TransUnion (TRU) Stock Analysis

November 11, 2026

This is a peer-relative look at TransUnion (TRU): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Commercial & Professional Services peers, so every number reads in context rather than in isolation.

Company Profile

Company profile fields for TransUnion (TRU)
Profile Item	TRU
Name	TransUnion
Country/Region	United States
GICS Sector	Industrials
GICS Industry Group	Commercial & Professional Services
GICS Industry	Professional Services
GICS Sub-Industry	Research & Consulting Services
Market Capitalization	15.48 billion USD
Currency	USD
Exchange	NYSE
Listing Date	June 25, 2015
Security Type	Common Stock

Price Performance

Cumulative Growth

TRU

GSPC

TransUnion (TRU) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

Loading price history…

Trailing total returns for TransUnion (TRU) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

Loading price history…

Calendar-year total returns for TransUnion (TRU) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

TransUnion (TRU) metric values compared with Commercial & Professional Services industry-group medians
Metric	Current stock: TRU	Industry group median
Total Return (1Y)	3.77%	10.68%
Total Return (3Y, Annualized)	16.74%	12.68%
Total Return (5Y, Annualized)	-5.77%	3.62%

Risk Profile

Drawdown History

TRU

GSPC

TransUnion (TRU) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

Loading price history…

Distribution of monthly total returns for TransUnion (TRU) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

TransUnion (TRU) metric values compared with Commercial & Professional Services industry-group medians
Metric	Current stock: TRU	Industry group median
Volatility (1Y, Annualized)	42.86%	42.02%
Beta (5Y)	1.52	0.79
Max Drawdown (5Y)	-63.37%	-54.59%

Risk-Adjusted Performance

Risk-Return Positioning

Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. TRU is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

TransUnion (TRU) metric values compared with Commercial & Professional Services industry-group medians
Metric	Current stock: TRU	Industry group median
Sharpe Ratio (1Y)	-0.01	0.19
Sortino Ratio (1Y)	-0.02	0.27

Profitability

ROE (TTM)

TransUnion (TRU) posts ROE of 16.96%, roughly around the peer group’s normal range. Shareholders’ equity is producing a return that looks broadly typical for the industry.

TRU

Commercial & Professional Services industry group

16.96%

Group distribution

Max: 47.06%
Q3: 25.43%
TRU: 16.96%
Median: 14.11%
Q1: 3.92%
Min: -20.15%

Largest peers

RELX: 131.86%
ADP: 78.94%
CTAS: 41.38%
WM: 31.68%
RSG: 18.48%
TRU: 16.96%
TRI: 14.11%

Where TransUnion (TRU) stands on ROE within its Commercial & Professional Services peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

TransUnion (TRU) keeps 15.83% of revenue as net profit, putting net margin in the upper peer quartile. After operating costs, interest, and taxes, more of each sales dollar reaches shareholders than it does at most industry peers.

TRU

Commercial & Professional Services industry group

15.83%

Group distribution

Max: 23.28%
TRU: 15.83%
Q3: 11.35%
Median: 5.65%
Q1: 0.87%
Min: -8.60%

Largest peers

RELX: 23.27%
ADP: 20.33%
TRI: 19.69%
CTAS: 17.82%
TRU: 15.83%
RSG: 12.92%
WM: 11.78%

Where TransUnion (TRU) stands on net margin within its Commercial & Professional Services peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

TransUnion (TRU) turns 20.36% of revenue into operating profit, putting operating margin in the upper peer quartile. Before financing and taxes enter the picture, the day-to-day business keeps more of each sales dollar than most industry peers.

TRU

Commercial & Professional Services industry group

20.36%

Group distribution

Max: 38.50%
TRU: 20.36%
Q3: 18.84%
Median: 10.40%
Q1: 5.59%
Min: -12.00%

Largest peers

RELX: 32.01%
ADP: 26.73%
CTAS: 24.10%
TRI: 21.93%
TRU: 20.36%
RSG: 20.29%
WM: 19.08%

Where TransUnion (TRU) stands on operating margin within its Commercial & Professional Services peer group — the box is the group’s distribution and the dots its largest members.

Profitability Metrics

TransUnion (TRU) metric values compared with Commercial & Professional Services industry-group medians
Metric	Current stock: TRU	Industry group median
ROE (TTM)	16.96%	14.11%
ROA (TTM)	5.25%	5.83%
Net Margin (TTM)	15.83%	5.65%
Operating Margin (TTM)	20.36%	10.40%
Gross Margin (TTM)	58.82%	36.58%

Growth

Revenue Growth

TransUnion (TRU) grew revenue 9.38%, roughly around the peer group's normal range. Top-line momentum looks broadly typical for the industry.

TransUnion (TRU): Revenue Growth across different time periods, set against Commercial & Professional Services industry-group medians.

EPS Growth

TransUnion (TRU) grew earnings per share 60.00%, in the upper peer quartile. Per-share profits are compounding faster than at most industry peers.

TransUnion (TRU): EPS Growth across different time periods, set against Commercial & Professional Services industry-group medians.

Growth Metrics

TransUnion (TRU) metric values compared with Commercial & Professional Services industry-group medians
Metric	Current stock: TRU	Industry group median
Revenue Growth (YoY)	9.38%	6.05%
Revenue Growth (3Y CAGR)	7.25%	6.33%
EPS Growth (YoY)	60.00%	5.05%
EPS Growth (3Y CAGR)	18.34%	9.63%

Financial Strength

Current Ratio (MRQ)

TransUnion (TRU) has current ratio of 2.03, in the healthier middle range for its industry. The short-term asset cushion looks balanced relative to peers rather than stretched thin.

TRU

Commercial & Professional Services industry group

2.03

Group distribution

Max: 3.63
Q3: 2.14
TRU: 2.03
Median: 1.55
Q1: 1.09
Min: 0.45

Largest peers

TRU: 2.03
CTAS: 1.45
TRI: 1.08
ADP: 1.03
WM: 0.82
RSG: 0.75
RELX: 0.45

Where TransUnion (TRU) stands on current ratio within its Commercial & Professional Services peer group — the box is the group’s distribution and the dots its largest members.

Debt / Equity (MRQ)

TransUnion (TRU) has debt-to-equity ratio of 1.10, roughly in line with the peer group’s normal leverage range. Its mix of debt and equity looks typical for the industry.

TRU

Commercial & Professional Services industry group

1.10

Group distribution

Max: 2.37
Q3: 1.25
TRU: 1.10
Median: 0.88
Q1: 0.35
Min: 0.00

Largest peers

RELX: 7.10
WM: 2.37
RSG: 1.17
TRU: 1.10
ADP: 1.10
CTAS: 0.52
TRI: 0.36

Where TransUnion (TRU) stands on debt-to-equity ratio within its Commercial & Professional Services peer group — the box is the group’s distribution and the dots its largest members.

Financial Strength Metrics

TransUnion (TRU) metric values compared with Commercial & Professional Services industry-group medians
Metric	Current stock: TRU	Industry group median
Current Ratio (MRQ)	2.03	1.55
Debt / Equity (MRQ)	1.10	0.88
Net Debt / EBITDA	2.90	2.51

Dividends

Dividend Yield (TTM)

TransUnion (TRU) has dividend yield of 0.62%, in the industry’s normal income range. It provides a meaningful dividend without the red flag of an unusually high headline yield.

TRU

Commercial & Professional Services industry group

0.62%

Group distribution

Max: 4.33%
Q3: 1.80%
TRU: 0.62%
Median: 0.60%
Q1: 0.00%
Min: 0.00%

Largest peers

ADP: 2.21%
TRI: 2.18%
RELX: 1.66%
WM: 1.52%
RSG: 1.02%
CTAS: 0.83%
TRU: 0.62%

Where TransUnion (TRU) stands on dividend yield within its Commercial & Professional Services peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

TransUnion (TRU) has payout ratio of 11.92%, within the industry’s typical payout band. The dividend shares profits with investors while leaving earnings coverage that looks normal for the peer group.

TRU

Commercial & Professional Services industry group

11.92%

Group distribution

Max: 99.58%
Q3: 41.99%
Median: 17.27%
TRU: 11.92%
Q1: 0.00%
Min: -17.94%

Largest peers

TRI: 79.09%
ADP: 60.28%
RELX: 53.59%
WM: 48.03%
CTAS: 36.88%
RSG: 35.25%
TRU: 11.92%

Where TransUnion (TRU) stands on payout ratio within its Commercial & Professional Services peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

TransUnion (TRU) metric values compared with Commercial & Professional Services industry-group medians
Metric	Current stock: TRU	Industry group median
Dividend Yield (TTM)	0.62%	0.60%
Dividend Payout Ratio (TTM)	11.92%	17.27%

Valuation

P/E Ratio (TTM)

TransUnion (TRU) trades at P/E ratio of 19.75, near the industry’s usual earnings multiple. The stock is not showing a clear peer discount or premium on trailing earnings.

TRU

Commercial & Professional Services industry group

19.75

Group distribution

Max: 49.47
Q3: 33.76
Median: 24.16
TRU: 19.75
Q1: 16.01
Min: 1.89

Largest peers

CTAS: 43.86
TRI: 34.53
RSG: 34.19
WM: 31.01
ADP: 26.89
RELX: 24.05
TRU: 19.75

Where TransUnion (TRU) stands on P/E ratio within its Commercial & Professional Services peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

TransUnion (TRU) trades at 3.07 on P/S ratio, roughly in the peer group’s normal range. The market is not making a strong cheap-or-rich statement about its revenue base.

TRU

Commercial & Professional Services industry group

3.07

Group distribution

Max: 7.17
Q3: 3.35
TRU: 3.07
Median: 1.33
Q1: 0.69
Min: 0.11

Largest peers

CTAS: 7.64
RELX: 7.17
TRI: 6.09
ADP: 5.38
RSG: 4.36
WM: 3.60
TRU: 3.07

Where TransUnion (TRU) stands on P/S ratio within its Commercial & Professional Services peer group — the box is the group’s distribution and the dots its largest members.

P/B Ratio (MRQ)

TransUnion (TRU) trades at 3.19 on P/B ratio, roughly in line with the industry’s normal price-to-book range. Its balance sheet is not being priced at a clear discount or premium versus peers.

TRU

Commercial & Professional Services industry group

3.19

Group distribution

Max: 11.25
Q3: 6.08
TRU: 3.19
Median: 2.92
Q1: 1.55
Min: -2.78

Largest peers

RELX: 169.44
ADP: 23.57
CTAS: 17.07
WM: 9.52
RSG: 6.15
TRI: 4.35
TRU: 3.19

Where TransUnion (TRU) stands on P/B ratio within its Commercial & Professional Services peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

TransUnion (TRU) metric values compared with Commercial & Professional Services industry-group medians
Metric	Current stock: TRU	Industry group median
P/E Ratio (TTM)	19.75	24.16
P/S Ratio (TTM)	3.07	1.33
P/B Ratio (MRQ)	3.19	2.92
Free Cash Flow Yield (TTM)	5.91%	5.35%