{ "ok": true, "cik": "1552033", "ticker": "TRU", "name": "TransUnion", "filings": [ { "form": "8-K", "filed": "2026-09-23", "items": [ "5.02 Departure or Election of Directors; Appointment of Officers", "7.01 Regulation FD Disclosure", "9.01 Financial Statements and Exhibits" ], "url": "https://www.sec.gov/Archives/edgar/data/1552033/000119312526399606/0001193125-26-399606-index.htm" }, { "form": "10-Q", "filed": "2026-07-28", "items": [], "url": "https://www.sec.gov/Archives/edgar/data/1552033/000155203326000047/0001552033-26-000047-index.htm" }, { "form": "8-K", "filed": "2026-07-28", "items": [ "2.02 Results of Operations and Financial Condition", "7.01 Regulation FD Disclosure", "9.01 Financial Statements and Exhibits" ], "url": "https://www.sec.gov/Archives/edgar/data/1552033/000155203326000043/0001552033-26-000043-index.htm" }, { "form": "8-K", "filed": "2026-05-15", "items": [ "5.07 Submission of Matters to a Vote of Security Holders", "9.01 Financial Statements and Exhibits" ], "url": "https://www.sec.gov/Archives/edgar/data/1552033/000155203326000032/0001552033-26-000032-index.htm" }, { "form": "10-Q", "filed": "2026-04-28", "items": [], "url": "https://www.sec.gov/Archives/edgar/data/1552033/000155203326000028/0001552033-26-000028-index.htm" }, { "form": "8-K", "filed": "2026-04-28", "items": [ "2.02 Results of Operations and Financial Condition", "7.01 Regulation FD Disclosure" ], "url": "https://www.sec.gov/Archives/edgar/data/1552033/000155203326000025/0001552033-26-000025-index.htm" } ], "events12m": 8, "sources": { "facts": "https://data.sec.gov/api/xbrl/companyfacts/CIK0001552033.json", "filings": "https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=1552033" }, "license": "Figures as filed with the SEC. Card text CC BY 4.0, POPS4.", "notAdvice": "Reporting, not investment advice. No price targets, no buy or sell views.", "edgar": "🫧 Edgar looked up TransUnion ($TRU). Last filing: 8-K (5.02 Departure or Election of Directors; Appointment of Officers), 2026-09-23. 8 event filings (8-K) in the past twelve months.", "auditor": { "changes": [], "nonReliance": [], "restatedSince": null }, "metrics": { "fiscalYearEnd": "2025-12-31", "revenue": 4576300000, "revenueGrowth1y": 0.093814235862135, "revenueGrowthPerYear": 0.11506031145142748, "yearsOfData": 5, "operatingMargin": 0.18744400498219085, "operatingMarginPrior": 0.15935274152684162, "netMargin": 0.10268120534055897, "operatingCashFlow": 987600000, "capitalSpending": 326000000, "freeCashFlow": 661600000, "researchAndDevelopment": null, "researchShareOfRevenue": null, "cash": 853600000, "longTermDebt": 5103800000, "longTermDebtChange": -0.008431768728629163, "revenueHistory": [ { "fiscalYearEnd": "2021-12-31", "revenue": 2960200000 }, { "fiscalYearEnd": "2022-12-31", "revenue": 3709900000 }, { "fiscalYearEnd": "2023-12-31", "revenue": 3831200000 }, { "fiscalYearEnd": "2024-12-31", "revenue": 4183800000 }, { "fiscalYearEnd": "2025-12-31", "revenue": 4576300000 } ], "totalEquity": 4439200000, "totalAssets": 11112900000, "equityRatio": 0.3994636863464982, "returnOnEquity": 0.10585240583888988, "dividendsPaid": 90500000, "payoutRatio": 0.19259416897212173, "dividendPerShare": 0.46, "dividendYearsRising": 1, "dividendCut": false, "priceBased": "Dividend yield, price/earnings and price/book need a share price. The boards carry filings only, so they are not shown.", "earningsPerShare": 2.34, "sharesOutstanding": 196600000, "bookValuePerShare": 22.579857578840286, "revenuePerShare": 23.277212614445574, "range80": { "low": 4288734450.984634, "high": 5469117247.538637, "baseline": 4956777295.673225, "n": 4599, "band": "b1", "bandLabel": "$1B–10B", "method": "v4.1", "credibility": 0.5, "growthYears": 4, "ownVolatility": 0.08235149530666269, "classVolatility": 0.07701947805587882, "volatility": 0.07973007205328266 }, "ifPaceHeld": { "low": 4288734450.984634, "high": 5469117247.538637 } }, "edgarette": "🔖 Exposure: revenue $4.6B (FY2025), total debt $5.1B. Experience: revenue up 9.4% on the year, up 11.5% a year over 4 years; operating margin 18.7%, up from 15.9%. Soundness: equity 39.9% of assets, return on equity 10.6%, payout 19.3% of profit, dividend per share up 1 year running. Credibility: four or more audited years, reasonable weight. Range: 80% of past cases like this landed between $4.3B and $5.5B next year (method v4.1: its own 4-year record of growth weighed at 50% against $1B–10B filers; on a year the method never saw, 83.4% landed inside). In a shock year the stress range is $3.9B to $6.0B. A range, not a forecast. Against peers (373 filers, $50M+ revenue, its industry group): operating margin 18.7% against a 4.8% median; growth 9.4% against 9.3%.", "peers": { "sic": 7320, "sicDescription": "Services-Consumer Credit Reporting, Collection Agencies", "calendarYear": 2025, "minRevenue": 50000000, "depth": 2, "group": "73", "growth": [ 0.0931, 378 ], "opMargin": [ 0.0475, 373 ], "equityRatio": [ 0.4273, 363 ], "returnOnEquity": [ 0.0549, 313 ], "payoutRatio": [ 0.2954, 64 ] }, "summary": "TransUnion (TRU) grew revenue 9.4% in FY2025 to $4.6 billion, operating margin 18.7% against a 4.8% median for services-consumer credit reporting, collection agencies, equity 39.9% of assets, and dividend per share up 1 year running. Every figure is from the company’s own annual report filed with the SEC.", "chart": "
TransUnion against its own record and its peers
Operating marginPeer median 4.8%18.7%Revenue, on the yearPeer median 9.3%9.4%Equity of assetsPeer median 42.7%39.9%Return on equityPeer median 5.5%10.6%Payout of profitPeer median 29.5%19.3%Gold tick: the median of 64–363 peers with $50M+ revenue in services-consumer credit reporting, collection agencies
", "chartHorizon": "
Handed back now, or kept to compound
Of each dollar of profit19.3% paid out80.7% keptHanded back per share$0.46up 1 year runningGrowth its own profit can fund8.5%retained x return on equityRevenue growth it managed9.4%last year, for comparison

Gold is paid out to shareholders; navy is kept in the business. Retained profit times return on equity is the pace a company can fund from itself. Facts from the filings, not a recommendation.

", "backtest": { "tests": 6, "hits": 3, "rate": 0.5, "method": "v4", "byYear": { "2020": [ 1, 1 ], "2021": [ 0, 1 ], "2022": [ 0, 1 ], "2023": [ 0, 1 ], "2024": [ 1, 1 ], "2025": [ 1, 1 ] }, "note": "hindsight: the same credibility-weighted range on the company's own past years. Years 2018-2023 were used to fit or tune the method, so only 2025 outcomes are fully out of sample." }, "registry": { "logged": "2026-09-24T14:19:04.777Z", "hash": "e930041568125476", "status": "open" }, "caution": "Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price.", "schema": "pops4.edgarette.card/1", "card": { "summary": "TransUnion (TRU) grew revenue 9.4% in FY2025 to $4.6 billion, operating margin 18.7% against a 4.8% median for services-consumer credit reporting, collection agencies, equity 39.9% of assets, and dividend per share up 1 year running. Every figure is from the company’s own annual report filed with the SEC.", "exposure": { "fiscalYearEnd": "2025-12-31", "revenue": 4576300000, "totalDebt": 5103800000, "cash": 853600000 }, "experience": { "revenueGrowth1y": 0.093814235862135, "revenueGrowthPerYear": 0.11506031145142748, "operatingMargin": 0.18744400498219085, "operatingMarginPrior": 0.15935274152684162, "netMargin": 0.10268120534055897, "freeCashFlow": 661600000 }, "soundness": { "equityRatio": 0.3994636863464982, "returnOnEquity": 0.10585240583888988, "payoutRatio": 0.19259416897212173, "dividendPerShare": 0.46, "dividendYearsRising": 1, "dividendCut": false, "note": "Dividend yield, price/earnings and price/book need a share price. The boards carry filings only, so they are not shown." }, "peers": { "sic": 7320, "sicDescription": "Services-Consumer Credit Reporting, Collection Agencies", "calendarYear": 2025, "minRevenue": 50000000, "depth": 2, "group": "73", "growth": [ 0.0931, 378 ], "opMargin": [ 0.0475, 373 ], "equityRatio": [ 0.4273, 363 ], "returnOnEquity": [ 0.0549, 313 ], "payoutRatio": [ 0.2954, 64 ] }, "credibility": { "auditedYears": 5, "weight": "reasonable", "standard": "ASOP No. 25", "nonReliance": null, "auditorChange": null }, "range": { "low": 4288734450.984634, "high": 5469117247.538637, "baseline": 4956777295.673225, "coverage": 0.8, "method": "v4.1", "basis": "next fiscal year revenue: baseline = revenue x (1 + mean of one-year and three-year pace); width = the company's own volatility of yearly growth, credibility-weighted against its size class (Buhlmann), scaled to the 80% target on 2023 and tested on 2024", "calibratedOn": { "companyYears": 4599, "sizeBand": "$1B–10B", "fitYears": [ 2018, 2022 ], "tuneYear": 2023, "testYear": 2024, "coverageOnTestYear": 0.8341 }, "credibility": { "weightOnOwnRecord": 0.5, "growthYears": 4, "ownVolatility": 0.08235149530666269, "classVolatility": 0.07701947805587882, "pricedVolatility": 0.07973007205328266, "k": 3 }, "stress": { "low": 3924348032.7138867, "high": 5977452195.732927, "basis": "the same range with widths set to hold 80% across 2018-2023, pandemic years included" }, "kind": "a calibrated range, not a forecast; no view on the share price", "track": { "backtest": { "tests": 6, "hits": 3, "rate": 0.5, "method": "v4", "byYear": { "2020": [ 1, 1 ], "2021": [ 0, 1 ], "2022": [ 0, 1 ], "2023": [ 0, 1 ], "2024": [ 1, 1 ], "2025": [ 1, 1 ] }, "note": "hindsight: the same credibility-weighted range on the company's own past years. Years 2018-2023 were used to fit or tune the method, so only 2025 outcomes are fully out of sample." }, "registry": { "logged": "2026-09-24T14:19:04.777Z", "hash": "e930041568125476", "status": "open" }, "scorecard": "https://www.pops4.com/boards/scorecard" } }, "caution": "Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price.", "sources": { "facts": "https://data.sec.gov/api/xbrl/companyfacts/CIK0001552033.json", "filings": "https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=1552033" } }, "definitions": { "operatingMargin": "Operating income divided by revenue.", "netMargin": "Net income divided by revenue.", "freeCashFlow": "Cash from operations minus spending on property and equipment.", "researchShareOfRevenue": "Research and development expense for the year as a share of revenue, both as filed.", "equityRatio": "Shareholders equity as a share of total assets, both as filed. Higher means less of the company is owed to someone else.", "returnOnEquity": "Net income for the year against shareholders equity at year end.", "payoutRatio": "Dividends paid as a share of net income, in the year the cash went out.", "dividendYearsRising": "Consecutive years, counted back from the last on record, in which dividend per share rose. A fall ends the run and is reported as dividendCut.", "revenueGrowthPerYear": "Compound annual growth between the first and latest fiscal years shown.", "credibility": "How much weight a record deserves, in the actuarial sense (ASOP No. 25): more audited years, more weight.", "peers": "Medians of SEC filers with $50M+ revenue in the same industry code (SIC), narrowest group with at least 8 filers, calendar-year figures from SEC XBRL frames.", "backtest": "The same if-the-pace-held arithmetic applied to the company's own past years, scored against what it actually reported next. Hindsight, and labelled so." } }