TRU · TransUnion
Price & Indicators
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Metrics snapshot
Useful current figures from the complete screener profile.
AI Brief
Q2 FY26 earnings call · Jul 28, 2026TL;DR. TransUnion delivered a Q2 beat with 10% organic constant currency revenue growth and 13% Adjusted Diluted EPS growth, and raised full-year 2026 guidance for organic revenue (8%–9%) and Adjusted Diluted EPS (11%–12%, up from prior 9%–11%). The raise was tempered by conservative mortgage assumptions amid rising rates and a 90 bps Adjusted EBITDA margin decline driven by FICO mortgage royalties.
- + Q2 beat guidance on revenue, Adjusted EBITDA and Adjusted Diluted EPS
- + Raised full-year organic constant currency revenue growth guidance to 8%–9% and Adjusted Diluted EPS to 11%–12% (up from 9%–11%)
- + U.S. Financial Services grew 18% (10% ex-FICO mortgage royalties) and U.S. Emerging Verticals grew 9% with eighth straight quarter of double-digit insurance growth
- + International growth re-accelerated to 6% with India returning to 8% growth and Canada at 10%; Mexico outperforming acquisition case
- + Leverage ratio reduced to 2.6x and YTD share repurchases of ~$150 million under $1 billion authorization
- + Platform modernization advanced with ~60% of U.S. batch activity and ~30% of online customers migrated to OneTru; ~40 new products/AI enhancements launched in H1
- − Rising interest rates pressure mortgage activity; 10-year yield up ~50 bps YTD and 30-year mortgage rate at highest level of the year
- − Full-year guidance implies mid- to high single-digit mortgage inquiry declines, with low double-digit declines expected in H2 2026
- − Asia Pacific revenue declined 7% organically and Consumer Interactive declined 3%; telco vertical declined modestly
- − Mexico acquisition added 0.3x to leverage ratio and ~40 bps margin drag from acquisitions
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Strong SellIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted Diluted Earnings per Share non-GAAP | $1.23 | Three Months Ended June 30, 2026 filing | — |
| Adjusted Effective Tax Rate non-GAAP | 25.1% | Three Months Ended June 30, 2026 filing | — |
| Adjusted Net Income non-GAAP | $237.6M | Three Months Ended June 30, 2026 filing | — |
| Consolidated Adjusted EBITDA non-GAAP | $456.1M | Three Months Ended June 30, 2026 filing | — |
| Consolidated Adjusted EBITDA margin non-GAAP | 34.8% | Three Months Ended June 30, 2026 filing | — |
| International Adjusted EBITDA non-GAAP | $136.8M | Three Months Ended June 30, 2026 filing | — |
| International Adjusted EBITDA Margin non-GAAP | 42.7% | Three Months Ended June 30, 2026 filing | — |
| U.S. Markets Adjusted EBITDA non-GAAP | $361M | Three Months Ended June 30, 2026 filing | — |
| U.S. Markets Adjusted EBITDA Margin non-GAAP | 36.4% | Three Months Ended June 30, 2026 filing | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Financial Data & Stock Exchanges — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
TRU
this stock
TransUnion
|
$13.34B | -28.7% | +9.4% | 19.2 | 6.0% |
|
SPGI
S&P Global Inc.
|
$126.18B | — | +7.1% | 27.0 | 2.1% |
|
CME
Cme Group Inc.
|
$94.80B | -4.1% | +6.4% | 22.4 | 1.6% |
|
ICE
Intercontinental Exchange, Inc.
|
$86.63B | -6.1% | -2.1% | 21.8 | 1.1% |
|
MCO
Moodys Corp /De/
|
$81.18B | -11.1% | +16.6% | 29.7 | 1.6% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| TRU | -13.9% | -27.0% | -14.2% | -28.0% | -28.7% |
| SPY | -0.7% | +0.1% | +12.2% | -0.6% | +11.8% |
| vs SPY | -13.2% | -27.1% | -26.3% | -27.4% | -40.6% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.