Analyst Consensus ?
ConsensusBuy27 ratings
Bullish1970.4%
Neutral829.6%
Bearish00.0%
TransUnion · TRU · FY2026 Q1 · Calendar Q2 2026
TransUnion Q1: AI momentum and guidance resilience
The supplied analysis supports a constructive but qualified view: TransUnion paired strong Q1 organic growth and AI-product momentum with maintained full-year guidance, while macro, mortgage, adoption and integration risks temper the outlook.
Reported Before market openNYSEFinancial Services
$14.64B market cap
100quality score
Earnings scorecard
Reported versus consensus
Reported EPS
$1.18
Consensus $1.11
EPS surprise
+6.3%
Reported versus consensus
Reported revenue
$1.25B
Consensus $1.21B
Revenue surprise
+3.0%
Reported versus consensus
Market reaction
prior-close to event-session close
Stock move
-1.6%
Event window
SPY move
-0.5%
Same window
Abnormal move
-1.1%
Stock minus SPY
Volume
1.8×
Versus trailing sessions
Subsequent drift
+1.1%
Up to 20 sessions
TRUSPY benchmark
Ask FN2 about TRU FY2026 Q1
Transcript, numbers and history already loaded
Why did TRU fall 1.6% after beating EPS estimates in FY2026 Q1?What changed in TRU's guidance and outlook in FY2026 Q1?Give me the bull and bear case for TRU after FY2026 Q1 earnings.
Free account. Your question opens in FN2 with this report's transcript and numbers attached.
Transcript intelligence
What changed
Compared with the prior-quarter analysis, the company had completed the TransUnion Mexico and RealNetworks Mobile acquisitions, reported 11% organic constant-currency growth, and highlighted a growing pipeline from new AI-driven fraud models. Management continued to emphasize OneTru, trusted call solutions and international expansion.
Guidance delta
Management maintained full-year guidance, including 8–9% organic revenue growth and 9–11% EPS growth, according to the supplied transcript analysis.
Key takeaways
- Q1 organic constant-currency revenue growth was 11%, led by U.S. markets and financial services, according to the supplied analysis.
- Management described AI-enabled products as a core growth engine, including TruIQ Analytics and faster fraud-model deployment.
- Mexico and RealNetworks acquisitions broaden the product base, while macro, mortgage and integration risks remain.
Management priorities
- Roll out AI-enabled products on the OneTru platform throughout 2026.
- Integrate RealNetworks mobile capabilities and expand trusted call and messaging solutions globally.
- Continue disciplined share repurchases and pursue strategic bolt-on acquisitions.
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Estimate
Beat
Miss
Match
Analyst 52W Price Targets
$76.79Current
$68Low
$96.89Average
$134High
Latest persisted target per named analyst; persisted current price from FN2's market snapshot as of Nov 1, 2026. Not an FN2 forecast.
Firm-level rating actions
FMP grade actions identify the grading firm, not a named analyst.
| Firm | Rating | Prior rating | Action | Date |
|---|---|---|---|---|
| Wells Fargo | Overweight | Overweight | Maintain | Oct 28, 2026 |
| Stifel | Buy | Buy | Maintain | Oct 28, 2026 |
| Needham | Buy | Buy | Maintain | Oct 28, 2026 |
| Goldman Sachs | Neutral | Neutral | Maintain | Oct 28, 2026 |
| UBS | Neutral | Neutral | Maintain | Oct 21, 2026 |
| Mizuho | Neutral | Neutral | Maintain | Oct 19, 2026 |
| RBC Capital | Outperform | Outperform | Maintain | Oct 16, 2026 |
| Morgan Stanley | Overweight | Overweight | Maintain | Oct 13, 2026 |
| Barclays | Equal Weight | Equal Weight | Maintain | Oct 2, 2026 |
| BMO Capital | Outperform | Outperform | Maintain | Jul 29, 2026 |
| Baird | Outperform | Outperform | Maintain | Jul 29, 2026 |
| B of A Securities | Neutral | Neutral | Maintain | May 19, 2026 |
| JP Morgan | Overweight | Overweight | Maintain | Apr 29, 2026 |
| Oppenheimer | Outperform | Outperform | Maintain | Jul 8, 2025 |
| Jefferies | Buy | Buy | Maintain | Jan 15, 2025 |
| Wolfe Research | Outperform | Peer Perform | Upgrade | Oct 10, 2024 |
| Evercore ISI Group | In Line | In Line | Maintain | Mar 26, 2024 |
| Truist Securities | Hold | Hold | Maintain | Feb 14, 2024 |
| Deutsche Bank | Buy | Buy | Maintain | Nov 16, 2023 |
| Exane BNP Paribas | Outperform | Neutral | Upgrade | Mar 1, 2023 |
| Credit Suisse | Neutral | Neutral | Maintain | Feb 15, 2023 |
| Atlantic Equities | Overweight | Overweight | Maintain | Sep 22, 2022 |
| SunTrust Robinson Humphrey | Buy | Buy | Maintain | Apr 29, 2020 |
| Stifel Nicolaus | Buy | Buy | Maintain | Feb 19, 2020 |
| Bank of America | Buy | Buy | Maintain | Jul 25, 2018 |
| William Blair | Outperform | Outperform | Maintain | Apr 8, 2016 |
| Cowen & Co. | Outperform | Outperform | Maintain | Mar 30, 2016 |
Named analyst price targets
Upside is calculated against the persisted current price $76.79. FMP does not supply a rating on these named-analyst rows.
| Firm | Analyst | 52W target | Price when posted | Upside | Date |
|---|---|---|---|---|---|
| Robert W. Baird | Analyst unavailable | $99 | $75.42 | +28.9% | Oct 28, 2026 |
| Goldman Sachs | George Tong | $78 | $75.42 | +1.6% | Oct 28, 2026 |
| Wells Fargo | Analyst unavailable | $96 | $75.42 | +25.0% | Oct 28, 2026 |
| UBS | Analyst unavailable | $83 | $78.72 | +8.1% | Oct 21, 2026 |
| Mizuho Securities | Analyst unavailable | $74 | $74.08 | -3.6% | Oct 19, 2026 |
| RBC Capital | Analyst unavailable | $92 | $73.7 | +19.8% | Oct 16, 2026 |
| Morgan Stanley | Analyst unavailable | $97 | $66.3 | +26.3% | Oct 13, 2026 |
| Goldman Sachs | Analyst unavailable | $68 | $62.18 | -11.4% | Oct 2, 2026 |
| Barclays | Analyst unavailable | $70 | $62.18 | -8.8% | Oct 2, 2026 |
| Goldman Sachs | Analyst unavailable | $77 | $66.19 | +0.3% | Sep 29, 2026 |
| UBS | Analyst unavailable | $80 | $69.78 | +4.2% | Sep 24, 2026 |
| UBS | Analyst unavailable | $82 | $71.54 | +6.8% | Sep 21, 2026 |
| BMO Capital | Analyst unavailable | $98 | $84.66 | +27.6% | Jul 29, 2026 |
| Needham | Kyle Peterson | $100 | $83.8 | +30.2% | Jul 29, 2026 |
| Morgan Stanley | Analyst unavailable | $106 | $83.8 | +38.0% | Jul 29, 2026 |
| Robert W. Baird | Jeffrey Meuler | $115 | $83.8 | +49.8% | Jul 29, 2026 |
| Stifel Nicolaus | Analyst unavailable | $96 | $83.8 | +25.0% | Jul 29, 2026 |
| Griffin | Ryan Griffin | $98 | $83.8 | +27.6% | Jul 29, 2026 |
| Goldman Sachs | Analyst unavailable | $82 | $83.8 | +6.8% | Jul 28, 2026 |
| Mizuho Securities | Sean Kennedy | $77 | $75.81 | +0.3% | Jul 2, 2026 |
| UBS | Analyst unavailable | $77 | $75.4 | +0.3% | Jul 2, 2026 |
| UBS | Kevin McVeigh | $72 | $67.31 | -6.2% | Jun 16, 2026 |
| Robert W. Baird | Analyst unavailable | $108 | $70.08 | +40.6% | Apr 29, 2026 |
| Mizuho Securities | Analyst unavailable | $80 | $74.81 | +4.2% | Apr 16, 2026 |
| New Street | Analyst unavailable | $100 | $71.61 | +30.2% | Mar 11, 2026 |
| Morgan Stanley | Analyst unavailable | $105 | $74.16 | +36.7% | Feb 13, 2026 |
| Goldman Sachs | George Tong | $80 | $74.06 | +4.2% | Feb 13, 2026 |
| Robert W. Baird | Jeffrey Meuler | $107 | $74.48 | +39.3% | Feb 13, 2026 |
| Deutsche Bank | Faiza Alwy | $111 | $73.98 | +44.6% | Feb 13, 2026 |
| Needham | Analyst unavailable | $95 | $73.08 | +23.7% | Feb 13, 2026 |
| Barclays | Manav Patnaik | $80 | $70.81 | +4.2% | Feb 13, 2026 |
| Morgan Stanley | Analyst unavailable | $120 | $86.15 | +56.3% | Dec 17, 2025 |
| Stifel Nicolaus | Analyst unavailable | $103 | $85.55 | +34.1% | Oct 24, 2025 |
| Robert W. Baird | Jeffrey Meuler | $125 | $85.55 | +62.8% | Oct 24, 2025 |
| UBS | Analyst unavailable | $90 | $83.48 | +17.2% | Oct 24, 2025 |
| Goldman Sachs | Analyst unavailable | $86 | $83.48 | +12.0% | Oct 24, 2025 |
| BMO Capital | Analyst unavailable | $105 | $85.55 | +36.7% | Oct 24, 2025 |
| Needham | Kyle Peterson | $115 | $78.82 | +49.8% | Oct 20, 2025 |
| Oppenheimer | Rayna Kumar | $93 | $77.7 | +21.1% | Oct 13, 2025 |
| Oppenheimer | Owen Lau | $108 | $92.74 | +40.6% | Jul 8, 2025 |
| Barclays | Manav Patnaik | $85 | $71.1 | +10.7% | Apr 4, 2025 |
| Morgan Stanley | Toni Kaplan | $119 | $108.23 | +55.0% | Oct 24, 2024 |
| Oppenheimer | Owen Lau | $118 | $105.51 | +53.7% | Oct 8, 2024 |
| UBS | Kevin McVeigh | $110 | $104.7 | +43.2% | Oct 1, 2024 |
| Redburn Partners | Simon Clinch | $98 | $71.88 | +27.6% | Apr 16, 2024 |
| Goldman Sachs | Analyst unavailable | $76 | $71 | -1.0% | Feb 6, 2023 |
| Truist Financial | Analyst unavailable | $74 | $71.66 | -3.6% | Feb 6, 2023 |
| Morgan Stanley | Analyst unavailable | $78 | $59.01 | +1.6% | Jan 4, 2023 |
| Morgan Stanley | Analyst unavailable | $80 | $60.4 | +4.2% | Nov 30, 2022 |
| Atlantic Equities | Simon Clinch | $90 | $65 | +17.2% | Sep 22, 2022 |
| Wells Fargo | Seth Weber | $88 | $81.31 | +14.6% | Jul 12, 2022 |
| Barclays | Manav Patnaik | $88 | $81.83 | +14.6% | Jun 27, 2022 |
| Deutsche Bank | Analyst unavailable | $114 | $90.48 | +48.5% | Apr 27, 2022 |
| Credit Suisse | Analyst unavailable | $90 | $90.98 | +17.2% | Apr 27, 2022 |
| Morgan Stanley | Analyst unavailable | $98 | $90.47 | +27.6% | Apr 27, 2022 |
| Deutsche Bank | Faiza Alwy | $124 | $100.6 | +61.5% | Apr 3, 2022 |
| Goldman Sachs | George Tong | $109 | $102.56 | +41.9% | Mar 21, 2022 |
| Bank of America Securities | Heather Balsky | $119 | $95.68 | +55.0% | Mar 11, 2022 |
| Atlantic Equities | Kunaal Malde | $130 | $90.66 | +69.3% | Feb 28, 2022 |
| Truist Financial | Andrew Jeffrey | $100 | $86.03 | +30.2% | Feb 23, 2022 |
| Evercore ISI | David Togut | $134 | $91.4 | +74.5% | Feb 22, 2022 |
| Cowen & Co. | Georgios Mihalos | $115 | $91.4 | +49.8% | Feb 22, 2022 |
| Stifel Nicolaus | Shlomo Rosenbaum | $120 | $97.69 | +56.3% | Feb 21, 2022 |
Track every rating change on TRU the moment it posts. Free to start.
Start freeCompany context
Snapshot as of publicationTransUnion operates as a global consumer credit reporting agency that provides risk and information solutions. The company operates in two segments, U.S. Markets and International. The U.S. Markets segment provides credit reporting, credit marketing, analytics and consulting, identity verification, and authentication and debt recovery solutions for financial services industry; and onboarding and transaction processing products, scoring and analytic products, marketing solutions, fraud and identity management solutions, and customer retention solutions, as well select market-specific solutions for insurance, technology, retail and e-commerce, telecommunications, media, tenant and employment screening, collections, and public sectors.…
Historical context
All TRU earningsFinancial Services peers this season
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|---|---|---|---|---|
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| COIN Coinbase Global, Inc. | FY2026 Q3 · Calendar Q4 2026 | +1189.2% | -10.6% | Coinbase offsets lower spot trading with prediction markets and AI agents |
| TPG TPG Inc. | FY2026 Q3 · Calendar Q4 2026 | +4.3% | +7.5% | TPG raises FRE margin outlook as capital formation accelerates |
| AJG Arthur J. Gallagher & Co. | FY2026 Q3 · Calendar Q4 2026 | +0.3% | +2.9% | AJG: Q3 growth and AssuredPartners synergies support outlook |
Latest beats and misses
Who reports nextBeat on EPS
- CHDFY2026 Q3 · October 30, 2026+2.2% EPS+1.2% move
- AZNFY2026 Q3 · October 30, 2026+7.3% EPS+7.0% move
- FRTFY2026 Q3 · October 30, 2026+3.9% EPS-1.1% move
- CVXFY2026 Q3 · October 30, 2026+8.4% EPS+1.8% move
- BTSGFY2026 Q3 · October 30, 2026+14.2% EPS+11.1% move
- EXCFY2026 Q3 · October 30, 2026+10.4% EPS+0.5% move
Missed on EPS
- GLPIFY2026 Q3 · October 29, 2026-11.5% EPS-1.3% move
- LYBFY2026 Q3 · October 30, 2026-1.2% EPS+5.0% move
- CCJFY2026 Q3 · October 30, 2026-101.4% EPS-7.9% move
- VALEFY2026 Q3 · October 29, 2026-24.6% EPS+1.9% move
- DLR-PLFY2026 Q3 · October 29, 2026-8.4% EPS— move
- DLR-PKFY2026 Q3 · October 29, 2026-8.4% EPS— move
Get the TRU recap when the next report posts
One email per quarter with the scorecard, the market reaction and what changed on the call. No account needed.
Sources
- Earnings call transcript and parsed analysis · 2026-05-11T10:29:34.698584+00:00
- FN2 earnings calendar · 2026-07-26T00:37:12.209961+00:00
- Polygon adjusted daily market bars · 2026-11-01T01:40:42.803538+00:00
- Financial Modeling Prep analyst price-target consensus and quote snapshot · 2026-11-01T01:40:42.801431+00:00
Methodology
Reported and consensus figures come from FN2's earnings event records. Market reaction and volume are calculated from daily adjusted bars around the event; abnormal move subtracts the SPY move over the same window.
Analyst target low, average, and high values are derived at request time from each named analyst's latest persisted FMP target. The current-price marker comes from FN2's persisted market snapshot. They are sell-side estimates, not an FN2 valuation or recommendation.
Transcript intelligence is a structured synthesis of the current and prior earnings-call analyses. Missing values stay missing and are never estimated.
By FN2 Research · Updated · As of 2026-11-01. For educational purposes only; not investment advice.