TransUnion (TRU)

From the record

TransUnion's filings since 2017 show 2 warning events of 2 kinds: a warning not to rely on past financial statements (8-K item 4.02, the latest 2024-01-08); an auditor change (8-K item 4.01, the latest 2020-02-24) (its current reports).

From the record

TransUnion's 10 filed years say what it did: revenue went from $1.7 billion in fiscal 2016 to $4.6 billion in fiscal 2025, up 11.6% a year; it rose in 9 of 9 years; it never fell from a peak; net income was positive in 9 of 10 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, TransUnion's diluted share count grew about 0.6% a year, and dividends and buybacks returned about 23% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 39 sales (36 under scheduled 10b5-1 plans) and 0 purchases of their own stock on the open market in the year to 2026-11-10 (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, TransUnion earned about 10 cents of profit for every dollar of shareholders' money. Leverage: it owed about 60 cents per dollar of assets, and net share issuance: its share count shrank 0.1% over the year (the filed statements).

From the record

TransUnion's standing among 35 graded names in its industry family: revenue of $4.6 billion in fiscal 2025 ranks in the top 27% by size; a net margin of 10% ranks in the top 33%; revenue growth of 7.2% a year over the last 3 filed years ranks in the top 49% (its annual reports).

From the record

TransUnion's leadership, from its insiders' filings and its current reports: the chief executive on the record is Cartwright, Christopher A (President and CEO, as filed), filing under that title since 2019-07-30, 7.3 years (bottom 45% of its family); the 23 officers and directors filing in the last fifteen months have been on the record a median of 4.8 years (bottom 23%); 7 officer or director changes were reported on Form 8-K since 2023-11-13, against the 23 people in charge now (top 28%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

TransUnion's room to grow, from the newest filed statements (fiscal 2025): cash of $854 million against debt of $5.1 billion leaves -38.2% of its assets as net cash, bottom 19% of its family; cash from operations less capital spending is 14.5% of revenue (top 39%) (its annual report).

From the record

TransUnion's growth drivers, from the filed years to fiscal 2025: revenue grew 7.2% a year over the last three filed years against 11.6% over all 10, slowing (bottom 22% of its family); the newest year grew 9.4% (top 40%); capital spending grew 3% a year (top 41%) (its annual reports). TransUnion reported 2 lines of business in fiscal 2025: US Markets at $3.6 billion, International at $1.0 billion. 2 of 2 grew in the latest filed year, and the largest line is 78% of revenue (its annual report).

From the record

TransUnion's newest year against its own record: revenue of $4.6 billion in fiscal 2025 came in 3% above the $4.4 billion its prior three years' pace pointed to (top 43% of its family); net income of $455 million against a prior three-year average of $115 million (top 9%); a net margin of 10% against 2.9% before (top 22%) (its annual reports).