TransUnion Stock Price, News & Analysis

TransUnion (NYSE:TRU) has unveiled a comprehensive analysis identifying four distinct consumer segments based on their ability to cope with inflation. The study reveals that 35% of Americans are keeping up with inflation, while 43% are struggling.

The analysis categorizes consumers into: Stable Spenders (high-income, ages 35-64), Young Strivers (urban Gen Z/Millennials), Purposeful Planners (young families earning $75k-$150k), and Budgeting Realists (struggling 45-64 age group). Each segment displays unique spending behaviors, financial confidence levels, and marketing response patterns.

The research, combining TransUnion's Consumer Pulse Study and TruAudience Consumer Insights tool, aims to help marketers better understand and target these distinct consumer groups with relevant messaging and offers.

TransUnion (NYSE:TRU) reports that consumers self-reporting rent payments to credit agencies increased to 13% in 2025, up from 11% in 2024. This trend aligns with a new Federal Housing Finance Agency (FHFA) policy requiring Fannie Mae and Freddie Mac to accept VantageScore 4.0 scores and consider rent payment history in mortgage applications.

However, property manager participation in rent reporting decreased to 44% in 2025 from 48% in 2024, the first decline since 2022. Despite this, 57% of renters prefer property managers who report payments, and 80% are more likely to pay on time when payments are reported. Among generations, Gen Z leads in participation at 18%, though this represents a decline from 26% in 2024.

TransUnion (NYSE:TRU) has partnered with Prime Radiant to launch an integrated personal cybersecurity platform targeting executives, high-net-worth individuals, and families. The comprehensive solution combines identity monitoring, home network security, cyber risk assessments, and insurance-backed remediation through a single point of contact.

The platform features the Fortress™ home network protection system and offers up to $2 million in personal cyber insurance coverage. Key services include 24/7 incident response, TransUnion's TruEmpower™ Cyber Protection, and access to dedicated cybersecurity experts. The solution is IRS Section 132 compliant, making it eligible as a tax-free, employer-sponsored benefit.

This partnership addresses the growing cyber threats faced by executives, with 51% of corporate executives' personal accounts attacked in 2025, representing a 43% increase from 2023.

TransUnion (NYSE:TRU) announced that President and CEO Chris Cartwright will present at the upcoming Barclays Global Financial Services Conference on September 9, 2025, at 9:30 a.m. CT (10:30 a.m. ET).

Investors can access the presentation through a live webcast on TransUnion's Investor Relations website. A replay will be available following the presentation at www.transunion.com/tru.

TransUnion (NYSE:TRU) has released a comprehensive analysis revealing a significant correlation between rising payment-to-income (PTI) ratios and mortgage delinquency rates. The study shows mortgage delinquencies have increased from 0.89% in Q2 2023 to 1.27% in Q2 2025.

The analysis, examining nearly 57 million mortgage consumers, demonstrates that increases in non-mortgage debt obligations, particularly in credit cards, HELOCs, and student loans, serve as early warning signs for potential mortgage defaults. Credit card PTI ratios rose from 2.18% to 2.33% throughout 2023, correlating with increased mortgage delinquency rates in the following year.

TransUnion recommends quarterly monitoring of consumer credit data to identify emerging risks before they manifest in traditional credit scores.

TransUnion (NYSE:TRU) released its Q2 2025 Credit Industry Insights Report showing signs of stability and measured growth in the U.S. consumer credit market. Credit card originations increased 4.5% YoY to 18.5 million in Q1 2025, while balances grew 4.5% YoY to $1.09 trillion.

Key highlights include a 9 basis point decline in credit card delinquencies, an 18% YoY increase in unsecured personal loan originations to 5.4 million accounts, and stable personal loan delinquency rates at 3.37%. The mortgage sector saw a 5.1% YoY increase in originations, while auto loan originations grew 5.9% YoY despite rising vehicle prices.

The report indicates consumers are demonstrating resilience and financial discipline despite ongoing economic challenges, with improvements in charge-off trends and declining delinquency rates across multiple credit categories.

TransUnion (NYSE:TRU) reported significant increases in insurance shopping activity during Q2 2025, with auto insurance shopping up 18% and home insurance shopping rising 9% year-over-year. The company's research revealed that 42% of auto insurance shoppers switched insurers in the past 18 months, with a quarter of recent switchers being previously loyal customers of over 6 years.

Insurance carriers have responded by increasing marketing spend by 23% year-over-year across multiple channels. A TransUnion case study demonstrated that clean data management led to $1 million in reduced direct mail costs and nearly $5 million in additional revenue for one carrier. The company's research also showed that using just two characteristics in audience targeting can increase return on ad spend by up to 3.6x.

TransUnion (NYSE: TRU) has announced a quarterly cash dividend of $0.115 per share for the second quarter of 2025. The dividend will be distributed to shareholders of record as of August 22, 2025, with the payment scheduled for September 8, 2025.

TransUnion (NYSE:TRU) has released new research revealing that 18 million auto loan borrowers in the U.S. could benefit from refinancing their loans. These "in-the-money" borrowers currently have rates above prevailing market APRs, with over half having estimated APRs exceeding 10%.

While average monthly savings from auto refinancing decreased from $107 in 2021 to $90 in 2024, the analysis shows that a 25-basis point rate cut could increase eligible borrowers to 20 million, while a 100-basis point reduction could add another 6.5 million borrowers.

The study also found that refinanced auto loans demonstrate superior performance compared to original purchase loans, with refinance borrowers showing 170 basis points lower delinquency rates at the 12-month mark, and even better performance in the near prime segment with a 320 basis point advantage.