TransUnion (NYSE:TRU) Posts Earnings Results, Beats Expectations By $0.07 EPS

Key Points

• TransUnion beat Q1 EPS at $1.18 vs. consensus $1.11, reported revenue of $1.25B (+13.7% YoY) with organic constant‑currency revenue up 11%, and maintained full‑year organic guidance of 8%–9%.
• Management said AI (OneTru platform, TruIQ Analytics Orchestrator and an AI model factory) is already a growth accelerant, increasing customer data consumption, speeding product launches and adding incremental pipeline including “tens of millions” from new fraud models.
• TransUnion closed strategic buys (including TransUnion de México and RealNetworks’ mobile division) that lift 2026 revenue outlook but pushed debt to $5.6B (leverage ~2.8x) and create one‑time integration costs and short‑term EBITDA margin drag; Q2 EPS guidance was set at $1.130–$1.150.

TransUnion (NYSE:TRU - Get Free Report) announced its earnings results on Tuesday. The business services provider reported $1.18 earnings per share (EPS) for the quarter, topping analysts' consensus estimates of $1.11 by $0.07, FiscalAI reports. The business had revenue of $1.25 billion during the quarter, compared to analysts' expectations of $1.25 billion. TransUnion had a net margin of 9.95% and a return on equity of 16.19%. The firm's revenue for the quarter was up 13.7% on a year-over-year basis. During the same quarter last year, the company posted $1.05 EPS. TransUnion updated its Q2 2026 guidance to 1.130-1.150 EPS.

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

• TransUnion materially beat Q1 guidance — revenue was about $41 million above and adjusted EBITDA about $18 million above the high end — with organic constant-currency revenue up 11% and management maintaining full‑year organic guidance of 8%–9%.
• Management says AI is already a growth accelerant — the OneTru platform, TruIQ Analytics Orchestrator and an AI model factory are increasing customer data consumption, speeding product launches, and generating incremental pipeline (including tens of millions from new fraud models).
• TransUnion closed two strategic buys — TransUnion de México (now consolidated) and RealNetworks’ mobile division — which raise 2026 revenue guidance but also increased debt to $5.6B (leverage ~2.8x), create one‑time integration costs, and produce an accounting-driven short‑term EBITDA margin drag.
• Regulatory momentum for mortgage scoring — FHFA and HUD steps to accept VantageScore 4.0 plus TransUnion’s <$strong>1 VantageScore mortgage pricing and multi‑year offers could drive mortgage share and longer‑term revenue upside as adoption scales.

TransUnion Trading Down 1.5%

TRU stock opened at $70.15 on Wednesday. The company has a quick ratio of 1.75, a current ratio of 1.75 and a debt-to-equity ratio of 1.08. TransUnion has a twelve month low of $65.24 and a twelve month high of $99.39. The company has a market cap of $13.54 billion, a P/E ratio of 30.24, a PEG ratio of 1.27 and a beta of 1.71. The business has a fifty day moving average of $72.74 and a 200-day moving average of $78.64.

TransUnion Increases Dividend

The company also recently announced a quarterly dividend, which was paid on Friday, March 13th. Stockholders of record on Thursday, February 26th were given a dividend of $0.125 per share. The ex-dividend date was Thursday, February 26th. 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 dividend yield of 0.7%. TransUnion's dividend payout ratio is presently 21.55%.

Insider Buying and Selling at TransUnion

In other TransUnion news, insider Todd C. Skinner sold 500 shares of the firm's stock in a transaction that occurred on Wednesday, April 1st. The shares were sold at an average price of $69.20, for a total value of $34,600.00. Following the transaction, the insider directly owned 55,763 shares of the company's stock, valued at approximately $3,858,799.60. This trade represents a 0.89% decrease in their ownership of the stock. The sale was disclosed in a legal filing with the Securities & Exchange Commission, which can be accessed through the SEC website. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Also, EVP Heather J. Russell sold 4,067 shares of the company's stock in a transaction dated Friday, March 6th. The shares were sold at an average price of $77.37, for a total value of $314,663.79. Following the completion of the sale, the executive vice president owned 41,063 shares of the company's stock, valued at $3,177,044.31. This represents a 9.01% decrease in their position. The SEC filing for this sale provides additional information. Insiders sold a total of 13,729 shares of company stock worth $1,031,619 over the last quarter. Company insiders own 0.37% of the company's stock.

Hedge Funds Weigh In On TransUnion

Several institutional investors and hedge funds have recently made changes to their positions in the company. Dodge & Cox bought a new position in TransUnion during the fourth quarter worth about $843,952,000. State Street Corp increased its holdings in shares of TransUnion by 0.7% in the fourth quarter. State Street Corp now owns 6,832,003 shares of the business services provider's stock worth $585,844,000 after acquiring an additional 50,232 shares in the last quarter. Janus Henderson Group PLC raised its position in shares of TransUnion by 1.9% during the fourth quarter. Janus Henderson Group PLC now owns 3,447,235 shares of the business services provider's stock worth $295,600,000 after purchasing an additional 63,788 shares during the period. Invesco Ltd. lifted its holdings in shares of TransUnion by 5.8% during the 4th quarter. Invesco Ltd. now owns 2,789,658 shares of the business services provider's stock valued at $239,213,000 after purchasing an additional 151,882 shares in the last quarter. Finally, Theleme Partners LLP lifted its holdings in shares of TransUnion by 16.1% during the 2nd quarter. Theleme Partners LLP now owns 2,108,357 shares of the business services provider's stock valued at $185,535,000 after purchasing an additional 293,000 shares in the last quarter.

Wall Street Analysts Forecast Growth

A number of research firms have recently issued reports on TRU. New Street Research set a $100.00 target price on shares of TransUnion in a research note on Wednesday, March 11th. Wells Fargo & Company cut their price objective on TransUnion from $100.00 to $90.00 and set an "overweight" rating for the company in a research report on Friday, February 13th. UBS Group reduced their price objective on TransUnion from $72.00 to $69.00 and set a "neutral" rating on the stock in a research note on Monday, April 13th. BMO Capital Markets upgraded TransUnion to a "strong-buy" rating in a report on Friday, January 23rd. Finally, Mizuho assumed coverage on TransUnion in a research note on Thursday, April 16th. They issued a "neutral" rating and a $80.00 target price for the company. One equities research analyst has rated the stock with a Strong Buy rating, seven have given a Buy rating and six have issued a Hold rating to the company's stock. Based on data from MarketBeat, TransUnion has a consensus rating of "Moderate Buy" and a consensus price target of $92.53.

More TransUnion News

Here are the key news stories impacting TransUnion this week:

• Positive Sentiment: Q1 revenue and EPS show healthy growth — Revenue was $1.25B (+13.7% year/year) and EPS rose to $1.18 from $1.05 a year ago, reflecting continued momentum. TransUnion Announces Strong First Quarter 2026 Results
• Positive Sentiment: Financial‑services segment strength cited by multiple outlets — company commentary and coverage point to strong growth in financial-services verticals as a driver of the quarter. TransUnion beats estimates on strong financial services growth
• Neutral Sentiment: The headline numbers largely met consensus — several reports note EPS and revenue were in line with Wall Street consensus (different vendors show slight variations on whether it was a beat vs. meet). Investors will parse the detail in the call. TransUnion earnings summary and transcripts
• Neutral Sentiment: Full earnings materials available — earnings call transcript and slide deck provide detail on segment trends, customer wins, and margin drivers for investors doing due diligence. Earnings call transcript Presentation
• Negative Sentiment: Q2 EPS guidance slightly light — management set Q2 FY2026 EPS at $1.130–$1.150, with the midpoint essentially at or a hair below consensus; that trim to guidance appears to have disappointed short‑term traders. Guidance in press release
• Negative Sentiment: Mixed messages on analyst beats — some outlets (e.g., Zacks) flagged an EPS beat vs. their consensus, while others report the company only met consensus; this ambiguity can increase short-term volatility as analysts reconcile results. Zacks earnings recap

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.