash flow rose from$645M in FY2023 to$988M in FY2025, signaling that the accounting rebound was translating into operating cash. Accounts receivable also increased from$723M to$905M , so stronger cash production occurred despite more customer balances being tied up in the business.
Deleveraging is reshaping the balance sheet: total liabilities fell from
Reinvestment remained absorbable: FY2025 free cash flow was
Financial Health Signals
Scored against operating companies for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of TransUnion's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
TransUnion has an operating margin of 18.7%, meaning the company retains $19 of operating profit per $100 of revenue. This strong profitability earns a score of 73/100, reflecting efficient cost management and pricing power. This is up from 15.9% the prior year.
TransUnion's revenue grew 9.4% year-over-year to $4.6B, a solid pace of expansion. This earns a growth score of 63/100.
TransUnion has elevated debt relative to equity (D/E of 1.11), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 23/100, reflecting increased financial risk.
TransUnion's current ratio of 1.75 indicates adequate short-term liquidity, earning a score of 51/100. The company can meet its near-term obligations, though with limited headroom.
TransUnion converts 14.5% of revenue into free cash flow ($661.6M). This strong cash generation earns a score of 73/100.
TransUnion's ROE of 10.3% shows moderate profitability relative to equity, earning a score of 55/100. This is up from 6.7% the prior year.
TransUnion scores 2.21, placing it in the grey zone between 1.81 and 2.99. The score is driven primarily by a large market capitalization ($12.2B) relative to total liabilities ($6.6B). This signals moderate financial risk that warrants monitoring.
Distress-screening estimate for non-financial companies. Not computed for banks or insurers, where the Altman model does not apply.
TransUnion passes 8 of 8 computable financial strength tests (1 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 3 leverage/liquidity signals pass, both operating efficiency signals pass.
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.
TransUnion earns $3.64 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
Earnings & Revenue
TransUnion generated $1.2B in revenue in Q1 2026. This represents an increase of 13.7% from the same quarter a year earlier. Against the prior quarter it is up 6.3%.
TransUnion's EBITDA was $397.1M in Q1 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 1.0% from the same quarter a year earlier. Against the prior quarter it is up 13.1%.
TransUnion reported $397.1M in net income in Q1 2026. This represents an increase of 168.1% from the same quarter a year earlier. Against the prior quarter it is up 292.8%.
TransUnion earned $2.04 per diluted share (EPS) in Q1 2026. This represents an increase of 172.0% from the same quarter a year earlier. Against the prior quarter it is up 292.3%.
Cash & Balance Sheet
TransUnion generated $19.0M in free cash flow in Q1 2026, representing cash available after capex. This represents an increase of 219.5% from the same quarter a year earlier. Against the prior quarter it is down 91.5%.
TransUnion held $732.5M in cash against $5.4B in long-term debt as of Q1 2026.
TransUnion paid $0.13 per share in dividends in Q1 2026. This represents an increase of 8.7% from the same quarter a year earlier.
Margins & Returns
TransUnion's operating margin was 19.7% in Q1 2026, reflecting core business profitability. This is down 3.6 percentage points from the same quarter a year earlier. Against the prior quarter it is up 2.3 percentage points.
TransUnion's net profit margin was 31.9% in Q1 2026, showing the share of revenue converted to profit. This is up 18.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 23.3 percentage points.
TransUnion's ROE was 8.3% in Q1 2026, measuring profit generated per dollar of shareholder equity. This is up 5.0 percentage points from the same quarter a year earlier. Against the prior quarter it is up 6.1 percentage points.
Not reported for Q1 2026.
Capital Allocation
TransUnion spent $12.1M on share buybacks in Q1 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 124.1% from the same quarter a year earlier. Against the prior quarter it is down 91.9%.
TransUnion invested $65.2M in capex in Q1 2026, funding long-term assets and infrastructure. This represents a decrease of 4.7% from the same quarter a year earlier. Against the prior quarter it is down 32.6%.
Not reported for Q1 2026.
TRU Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q | Q2'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.2B+13.7% | $1.2B+13.0% | $1.2B+7.8% | $1.1B+9.5% | $1.1B+7.3% | $1.0B+8.6% | $1.1B+12.0% | $1.0B+7.5% |
| SG&A Expenses | $329.1M+28.2% | $342.3M+7.9% | $330.8M+8.2% | $335.0M+7.8% | $256.8M-16.0% | $317.2M | $305.7M+5.1% | $310.8M+6.3% |
| Operating Income | $244.8M-3.8% | $203.6M+19.3% | $207.6M+32.7% | $192.2M+5.4% | $254.4M+61.8% | $170.7M+178.5% | $156.4M+166.2% | $182.4M+15.2% |
| EBITDA | $397.1M+1.0% | $351.2M+14.0% | $353.2M+21.8% | $334.9M+6.2% | $393.3M+35.1% | $308.0M+58.3% | $290.0M+376.2% | $315.3M+9.3% |
| Interest Expense | $62.0M+10.5% | $61.5M-0.8% | $62.5M-6.2% | $55.7M-18.0% | $56.1M-18.3% | $62.0M | $66.6M-8.4% | $67.9M-6.5% |
| Income Tax | $27.6M-32.7% | $37.7M+26.1% | $50.0M+100.8% | $44.4M+43.2% | $41.0M+215.4% | $29.9M | $24.9M+12.2% | $31.0M+60.6% |
| Net Income | $397.1M+168.1% | $101.1M+52.5% | $96.6M+42.1% | $109.6M+28.9% | $148.1M+127.5% | $66.3M+986.9% | $68.0M+121.3% | $85.0M+57.7% |
| EPS (Basic) | $2.06+171.1% | $0.52+52.9% | $0.50+42.9% | $0.56+27.3% | $0.76+123.5% | $0.34+1033.3% | $0.35+121.2% | $0.44+57.1% |
| EPS (Diluted) | $2.04+172.0% | $0.52+52.9% | $0.49+40.0% | $0.56+27.3% | $0.75+127.3% | $0.34+1033.3% | $0.35+121.2% | $0.44+57.1% |
| Diluted Shares (Avg) | 195M-1.4% | N/A | 197M+0.1% | 197M+1.0% | 197M+1.0% | N/A | 197M+1.9% | 195M+0.6% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses.
TRU Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q | Q2'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $12.0B+10.0% | $11.1B+1.2% | $11.1B+0.5% | $11.1B+0.8% | $10.9B-0.7% | $11.0B-1.1% | $11.1B-0.4% | $11.0B-5.2% |
| Current Assets | $2.0B+10.9% | $2.0B+11.9% | $2.0B+18.5% | $1.9B+23.4% | $1.8B+27.8% | $1.8B+22.1% | $1.7B+19.1% | $1.5B+8.9% |
| Cash & Equivalents | $732.5M+20.1% | $853.6M+25.6% | $749.9M+16.6% | $687.5M+26.6% | $609.9M+40.7% | $679.5M+42.7% | $643.2M+52.8% | $543.2M+22.9% |
| Short-Term Investments | $600K-76.9% | $2.7M+8.0% | $2.6M-7.1% | $2.5M-3.8% | $2.6M0.0% | $2.5M-7.4% | $2.8M+7.7% | $2.6M0.0% |
| Accounts Receivable | $1.0B+18.7% | $905.0M+13.3% | $893.6M+11.9% | $895.9M+15.1% | $882.3M+13.9% | $798.9M+10.5% | $798.4M+15.0% | $778.6M+15.7% |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $5.8B+11.9% | $5.3B+2.2% | $5.3B+1.3% | $5.3B+1.8% | $5.2B-0.1% | $5.1B-0.6% | $5.2B+0.6% | $5.2B-7.8% |
| Total Liabilities | $7.1B+10.5% | $6.6B-1.5% | $6.5B-2.9% | $6.5B-4.4% | $6.5B-5.7% | $6.7B-4.8% | $6.7B-3.6% | $6.8B-5.3% |
| Current Liabilities | $1.0B+17.7% | $1.2B+8.9% | $984.9M-1.1% | $941.1M+1.1% | $888.5M+3.2% | $1.1B+5.7% | $995.7M+9.3% | $930.7M-0.6% |
| Non-Current Liabilities | $6.1B+9.3% | $5.4B-3.4% | $5.5B-3.3% | $5.6B-5.2% | $5.6B-7.0% | $5.6B-6.5% | $5.7B-5.6% | $5.9B-6.0% |
| Long-Term Debt | $5.4B+6.8% | $4.9B-3.3% | $5.0B-1.9% | $5.1B-2.2% | $5.1B-3.7% | $5.1B-3.3% | $5.1B-2.3% | $5.2B-3.4% |
| Total Equity | $4.8B+8.4% | $4.4B+5.3% | $4.5B+6.1% | $4.5B+9.3% | $4.4B+7.6% | $4.2B+5.2% | $4.2B+5.2% | $4.1B-5.2% |
| Retained Earnings | $3.1B+24.6% | $2.7B+15.5% | $2.6B+14.3% | $2.6B+13.5% | $2.5B+13.0% | $2.4B+9.3% | $2.3B+6.5% | $2.3B-9.8% |
Not reported in any period shown, so not listed: Inventory.
TRU Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q | Q2'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $84.2M+60.4% | $319.5M+25.8% | $324.3M+41.4% | $291.3M-1.3% | $52.5M-2.8% | $254.0M+25.9% | $229.3M+52.0% | $295.2M+37.1% |
| Depreciation & Amortization | $152.3M+9.6% | $147.6M+7.5% | $145.6M+9.0% | $142.7M+7.4% | $138.9M+3.7% | $137.3M+3.0% | $133.6M+1.8% | $132.9M+2.2% |
| Stock-Based Compensation | $37.5M+23.8% | N/A | N/A | N/A | $30.3M+25.7% | N/A | N/A | N/A |
| Capital Expenditures | $65.2M-4.7% | $96.7M-17.4% | $83.9M+23.4% | $77.0M+12.7% | $68.4M+9.6% | $117.1M+20.1% | $68.0M-2.3% | $68.3M-11.4% |
| Free Cash Flow | $19.0M+219.5% | $222.8M+62.7% | $240.4M+49.0% | $214.3M-5.6% | -$15.9M-89.3% | $136.9M+31.3% | $161.3M+98.4% | $226.9M+64.2% |
| Investing Cash Flow | -$586.7M-577.5% | -$24.6M+78.1% | -$83.4M-21.6% | -$137.1M-113.9% | -$86.6M-38.8% | -$112.3M-27.0% | -$68.6M-54.5% | -$64.1M+22.3% |
| Financing Cash Flow | $400.9M+1087.4% | -$193.7M-117.2% | -$173.6M-150.1% | -$86.7M+27.0% | -$40.6M-29.7% | -$89.2M-40.5% | -$69.4M+42.7% | -$118.8M+10.1% |
| Dividends Paid | $25.0M+10.6% | $22.2M+5.7% | $23.2M+11.0% | $22.5M+10.3% | $22.6M+8.7% | $21.0M+2.9% | $20.9M+2.0% | $20.4M-1.9% |
| Share Buybacks | $12.1M+124.1% | $149.4M | $113.8M | $33.4M | $5.4M | $0 | $0 | $0 |
TRU Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q | Q2'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Margin | 19.7%-3.6pp | 17.4%+0.9pp | 17.8%+3.3pp | 16.9%-0.7pp | 23.2%+7.8pp | 16.5%+10.0pp | 14.4%+38.8pp | 17.5%+1.2pp |
| Net Margin | 31.9%+18.4pp | 8.6%+2.2pp | 8.3%+2.0pp | 9.6%+1.4pp | 13.5%+7.1pp | 6.4%+5.8pp | 6.3%+39.2pp | 8.2%+2.6pp |
| Return on Equity | 8.3%+5.0pp | 2.3%+0.7pp | 2.2%+0.6pp | 2.4%+0.4pp | 3.4%+1.8pp | 1.6%+1.4pp | 1.6%+9.6pp | 2.1%+0.8pp |
| Return on Assets | 3.3%+2.0pp | 0.9%+0.3pp | 0.9%+0.2pp | 1.0%+0.2pp | 1.4%+0.8pp | 0.6%+0.5pp | 0.6%+3.5pp | 0.8%+0.3pp |
| Current Ratio | 1.93-0.1x | 1.750.0x | 2.01+0.3x | 2.02+0.4x | 2.05+0.4x | 1.70+0.2x | 1.68+0.1x | 1.66+0.1x |
| Debt-to-Equity | 1.140.0x | 1.11-0.1x | 1.13-0.1x | 1.12-0.1x | 1.15-0.1x | 1.20-0.1x | 1.22-0.1x | 1.250.0x |
| Asset Turnover | 0.100.0x | 0.110.0x | 0.110.0x | 0.100.0x | 0.100.0x | 0.090.0x | 0.100.0x | 0.090.0x |
| FCF Margin | 1.5%+3.0pp | 19.0%+5.8pp | 20.6%+5.7pp | 18.8%-3.0pp | -1.5%-0.6pp | 13.2%+2.3pp | 14.9%+6.5pp | 21.8%+7.5pp |
Not reported in any period shown, so not listed: Gross Margin.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| TransUnion TRU | FY2025 | $4.6B | $455.4M | 10.0% | $12.2B | 56/100 |
| Factset Research Systems FDS | FY2025 | $2.3B | $597.0M | 25.7% | $9.9B | 68/100 |
| Cboe Global Markets, Inc. CBOE | FY2025 | $4.7B | $1.1B | 23.3% | $28.9B | — |
| Morningstar, Inc. MORN | FY2025 | $2.4B | $374.2M | 15.3% | $7.2B | 62/100 |
| Nasdaq, Inc. NDAQ | FY2025 | $8.3B | $1.8B | 21.6% | $51.2B | 61/100 |
| MSCI, Inc. MSCI | FY2025 | $3.1B | $1.2B | 38.4% | $39.6B | 66/100 |
Where TransUnion Ranks
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 $4.9B 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.
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 1.11 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 P/E ratio?
TransUnion (TRU) trades at 17.3x earnings, its market capitalization divided by net income of $704.4M net income, trailing 12 months to March 31, 2026. The market capitalization is $12.2B as of Oct 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is TransUnion's price-to-sales ratio?
TransUnion (TRU) trades at 2.6x sales, its market capitalization divided by revenue of $4.7B revenue, trailing 12 months to March 31, 2026. The market capitalization is $12.2B as of Oct 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is TransUnion's Altman Z-Score?
TransUnion (TRU) has an Altman Z-Score of 2.21, 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 8 computable signals; 1 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 3.64x, 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 56 out of 100 on our Financial Health Score, indicating moderate standing within its operating companies peer group. The score is a 0-100 composite of six dimensions (Profitability, Growth, Leverage, Liquidity, Cash Flow, Returns), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.