TransUnion Stock Price, News & Analysis

TransUnion (NYSE:TRU) has released concerning data about federal student loan delinquencies following the resumption of federal collection activities. As of April 2025, 31.0% of federal student loan borrowers are 90+ days past due, nearly triple the 11.7% rate from February 2020.

Of the 5.8 million delinquent borrowers, approximately 1.8 million could default by July 2025, with an additional 3 million facing default by September. Delinquent borrowers have experienced an average credit score drop of 60 points, with over 20% of affected borrowers previously holding prime or above credit ratings.

The slight increase from March (30.6%) to April (31.0%) suggests delinquency rates may be approaching their peak.

TransUnion (NYSE: TRU) has appointed Alicia Zuiker as Executive Vice President and Chief Human Resources Officer (CHRO), effective June 23, 2025. Reporting to CEO Chris Cartwright, Zuiker will oversee TransUnion's Human Resources and Communications functions. She brings extensive experience in global talent strategies across financial services, digital enablement, and technology sectors. Prior to joining TransUnion, Zuiker served as Chief People Officer at Lyft and Visby Medical, and held HR leadership roles at Google Cloud and GE. She holds a master's degree in human resource management from Purdue University and a bachelor's degree in business administration and psychology from Alma College.

TransUnion's Q2 2025 Consumer Pulse study reveals a complex financial sentiment landscape among U.S. consumers. The study shows household financial pessimism reached 27%, marking the highest level since tracking began in Q1 2021, up from 21% in Q4 2024 and 23% a year ago. Despite rising pessimism, overall optimism remains stable at 55% compared to Q2 2024, though down from 58% in Q4 2024. Younger generations show the highest optimism, with Gen Z at 67% and Millennials at 64%. The survey, conducted between May 1-12, 2025, among 2,998 American adults, indicates that ongoing tariff discussions since April have increased uncertainty about future costs. However, strong employment conditions and sustained wage gains continue to support consumer confidence.

TransUnion's analysis of real-world campaigns reveals a significant performance gap in audience targeting decisions. The study, based on data from 25 clients across five verticals, shows that optimal targeting can yield up to 9x return on ad spend (ROAS) when combining six consumer characteristics correctly. Conversely, poor targeting decisions can result in up to -90% ROAS. The analysis evaluated 26 targeting attributes across categories like age, income, and neighborhood type. With single characteristic targeting, correct decisions yielded 97% ROAS while wrong decisions resulted in -49% ROAS. The impact compounds with multiple characteristics: two optimal traits showed 3.6X ROAS upside, three traits yielded 7.2X ROAS upside. The study analyzed $1.5 billion in campaign spend and 18.4 billion events across various media channels.

TransUnion's analysis reveals significant migration patterns in 2024, with Texas dominating as the top destination state. North Houston, Fort Worth, and Austin were the top three inbound markets, while consumers moved away from expensive urban areas like Miami, Houston, and Queens, NY. The study found notable generational differences: while those over 30 generally moved to southern states, Gen Z bucked the trend by moving to major cities like New York and Chicago. The research also highlighted challenges for insurers, particularly in tracking life insurance beneficiaries and assessing driver risk across state lines. TransUnion noted that traffic violations increased 8% in 2024 compared to 2023, reaching their highest levels since the pandemic began.

TransUnion's Q1 2025 Credit Industry Insights Report reveals that while total consumer credit balances grew from $14.1T to $18.0T (28%) between Q1 2020 and Q1 2025, inflation-adjusted growth was only 3%. Most credit risk tiers saw real balance declines, with prime consumers experiencing a 14% drop, while super prime saw 18% growth mainly due to mortgages. Only subprime showed a modest 1.9% real increase. Key metrics across credit products show mixed trends: Credit card delinquencies (90+ days) decreased to 2.43%, marking two consecutive quarters of YoY decline. Personal loan originations hit a record 6.3M in Q4 2024. Mortgage originations increased 30.2% YoY to 1.2M, though delinquencies rose to 1.44%. Auto loan originations grew 8% YoY to 6.2M, with super prime leading at 15.7% growth.

TransUnion (NYSE: TRU) has announced its participation in two upcoming investor conferences. President and CEO Chris Cartwright will present at the Bernstein Strategic Decisions Conference on May 28, 2025, at 8:00 a.m. CT. Subsequently, both Cartwright and Executive VP & CFO Todd Cello will present at the William Blair Growth Stock Conference on June 5, 2025, at 9:20 a.m. CT.

Investors can access live webcasts of both presentations through TransUnion's Investor Relations website, with replays available after the events.

TransUnion's latest Insurance Personal Lines Trends report reveals auto insurance shopping increased 10% and home insurance shopping rose 5% in Q1 2025 compared to Q1 2024. Higher-risk consumers emerged as the most active auto insurance shoppers for the first time since Q4 2021, suggesting insurers may be returning to traditional practices of targeting rate increases at higher-risk segments.

The report highlights significant changes in homeownership patterns, with only 41% of Millennials owning homes in 2024 compared to over 50% of Gen X in 2009. Multi-generational households are becoming more common, with only 38% of credit-active occupants living alone in 2024, down from 45% in 2009. Natural disasters have also doubled, with 27 billion-dollar-plus disasters in 2024, costing approximately $183 billion.

TransUnion (NYSE: TRU) has announced a quarterly cash dividend declaration for Q1 2025. The company's Board of Directors has approved a dividend payment of $0.115 per share. Shareholders who are recorded as owners of TRU stock by May 22, 2025, will receive the dividend payment on June 6, 2025.