TransUnion Common Stock (TRU)

FairStock Score: 57/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look for durable businesses, honest earnings, and a price that leaves room for error. TransUnion is a credit-reporting and information-services firm; it sits in a regulated, data-heavy niche where scale and embedded customer relationships can create switching costs. The turnaround is clear: in fiscal 2023 (year ended 2023-12-31) it lost $206.2M and diluted EPS was -$1.07; in fiscal 2024 (year ended 2024-12-31) net income was $284.4M and diluted EPS was $1.45; in fiscal 2025 (year ended 2025-12-31) net income was $455.4M and diluted EPS was $2.32. Revenue moved from $3.8B in fiscal 2023 to $4.2B in fiscal 2024 to $4.6B in fiscal 2025. FairStock calculates ROE at 15.63%, but ROCE is only 4.94%, so returns on total capital are not yet compelling. Leverage is meaningful: D/E 1.13 and Altman Z-Score 1.73. Cash flow is a bright spot: TTM free cash flow of $787.9M, a 6.1% FCF yield on the $13.0B market cap. At the 2026-10-13 close of $67.49, FairStock's P/E is 17.81, P/B is 2.67, PEG is 0.58, and EV/EBITDA is 10.02. The Graham Number is $46.43, so the price sits about 45% above that conservative marker; I would call it fair-to-full, not a bargain. Piotroski 7/9 is decent. The Lynch category is TURNAROUND, which fits: profits have returned after a loss. The key question is whether fiscal Q1 2026 (quarter ended 2026-03-31)'s $397.1M net income and $2.04 diluted EPS are durable or inflated by nonrecurring items. If they are, the price may be reasonable; if not, the margin of safety is thin.

In plain English: TransUnion is a credit reporting and information company that helps banks and businesses check credit, prevent fraud, and manage risk. After a loss in fiscal 2023, it returned to profit in fiscal 2024 and fiscal 2025, and it produces steady cash. At the recent close of $67.49, the stock looks a bit expensive compared with what its profits and accounting value alone would support, but it is not extreme if growth continues.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · fiscal Q1 2025 10-Q (period ended 2025-03-31) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer