TacticScaleWhat TransUnion Does & How It Makes Money (TRU)
Updated October 2026 · reflects TransUnion's latest reported financials
Global consumer credit reporting agency providing risk and information solutions. It earns fees from businesses such as lenders, insurers, retailers and telecom companies that buy credit reports, scores, analytics, marketing data and fraud/identity tools, plus subscription and service revenue from consumers who pay for credit monitoring and identity protection.
How TransUnion makes money
It earns fees from businesses such as lenders, insurers, retailers and telecom companies that buy credit reports, scores, analytics, marketing data and fraud/identity tools, plus subscription and service revenue from consumers who pay for credit monitoring and identity protection.
What TransUnion does
TransUnion, founded in 1968 and headquartered in Chicago, is a global consumer credit reporting agency that provides risk and information solutions. Its U.S. Markets segment sells credit reporting, scoring, analytics, marketing, fraud and identity management, and debt recovery solutions to financial services firms, along with tailored products for insurance, retail and e-commerce, telecom, media, tenant and employment screening, collections and the public sector. It also sells credit reports, scores, credit freezes, monitoring and identity protection directly to consumers, and helps businesses respond to data breaches. The International segment offers credit reports, analytics, technology solutions and other risk management services, plus consumer and commercial credit information, insurance and auto information solutions. It serves customers in financial services, retail credit, insurance, automotive, collections, public sector and communications through direct and indirect channels. The company was known as TransUnion Holding Company, Inc. until it took its current name in March 2015.
Products & services
- Credit reports and credit scores
- Analytics and consulting
- Fraud and identity management / authentication
- Credit marketing and customer retention solutions
- Tenant and employment screening
- Consumer credit monitoring, freezes and identity protection
What is TransUnion worth?
On an owner-earnings DCF, TransUnion's most-likely value is about $117 versus a recent price near $65 (78% below fair value). But TacticScale only calls a stock undervalued when the price sits below its conservative no-growth floor (~$45) with a margin of safety — so the honest verdict here is “Fairly priced — no edge.” Fair value earns its keep only at the extremes, not in the wide middle.
Price sits in the normal range — fair value isn't actionable here; it earns its keep only when price drops below the no-growth floor, or runs to roughly double the optimistic case.
⚠ High leverage — net debt is 6.2× annual cash flow. Net debt is subtracted from this fair value, but refinancing at higher rates, principal timing, and share dilution aren’t modeled — the equity can be worth far less if cash flow weakens.
Analysis, not advice. Fair value is a margin-of-safety estimate from a deterministic owner-earnings DCF, not a price target or recommendation. See the full breakdown →
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