TransUnion (TRU) reported $5.04B of revenue for the twelve months ended Sep 30, 2026. That is up 13.4% from the year before. Revenue for fiscal 2025 was $4.58B.

Yes. TransUnion earned $797.90M in net income for the twelve months ended Sep 30, 2026, a net margin of 15.8%.

How much cash and debt does TRU have?

TransUnion reported $883.10M in cash and cash equivalents and $5.46B of debt on its most recent balance sheet in SEC filings.

How fast is TRU revenue growing?

TransUnion's revenue changed +9.4% in fiscal 2025, to $4.58B. Its compound annual growth rate was +12.6% over 5 years.

What is TRU free cash flow?

TransUnion generated $910.10M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $1.21B less capital expenditures.

What is TRU earnings per share?

Diluted earnings per share were $4.11 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.

When did TRU last report financial results?

The latest statements here come from TransUnion's 10-Q filed on Oct 27, 2026, covering the period ended Sep 30, 2026.

Where does this TRU financial data come from?

Quantisnow builds these statements from the structured XBRL data TransUnion files with the SEC. It is provided for information only and is not investment advice.

Financials · TRU

TransUnion (TRU) financials

For the twelve months ended Sep 30, 2026, TransUnion reported $5.04B of revenue and $797.90M of net income.

Revenue, TTM: $5.04B
Revenue growth, YoY: +13.4%
Net income, TTM: $797.90M
Net income growth, YoY: +89.8%
Net margin: 15.8%
Free cash flow, TTM: $910.10M
EPS, diluted, TTM: $4.11
EPS growth, YoY: +93.0%
Cash: $883.10M
Total debt: $5.46B
P/E: 19.40
P/S: 3.07
Market cap: $15.48B

Annual revenue$4.58B

FY2016FY2025

Annual net income$455.40M

FY2016FY2025

Annual free cash flow$661.60M

FY2016FY2025

TRU revenue and earnings growth

TRU revenueQ3 2026$1.31B

Quarter YoY: +12.2%
QoQ: +0.2%
FY YoY: +9.4%
5Y CAGR: +12.6%

TRU revenue was $1.31B in fiscal Q3 2026 (ended Sep 30, 2026), up 12.2% from a year earlier and up 0.2% from the prior quarter. For the full fiscal 2025 it was $4.58B, up 9.4% from fiscal 2024. Compound annual growth was +12.6% over 5 years. It rose in each of the last 9 fiscal years. Fiscal 2025 is the highest of the 10 fiscal years on file.

TRU net incomeQ3 2026$156.20M

Quarter YoY: +61.7%
QoQ: +8.9%
FY YoY: +60.1%
5Y CAGR: +5.8%
10Y CAGR: +54.4%

TRU net income was $156.20M in fiscal Q3 2026 (ended Sep 30, 2026), up 61.7% from a year earlier and up 8.9% from the prior quarter. For the full fiscal 2025 it was $455.40M, up 60.1% from fiscal 2024. Compound annual growth was +5.8% over 5 years and +54.4% over 10 years.

TRU EPSQ3 2026$0.81

Quarter YoY: +65.3%
QoQ: +9.5%
FY YoY: +60.0%
5Y CAGR: +5.3%
10Y CAGR: +50.1%

TRU diluted EPS was $0.81 in fiscal Q3 2026 (ended Sep 30, 2026), up 65.3% from a year earlier and up 9.5% from the prior quarter. For the full fiscal 2025 it was $2.32, up 60.0% from fiscal 2024. Compound annual growth was +5.3% over 5 years and +50.1% over 10 years.

TRU free cash flowQ3 2026$362.60M

Quarter YoY: +50.8%
QoQ: +18.6%
FY YoY: +28.0%
5Y CAGR: +2.6%
10Y CAGR: +14.1%

TRU free cash flow was $362.60M in fiscal Q3 2026 (ended Sep 30, 2026), up 50.8% from a year earlier and up 18.6% from the prior quarter. For the full fiscal 2025 it was $661.60M, up 28.0% from fiscal 2024. Compound annual growth was +2.6% over 5 years and +14.1% over 10 years. Fiscal 2025 is the highest of the 13 fiscal years on file.

Export CSV

Income statement

Income statement
Line item	FY2025 Dec 31, 2025	FY2024 Dec 31, 2024	FY2023 Dec 31, 2023	FY2022 Dec 31, 2022	FY2021 Dec 31, 2021	FY2020 Dec 31, 2020	FY2019 Dec 31, 2019	FY2018 Dec 31, 2018	FY2017 Dec 31, 2017	FY2016 Dec 31, 2016
Revenue	$4.58B	$4.18B	$3.83B	$3.71B	$2.96B	$2.53B	$2.46B	$2.32B	$1.93B	$1.70B
Cost of revenue	-	-	-	-	-	-	$874.10M	$790.10M	$645.70M	$579.10M
Gross profit	-	-	-	-	-	-	$1.59B	$1.53B	$1.29B	$1.13B
Selling, general and admin	$1.26B	$1.24B	$1.17B	$1.18B	$909.00M	$829.70M	$777.40M	$707.70M	$585.40M	$560.10M
Operating income	$857.80M	$666.70M	$128.50M	$626.30M	$651.90M	$500.30M	$541.70M	$512.50M	$464.70M	$300.50M
Interest expense	$235.80M	$265.20M	$288.20M	$230.90M	$112.60M	$126.20M	$173.70M	$137.50M	$87.60M	$85.50M
Pre-tax income	$643.00M	$401.10M	-$145.30M	$383.00M	$505.60M	$389.50M	$374.50M	$343.50M	$372.50M	$205.40M
Income tax	$173.10M	$98.80M	$44.70M	$118.90M	$131.90M	$83.70M	$70.50M	$54.50M	-$79.10M	$74.00M
Net income	$455.40M	$284.40M	-$206.20M	$266.30M	$1.39B	$343.20M	$346.90M	$276.60M	$441.20M	$120.60M
EPS, basic	$2.34	$1.46	-$1.07	$1.38	$7.26	$1.81	$1.85	$1.50	$2.42	$0.66
EPS, diluted	$2.32	$1.45	-$1.07	$1.38	$7.20	$1.79	$1.81	$1.45	$2.32	$0.65
Diluted shares	196.6M	196.7M	193.4M	193.1M	193.0M	192.2M	191.8M	190.9M	189.9M	184.6M

Balance sheet

Balance sheet
Line item	FY2025 Dec 31, 2025	FY2024 Dec 31, 2024	FY2023 Dec 31, 2023	FY2022 Dec 31, 2022	FY2021 Dec 31, 2021	FY2020 Dec 31, 2020	FY2019 Dec 31, 2019	FY2018 Dec 31, 2018	FY2017 Dec 31, 2017	FY2016 Dec 31, 2016
Cash and equivalents	$853.60M	$679.50M	$476.20M	$585.30M	$1.84B	$492.70M	$273.60M	$186.70M	$115.80M	$182.20M
Short-term investments	$2.70M	$2.50M	$2.70M	$2.60M	$3.10M	$3.20M	$2.90M	$2.90M	$3.30M	$3.30M
Receivables	$905.00M	$798.90M	$723.00M	$602.20M	$558.00M	$392.80M	$443.90M	$456.80M	$326.70M	$277.90M
Current assets	$2.02B	$1.80B	$1.48B	$1.45B	$2.63B	$1.47B	$888.20M	$841.50M	$588.70M	$550.00M
Goodwill	$5.26B	$5.14B	$5.18B	$5.55B	$5.53B	$3.23B	$3.14B	$3.29B	$2.37B	$2.17B
Total assets	$11.11B	$10.98B	$11.11B	$11.67B	$12.63B	$7.31B	$7.11B	$7.04B	$5.12B	$4.78B
Current liabilities	$1.15B	$1.06B	$1.00B	$905.50M	$1.36B	$669.80M	$571.40M	$548.50M	$458.40M	$373.30M
Short-term debt	$196.90M	$70.60M	$89.60M	$114.60M	$114.60M	$55.50M	$58.70M	$71.70M	$119.30M	$50.40M
Long-term debt	$4.91B	$5.08B	$5.25B	$5.56B	$6.25B	$3.40B	$3.60B	$3.98B	$2.35B	$2.33B
Total debt	$5.10B	$5.15B	$5.34B	$5.67B	$6.37B	$3.45B	$3.66B	$4.05B	$2.46B	$2.38B
Total liabilities	$6.57B	$6.67B	$7.00B	$7.40B	$8.63B	$4.68B	$4.77B	$5.06B	$3.29B	$3.31B
Shareholders' equity	$4.44B	$4.22B	$4.01B	$4.17B	$3.91B	$2.54B	$2.25B	$1.89B	$1.73B	$1.36B

Cash flow

Cash flow
Line item	FY2025 Dec 31, 2025	FY2024 Dec 31, 2024	FY2023 Dec 31, 2023	FY2022 Dec 31, 2022	FY2021 Dec 31, 2021	FY2020 Dec 31, 2020	FY2019 Dec 31, 2019	FY2018 Dec 31, 2018	FY2017 Dec 31, 2017	FY2016 Dec 31, 2016
Operating cash flow	$987.60M	$832.50M	$645.40M	$297.20M	$808.30M	$787.60M	$776.90M	$555.70M	$465.80M	$389.90M
Capital expenditures	$326.00M	$315.80M	$310.70M	$298.20M	$224.20M	$205.60M	$188.40M	$180.10M	$135.30M	$124.00M
Free cash flow	$661.60M	$516.70M	$334.70M	-$1.00M	$584.10M	$582.00M	$588.50M	$375.60M	$330.50M	$265.90M
Investing cash flow	-$331.70M	-$307.40M	-$318.90M	-$723.90M	-$2.21B	-$267.20M	-$203.90M	-$2.02B	-$480.80M	-$495.80M
Financing cash flow	-$494.60M	-$308.70M	-$438.80M	-$820.50M	$2.76B	-$296.90M	-$486.70M	$1.54B	-$51.70M	$153.80M
Dividends paid	$90.50M	$82.70M	$81.80M	$77.80M	$69.80M	$57.60M	$56.80M	$41.60M	$0	$0
Share repurchases	$302.00M	$0	$0	-	-	-	$0	$0	$133.50M	$700.0K
Stock-based compensation	$145.60M	$121.20M	$100.30M	$82.80M	$69.20M	$44.30M	$48.30M	$57.90M	$33.10M	$24.40M
Depreciation and amortization	$574.80M	$537.80M	$524.40M	$519.00M	$377.00M	$346.80M	$338.60M	$306.90M	$238.00M	$265.20M

Key ratios

Key ratios
Line item	FY2025 Dec 31, 2025	FY2024 Dec 31, 2024	FY2023 Dec 31, 2023	FY2022 Dec 31, 2022	FY2021 Dec 31, 2021	FY2020 Dec 31, 2020	FY2019 Dec 31, 2019	FY2018 Dec 31, 2018	FY2017 Dec 31, 2017	FY2016 Dec 31, 2016
Revenue growth, YoY	9.4%	9.2%	3.3%	25.3%	17.0%	2.7%	6.3%	19.8%	13.4%	-
Net income growth, YoY	60.1%	-	-	-80.8%	305.1%	-1.1%	25.4%	-37.3%	265.8%	1944.1%
EPS growth, YoY	60.0%	-	-	-80.8%	302.2%	-1.1%	24.8%	-37.5%	256.9%	1525.0%
Gross margin	-	-	-	-	-	-	64.5%	65.9%	66.6%	66.0%
Operating margin	18.7%	15.9%	3.4%	16.9%	22.0%	19.8%	22.0%	22.1%	24.0%	17.6%
Net margin	10.0%	6.8%	-5.4%	7.2%	47.0%	13.6%	14.1%	11.9%	22.8%	7.1%
Free cash flow margin	14.5%	12.4%	8.7%	-0.0%	19.7%	23.0%	23.9%	16.2%	17.1%	15.6%
Return on equity	10.3%	6.7%	-5.1%	6.4%	35.6%	13.5%	15.4%	14.6%	25.5%	8.8%
Return on assets	4.1%	2.6%	-1.9%	2.3%	11.0%	4.7%	4.9%	3.9%	8.6%	2.5%
Current ratio	1.75	1.70	1.47	1.60	1.94	2.19	1.55	1.53	1.28	1.47
Debt to equity	1.15	1.22	1.33	1.36	1.63	1.36	1.63	2.14	1.43	1.74

Income statement

Income statement
Line item	Q3 2026 Sep 30, 2026	Q2 2026 Jun 30, 2026	Q1 2026 Mar 31, 2026	Q4 2025* Dec 31, 2025	Q3 2025 Sep 30, 2025	Q2 2025 Jun 30, 2025	Q1 2025 Mar 31, 2025	Q4 2024* Dec 31, 2024	Q3 2024 Sep 30, 2024	Q2 2024 Jun 30, 2024	Q1 2024 Mar 31, 2024	Q4 2023 Dec 31, 2023
Revenue	$1.31B	$1.31B	$1.25B	$1.17B	$1.17B	$1.14B	$1.10B	$1.04B	$1.08B	$1.04B	$1.02B	$954.30M
Selling, general and admin	$346.60M	$346.50M	$329.10M	$342.30M	$330.80M	$335.00M	$256.80M	$317.20M	$305.70M	$310.80M	$305.60M	$303.90M
Operating income	$267.20M	$258.00M	$244.80M	$203.60M	$207.60M	$192.20M	$254.40M	$170.80M	$156.40M	$182.40M	$157.20M	$61.30M
Interest expense	$66.50M	$65.90M	$62.00M	$61.50M	$62.50M	$55.70M	$56.10M	$62.00M	$66.60M	$67.90M	$68.70M	$71.00M
Pre-tax income	$209.00M	$201.50M	$428.10M	$142.30M	$150.10M	$156.80M	$193.80M	$100.60M	$96.80M	$120.70M	$83.00M	-$5.80M
Income tax	$48.50M	$54.80M	$27.60M	$37.70M	$50.00M	$44.40M	$41.00M	$29.90M	$24.90M	$31.00M	$13.00M	-$15.40M
Net income	$156.20M	$143.40M	$397.10M	$101.20M	$96.60M	$109.60M	$148.10M	$66.20M	$68.00M	$85.00M	$65.10M	$6.10M
EPS, basic	$0.82	$0.75	$2.06	$0.52	$0.50	$0.56	$0.76	$0.33	$0.35	$0.44	$0.34	$0.03
EPS, diluted	$0.81	$0.74	$2.04	$0.52	$0.49	$0.56	$0.75	$0.33	$0.35	$0.44	$0.33	$0.03
Diluted shares	192.6M	193.7M	194.5M	-	197.2M	197.2M	197.3M	-	197.0M	195.2M	195.3M	-

Balance sheet

Balance sheet
Line item	Q3 2026 Sep 30, 2026	Q2 2026 Jun 30, 2026	Q1 2026 Mar 31, 2026	Q4 2025* Dec 31, 2025	Q3 2025 Sep 30, 2025	Q2 2025 Jun 30, 2025	Q1 2025 Mar 31, 2025	Q4 2024* Dec 31, 2024	Q3 2024 Sep 30, 2024	Q2 2024 Jun 30, 2024	Q1 2024 Mar 31, 2024	Q4 2023 Dec 31, 2023
Cash and equivalents	$883.10M	$839.10M	$732.50M	$853.60M	$749.90M	$687.50M	$609.90M	$679.50M	$643.20M	$543.20M	$433.60M	$476.20M
Short-term investments	$400.0K	$400.0K	$600.0K	$2.70M	$2.60M	$2.50M	$2.60M	$2.50M	$2.80M	$2.60M	$2.60M	$2.70M
Receivables	$1.02B	$1.05B	$1.05B	$905.00M	$893.60M	$895.90M	$882.30M	$798.90M	$798.40M	$778.60M	$774.60M	$723.00M
Current assets	$2.20B	$2.18B	$2.02B	$2.02B	$1.98B	$1.91B	$1.82B	$1.80B	$1.67B	$1.54B	$1.42B	$1.48B
Goodwill	$5.80B	$5.81B	$5.78B	$5.26B	$5.25B	$5.26B	$5.16B	$5.14B	$5.18B	$5.16B	$5.17B	$5.18B
Total assets	$12.09B	$12.19B	$12.05B	$11.11B	$11.11B	$11.12B	$10.95B	$10.98B	$11.05B	$11.03B	$11.02B	$11.11B
Current liabilities	$1.08B	$1.15B	$1.05B	$1.15B	$984.90M	$941.10M	$888.50M	$1.06B	$995.70M	$930.70M	$861.00M	$1.00B
Short-term debt	$108.60M	$213.10M	$205.00M	$196.90M	$84.20M	$76.10M	$70.60M	$70.60M	$66.50M	$66.50M	$77.50M	$89.60M
Long-term debt	$5.35B	$5.37B	$5.40B	$4.91B	$5.04B	$5.06B	$5.06B	$5.08B	$5.13B	$5.17B	$5.25B	$5.25B
Total debt	$5.46B	$5.59B	$5.61B	$5.10B	$5.12B	$5.14B	$5.13B	$5.15B	$5.20B	$5.24B	$5.33B	$5.34B
Total liabilities	$7.09B	$7.19B	$7.13B	$6.57B	$6.53B	$6.49B	$6.46B	$6.67B	$6.73B	$6.79B	$6.85B	$7.00B
Shareholders' equity	$4.85B	$4.84B	$4.75B	$4.44B	$4.47B	$4.52B	$4.39B	$4.22B	$4.22B	$4.13B	$4.08B	$4.01B

Cash flow

Cash flow
Line item	Q3 2026 Sep 30, 2026	Q2 2026 Jun 30, 2026	Q1 2026 Mar 31, 2026	Q4 2025* Dec 31, 2025	Q3 2025 Sep 30, 2025	Q2 2025 Jun 30, 2025	Q1 2025 Mar 31, 2025	Q4 2024* Dec 31, 2024	Q3 2024 Sep 30, 2024	Q2 2024 Jun 30, 2024	Q1 2024 Mar 31, 2024	Q4 2023 Dec 31, 2023
Operating cash flow	$429.50M	$374.90M	$84.20M	$319.50M	$324.30M	$291.30M	$52.50M	$254.00M	$229.30M	$295.20M	$54.00M	$201.80M
Capital expenditures	$66.90M	$69.20M	$65.20M	$96.70M	$83.90M	$77.00M	$68.40M	$117.10M	$68.00M	$68.30M	$62.40M	$97.50M
Free cash flow	$362.60M	$305.70M	$19.00M	$222.80M	$240.40M	$214.30M	-$15.90M	$136.90M	$161.30M	$226.90M	-$8.40M	$104.30M
Investing cash flow	-$73.10M	-$94.20M	-$586.70M	-$24.60M	-$83.40M	-$137.10M	-$86.60M	-$112.30M	-$68.60M	-$64.10M	-$62.40M	-$88.40M
Financing cash flow	-$305.70M	-$181.30M	$400.90M	-$193.70M	-$173.60M	-$86.70M	-$40.60M	-$89.20M	-$69.40M	-$118.80M	-$31.30M	-$63.50M
Dividends paid	$24.90M	$24.50M	$25.00M	$22.20M	$23.20M	$22.50M	$22.60M	$21.00M	$20.90M	$20.40M	$20.80M	$20.40M
Share repurchases	$128.80M	$103.40M	$12.10M	$149.40M	$113.80M	$33.50M	$5.40M	$0	$0	$0	$0	-
Stock-based compensation	$37.00M	$39.10M	$37.50M	$38.70M	$36.40M	$40.20M	$30.30M	$35.60M	$33.80M	$27.70M	$24.10M	$27.40M
Depreciation and amortization	$164.00M	$160.50M	$152.30M	$147.60M	$145.60M	$142.70M	$138.90M	$137.30M	$133.60M	$132.90M	$134.00M	$133.30M

Key ratios

Key ratios
Line item	Q3 2026 Sep 30, 2026	Q2 2026 Jun 30, 2026	Q1 2026 Mar 31, 2026	Q4 2025* Dec 31, 2025	Q3 2025 Sep 30, 2025	Q2 2025 Jun 30, 2025	Q1 2025 Mar 31, 2025	Q4 2024* Dec 31, 2024	Q3 2024 Sep 30, 2024	Q2 2024 Jun 30, 2024	Q1 2024 Mar 31, 2024	Q4 2023 Dec 31, 2023
Revenue growth, YoY	12.2%	14.9%	13.7%	13.0%	7.8%	9.5%	7.3%	8.6%	12.0%	7.5%	8.6%	5.8%
Net income growth, YoY	61.7%	30.8%	168.1%	52.9%	42.1%	28.9%	127.5%	985.2%	-	57.7%	23.8%	-86.9%
EPS growth, YoY	65.3%	32.1%	172.0%	57.6%	40.0%	27.3%	127.3%	1000.0%	-	57.1%	22.2%	-87.5%
Operating margin	20.4%	19.7%	19.7%	17.4%	17.8%	16.9%	23.2%	16.5%	14.4%	17.5%	15.4%	6.4%
Net margin	11.9%	10.9%	31.9%	8.6%	8.3%	9.6%	13.5%	6.4%	6.3%	8.2%	6.4%	0.6%
Free cash flow margin	27.6%	23.3%	1.5%	19.0%	20.6%	18.8%	-1.5%	13.2%	14.9%	21.8%	-0.8%	10.9%
Current ratio	2.03	1.90	1.93	1.75	2.01	2.02	2.05	1.70	1.68	1.66	1.65	1.47
Debt to equity	1.13	1.15	1.18	1.15	1.14	1.14	1.17	1.22	1.23	1.27	1.31	1.33

Source: XBRL data TransUnion files with the SEC, latest filing dated Oct 27, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

TRU peers

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AXPAmerican Express Company	$77.59B	+10.2%	$12.26B	15.8%	$215.24B
SPGIS&P Global Inc.	$17.21B	+18.2%	$4.99B	29.0%	$135.62B
MCOMoody's Corporation	$8.18B	+9.0%	$2.88B	35.3%	$87.18B
NUNu Holdings Ltd.	$15.77B	+37.0%	$2.87B	18.2%	$58.39B
RKTRocket Companies Inc.	$11.46B	+90.4%	$1.30B	11.4%	$42.74B
COINCoinbase Global Inc.	$5.63B	-26.6%	-$701.62M	-12.5%	$35.68B
AFRMAffirm Holdings Inc.	$4.59B	+32.7%	$2.01B	43.9%	$23.08B
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TRU FAQ

8 questions

What is TRU revenue?
TransUnion (TRU) reported $5.04B of revenue for the twelve months ended Sep 30, 2026. That is up 13.4% from the year before. Revenue for fiscal 2025 was $4.58B.
Is TRU profitable?
Yes. TransUnion earned $797.90M in net income for the twelve months ended Sep 30, 2026, a net margin of 15.8%.
How much cash and debt does TRU have?
TransUnion reported $883.10M in cash and cash equivalents and $5.46B of debt on its most recent balance sheet in SEC filings.
How fast is TRU revenue growing?
TransUnion's revenue changed +9.4% in fiscal 2025, to $4.58B. Its compound annual growth rate was +12.6% over 5 years.
What is TRU free cash flow?
TransUnion generated $910.10M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $1.21B less capital expenditures.
What is TRU earnings per share?
Diluted earnings per share were $4.11 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
When did TRU last report financial results?
The latest statements here come from TransUnion's 10-Q filed on Oct 27, 2026, covering the period ended Sep 30, 2026.
Where does this TRU financial data come from?
Quantisnow builds these statements from the structured XBRL data TransUnion files with the SEC. It is provided for information only and is not investment advice.