TransUnion (TRU)
NYSEIndustrialsFinancial - Data & Stock ExchangesSnapshot 2026-11-04
$82.13+4.56%
Close 2026-11-04 · 1-day change
NYSEIndustrialsFinancial - Data & Stock ExchangesSnapshot 2026-11-04
QuarterlyIQ Insights · TRU
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 1.8% |
| Our one-year growth estimate | diamond | 7.5% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Usually moved in the opposite direction.
Price observations: 365 days
Most sensitive to the broad stock market and real (inflation-adjusted) rates.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 5.7 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 10 industry peers · Company calendar date is not available
TRU — CFO transition
Dated 2026-11-05
CFO — Todd M. Cello: The CFO is resigning but is being succeeded by an internal promotion to Interim CFO, indicating an orderly transition rather than a sudden loss of leadership.
Why it matters: The CFO plans to leave at year-end after 29 years at the company. A named successor and smooth handoff would ease transition concerns.
Supportive ifTransUnion names a CFO successor before December 31, 2026, and confirms the handoff is on track by March 1, 2027.
Worry ifNo successor is named by December 31, 2026, or the planned advisor handoff slips past March 1, 2027.
Why it matters: Q3 margin fell to 35.4% from 36.3% a year ago. A further drop would point to weaker profit flow-through.
Worry ifQ4 Adjusted EBITDA margin is below the guided low end of 35.6%.
Less concerning ifQ4 Adjusted EBITDA margin is 36.3% or higher. That matches or beats the year-ago Q3 level.
Why it matters: The company repurchased $243 million of shares through Q3 and said it may reach $500 million for 2026. The year-end total tests that plan.
Supportive ifThe 2026 year-end report shows total share repurchases of $500 million or more.
Worry ifThe 2026 year-end report shows share repurchases under $243 million, or the company cuts its stated plan.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$157 on $10,000 · ±1.6% | How much price usually moves either way. |
| Bad day | $423 loss on $10,000 · 4.2% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $3,041 loss on $10,000 · 30.4% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.