AI-extracted from the 10-Q filed 2026-07-28 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
TransUnion's Q2 FY2026 revenue grew 14.9% YoY to $1,309.6M on broad-based growth in both segments plus contributions from the Trans Union de Mexico and Monevo acquisitions, lifting net income attributable to TransUnion 30.8% to $143.4M.
Biggest Revenue Drivers
U.S. Markets$992.7M+11.5% YoY
Growth in Financial Services and Emerging Verticals, partially offset by a decrease in Consumer Interactive.
International$320.8M+26.8% YoY
Driven primarily by the Trans Union de Mexico and Monevo acquisitions, which contributed 21.2% of the growth.
Biggest Revenue Drivers
Total revenue: $1,309.6M+14.9% YoY
U.S. Markets$992.7M+11.5% YoY
Growth in Financial Services and Emerging Verticals, partially offset by a decrease in Consumer Interactive.
Within U.S. Markets
Financial Services$496.3M+18.2% YoY
Majority of growth from Mortgage due to price increases, including FICO mortgage royalties, and volume.
Consumer Interactive$142.5M-3.0% YoY
Decrease in demand for paid credit products, partially offset by higher indirect channel breach revenue.
International$320.8M+26.8% YoY
Driven primarily by the Trans Union de Mexico and Monevo acquisitions, which contributed 21.2% of the growth.
Within International
Latin America$92.7M+171.9% YoY
Acquisition of majority ownership interest in Trans Union de Mexico contributed 157.5% of the growth.
Largest Expense Items
Cost of services$544.6M+15.9% YoY
Increase of ~$75.0M in product and fulfillment costs from pricing (including FICO mortgage royalties), acquisitions, and volume growth.
Selling, general and administrative$346.5M+3.4% YoY
Increase of ~$16.0M in labor-related costs including stock-based compensation, salaries and commissions, partly offset by lower advertising.
Depreciation and amortization$160.5M+12.5% YoY
Higher capital expenditures from the accelerated technology investment and incremental intangible amortization from recent acquisitions.
Margins: Operating income rose 34.2% to $258.0M as revenue growth outpaced expenses, but Consolidated Adjusted EBITDA margin fell 90bps to 34.8%, driven primarily by higher FICO mortgage royalty costs in U.S. Markets.
Watch Items from the Filing
CFPB Enforcement Division has authority to pursue an action over Trans Union LLC's dispute handling practices; engagement has paused and the company cannot estimate timing, outcome, or exposure.
TransUnion funded the $659.7M Trans Union de Mexico acquisition largely via its revolving credit facility, which had zero balance a year ago and now carries $520.0M outstanding, pushing net debt to $4,746.2M (2.6x leverage ratio).
Uncertainty related to FICO's new Mortgage Direct License Program is cited as a risk factor even as FICO mortgage royalty pricing is already pressuring segment margins.
Consumer Interactive revenue declined for a second straight period (-3.0% in Q2, -0.9% in H1) on falling demand for paid credit products.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
Cartwright Christopher APresident and CEOShares withheld for tax or exercise price · Aug 28, 2026
Cello Todd MEVP & CFOShares withheld for tax or exercise price · Aug 28, 2026
Congress trading in TRU
2 transactions in TRU reported by 2 members of Congress under the STOCK Act, most recent trade May 25, 2023. Reported transactions, not recommendations.
About TransUnion (TRU): stock profile, AI score and financials
TransUnion (TRU) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores TRU at 66.7/100 on a composite quality score built from its SEC filings, placing it at rank #394 of 2,925 stocks — the top 25% of the AI-ranked universe. TRU scores in the top quartile across profitability (78.4), revenue scale (77.4). Shareholder dilution risk is elevated at 30.6/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), TransUnion reports quarterly revenue of $1.3B, net income of $143.4M, an operating margin of 19.7%. Top institutional holders of TRU by reported 13-F value include DODGE & COX, MASSACHUSETTS FINANCIAL SERVICES, BlackRock, based on the most recent SEC filings. TRU trades on the NYSE exchange and files with the SEC under CIK 1552033. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate TRU daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for TransUnion directly from SEC EDGAR.