TransUnion (TRU)

Over the past six months, TransUnion's stock has experienced some fluctuations. Key events impacting TRU's stock price include an insider stock sale, an acquisition announcement of the mobile division of RealNetworks, new partnerships for rental data with FrontLobby and Zenbase, and stronger-than-expected Q3 2025 earnings.

Demand for TransUnion's products and services exhibits some seasonal patterns. Consumer spending typically peaks during November and December, leading to higher borrowing and a potential increase in credit risk. General purpose credit card debt and retail store card debt show end-of-year peaks. Loan demand typically sees lows in late January and February, increases from March, and peaks in August or September. Seasonal growth in the bankcard market was expected to continue into the subsequent quarter, according to TransUnion's Q2 2025 report.

TransUnion is a global information and insights company operating in the information technology and data analytics sector. It is one of the three major credit bureaus in the United States, playing a crucial role in enabling trust between businesses and consumers worldwide. The company collects and aggregates consumer data to create credit reports and scores. TransUnion's major products and services include credit reports and scores, fraud prevention solutions, data analytics and risk management solutions, marketing solutions, consumer services, investigative solutions, and communications solutions. The company operates through two main segments: U.S. Markets and International.

TransUnion has a significant global presence, operating in over 30 countries across North America, Latin America, Europe, Africa, and Asia. The company has offices in the USA, Canada, South America, South Africa, the UK, and Asia.

TransUnion's brand reputation has been influenced by both positive developments and ongoing legal and data security challenges. A significant event was the dismissal of an enforcement action by the CFPB. TransUnion exited investor claims that its senior leaders had violated consumer protection laws. The company unveiled an enhanced identity threat intelligence technology, TruEmpower, to help consumers protect against identity crime. TransUnion released a whitepaper revealing that traditional methods had undervalued brand marketing's impact on sales. TransUnion was named a Gold Winner in the Best Branded Call Solution in the Telco Innovation Category by Juniper Research.

TransUnion's ownership structure is primarily dominated by institutional investors, who hold approximately 55.31% of the company's stock. Individual insiders own about 0.59%, and public companies and individual investors collectively hold 44.10%. Major institutional owners include BlackRock, Inc., Vanguard Group Inc, Massachusetts Financial Services Co /ma/, Wellington Management Group Llp, Morgan Stanley, T. Rowe Price Investment Management, Inc., State Street Corp, VTSMX - Vanguard Total Stock Market Index Fund Investor Shares, Meritage Group LP, and Farallon Capital Management Llc.