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/research/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 MASSACHUSETTS FINANCIAL SERVICES CO /MA/, BlackRock,, DODGE & COX. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/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 2026-04-28, the biggest revenue drivers are: U.S. Markets ($975.1M, +13.8% YoY); Financial Services ($500.5M, +24.0% YoY); Emerging Verticals ($334.7M, +6.3% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/research/TRU.

What are TRU's largest expenses?

TransUnion's latest 10-Q reports these as the largest expense items: Cost of services ($519.5M, +16.6% YoY); Selling, general and administrative ($329.1M, +28.1% YoY); Depreciation and amortization ($152.3M, +9.7% YoY). Sourced directly from SEC EDGAR filing text for Q1 2026 (quarter ended March 31, 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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13F Pro Quality Score

69.1/100

Rank #382 of 2,879 stocksTOP 25%

View Financials peers →

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

Revenue Growth

63.5/100

Profitability

84.5/100

Balance Sheet

77.8/100

Earnings Quality

30.0/100

Free Cash Flow

63.1/100

Institutional Flow

73.3/100

Revenue Scale

77.0/100

Dilution Risk

32.4/100

TRU Stock Analysis & AI Quality Score

AI stock analysis and institutional research for TransUnion (TRU), a Financials sector company. 13F Pro's AI-powered ranking engine scores TRU at 69.1/100 on a 32-signal composite quality model, placing it at rank #382 of 2,879 stocks — the top 25% of the AI-ranked universe. TRU scores in the top quartile across profitability (84.5), balance sheet strength (77.8), revenue scale (77.0). Areas of concern include earnings quality (30.0), which score below median versus the broader universe. Shareholder dilution risk is elevated at 32.4/100, 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 MASSACHUSETTS FINANCIAL SERVICES CO /MA/, BlackRock,, DODGE & COX, 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 8 and 73 since 2021, currently 69.1 — a stable long-term trajectory across 56 quarterly and live scoring snapshots.

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

AI-extracted from TransUnion's 10-Q filed 2026-04-28 — Q1 2026 (quarter ended March 31, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

TransUnion Q1 revenue grew 13.7% to $1,246M, driven by 24% Financial Services growth and $660M acquisition of Mexico credit bureau; net income surged to $397M on $225.5M non-taxable step-acquisition gain.

Biggest Revenue Drivers

Total revenue: $1,245.7M+13.7% YoY

U.S. Markets$975.1M+13.8% YoY

Growth in Financial Services (+24%), Emerging Verticals (+6.3%), and Consumer Interactive (+1.3%)

Within U.S. Markets

Financial Services$500.5M+24.0% YoY

Mortgage growth from price and volume increases; Consumer Lending, Auto, Card & Banking volume increases

Emerging Verticals$334.7M+6.3% YoY

Insurance price and volume increases; other verticals from volume increases and pricing

International$274.0M+13.1% YoY

Trans Union de Mexico acquisition contributed 9.6%; organic growth in Canada, UK, Africa; India declined 10.5%

Largest Expense Items

Cost of services$519.5M+16.6% YoY

Higher product/fulfillment costs from pricing and volume increases, partially offset by lower technology costs from completed transformation program

Selling, general and administrative$329.1M+28.1% YoY

$56M CFPB lawsuit accrual reversal from Q1 2025 dismissal; higher labor and incentive compensation costs

Depreciation and amortization$152.3M+9.7% YoY

Incremental intangible asset amortization from recent acquisitions and prior technology investment capital expenditures

Margins: Consolidated Adjusted EBITDA margin declined 100 basis points to 35.2%, primarily due to higher FICO mortgage royalties in U.S. Markets and revenue mix shift in International, partially offset by cost savings realization from completed transformation program.

Watch Items from the Filing

Trans Union de Mexico acquisition ($660M cash outlay) funded via $520M revolving credit draw, increasing leverage; company maintains 2.8x leverage ratio but has material exposure to interest rate risk with 68.5% of $5.6B debt hedged.
Pending CFPB dispute-handling enforcement action alleging Fair Credit Reporting Act and CFPB Act violations; no loss estimate available; engagement paused due to leadership changes; company cannot predict timing or likelihood.
India revenue declined 10.5% YoY; Asia Pacific declined 18.2% YoY. India regulatory actions slowing credit expansion; regional weakness from macroeconomic headwinds and energy price increases from Middle East conflict.

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

2.4%

D/E Ratio

Q1 2026

1.18

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+9.2% YoY

$4.18BFY 2024

FY21 $2.96BFY22 $3.71BFY23 $3.83BFY24 $4.18B

Net Income

+237.9% YoY

$284.4MFY 2024

FY21 $1.39BFY22 $266.3MFY23 $-206.2MFY24 $284.4M

Operating Income

+418.8% YoY

$666.7MFY 2024

FY21 $651.9MFY22 $626.3MFY23 $128.5MFY24 $666.7M

EPS (Diluted)

+235.5% YoY

$1.45FY 2024

FY21 $7.20FY22 $1.38FY23 $-1.07FY24 $1.45

Total Assets

-1.1% YoY

$10.98BFY 2024

FY21 $12.63BFY22 $11.67BFY23 $11.11BFY24 $10.98B

Total Debt

-3.9% YoY

$5.22BFY 2024

FY21 $6.48BFY22 $5.78BFY23 $5.43BFY24 $5.22B

Op. Cash Flow

+29.0% YoY

$832.5MFY 2024

FY21 $808.3MFY22 $297.2MFY23 $645.4MFY24 $832.5M

Metric	FY 2024	FY 2023	FY 2022	FY 2021	FY 2018	FY 2017
Revenue	$4.18B +9.2%	$3.83B +3.3%	$3.71B +25.3%	$2.96B +27.7%	$2.32B +19.8%	$1.93B
Net Income	$284.4M +237.9%	$-206.2M -177.4%	$266.3M -80.8%	$1.39B +402.6%	$276.6M -37.3%	$441.2M
Operating Income	$666.7M +418.8%	$128.5M -79.5%	$626.3M -3.9%	$651.9M +27.2%	$512.5M +10.3%	$464.7M
EPS (Diluted)	$1.45 +235.5%	$-1.07 -177.5%	$1.38 -80.8%	$7.20 +396.6%	$1.45 -37.5%	$2.32
Total Assets	$10.98B -1.1%	$11.11B -4.8%	$11.67B -7.7%	$12.63B +79.5%	$7.04B +37.5%	$5.12B
Total Debt	$5.22B -3.9%	$5.43B -6.1%	$5.78B -10.7%	$6.48B +57.3%	$4.12B +59.4%	$2.58B
Operating Cash Flow	$832.5M +29.0%	$645.4M +117.2%	$297.2M -63.2%	$808.3M +45.5%	$555.7M +19.3%	$465.8M

AI Insight: TRU Financial Trends

Revenue growth accelerated to 13.7% year-over-year in Q1 2026, but debt increased $476M in the latest quarter.

• Revenue grew from $1,041M in Q2 2024 to $1,246M in Q1 2026, with acceleration to 13.7% year-over-year growth.

• Net income surged to $397M in Q1 2026, nearly tripling from $148M in Q1 2025.

• Operating cash flow remains volatile, dropping to $84M in Q1 2026 from $324M in Q3 2025.

⚠ Total debt jumped $306M to $5,607M in Q1 2026 after declining for three consecutive quarters.

⚠ Operating cash flow volatility continues with Q1 quarters showing significantly weaker performance than other quarters.

AI Insight: TRU Ratio Trends

TransUnion delivered exceptional Q1 2026 profitability with 31.9% net margin and 33.4% ROE, marking dramatic improvement from prior quarters.

• Net profit margin surged from 8.6% in Q4 2025 to 31.9% in Q1 2026.

• ROE jumped from 9.1% in Q4 2025 to 33.4% in Q1 2026.

• Operating margin expanded from 17.4% in Q4 2025 to 19.7% in Q1 2026.

• Debt-to-equity ratio improved from 1.27 in Q2 2024 to 1.18 in Q1 2026.

⚠ Q1 2026 profitability metrics appear unusually elevated versus historical quarterly patterns, suggesting potential one-time benefits.

⚠ ROIC remains below double-digits at 9.4% in Q1 2026 despite strong profit margins.

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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

MASSACHUSETTS FINANCIAL SERVICES CO /MA/
$1.6B13,146,925 sh
BlackRock, Inc.
$1.3B18,816,783 sh
DODGE & COX
$1.1B16,189,511 sh
Independent Franchise Partners LLP
$839.4M12,131,944 sh
WELLINGTON MANAGEMENT GROUP LLP
$757.8M10,952,962 sh
FMR LLC
$664.2M9,599,109 sh
VANGUARD CAPITAL MANAGEMENT LLC
$597.5M8,635,550 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$572.8M8,278,228 sh
STATE STREET CORP
$480.2M6,940,429 sh
MORGAN STANLEY
$479.5M6,929,853 sh

Fund	Value	Shares
MASSACHUSETTS FINANCIAL SERVICES CO /MA/	$1.6B	13,146,925
BlackRock, Inc.	$1.3B	18,816,783
DODGE & COX	$1.1B	16,189,511
Independent Franchise Partners LLP	$839.4M	12,131,944
WELLINGTON MANAGEMENT GROUP LLP	$757.8M	10,952,962
FMR LLC	$664.2M	9,599,109
VANGUARD CAPITAL MANAGEMENT LLC	$597.5M	8,635,550
VANGUARD PORTFOLIO MANAGEMENT LLC	$572.8M	8,278,228
STATE STREET CORP	$480.2M	6,940,429
MORGAN STANLEY	$479.5M	6,929,853

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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.

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.