GET DAILY SIGNALSTransUnion (TRU) Reports +12.2% Revenue Growth in Third Quarter 2026
Key Takeaways
- TransUnion reported third-quarter 2026 revenue of $1.312 billion, up 12.2% year over year and in line with Wall Street consensus estimates.
- Adjusted diluted earnings per share (EPS) came in at $1.25, up 14% year over year and ahead of the $1.21 consensus estimate.
- Adjusted EBITDA reached $464.8 million, a 35.4% margin, slightly above expectations.
- International revenue returned to double-digit growth, rising 10% on an organic constant-currency basis, led by 18% growth in both India and Latin America.
- Management raised full-year 2026 adjusted diluted EPS guidance to $4.81 to $4.88 and increased the share repurchase authorization by $1 billion to $2 billion.
- The company raised its quarterly dividend to $0.135 per share, up from $0.125.
- For more detail on this ticker's Major News, Today's Price Move, Price Targets, and Forecast, explore the dedicated pages available for TRU.
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Earnings Context and Why It Matters
TransUnion stands as one of the three major U.S. consumer credit bureaus, so its quarterly updates offer a useful window into consumer credit demand, mortgage trends, and broader lending conditions. The third quarter of 2026 played out against rising interest rates, with the 10-year Treasury yield near 5% and 30-year mortgage rates above 7%, which continued to weigh on mortgage originations. In this setting, the company's growth depends on expanding beyond core credit reporting into areas like insurance, fraud prevention, and marketing solutions, plus momentum in international markets such as India and Latin America. This report provided a chance to see whether those drivers could counterbalance softness in the U.S. mortgage segment.
Reported Results
TransUnion posted third-quarter 2026 revenue of $1.312 billion, a 12.2% rise from $1.169 billion the prior year, which aligned with the $1.31 billion consensus. Organic constant-currency revenue growth reached 8%, or roughly 5.5% when excluding FICO mortgage royalties. Adjusted diluted EPS of $1.25 represented a 14% year-over-year increase and topped the $1.21 estimate, while adjusted EBITDA hit $464.8 million for a 35.4% margin that edged past expectations. On a GAAP basis, net income attributable to TransUnion totaled $156.2 million, or $0.81 per share, compared with $96.6 million, or $0.49 per share, a year earlier.
U.S. Markets revenue advanced 7% to $977 million, supported by 11% growth in financial services and continued double-digit gains in insurance. International revenue climbed 10% organically to $339 million, with India and Latin America each posting 18% increases. Management lifted full-year adjusted diluted EPS guidance to $4.81 to $4.88 and set fourth-quarter revenue expectations at $1.264 billion to $1.294 billion. I also checked this using Tickeron’s AI Screener to see how the stock compares to others in the industry.
Market Reaction and Investor Sentiment
Shares of TRU held relatively steady in early trading after the release, as the EPS beat was offset by fourth-quarter revenue guidance that came in modestly below consensus. The outlook pointed to revenue between $1.264 billion and $1.294 billion, with the midpoint under analysts' roughly $1.30 billion expectation. Management tied the softer near-term projection to higher interest rates and an anticipated drop of more than 20% in mortgage inquiries during the fourth quarter. At the same time, the raised full-year adjusted EPS guidance, higher dividend, and expanded buyback authorization reflected confidence in longer-term cash flow even with ongoing mortgage headwinds.
Forward Outlook and Key Factors to Monitor
Looking ahead, attention will center on how TransUnion manages the higher-rate environment in the U.S., where mortgage inquiries are projected to fall sharply in the fourth quarter. The company has noted that 30-year mortgage rates above 7% are pressuring affordability and borrowing costs, with the 10-year Treasury yield near 5% adding further strain.
Outside of mortgages, the insurance business continues to serve as a primary growth area. TransUnion anticipates insurance revenue will exceed $430 million in 2026, aided by recurring policy renewals and progress in non-core credit offerings such as driving history and fraud solutions. The firm also highlighted a substantial backlog of awarded contracts expected to build over the next two to three years.
International performance remains another focus, with India and Latin America each delivering 18% growth in the quarter. Plans call for extending the OneTru platform migration to Canada, India, and the U.K. in 2027. Higher interest expenses represent an additional item to track, as management expects net interest expense to increase by about $60 million in 2027 due to a higher SOFR forecast and the end of an expiring interest-rate swap. The interplay of these elements with share repurchases and ongoing diversification will influence earnings trends in upcoming periods.
Enhancing Analysis with Tickeron Tools
In my own workflow, I frequently use Tickeron’s AI Screener to quickly surface stocks showing similar earnings momentum or sector trends, which helps put results like these into broader context without spending hours on manual screens. It offers customizable filters for fundamentals, technical patterns, and performance metrics that can highlight comparable opportunities across industries.
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Contributor
Sergey Savastiouk, Ph.D. has a degree in Applied Mathematics from Moscow University and has extensive experience as an entrepreneur, investor, manager, and mathematician. His professional expertise is in applied mathematics, mathematical modeling, system and pattern analysis, and software and hardware system integration. He has served as the CEO of several hi-tech start-up companies and nonprofit organizations, which has given him proven capabilities in business strategy for high-tech start-up companies, market assessment, company formation, team building, product development, marketing, and sales. He has published numerous articles in journals and magazines on related fields. As a retail investor, he spent 15 years developing his proprietary trading and quantitative algorithms (now Tickeron’s A.I.), which brought him significant returns in trading the stock market. His current work and goal in founding Tickeron is to bring professional, sophisticated stock market analysis capabilities to retail investors via an easy-to-use interface.
TRU in +6.69% Uptrend, growing for three consecutive days on October 22, 2026
Moving higher for three straight days is viewed as a bullish sign. Keep an eye on this stock for future growth. Considering data from situations where TRU advanced for three days, in 200 of 295 cases, the price rose further within the following month. The odds of a continued upward trend are 68%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Momentum Indicator moved above the 0 level on October 13, 2026. You may want to consider a long position or call options on TRU as a result. In 51 of 78 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 65%.
The Moving Average Convergence Divergence (MACD) for TRU just turned positive on October 09, 2026. Looking at past instances where TRU's MACD turned positive, the stock continued to rise in 29 of 48 cases over the following month. The odds of a continued upward trend are 60%.
TRU moved above its 50-day moving average on October 20, 2026 date and that indicates a change from a downward trend to an upward trend.
The 10-day moving average for TRU crossed bullishly above the 50-day moving average on October 26, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 11 of 17 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 65%.
Bearish Trend Analysis
The 10-day RSI Indicator for TRU moved out of overbought territory on October 26, 2026. This could be a bearish sign for the stock. Traders may want to consider selling the stock or buying put options. Tickeron's A.I.dvisor looked at 30 similar instances where the indicator moved out of overbought territory. In 16 of the 30 cases, the stock moved lower in the following days. This puts the odds of a move lower at 53%.
The Stochastic Oscillator demonstrated that the ticker has stayed in the overbought zone for 9 days. The longer the ticker stays in the overbought zone, the sooner a price pull-back is expected.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where TRU declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 68%.
TRU broke above its upper Bollinger Band on October 22, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
The Aroon Indicator for TRU entered a downward trend on October 12, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron Price Growth Rating for this company is 42 (best 1 - 100 worst), indicating fairly steady price growth. TRU’s price grows at a lower rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron SMR rating for this company is 54 (best 1 - 100 worst), indicating slightly weaker than average sales and a marginally profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Valuation Rating of 68 (best 1 - 100 worst) indicates that the company is slightly overvalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (3.150) is normal, around the industry mean (4.065). P/E Ratio (20.789) is within average values for comparable stocks, (18.455). Projected Growth (PEG Ratio) (0.921) is also within normal values, averaging (1.780). Dividend Yield (0.006) settles around the average of (0.018) among similar stocks. TRU's P/S Ratio (2.976) is slightly lower than the industry average of (7.166).
The Tickeron PE Growth Rating for this company is 86 (best 1 - 100 worst), pointing to worse than average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Profit vs. Risk Rating rating for this company is 100 (best 1 - 100 worst), indicating that the returns do not compensate for the risks. TRU’s unstable profits reported over time resulted in significant Drawdowns within these last five years. A stable profit reduces stock drawdown and volatility. The average Profit vs. Risk Rating rating for the industry is 74, placing this stock worse than average.
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