TransUnion (NYSE:TRU) Releases Earnings Results, Beats Expectations By $0.04 EPS

TransUnion (NYSE:TRU) released its quarterly earnings results on Thursday. The business services provider reported $1.07 earnings per share for the quarter, beating analysts’ consensus estimates of $1.03 by $0.04, Briefing.com reports. The business had revenue of $1.17 billion for the quarter, compared to analysts’ expectations of $1.13 billion. TransUnion had a net margin of 9.47% and a return on equity of 16.05%. The company’s revenue was up 13.0% compared to the same quarter last year. During the same period last year, the business earned $0.97 EPS. TransUnion updated its FY 2026 guidance to 4.630-4.71 EPS and its Q1 2026 guidance to 1.080-1.100 EPS.

Here are the key takeaways from TransUnion’s conference call:

• TransUnion beat Q4 guidance and finished 2025 strongly with 12% organic revenue growth in Q4 (U.S. +16%), adjusted diluted EPS up ~10% (mid-teens ex a tax-rate reset), and is guiding 2026 to ~8%–9% organic revenue growth and 8%–10% adjusted diluted EPS growth.
• The company prioritized shareholder returns—repurchasing roughly $150 million in Q4 ($300M in 2025), retaining capacity under a $1 billion repurchase authorization, and raising the quarterly dividend 9%—while reducing leverage to ~2.6x with a target below 2.5x.
• TransUnion completed its multi-year transformation on time and on budget, migrated over 100 U.S. credit customers to its OneTru platform, expects full program savings in 2026, and plans additional country migrations that should drive ~70 bps of EBITDA margin expansion (ex-FICO royalties).
• International performance was muted (2% organic constant-currency growth), with India down 4% in Q4 and modeled for only mid-single-digit growth in 2026 (with an early‑2026 trough), and softness in Latin America and parts of APAC weighing on near-term growth.
• Mortgage-related FICO royalty revenue materially inflates reported mortgage revenue but adds no profit, creating headline revenue growth that can misstate underlying profitability and producing a near-term margin drag (notably in Q1); management therefore emphasizes ex‑FICO metrics for underlying performance.

TransUnion Stock Performance

NYSE:TRU traded up $3.00 during midday trading on Friday, hitting $73.81. The company’s stock had a trading volume of 1,960,243 shares, compared to its average volume of 2,862,896. TransUnion has a fifty-two week low of $65.24 and a fifty-two week high of $101.19. The company has a debt-to-equity ratio of 1.10, a current ratio of 2.01 and a quick ratio of 2.01. The firm has a market cap of $14.33 billion, a P/E ratio of 34.56, a P/E/G ratio of 1.34 and a beta of 1.70. The firm’s 50 day moving average is $82.45 and its 200-day moving average is $84.42.

TransUnion Increases Dividend

The company also recently announced a quarterly dividend, which will be paid on Friday, March 13th. Investors of record on Thursday, February 26th will be given a $0.125 dividend. This is an increase from TransUnion’s previous quarterly dividend of $0.12. This represents a $0.50 dividend on an annualized basis and a yield of 0.7%. The ex-dividend date is Thursday, February 26th. TransUnion’s payout ratio is currently 21.50%.

Insider Buying and Selling at TransUnion

In related news, insider Todd C. Skinner sold 500 shares of the business’s stock in a transaction on Monday, February 2nd. The shares were sold at an average price of $78.79, for a total transaction of $39,395.00. Following the completion of the transaction, the insider directly owned 31,725 shares in the company, valued at $2,499,612.75. The trade was a 1.55% decrease in their ownership of the stock. The transaction was disclosed in a document filed with the SEC, which is available at this hyperlink. Also, insider Steven M. Chaouki sold 1,000 shares of the stock in a transaction dated Friday, January 2nd. The stock was sold at an average price of $85.71, for a total value of $85,710.00. Following the sale, the insider directly owned 61,592 shares in the company, valued at $5,279,050.32. This represents a 1.60% decrease in their ownership of the stock. Additional details regarding this sale are available in the official SEC disclosure. In the last ninety days, insiders sold 7,818 shares of company stock worth $663,883. Company insiders own 0.22% of the company’s stock.

Hedge Funds Weigh In On TransUnion

Several institutional investors and hedge funds have recently modified their holdings of the business. Advisory Services Network LLC acquired a new position in shares of TransUnion during the 3rd quarter worth about $79,000. Alyeska Investment Group L.P. acquired a new stake in TransUnion in the 3rd quarter worth about $232,000. Integrated Wealth Concepts LLC purchased a new stake in TransUnion during the 3rd quarter worth approximately $206,000. FORA Capital LLC acquired a new position in shares of TransUnion during the second quarter valued at approximately $223,000. Finally, Headlands Technologies LLC purchased a new position in shares of TransUnion in the second quarter valued at approximately $186,000.

Wall Street Analysts Forecast Growth

TRU has been the topic of several analyst reports. Barclays cut their price target on shares of TransUnion from $95.00 to $80.00 and set an “equal weight” rating on the stock in a report on Friday. Weiss Ratings reaffirmed a “hold (c)” rating on shares of TransUnion in a research report on Wednesday, January 21st. The Goldman Sachs Group reiterated a “neutral” rating and issued a $80.00 price target on shares of TransUnion in a research note on Friday. JPMorgan Chase & Co. dropped their price target on TransUnion from $118.00 to $107.00 and set an “overweight” rating on the stock in a research note on Friday, October 24th. Finally, Wells Fargo & Company cut their price objective on shares of TransUnion from $100.00 to $90.00 and set an “overweight” rating on the stock in a report on Friday. One research analyst has rated the stock with a Strong Buy rating, eight have issued a Buy rating, four have given a Hold rating and one has given a Sell rating to the company’s stock. According to MarketBeat.com, the company presently has an average rating of “Moderate Buy” and a consensus price target of $95.00.

Key Headlines Impacting TransUnion

Here are the key news stories impacting TransUnion this week:

• Positive Sentiment: Q4 results and guidance: TRU reported Q4 revenue of ~$1.17B and adjusted EPS of $1.07 (both ahead of expectations) with revenue up ~13% YoY; management gave Q1 2026 EPS guidance of $1.080–1.100 and FY 2026 EPS of $4.63–4.71, which supports upside vs. prior street expectations. TransUnion Announces Strong Fourth Quarter and Full-Year 2025 Results
• Positive Sentiment: Dividend raise: TRU increased its quarterly dividend to $0.125 (an ~8.7% bump), signaling confidence in cash flow and returning more capital to shareholders; ex-dividend is Feb 26.
• Neutral Sentiment: Business drivers: Coverage and deep-dive pieces highlight U.S. growth, product expansion (new data/product initiatives) and a deliberately conservative 2026 outlook from management — positive for long-term revenue diversity but suggests cautious near-term assumptions. TRU Q4 Deep Dive: U.S. Growth, Product Expansion, and Conservative 2026 Outlook
• Neutral Sentiment: Earnings call/transcript available: The full Q4 earnings call and transcripts provide management color on segment performance (consumer credit, risk & analytics, rent/alternative data) — useful for modelling segment-level growth and margin assumptions. TransUnion (TRU) Q4 2025 Earnings Call Transcript
• Negative Sentiment: Analyst cuts and lowered targets: Several firms trimmed price targets after the report — Stifel $103 → $88 (buy), Wells Fargo $100 → $90 (overweight) and Needham $115 → $95 (buy) — and some analysts have trimmed their forecasts, which can cap near-term upside despite the beat. TransUnion Analysts Slash Their Forecasts After Q4 Results

TransUnion Company Profile

TransUnion is a global information and insights company that helps businesses and consumers make critical decisions using data and analytics. As one of the three major credit bureaus in the United States, TransUnion collects and aggregates credit information on individuals and businesses, providing credit reports, risk scores and portfolio management tools to financial institutions, lenders, landlords and other decision makers. Its consumer-facing products enable individuals to monitor credit status, detect identity theft and access personalized financial insights.

The company’s offerings span credit risk assessment, identity management, fraud prevention and marketing solutions.