Touchstone
Last syncNov 1, 2026, 6:55 PM ET

TRU

Transunion Industrials Services-Consumer Credit Reporting, Collection Agencies Russell 3000
$76.79Close $14.8BMarket cap $61.12 – $87.5452-week range Late-januaryNext report · estimated

Highlights

Strengths

  • Earnings growing EPS +66% year on year, faster than the quarter before (+32 pts)

Cautions

  • Not in an uptrend 4 of 8 trend conditions
  • Lagging the market RS 41 · weaker than 59% of stocks over 12 months

Price

Filing Results Screen pick 52-week high and low Adjusted prices

Key figures

FY to Dec 31, 2025 · filed Oct 27, 2026
Off 12-month high 12%
1wk down 5.8% price change
1mo up 25.6% price change
12-month return down 3% market up 11% · its own down 15%
F-score — — Not assessed
Altman Z″ 2.54 Moderate risk
P/E 32.4× price / earnings
PEG 0.54 P/E / EPS growth
P/B 3.3× price / book
Earnings yield up 4.6% EBIT / enterprise value
Cheaper than 58% of the market · around average
Revenue growth up 9% year on year
EPS growth up 66% latest quarter · +32 pts
Sales growth up 12% latest quarter · -3 pts
ROE up 11% return on equity
Free cash margin up 14% $661.6M FCF
D/E 1.11 long-term debt / equity
Net debt / EBITDA 2.8×
Interest cover —EBIT / interest

Trade setup

ATR% 4.4% $3.40 a day · 2×ATR $69.99
RS 41 / 99 vs the universe
Trend 4 / 8 trend template
Relative volume 1.2× vs 50-day average
Up/down volume 0.73 50 sessions
Implied move — no scheduled report
Contractions 2 29% → 12%
Pivot $83.86 8.4% below
Volume dry-up 1.3× 10 vs 50 sessions
Trend template · 4 of 8
  • Price above the 150 and 200-day averages: passes
  • 150-day average above the 200-day: fails
  • 200-day average rising for a month: fails
  • 50-day average above the 150 and 200-day: passes
  • Price above the 50-day average: passes
  • At least 30% above the 52-week low: fails
  • Within 25% of the 52-week high: passes
  • RS rank 70 or higher: fails

Screen verdict

Did not qualify for any screen.

Warning signs

none flagged
  • No restatement or impairment
  • Equity positive
  • Interest covered
  • No material dilution
  • Profits tracking cash
  • Margins and revenue not shrinking
Last reported Oct 27, 2026
Results reaction Oct 27, 2026-8% vs market2 sessions after results

Financials

6 fiscal years · from filings
Revenue What customers paid the company over its fiscal year, before any cost, as filed in its annual report. The change is against the year before. Methodology $4.6B +9% on FY2024
$0 $5B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $2.5B FY2021 · $3.0B FY2022 · $3.7B FY2023 · $3.8B FY2024 · $4.2B FY2025 · $4.6B
Net income Profit left after every cost, interest and tax for the year. A column below the line is a loss. Methodology $455.4M +60% on FY2024
$0 $2B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $343.2M FY2021 · $1.4B FY2022 · $266.3M FY2023 · -$206.2M FY2024 · $284.4M FY2025 · $455.4M
Free cash flow Cash from running the business less what it spent on equipment and buildings: the cash a year actually left behind, which profit alone does not show. Not shown for banks and insurers, whose cash moves with their loans. Methodology $661.6M +28% on FY2024
$0 $1B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $582.0M FY2021 · $584.1M FY2022 · -$1.0M FY2023 · $334.7M FY2024 · $516.7M FY2025 · $661.6M
Margins Each as a share of revenue. Gross: left after the direct cost of what was sold. Net: left after every cost. Free cash: free cash flow over revenue. A margin rising over years means the business keeps more of each dollar it sells. Methodology
  • Net 10%
  • Free cash 14%
-10% 0% 50% FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Net 14% · Free cash 23% FY2021 · Net 47% · Free cash 20% FY2022 · Net 7% · Free cash -0% FY2023 · Net -5% · Free cash 9% FY2024 · Net 7% · Free cash 12% FY2025 · Net 10% · Free cash 14%
Cash and long-term debt Cash on the balance sheet at the year's end beside debt due after a year. Net cash is cash less that debt; net debt is the shortfall. Debt some filers do not tag shows as a gap, not as zero. Methodology $4.1B net debt
  • Cash
  • Long-term debt
$0 $10B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Cash $492.7M · Long-term debt $3.4B FY2021 · Cash $1.8B · Long-term debt $6.3B FY2022 · Cash $585.3M · Long-term debt $5.6B FY2023 · Cash $476.2M · Long-term debt $5.3B FY2024 · Cash $679.5M · Long-term debt $5.1B FY2025 · Cash $853.6M · Long-term debt $4.9B
Shares outstanding Shares in issue at the year's end. A rising count means each share owns a smaller slice of the company (stock pay, share sales); a falling one, buybacks. The chart's scale is fitted to the count, so a small change looks large: read the percentage. Methodology 192.40m +1.0% since FY2020
194.90m 190.50m FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · 190.50m FY2021 · 191.80m FY2022 · 192.70m FY2023 · 193.80m FY2024 · 194.90m FY2025 · 192.40m
  FY2020Dec 31, 2020 FY2021Dec 31, 2021 FY2022Dec 31, 2022 FY2023Dec 31, 2023 FY2024Dec 31, 2024 FY2025Dec 31, 2025
Revenue $2.5B $3.0B $3.7B $3.8B $4.2B $4.6B
Operating income $500.3M $651.9M $626.3M $128.5M $666.7M $857.8M
Net income $343.2M $1.4B $266.3M -$206.2M $284.4M $455.4M
Net margin 14% 47% 7% -5% 7% 10%
Earnings per share $1.79 $7.20 $1.38 -$1.07 $1.45 $2.32
Free cash flow $582.0M $584.1M -$1.0M $334.7M $516.7M $661.6M
Free cash margin 23% 20% -0% 9% 12% 14%
Cash $492.7M $1.8B $585.3M $476.2M $679.5M $853.6M
Long-term debt $3.4B $6.3B $5.6B $5.3B $5.1B $4.9B
Shareholders' equity $2.5B $3.9B $4.2B $4.0B $4.2B $4.4B
Shares outstanding 190.50m 191.80m 192.70m 193.80m 194.90m 192.40m

Filings

SEC EDGAR
FiledReportPeriod to Lag
Oct 27, 2026 Quarterly ↗ Sep 30, 2026 27d
Jul 28, 2026 Quarterly ↗ Jun 30, 2026 28d
Apr 28, 2026 Quarterly ↗ Mar 31, 2026 28d
Feb 27, 2026 Annual ↗ Dec 31, 2025 58d
Oct 23, 2025 Quarterly ↗ Sep 30, 2025 23d
Jul 24, 2025 Quarterly ↗ Jun 30, 2025 24d
Apr 24, 2025 Quarterly ↗ Mar 31, 2025 24d
Feb 13, 2025 Annual ↗ Dec 31, 2024 44d
Oct 23, 2024 Quarterly ↗ Sep 30, 2024 23d
Jul 25, 2024 Quarterly ↗ Jun 30, 2024 25d
Apr 25, 2024 Quarterly ↗ Mar 31, 2024 25d
Feb 28, 2024 Annual ↗ Dec 31, 2023 59d

Current reports

FiledDisclosed
Oct 27, 2026 Results · Regulation FD ↗
Sep 23, 2026 Director or officer change · Regulation FD ↗
Jul 28, 2026 Results · Regulation FD ↗
May 15, 2026 Shareholder vote ↗
Apr 28, 2026 Results · Regulation FD ↗
Mar 10, 2026 Regulation FD ↗
Feb 12, 2026 Material agreement · Results · New obligation · Regulation FD ↗
Dec 23, 2025 Director or officer change ↗
Oct 23, 2025 Results · Regulation FD ↗
Jul 24, 2025 Results · Regulation FD ↗
May 9, 2025 Shareholder vote ↗
Apr 24, 2025 Results · Regulation FD ↗