Jun 2026 (Q2 FY26) — Jul 28, 2026
TransUnion Q2 FY26 — Strong Performance Drives Raised Full-Year Guidance
Read the full callTransUnion (TRU) earnings
- Mar 2026
- Jun 2026 (Q2 FY26)
- Dec 2025
TransUnion earnings: last reported Tue, 28 Jul 2026, for the quarter ended Jun 2026.
Reported
The figures, each with its period
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | 1,246 | +13.7% YoY | Quarterly, as filed | Quarter to Mar 2026 | Revenue from operations as filed. |
| Operating margin | 19.6 | −3.6 pts YoY | Operating profit / revenue | Quarter to Mar 2026 | For the quarter; a change is in percentage points. |
| Net profit | 397 | +168.1% YoY | Quarterly, as filed | Quarter to Mar 2026 | Profit after tax as filed. |
Guidance
What management said, and what became of it
27 of 28 judged targets kept · 25 open · verdicts reflect calls analysed to Jun 2026.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| Q2 FY2026 adjusted diluted EPS guide | $1.13-$1.15, up 4%-6% | Mar 2026 | Adjusted diluted earnings per share was $1.23, up 13% year-over-year and $0.08 ahead of the high end of our guidance | Achieved |
| Canada, U.K. and Philippines core migration to OneTru | migrate Canada, U.K. and Philippines onto OneTru over the course of 2026 | Dec 2024 | Next up are our principal markets in Canada, in India, in the U.K. and of course, Mexico, where we want to move quickly there because there's a great opportunity. And again, once we complete that, which I would expect roughly to complete within the next 2 years | Delayed |
| FY2026 adjusted tax rate | approximately 26% | Dec 2025 | All other guidance items, including depreciation and amortization, net interest expense, adjusted tax rate and capital expenditures as a percent of revenue are unchanged from April | On Track |
1 of TransUnion's 53 targets was missed. See which ones, and which are quietly gone. The 3 above are the free sample; 50 more targets are in the full ledger.
Claimed
- Organic constant currency revenue grew 10%, exceeding 8%-9% guidance.
- Adjusted diluted EPS grew 13%, $0.08 ahead of guidance.
- U.S. Financial Services revenue grew 18% (10% ex-FICO mortgage royalties).
- International revenue accelerated to 6% organically, with Canada up 10% and India/U.K. high single digits.
- Leverage ratio decreased to 2.6x due to strong adjusted EBITDA growth.
Qualified
- Mortgage activity modestly pressured by 10-year treasury yield approaching 4.7% (up 50 bps from start of year).
- Adjusted EBITDA margin down 90 basis points year-over-year due to FICO mortgage royalties.
- Mortgage inquiry volumes expected to decline low double-digits in H2 FY26.
Price
$74.12 +10.73% · +$7.18
Performance −6.1% 1Y
1Y: $78.92 on 14 Oct 2025 → $74.12. High $87.97 (22 Dec 2025), low $61.12 (30 Sept 2026).
- Previous close
- $66.94
- 52-week range
- $61.12 – $87.97
- One year
- −6.71%
Overview
- Symbol
- TRU
- Sector
- Financials
- Exchange
- US
- Currency
- USD
Guidance
What management said, and what became of it
27 of 28 judged targets kept · 25 open · verdicts reflect calls analysed to Jun 2026.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| Q2 FY2026 adjusted diluted EPS guide | $1.13-$1.15, up 4%-6% | Mar 2026 | Adjusted diluted earnings per share was $1.23, up 13% year-over-year and $0.08 ahead of the high end of our guidance | Achieved |
| Canada, U.K. and Philippines core migration to OneTru | migrate Canada, U.K. and Philippines onto OneTru over the course of 2026 | Dec 2024 | Next up are our principal markets in Canada, in India, in the U.K. and of course, Mexico, where we want to move quickly there because there's a great opportunity. And again, once we complete that, which I would expect roughly to complete within the next 2 years | Delayed |
| FY2026 adjusted tax rate | approximately 26% | Dec 2025 | All other guidance items, including depreciation and amortization, net interest expense, adjusted tax rate and capital expenditures as a percent of revenue are unchanged from April | On Track |
Claimed
- Organic constant currency revenue grew 10%, exceeding 8%-9% guidance.
- Adjusted diluted EPS grew 13%, $0.08 ahead of guidance.
- U.S. Financial Services revenue grew 18% (10% ex-FICO mortgage royalties).
- International revenue accelerated to 6% organically, with Canada up 10% and India/U.K. high single digits.
- Leverage ratio decreased to 2.6x due to strong adjusted EBITDA growth.
Qualified
- Mortgage activity modestly pressured by 10-year treasury yield approaching 4.7% (up 50 bps from start of year).
- Adjusted EBITDA margin down 90 basis points year-over-year due to FICO mortgage royalties.
- Mortgage inquiry volumes expected to decline low double-digits in H2 FY26.
The full ledger
Open TransUnion’s full ledger
A free account opens 5 company ledgers a month. All 53 tracked commitments, with each call’s wording and source.
Call summaries
Mar 2026 (Q1 FY26) — Apr 28, 2026
TransUnion Q1 FY26 — Strong Start with Double-Digit Growth and Strategic Acquisitions
Read the full callEvery analysed call
TransUnion earnings calls (TRU)
Financials
What the filings say
Net profit, year on year: +168% (quarter to mar 2026 against mar 2025).
| Line item | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 1,041 | 1,085 | 1,037 | 1,096 | 1,140 | 1,170 | 1,171 | 1,246 |
| Operating profit | 182 | 156 | 171 | 254 | 192 | 208 | 204 | 245 |
| Operating margin | 17.5% | 14.4% | 16.5% | 23.2% | 16.9% | 17.8% | 17.4% | 19.6% |
| Other income | -62 | -60 | -70 | -61 | -35 | -57 | -61 | 183 |
| Interest | 68 | 67 | 62 | 56 | 56 | 63 | 62 | 62 |
| Profit before tax | 121 | 97 | 101 | 194 | 157 | 150 | 142 | 428 |
| Tax rate | 25.7% | 25.7% | 29.7% | 21.2% | 28.3% | 33.3% | 26.5% | 6.5% |
| Net profit | 85 | 68 | 66 | 148 | 110 | 97 | 101 | 397 |
| EPS ($ per share) | 0.44 | 0.35 | — | 0.76 | 0.56 | 0.50 | — | 2.06 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 |
| Reserves | 363 | 652 | 937 | 2,255 | 2,447 | 2,157 | 2,358 | 2,724 |
| Total liabilities | 5,058 | 4,774 | 4,676 | 8,629 | 7,397 | 7,000 | 6,666 | 6,568 |
| Fixed assets | 220 | 219 | 220 | 248 | 218 | 199 | 204 | 258 |
| Investments | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 |
| Total assets | 7,040 | 7,113 | 7,312 | 12,635 | 11,666 | 11,105 | 10,985 | 11,113 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | 556 | 777 | 788 | 808 | 297 | 645 | 833 | 988 |
| Cash from investing | -2,018 | -204 | -267 | -2,213 | -724 | -319 | -307 | -332 |
| Cash from financing | 1,540 | -487 | -297 | 2,762 | -820 | -439 | -309 | -495 |
| Net cash flow | 72 | 87 | 219 | 1,350 | -1,257 | -109 | 203 | 174 |
| Capital expenditure | -180 | -188 | -206 | -224 | -298 | -311 | -316 | -326 |
| Free cash flow | 376 | 589 | 582 | 584 | -1 | 335 | 517 | 662 |
TRU revenue by segment
US Markets shrank from 78% to 76% of revenue over the last two years.
| Segment | Q3 FY2024 | Q4 FY2024 | Q1 FY2025 | Q2 FY2025 | Q3 FY2025 | Q4 FY2025 | Q1 FY2026 | Q2 FY2026 | YoY growth latest quarter |
|---|---|---|---|---|---|---|---|---|---|
| US Markets | 78% | 76% | 78% | 78% | 78% | 78% | 78% | 76% | +11.5% |
| International | 22% | 24% | 22% | 22% | 22% | 22% | 22% | 25% | +26.8% |
Share of consolidated revenue by quarter. Q4 is the fiscal year less its first three quarters.
See how segments are shifting across companies → Segment Shift
Revenue by region
Q2 FY2026 · share of revenue
- Latin America 7% ↑ 4 pt
- GB 6%
- IN 5% ↓ 1 pt
- CA 4%
- Asia Pacific 2% ↓ 1 pt
- Africa 2%
As TRU cuts its regions in its filings; they can nest, so they need not add to 100%.
Insider filings
99 filings between Nov 3, 2025 and Oct 1, 2026.
Open market
decisions to buy or sellPurchases
None
No insider bought shares.
Sales
$9.40M
33 sales by 8 insiders
97% filed under a 10b5-1 plan — scheduled in advance, not decided on the day
Compensation
not trading decisions- 39
- Award — granted as compensation
- 27
- Tax withheld — shares kept back by the company to cover tax
Who traded
open market only| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| CHAOUKI STEVEN M | — | $2.59M | Sep 1, 2026 |
| Abdelsadek Mohamed | — | $2.11M | Oct 1, 2026 |
| Achanta Venkat | — | $1.79M | Sep 10, 2026 |
| RUSSELL HEATHER J | — | $953.6K | May 29, 2026 |
| Zuiker Alicia Brooke | — | $680.7K | Aug 11, 2026 |
| Skinner Todd C. | — | $597.7K | Oct 1, 2026 |
| Chambers Tiffani | — | $371.3K | Dec 17, 2025 |
| Williams Jennifer A. | — | $302.6K | Aug 31, 2026 |
Latest filings (50)
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Oct 1, 2026 | Skinner Todd C. President, International | Sale 10b5-1 plan | 1,000 | $62.3K |
| Oct 1, 2026 | Bernholz Malte H EVP, Chief Strategy & Corp Dev | Award | 123,834 | $0 |
| Oct 1, 2026 | Abdelsadek Mohamed EVP, Chief Global Solutions | Sale 10b5-1 plan | 250 | $15.6K |
| Sep 14, 2026 | Abdelsadek Mohamed EVP, Chief Global Solutions | Sale 10b5-1 plan | 1,250 | $98.8K |
| Sep 10, 2026 | Achanta Venkat EVP, Chief Tech, Data & Analy. | Sale | 23,287 | $1.79M |
| Sep 1, 2026 | CHAOUKI STEVEN M President, US Markets | Sale 10b5-1 plan | 1,000 | $84.4K |
| Sep 1, 2026 | Achanta Venkat EVP, Chief Tech, Data & Analy. | Award | 71,710 | $0 |
| Sep 1, 2026 | Ruebensaal Clayton F. EVP, Chief Marketing & Comms | Award | 5,976 | $0 |
| Sep 1, 2026 | Skinner Todd C. President, International | Sale 10b5-1 plan | 1,000 | $84.4K |
| Aug 31, 2026 | Williams Jennifer A. SVP, Chief Accounting Officer | Sale 10b5-1 plan | 1,070 | $90.5K |
| Aug 28, 2026 | Williams Jennifer A. SVP, Chief Accounting Officer | Tax withheld 10b5-1 plan | 446 | $38.2K |
| Aug 28, 2026 | Abdelsadek Mohamed EVP, Chief Global Solutions | Tax withheld | 2,501 | $214.3K |
| Aug 28, 2026 | Zuiker Alicia Brooke EVP, CHRO | Tax withheld | 987 | $84.6K |
| Aug 28, 2026 | Cello Todd M EVP & CFO | Tax withheld | 7,896 | $676.5K |
| Aug 28, 2026 | RUSSELL HEATHER J EVP, Chief Legal Officer | Tax withheld | 4,849 | $415.4K |
| Aug 28, 2026 | Skinner Todd C. President, International | Tax withheld | 7,085 | $607.0K |
| Aug 28, 2026 | CHAOUKI STEVEN M President, US Markets | Tax withheld | 8,018 | $686.9K |
| Aug 28, 2026 | Achanta Venkat EVP, Chief Tech, Data & Analy. | Tax withheld | 8,252 | $706.9K |
| Aug 28, 2026 | Chambers Tiffani EVP, Chief Operations Officer | Tax withheld | 1,686 | $144.4K |
| Aug 28, 2026 | Cartwright Christopher A President and CEO | Tax withheld | 29,262 | $2.51M |
| Aug 11, 2026 | Zuiker Alicia Brooke EVP, CHRO | Sale 10b5-1 plan | 8,673 | $680.7K |
| Aug 3, 2026 | Skinner Todd C. President, International | Sale 10b5-1 plan | 950 | $76.0K |
| Aug 3, 2026 | CHAOUKI STEVEN M President, US Markets | Sale 10b5-1 plan | 1,000 | $80.0K |
| Jul 28, 2026 | Abdelsadek Mohamed EVP, Chief Global Solutions | Sale 10b5-1 plan | 23,495 | $2.00M |
| Jul 7, 2026 | Williams Jennifer A. SVP, Chief Accounting Officer | Sale 10b5-1 plan | 972 | $77.8K |
| Jul 1, 2026 | Skinner Todd C. President, International | Sale 10b5-1 plan | 1,000 | $72.6K |
| Jul 1, 2026 | CHAOUKI STEVEN M President, US Markets | Sale 10b5-1 plan | 10,000 | $726.4K |
| Jul 1, 2026 | Zuiker Alicia Brooke EVP, CHRO | Tax withheld | 6,899 | $513.8K |
| Jun 1, 2026 | Williams Jennifer A. SVP, Chief Accounting Officer | Tax withheld | 404 | $29.7K |
| Jun 1, 2026 | Skinner Todd C. President, International | Sale 10b5-1 plan | 1,000 | $70.7K |
| Jun 1, 2026 | CHAOUKI STEVEN M President, US Markets | Sale 10b5-1 plan | 5,000 | $353.6K |
| May 29, 2026 | RUSSELL HEATHER J EVP, Chief Legal Officer | Sale 10b5-1 plan | 6,683 | $480.3K |
| May 18, 2026 | Achanta Venkat EVP, Chief Tech, Data & Analy. | Tax withheld | 16,213 | $1.11M |
| May 18, 2026 | Cartwright Christopher A President and CEO | Tax withheld | 26,284 | $1.80M |
| May 18, 2026 | Skinner Todd C. President, International | Tax withheld | 13,350 | $915.8K |
| May 18, 2026 | CHAOUKI STEVEN M President, US Markets | Tax withheld | 16,063 | $1.10M |
| May 18, 2026 | RUSSELL HEATHER J EVP, Chief Legal Officer | Tax withheld | 10,222 | $701.2K |
| May 18, 2026 | Cello Todd M EVP & CFO | Tax withheld | 18,253 | $1.25M |
| May 12, 2026 | Skinner Todd C. President, International | Award | 24,721 | $0 |
| May 12, 2026 | Cartwright Christopher A President and CEO | Award | 59,331 | $0 |
| May 12, 2026 | CHAOUKI STEVEN M President, US Markets | Award | 36,258 | $0 |
| May 12, 2026 | RUSSELL HEATHER J EVP, Chief Legal Officer | Award | 23,073 | $0 |
| May 12, 2026 | Cello Todd M EVP & CFO | Award | 41,202 | $0 |
| May 12, 2026 | Achanta Venkat EVP, Chief Tech, Data & Analy. | Award | 41,202 | $0 |
| May 12, 2026 | Zukauckas Linda Director | Award | 3,034 | $0 |
| May 12, 2026 | MONAHAN THOMAS L Director | Award | 3,034 | $0 |
| May 12, 2026 | GOTTDIENER CHARLES E Director | Award | 3,034 | $0 |
| May 12, 2026 | FRADIN RUSSELL P Director | Award | 3,034 | $0 |
| May 12, 2026 | Yarkoni Charlotte Director | Award | 3,034 | $0 |
| May 12, 2026 | JOSEPH PAMELA A Director | Award | 3,034 | $0 |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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