Stock Ratings / Financials / TRU / earnings

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TransUnion (TRU) Next Earnings Date & Expected ±9.5% Move

$75.49 +1.59% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot)

TransUnion (TRU) carries a Roarable Rating of C (Hold) with 64/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $14.40B

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INTERACTIVE SCENARIO DECK:

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RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

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Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+2.7% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for TRU)Realized 20D OHLCV Swing Band: ±9.5%

NEXT EST. WINDOW: Dec 30, 2026 (~58 DAYS)

Historical OHLCV Volatility ±9.5% Swing Band

±$7.17 Expected Swing

MODEL EARNINGS SETUP GAUGE

TRU Quantitative Pre-Earnings Setup: 64/100

Trailing EPS: $2.39 • YoY Revenue Growth: 9.4%

Model Bullish Setup (64/100)Model Risk Weight (36/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$4.58B	$455.4M	$661.6M	52%
FY 2024	2024-12-31	$4.18B	$284.4M	$516.7M	52%
FY 2023	2023-12-31	$3.83B	-$206.2M	$473.0M	52%

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Whale Flow & Momentum Playbook: Evaluating TRU & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on TRU
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✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

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TRU // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +9.33%▼ DESCENDING CHANNEL

2026-11-01O $74.31H $75.49L $74.31C $75.49VOL 4.09M

RES: $83.34SUP: $55.65SMA50: $74.30SMA200: $74.05

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

TRU Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 TRU Butterfly Map → + Track TRU →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

24.4%/yr Implied 5Y Growth

vs. +9.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on TRU today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for TRU. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for TRU today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (TRU)

Financials Rank #135 of 287 ⚔️ ARCC vs TRU Full Matrix →

1. Head-to-Head Financials Peer Comparison (TRU vs. ARCC, BMNR, CHYM, IREN)

Industry: Finance: Consumer Services (33 Tracked Issuers)

Across 287 tracked Financials securities in the Roarable RQD universe, TransUnion (TRU) ranks #135 by composite RQD confidence (64/100, grade C) and #141 by equity capitalization ($14.40B). Within this direct 5-issuer industry benchmark cohort, ARCC leads on earnings valuation at 10.6x trailing P/E, while TRU leads on capital efficiency and profitability with 8.0% ROIC and — gross margin. TRU currently leads its immediate peer cohort in composite quantitative strength at 64/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
TRU ACTIVE TransUnion	C	64/100	31.6x	—	8.0%	+1.59%	$14.40B	Benchmark Subject
ARCC Ares Capital Corporation	D	51/100	10.6x	—	6.0%	+3.18%	$13.81B	/arcc-vs-tru →
BMNR BitMine Immersion Technologies Inc.	D	45/100	37.5x	—	3.4%	-1.77%	$13.07B	/bmnr-vs-tru →
CHYM Chime Financial Inc.	D-	42/100	—	—	-35.0%	+0.24%	$10.93B	/chym-vs-tru →
IREN IREN Limited	E	34/100	122.1x	—	1.2%	-8.98%	$10.62B	/iren-vs-tru →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001552033

In its most recent audited fiscal period (FY2025, filed 2025-12-31), TransUnion (TRU) reported GAAP revenue of $4.58B (+9.4% vs. FY2024 revenue of $4.18B , and +19.4% cumulative change since FY2023) , GAAP net income of $455.4M, operating cash flow of $987.6M, and free cash flow of $661.6M (+28.0% YoY). On the balance sheet, TRU closed FY2025 with $11.11B in total assets against $4.91B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 8/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$4.58B	$455.4M	$987.6M	$661.6M	$11.11B	$4.91B
FY2024 (FY)	2024-12-31	$4.18B	$284.4M	$832.5M	$516.7M	$10.98B	$5.08B
FY2023 (FY)	2023-12-31	$3.83B	-$206.2M	$645.4M	$473.0M	$7.92B	$1.85B

3. TRU Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is TRU stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, TransUnion (NYSE: TRU) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $75.49 (+1.59% 1D, market cap $14.40B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 14/20. Across 287 tracked Financials issuers, TRU ranks #135 in composite RQD confidence.

How does TRU compare to ARCC and BMNR in the Financials sector?

Within the Financials sector (Finance: Consumer Services), TRU carries a Roarable C (64/100 RQD), trailing P/E of 31.6x, gross margin of —, and ROIC of 8.0%. By comparison, ARCC (Ares Capital Corporation) holds a D grade (51/100 RQD, P/E 10.6x, ROIC 6.0%, cap $13.81B) and BMNR (BitMine Immersion Technologies Inc.) posts a D grade (45/100 RQD, P/E 37.5x, ROIC 3.4%, cap $13.07B). Among the 5-stock peer group, ARCC leads on earnings multiple (10.6x) while TRU leads on capital efficiency (8.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for TRU?

Per TRU's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001552033), TransUnion generated $4.58B in revenue (+9.4% YoY), $455.4M in net income, and $661.6M in free cash flow against $11.11B in total assets and $4.91B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is TRU trading relative to its 50-day, 200-day, and 52-week technical levels?

TRU last traded at $75.49 (+1.59% on volume of 4,091,828 shares), positioning the stock +1.60% above its 50-day simple moving average ($74.30) and +1.94% above its 200-day simple moving average ($74.05). Across its 52-week range of $60.96 to $89.12, TRU sits at the 51.6% percentile with a 14-day RSI of 53.2 (NEUTRAL RANGE) and an implied next-earnings move of ±9.5% ($68.32 to $82.66).

TRU Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

When is TRU's next earnings date?

Based on SEC filing cadence, TransUnion (TRU)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is TRU stock expected to move on earnings?

Volatility modeling currently projects a ±9.5% event move for TRU, spanning a range between $68.32 and $82.66.

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