# TransUnion (TRU) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Industrials / Professional Services. Price $79.88, market value $15.3 billion.

## Valuation
- **P/E (trailing): 21.1×** (5-yr avg 39.1×, 3-yr avg 50.1×). TransUnion trades at 21.1× trailing earnings, well below its own five-year average of 39.1×: cheap by its own standards. The Industrials median in the September 2026 study was 25.7×. Forward P/E is 14.3×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.24**. A PEG of 0.24 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 3.1×**. Each dollar of revenue is priced at 3.1×.
- **Price / book: 3.2×**. The shares trade at 3.2× book value; book value is a meaningful part of the valuation.
- **EV / EBITDA: 12.8×**. Enterprise value is 12.8× operating earnings before depreciation, the multiple that ignores how the company is financed.
- **Free-cash-flow yield: 5.1%** (5-yr avg 2.4%). Free cash flow equals 5.1% of the market value, above its five-year average of 2.4%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 4.7%**. The inverse of the P/E: 4.7% of the price is earned each year.

## Profitability
- **Operating margin: 18.7%**. 18.7% of revenue is left after running the business, a healthy level in most sectors.
- **Net margin: 10.0%**. 10.0% of each dollar of sales reaches the bottom line.
- **Return on equity: 10.3%**. 10.3% on shareholders' equity is solid.
- **Return on invested capital: 8.3%**. Return on all capital, debt included, is 8.3%.
- **Return on assets: 6.6%**. Each dollar of assets produces 6.6% of profit.

## Growth
- **Revenue growth (1 yr): 9.4%** (3-yr 7.2%/yr, 5-yr 12.6%/yr). Revenue grew 9.4% over the last year, against 12.6% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 60.0%** (3-yr 18.9%/yr, 5-yr 5.3%/yr). Earnings per share rose 60.0%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Debt to equity: 1.15**. Debt is 1.15 times equity, a leveraged balance sheet that needs steady cash flow to service.
- **Net debt / EBITDA: 2.8×**. It would take 2.8 years of operating earnings to repay net borrowings, within the comfortable range.
- **Altman Z-score: 2.62**. A Z-score of 2.62 is in the grey zone; not distressed, not clearly safe.
- **Piotroski F-score: 7/9**. 7 of 9 fundamental checks pass: strong and improving financials.

## Dividends
- **Dividend yield: 0.63%** ($0.24 per share, trailing). TransUnion yields 0.63%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 20%** (12% of free cash flow). 20% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 8**. 8 straight years of increases.
- **Dividend growth (5 yr): 8.9%/yr** (1-yr 9.5%). The dividend has grown 8.9% a year over five years.

## Analyst view
- **Analyst consensus: buy** (21 analysts). 21 analysts cover TransUnion; the consensus is buy, with an average price target of $96.90 (+21% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): -9.8%** (YTD -6.5%, 3-mo 13.0%). The shares are down 9.8% over twelve months including dividends.
- **From 52-week high: -16.4%** (26.1% above the low). Trading 16% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 45**. An RSI of 45 is neutral.
- **Beta (1 yr): 0.98** (volatility 41%). Beta of 0.98 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=TRU · Page: https://foliofundamentals.com/stocks/tru

Not investment advice.