What is the 13F Pro Quality Score for TRU?

13F Pro ranks TransUnion (TRU) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View TRU's current score at https://13fpro.ai/company/TRU (free sign-up required for the full ranking).

Which hedge funds own the most TRU stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of TRU include DODGE & COX, MASSACHUSETTS FINANCIAL SERVICES CO /MA/, BlackRock,. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/company/TRU as soon as new 13F filings post.

Where does 13F Pro source TRU data?

All TransUnion fundamentals and ownership data come directly from SEC EDGAR. TransUnion files with the SEC under CIK 1552033. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is TRU in?

TransUnion (TRU) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives TRU's revenue?

Per TransUnion's latest 10-Q filed with the SEC on 2026-07-28, the biggest revenue drivers are: U.S. Markets ($992.7M, +11.5% YoY); International ($320.8M, +26.8% YoY); Financial Services ($496.3M, +18.2% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/TRU.

What are TRU's largest expenses?

TransUnion's latest 10-Q reports these as the largest expense items: Cost of services ($544.6M, +15.9% YoY); Selling, general and administrative ($346.5M, +3.4% YoY); Depreciation and amortization ($160.5M, +12.5% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is TRU research updated on 13F Pro?

TRU's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

TransUnion(TRU)Stock Analysis

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SEC EDGAR: CIK 1552033 TRU stock profile & AI dashboard →

13F Pro Quality Score

65.6/100

Rank #471 of 2,961 stocksTOP 25%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

59.2/100

Profitability

78.4/100

Balance Sheet

73.7/100

Earnings Quality

67.7/100

Free Cash Flow

65.0/100

Institutional Flow

47.7/100

Revenue Scale

77.1/100

Dilution Risk

31.2/100

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Why TRU Scores 66/100

exact factor attribution · 2026-09-11

TRU's composite is driven by profitability and scale, held back by shareholder dilution. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+5.7 pts

78th pct

Scale

+5.4 pts

77th pct

Capital efficiency

+3.2 pts

74th pct

Revenue growth

+2.5 pts

59th pct

Free cash flow

+2.3 pts

65th pct

Earnings quality

+1.8 pts

68th pct

Earnings growth

+0.3 pts

55th pct

Institutional flow

-0.1 pts

48th pct

Shareholder dilution

-1.3 pts

31th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

TRU Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for TransUnion (TRU), a Financials sector company. 13F Pro's AI-powered ranking engine scores TRU at 65.6/100 on a 32-signal composite quality model, placing it at rank #471 of 2,961 stocks — the top 25% of the AI-ranked universe. TRU scores in the top quartile across profitability (78.4), revenue scale (77.1). Shareholder dilution risk is elevated at 31.2/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), TransUnion reports quarterly revenue of $1.2B, net income of $397.1M, 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. TransUnion's 13F Pro composite quality score has ranged between 45 and 73 since 2021, currently 65.6 — a stable long-term trajectory across 67 quarterly and live scoring snapshots.

What's Driving TRU's Business? Latest 10-Q Breakdown

✓ 30/30 datapoints verified

AI-extracted from TransUnion's 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.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q1 2026

$1.2B

Net Income

Q1 2026

$397.1M

Free Cash Flow

Q1 2026

$19.0M

Operating Margin

Q1 2026

19.7%

ROIC

Q1 2026

9.4%

D/E Ratio

Q1 2026

1.18

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+9.4% YoY

$4.58BFY 2025

FY22 $3.71BFY23 $3.83BFY24 $4.18BFY25 $4.58B

Net Income

+60.1% YoY

$455.4MFY 2025

FY22 $266.3MFY23 $-206.2MFY24 $284.4MFY25 $455.4M

Operating Income

+28.7% YoY

$857.8MFY 2025

FY22 $626.3MFY23 $128.5MFY24 $666.7MFY25 $857.8M

EPS (Diluted)

+60.0% YoY

$2.32FY 2025

FY22 $1.38FY23 $-1.07FY24 $1.45FY25 $2.32

Total Assets

+1.2% YoY

$11.11BFY 2025

FY22 $11.67BFY23 $11.11BFY24 $10.98BFY25 $11.11B

Total Debt

+1.6% YoY

$5.30BFY 2025

FY22 $5.78BFY23 $5.43BFY24 $5.22BFY25 $5.30B

Op. Cash Flow

+18.6% YoY

$987.6MFY 2025

FY22 $297.2MFY23 $645.4MFY24 $832.5MFY25 $987.6M

Free Cash Flow

+28.0% YoY

$661.6MFY 2025

FY22 $-1.0MFY23 $334.7MFY24 $516.7MFY25 $661.6M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$4.58B +9.4%	$4.18B +9.2%	$3.83B +3.3%	$3.71B +25.3%	$2.96B +17.0%	$2.53B
Net Income	$455.4M +60.1%	$284.4M +237.9%	$-206.2M -177.4%	$266.3M -80.8%	$1.39B +305.1%	$343.2M
Operating Income	$857.8M +28.7%	$666.7M +418.8%	$128.5M -79.5%	$626.3M -3.9%	$651.9M +30.3%	$500.3M
EPS (Diluted)	$2.32 +60.0%	$1.45 +235.5%	$-1.07 -177.5%	$1.38 -80.8%	$7.20 +302.2%	$1.79
Total Assets	$11.11B +1.2%	$10.98B -1.1%	$11.11B -4.8%	$11.67B -7.7%	$12.63B +72.8%	$7.31B
Total Debt	$5.30B +1.6%	$5.22B -3.9%	$5.43B -6.1%	$5.78B -10.7%	$6.48B +84.6%	$3.51B
Operating Cash Flow	$987.6M +18.6%	$832.5M +29.0%	$645.4M +117.2%	$297.2M -63.2%	$808.3M +2.6%	$787.6M
Free Cash Flow	$661.6M +28.0%	$516.7M +54.4%	$334.7M +33570.0%	$-1.0M -100.2%	$584.1M +0.4%	$582.0M

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Available Research

13F Pro tracks comprehensive data for TransUnion including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of TRU

DODGE & COX
$1.7B24,196,211 sh
MASSACHUSETTS FINANCIAL SERVICES CO /MA/
$1.5B10,667,983 sh
BlackRock, Inc.
$1.4B18,957,034 sh
Independent Franchise Partners LLP
$1.0B13,976,652 sh
FMR LLC
$845.2M11,715,822 sh
VANGUARD CAPITAL MANAGEMENT LLC
$628.9M8,717,448 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$592.2M8,208,801 sh
STATE STREET CORP
$513.4M7,117,054 sh
T. Rowe Price Investment Management, Inc.
$493.2M6,836,382 sh
WELLINGTON MANAGEMENT GROUP LLP
$476.4M6,603,407 sh

Fund	Value	Shares
DODGE & COX	$1.7B	24,196,211
MASSACHUSETTS FINANCIAL SERVICES CO /MA/	$1.5B	10,667,983
BlackRock, Inc.	$1.4B	18,957,034
Independent Franchise Partners LLP	$1.0B	13,976,652
FMR LLC	$845.2M	11,715,822
VANGUARD CAPITAL MANAGEMENT LLC	$628.9M	8,717,448
VANGUARD PORTFOLIO MANAGEMENT LLC	$592.2M	8,208,801
STATE STREET CORP	$513.4M	7,117,054
T. Rowe Price Investment Management, Inc.	$493.2M	6,836,382
WELLINGTON MANAGEMENT GROUP LLP	$476.4M	6,603,407

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Is TRU a good stock to buy?

13F Pro's AI-powered analysis of TransUnion (TRU) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for TRU are available on the TRU stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. TRU is classified as a large company.

Which hedge funds own TRU?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling TRU. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of TransUnion's investment landscape.