Stock fact sheet · data as of
TransUnion (TRU): fair value, margin of safety and Wheel Score
Financial Services · Financial - Data & Stock Exchanges · United States · High Growth
Is TRU undervalued?
TRU closed at 66.94 on 16 Oct 2026, 22% below the GLS average fair value of 86.04 from 9 models (4 of them above the price). That is a moderate margin of safety: the stock passes the "below fair value" rule of the Sunday Scan, and the Wheel Score gives it 22 of the 25 Value points.
There is a wide gap between DDM (7.21) and GLS Growth (195.57). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files TRU under High Growth: revenue and earnings growing fast enough that the growth-based models carry the valuation.
Nine valuation models for TRU
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 49.63 | -26% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 49.98 | -25% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 130.92 | +96% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 48.21 | -28% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 195.57 | +192% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 97.96 | +46% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 145.90 | +118% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 7.21 | -89% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 48.99 | -27% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -23.75 | -135% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 89.90 | +34% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
TransUnion scores 7 of 9 on the Piotroski F-score, the nine yes/no tests of profitability, leverage and efficiency on the latest annual accounts - a strong reading that passes the Sunday Scan's "6 or more" rule with room to spare. On durability TRU scores 6.5/10 on the GLS Moat - a middle reading; the Scorecard on the Quote page's Financials tab shows which ten-year lines are steady and which are not.
Returns on capital are thin or negative - ROIC 4.7%, ROE 10.3%, ROA 4.1% - with debt at 1.16 times equity and a free-cash-flow yield of 6.1%.
The dividend yield is 0.73% with a payout ratio of 18% - a small yield that leaves most of the earnings in the business. Revenue comes mainly from U.S. Markets 76%, Rest of world 24% (quarter Q2 FY2026).
Institutional ownership scores 10/10, insider activity 1/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 7 / 9 | ROIC | 4.7% |
|---|---|---|---|
| GLS Moat | 6.5 / 10 | ROE | 10.3% |
| Debt / equity | 1.16 | ROA | 4.1% |
| Free-cash-flow yield | 6.1% | Payout ratio | 18% |
| Institutions | 10 / 10 | Insiders · Congress | 1 · 5 / 10 |
Wheel Score 86: Prime
With a Wheel Score of 86, TransUnion sits in the Prime band - price, quality and premium all line up for the wheel strategy. The parts: Value 22/25, Health 16/20, Moat 10/15, Premium 20/20, Stability 19/20. A high score is a ranking, not a signal: it says nothing about timing, the earnings date or your position size.
Implied volatility is 54% on the near-the-money contracts 20-60 days out - inside the 35-60% range the Wheel Score pays full marks for: enough premium to be worth selling, not so much that the risk is unpaid. Chain open interest is 13,760 contracts across all expiries - enough for the wheel at normal size.
Volume runs at 3.5M shares a day on a market cap of $12.8B, with a beta of 1.57 - a high beta, so the stock tends to move more than the market and a strike can be gapped through; the Stability part of the Wheel Score gives that 19 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 22 / 25 | 22% margin of safety | |
| Health | 16 / 20 | Piotroski 7/9 | |
| Moat | 10 / 15 | moat 6.5/10 | |
| Premium | 20 / 20 | implied volatility 54% | |
| Stability | 19 / 20 | 3.5M shares/day, $12.8B cap, beta 1.57 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
TransUnion reports earnings on 22 Oct 2026 (before the open) - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Financial - Data & Stock Exchanges
The 12 companies below are the closest to TransUnion by market cap within the Financial - Data & Stock Exchanges industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
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|---|---|---|---|---|---|
| FDS FactSet Research Systems Inc. | 301.83 | 280.79 | -7% | 75Good | $10.7B |
| MORN Morningstar, Inc. | 209.24 | 276.68 | +24% | 82Prime | $7.8B |
| CBOE Cboe Global Markets, Inc. | 308.09 | 211.67 | -46% | 62Fair | $32.2B |
| MSCI MSCI Inc. | 575.09 | 388.19 | -48% | 66Good | $41.8B |
| COIN Coinbase Global, Inc. | 183.81 | 101.69 | -81% | 43Weak | $48.5B |
| NDAQ Nasdaq, Inc. | 93.50 | 56.98 | -64% | 65Good | $52.3B |
| MCO Moody's Corporation | 483.69 | 357.14 | -35% | 64Fair | $83.8B |
| ICE Intercontinental Exchange, Inc. | 158.41 | 146.07 | -8% | 73Good | $88.9B |
| CME CME Group Inc. | 289.46 | 216.97 | -33% | 56Fair | $104.1B |
| SPGI S&P Global Inc. | 408.57 | 302.68 | -35% | 61Fair | $120.4B |
| OTCM OTC Markets Group Inc. | 53.00 | 50.57 | -5% | 39No options | $635M |
| VALU Value Line, Inc. | 43.29 | 25.36 | -71% | 27No options | $406M |
⚖ Compare TRU with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about TRU
Is TRU undervalued right now?
By the GLS models, moderately: at 66.94 the stock trades 22% below the average fair value of 86.04 (data as of 16 Oct 2026).
What is the Wheel Score of TRU and what does it mean?
TRU scores 86 out of 100 (Prime). The Wheel Score blends the margin of safety (25 points), Piotroski health (20), the GLS moat (15), the option premium on offer (20) and trading stability (20) into one number that ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned. 80 and above is Prime, 65-79 Good, 50-64 Fair, under 50 Weak.
What is the GLS fair value for TRU?
86.04 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does TransUnion report earnings next?
The next earnings report is due on 22 Oct 2026 (before the open), 6 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does TRU have listed options, and how liquid are they?
Yes. The nightly snapshot found 384 listed contracts with 13,760 open interest across all expiries and implied volatility of 54% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.