TRU · Transunion - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $4.58B | $4.18B | $3.83B | $3.71B | $2.96B | $2.72B |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | $1.26B | $1.24B | $1.17B | $1.34B | $943.90M | $860.30M |
| Total Operating Expenses | $3.72B | $3.52B | $3.70B | $3.08B | $2.31B | $2.15B |
| D&A | $574.80M | $537.80M | $524.40M | $519.00M | $377.00M | $367.90M |
| Operating Income | $857.80M | $666.70M | $128.50M | $630.50M | $647.70M | $567.90M |
| Interest Expense | $235.80M | $265.20M | $288.20M | $230.90M | $112.60M | $126.30M |
| Income Tax | $173.10M | $98.80M | $44.70M | $119.90M | $130.90M | $100.20M |
| Net Income | $455.40M | $284.40M | ($206.20M) | $269.50M | $1.39B | $343.20M |
| EPS - Basic | $2.34 | $1.46 | ($1.07) | $1.40 | $7.25 | $1.81 |
| EPS - Diluted | $2.32 | $1.45 | ($1.07) | $1.40 | $7.19 | $1.79 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $853.60M | $679.50M | $476.20M | $585.30M | $1.84B | $493.00M |
| Accounts Receivable | $905.00M | $798.90M | $723.00M | $602.20M | $558.00M | $453.70M |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | $349.90M | $294.60M | $251.30M | $250.40M | $270.20M | $193.20M |
| Current Assets | $2.02B | $1.80B | $1.48B | $1.45B | $2.63B | $1.11B |
| Total Assets | $11.11B | $10.98B | $11.11B | $11.67B | $12.63B | $7.31B |
| Current Liabilities | $1.15B | $1.06B | $1.00B | $905.50M | $1.36B | $664.50M |
| Long-term Debt | $5.10B | $5.15B | $5.34B | $5.56B | $6.25B | $3.40B |
| Total Liabilities | $6.57B | $6.67B | $7.00B | $7.40B | $8.63B | $4.68B |
| Stockholders' Equity | $4.44B | $4.22B | $4.01B | $4.17B | $3.91B | $2.54B |
| Retained Earnings | $2.72B | $2.36B | $2.16B | $2.45B | $2.25B | $937.40M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $987.60M | $832.50M | $645.40M | $297.20M | $808.30M | $787.40M |
| Investing Cash Flow | ($331.70M) | ($307.40M) | ($318.90M) | ($723.90M) | ($2.21B) | ($267.20M) |
| Financing Cash Flow | ($494.60M) | ($308.70M) | ($438.80M) | ($820.50M) | $2.76B | ($296.90M) |
| CapEx | $326.00M | $315.80M | $310.70M | $298.20M | $224.20M | $214.10M |
| Free Cash Flow | $661.60M | $516.70M | $334.70M | ($1.00M) | $584.10M | $573.30M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | 18.7% | 15.9% | 3.4% | 17.0% | 21.9% | 20.9% |
| EBITDA margin | 31.3% | 28.8% | 17.0% | 31.0% | 34.6% | 34.4% |
| Net margin | 10.0% | 6.8% | -5.4% | 7.3% | 46.9% | 12.6% |
| Free cash flow margin | 14.5% | 12.4% | 8.7% | -0.0% | 19.7% | 21.1% |
| FCF / Net income | 1.45 | 1.82 | -1.62 | -0.00 | 0.42 | 1.67 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | 27.6% | 29.6% | 30.6% | 36.0% | 31.9% | 31.7% |
| Effective tax rate | 27.5% | 25.8% | - | 30.8% | 8.6% | 22.6% |
| Return on assets | 4.1% | 2.6% | -1.9% | 2.3% | 11.0% | 4.7% |
| Return on equity | 10.3% | 6.7% | -5.1% | 6.5% | 35.5% | 13.5% |
| Return on invested capital | 6.5% | 5.3% | 1.1% | 4.5% | 5.8% | 7.4% |
| Liquidity | ||||||
| Current ratio | 1.75 | 1.70 | 1.47 | 1.60 | 1.94 | 1.66 |
| Quick ratio | 1.75 | 1.70 | 1.47 | 1.60 | 1.94 | 1.66 |
| Cash ratio | 0.74 | 0.64 | 0.47 | 0.65 | 1.36 | 0.74 |
| Leverage | ||||||
| Debt / Equity | 1.15 | 1.22 | 1.33 | 1.33 | 1.60 | 1.34 |
| Debt / Assets | 0.46 | 0.47 | 0.48 | 0.48 | 0.49 | 0.46 |
| Debt / EBITDA | 3.56 | 4.27 | 8.18 | 4.83 | 6.10 | 3.63 |
| Interest coverage | 3.6x | 2.5x | 0.4x | 2.7x | 5.8x | 4.5x |
| Equity multiplier | 2.50 | 2.60 | 2.77 | 2.80 | 3.23 | 2.88 |
| Liabilities / Assets | 0.59 | 0.61 | 0.63 | 0.63 | 0.68 | 0.64 |
| Efficiency | ||||||
| Asset turnover | 0.41 | 0.38 | 0.34 | 0.32 | 0.23 | 0.37 |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | 72d | 70d | 69d | 59d | 69d | 61d |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 37.0x | 63.9x | - | 40.5x | 16.5x | 55.4x |
| P / B | 3.8x | 4.3x | 3.3x | 2.6x | 5.9x | 7.5x |
| P / S | 3.7x | 4.4x | 3.5x | 3.0x | 7.7x | 7.0x |
| EV / EBITDA | 14.7x | 18.8x | 27.8x | 13.9x | 26.6x | 23.5x |
| Growth | ||||||
| Revenue growth (YoY) | 9.4% | 9.2% | 3.3% | 25.3% | 9.0% | 2.3% |
| Revenue CAGR (3y) | 7.2% | 12.2% | 12.1% | 11.8% | 20.2% | - |
| Revenue CAGR (5y) | 11.0% | 9.5% | 17.6% | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 28.7% | 418.8% | -79.6% | -2.7% | 14.1% | -6.6% |
| Net income growth (YoY) | 60.1% | - | - | -80.6% | 304.2% | -1.1% |
| EPS growth (YoY) | 60.0% | - | - | -80.5% | 301.7% | -1.1% |
| EPS CAGR (3y) | 18.3% | -41.4% | - | -8.2% | 70.5% | -8.3% |
| EPS CAGR (5y) | 5.3% | -4.3% | - | -9.6% | 61.7% | - |
| FCF growth (YoY) | 28.0% | 54.4% | - | - | 1.9% | -0.8% |
| FCF CAGR (5y) | 2.9% | -2.2% | -2.3% | - | 17.0% | - |
| Book value growth (YoY) | 5.3% | 5.2% | -3.9% | 6.7% | 53.9% | 13.1% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Business segments
$4.59B totalUSMarkets$3.58B · 78.0%
International$1.01B · 22.0%
Product / service
$3.58B totalFinancial Services$1.68B · 47.1%
Emerging Verticals$1.32B · 36.9%
Consumer Interactive$575.30M · 16.1%
Geographic
$1.01B totalGB$269.70M · 26.7%
IN$264.20M · 26.1%
CA$167.00M · 16.5%
Latin America$135.40M · 13.4%
Asia Pacific$100.50M · 9.9%
Africa$74.10M · 7.3%
Stability scores
Altman Z′
FY 2025 · bankruptcy risk
1.20
Distress
Private-firm variant - uses book equity instead of market cap. > 2.90 safe · 1.23-2.90 grey · < 1.23 distress.
Piotroski F-score
FY 2025 · 9-point quality
8/9
Strong
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- ✓Long-term debt decreased
- ✓Current ratio improved
- ✓No share dilution
- -Gross margin improved
- ✓Asset turnover improved
Peer comparison
Same SIC group: Services-Consumer Credit Reporting, Collection Agencies
Comparing TransUnion against the 5 most active filers in the same SIC group.
Dividends
$0.48/share trailing 12 months · +9.1% YoY
| Ex-date | Per share |
|---|---|
| May 27, 2026 | $0.1250 |
| Feb 26, 2026 | $0.1250 |
| Nov 21, 2025 | $0.1150 |
| Aug 22, 2025 | $0.1150 |
| May 22, 2025 | $0.1150 |
| Feb 27, 2025 | $0.1150 |
| Nov 22, 2024 | $0.1050 |
| Aug 23, 2024 | $0.1050 |
| May 16, 2024 | $0.1050 |
| Mar 6, 2024 | $0.1050 |
| Nov 16, 2023 | $0.1050 |
| Aug 22, 2023 | $0.1050 |
| May 18, 2023 | $0.1050 |
| Mar 8, 2023 | $0.1050 |
| Nov 16, 2022 | $0.1050 |
| Aug 24, 2022 | $0.1050 |
| May 26, 2022 | $0.0950 |
| Mar 9, 2022 | $0.0950 |
| Nov 23, 2021 | $0.0950 |
| Aug 24, 2021 | $0.0950 |
| May 25, 2021 | $0.0950 |
| Mar 10, 2021 | $0.0750 |
| Nov 24, 2020 | $0.0750 |
| Aug 19, 2020 | $0.0750 |