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

TransUnion (NYSE:TRU) posted its earnings results on Thursday. The business services provider reported $1.07 earnings per share for the quarter, topping the consensus estimate of $1.03 by $0.04, Briefing.com reports. TransUnion had a net margin of 9.47% and a return on equity of 16.05%. The company had revenue of $1.17 billion for the quarter, compared to analyst estimates of $1.13 billion. During the same period last year, the business posted $0.97 earnings per share. The business’s revenue for the quarter was up 13.0% compared to the same quarter last year. 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 Trading Up 4.3%

Shares of TRU traded up $3.02 during trading hours on Friday, hitting $73.83. 2,119,584 shares of the stock were exchanged, compared to its average volume of 2,867,843. 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 business has a 50-day moving average of $82.45 and a 200-day moving average of $84.42. TransUnion has a fifty-two week low of $65.24 and a fifty-two week high of $101.19. The firm has a market capitalization of $14.34 billion, a P/E ratio of 34.47, a price-to-earnings-growth ratio of 1.34 and a beta of 1.70.

TransUnion Increases Dividend

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

Key TransUnion News

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

Insiders Place Their Bets

In other TransUnion news, EVP Tiffani Chambers sold 4,318 shares of the business’s stock in a transaction that occurred on Wednesday, December 17th. The stock was sold at an average price of $86.00, for a total value of $371,348.00. Following the transaction, the executive vice president directly owned 50,427 shares of the company’s stock, valued at approximately $4,336,722. The trade was a 7.89% decrease in their ownership of the stock. The sale was disclosed in a filing with the Securities & Exchange Commission, which can be accessed through this hyperlink. Also, insider Steven M. Chaouki sold 1,000 shares of the firm’s stock in a transaction on Friday, January 2nd. The stock was sold at an average price of $85.71, for a total transaction of $85,710.00. Following the completion of the sale, the insider owned 61,592 shares of the company’s stock, valued at $5,279,050.32. The trade was a 1.60% decrease in their ownership of the stock. The SEC filing for this sale provides additional information. Over the last three months, insiders sold 7,818 shares of company stock worth $663,883. 0.22% of the stock is owned by corporate insiders.

Institutional Investors Weigh In On TransUnion

Large investors have recently made changes to their positions in the business. Geneos Wealth Management Inc. boosted its position in shares of TransUnion by 1,318.2% during the 1st quarter. Geneos Wealth Management Inc. now owns 312 shares of the business services provider’s stock valued at $26,000 after acquiring an additional 290 shares during the last quarter. Measured Wealth Private Client Group LLC bought a new stake in shares of TransUnion during the 3rd quarter valued at about $36,000. Osterweis Capital Management Inc. purchased a new position in TransUnion during the second quarter valued at $45,000. EverSource Wealth Advisors LLC boosted its stake in TransUnion by 59.5% during the second quarter. EverSource Wealth Advisors LLC now owns 528 shares of the business services provider’s stock worth $46,000 after acquiring an additional 197 shares in the last quarter. Finally, Caitong International Asset Management Co. Ltd purchased a new position in TransUnion during the third quarter valued at $62,000.

Analysts Set New Price Targets

Several analysts have issued reports on TRU shares. 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. Morgan Stanley set a $105.00 target price on shares of TransUnion in a research note on Friday. Wells Fargo & Company dropped their price objective on shares of TransUnion from $100.00 to $90.00 and set an “overweight” rating on the stock in a research report on Friday. Weiss Ratings restated a “hold (c)” rating on shares of TransUnion in a research note on Wednesday, January 21st. Finally, BMO Capital Markets raised TransUnion to a “strong-buy” rating in a research report on Friday, January 23rd. One analyst has rated the stock with a Strong Buy rating, eight have given a Buy rating, four have assigned a Hold rating and one has issued a Sell rating to the stock. Based on data from MarketBeat.com, the company presently has a consensus rating of “Moderate Buy” and a consensus target price of $95.00.

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.