TransUnion (NYSE:TRU – Get Free Report) released its earnings results on Tuesday. The business services provider reported $1.25 earnings per share for the quarter, topping analysts’ consensus estimates of $1.21 by $0.04, FiscalAI reports. The firm had revenue of $1.31 billion for the quarter, compared to analyst estimates of $1.31 billion. During the same period last year, the business earned $1.10 earnings per share. The firm’s quarterly revenue was up 12.2% compared to the same quarter last year.
Here are the key takeaways from TransUnion’s conference call:
- Third-quarter results exceeded guidance: organic constant-currency revenue grew 8% (5.5% excluding FICO mortgage royalties), adjusted diluted EPS rose 14%, and international revenue returned to 10% growth, led by 18% growth in both India and Latin America.
- TransUnion raised the low end of its full-year outlook and now expects 8%–9% organic constant-currency revenue growth, 10%–11% adjusted EBITDA growth, and 12%–13% adjusted EPS growth. Management said current trends could support performance near the high end of the ranges.
- The company is accelerating share repurchases, targeting approximately $500 million for the full year, and increased its authorization to $2 billion; leverage declined to 2.5 times and the quarterly dividend rose to $0.135 per share.
- Management highlighted durable growth opportunities in insurance, which is expected to generate more than $430 million of 2026 revenue and has delivered a decade of double-digit compound growth, while OneTru migrations and more than 40 new products and AI enhancements are expanding the innovation pipeline.
- Higher interest rates are slowing mortgage activity, with mortgage inquiries expected to decline more than 20% in the fourth quarter; management also cited higher legal and regulatory expenses and warned that replacing an expiring interest-rate swap could increase 2027 net interest expense by roughly $60 million. A potential shift from tri-merge to bi-merge mortgage reports is estimated to reduce annual revenue by about $33 million, although TransUnion characterized the exposure as limited.
TransUnion Price Performance
Shares of TRU stock opened at $75.13 on Wednesday. TransUnion has a 12-month low of $60.96 and a 12-month high of $89.12. The firm has a 50-day moving average price of $74.93 and a 200 day moving average price of $74.41.
TransUnion Increases Dividend
The company also recently announced a quarterly dividend, which will be paid on Wednesday, November 25th. Investors of record on Tuesday, November 10th will be given a dividend of $0.1350 per share. This is an increase from TransUnion’s previous quarterly dividend of $0.1250. The ex-dividend date is Tuesday, November 10th. This represents a $0.54 dividend on an annualized basis and a dividend yield of 0.7%.
More TransUnion News
Here are the key news stories impacting TransUnion this week:
- Positive Sentiment: Q3 earnings beat expectations. TransUnion reported adjusted EPS of $1.25, above the $1.21 consensus and up from $1.10 a year earlier. Revenue reached $1.31 billion, in line with estimates and 12.2% higher year over year. TransUnion Announces Strong Third Quarter 2026 Results
- Positive Sentiment: Management maintained an upbeat growth outlook. TransUnion signaled 8%–9% organic constant-currency revenue growth for 2026, despite mortgage-market headwinds. The company also plans approximately $500 million in share repurchases. TransUnion Signals 2026 Growth and Buybacks
- Positive Sentiment: Shareholder returns increased. The quarterly dividend was raised 8% to $0.135 per share, or $0.54 annually, while the company expanded its repurchase authorization to $2 billion. TransUnion Raises Dividend and Expands Buyback
- Neutral Sentiment: Fraud-prevention demand remains a potential growth driver. TransUnion launched new transaction-matching and fraud-score capabilities as consumers and merchants face increasingly sophisticated digital fraud, particularly ahead of the holiday shopping season. Nearly Half of Canadians Report Being Targeted by Digital Fraud
- Negative Sentiment: Near-term guidance slightly disappointed. Although revenue was in line for Q3, quarterly revenue guidance reportedly came in modestly below Wall Street expectations. Investors also remain concerned about margins and mortgage-related weakness, contributing to a post-earnings “sell-the-news” reaction. TransUnion Q3 2026 Earnings Results
Analyst Upgrades and Downgrades
TRU has been the topic of several recent research reports. Wall Street Zen lowered TransUnion from a “buy” rating to a “hold” rating in a report on Saturday, October 3rd. BMO Capital Markets upped their target price on TransUnion from $85.00 to $98.00 and gave the company an “outperform” rating in a research note on Wednesday, July 29th. UBS Group raised their target price on TransUnion from $75.00 to $83.00 and gave the stock a “neutral” rating in a research report on Wednesday, October 21st. The Goldman Sachs Group reduced their target price on TransUnion from $77.00 to $68.00 and set a “neutral” rating for the company in a research report on Friday, October 2nd. Finally, Stifel Nicolaus lifted their price target on shares of TransUnion from $88.00 to $96.00 and gave the stock a “buy” rating in a research note on Wednesday, July 29th. Ten investment analysts have rated the stock with a Buy rating and six have issued a Hold rating to the company’s stock. Based on data from MarketBeat, the company currently has a consensus rating of “Moderate Buy” and a consensus target price of $91.19.
Check Out Our Latest Research Report on TRU
Insiders Place Their Bets
In related news, EVP Alicia Zuiker sold 8,673 shares of the company’s stock in a transaction dated Tuesday, August 11th. The shares were sold at an average price of $78.49, for a total transaction of $680,743.77. Following the transaction, the executive vice president owned 41,883 shares in the company, valued at $3,287,396.67. This represents a 17.16% decrease in their position. The sale was disclosed in a filing with the Securities & Exchange Commission, which is available at the SEC website. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Also, EVP Venkat Achanta sold 23,287 shares of the business’s stock in a transaction dated Thursday, September 10th. The stock was sold at an average price of $77.00, for a total value of $1,793,099.00. Following the sale, the executive vice president directly owned 196,912 shares of the company’s stock, valued at $15,162,224. This represents a 10.58% decrease in their ownership of the stock. The SEC filing for this sale provides additional information. Insiders sold 41,377 shares of company stock worth $3,200,570 over the last ninety days. 0.37% of the stock is owned by insiders.
About TransUnion
TransUnion (NYSE: TRU) is a global information and insights company that helps businesses and consumers make more informed decisions. The company collects, analyzes and delivers data related to credit, identity, fraud and consumer behavior, serving customers across financial services, insurance, healthcare, retail, telecommunications and other industries.
Its products and services include consumer credit reports and scores, credit-risk assessment, marketing and audience insights, identity verification, fraud detection, investigative tools and decisioning software.
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