Stock fact sheet · data as of
TransUnion (TRU): fair value, margin of safety and Wheel Score
Ticker symbol TRU · Financial Services · Financial - Data & Stock Exchanges · United States · Growth
Is TRU undervalued?
TRU closed at 82.13 on 5 Nov 2026, 12% below the GLS average fair value of 92.99 from 9 models (4 of them above the price). That is a moderate margin of safety: the stock passes the "below fair value" Wheel Trade Filter, with room for a bigger discount on the Value part.
There is a wide gap between DDM (7.21) and GLS Growth (207.68). 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.
Ranked against every other company we cover, TRU is clearly faster-growing than it is cheap, so the nightly engine files it under Growth (value score 39, growth score 62, out of 100).
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 | 49.84 | -39% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 52.07 | -37% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 137.64 | +68% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 50.20 | -39% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 207.68 | +153% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 110.67 | +35% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 168.82 | +106% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 7.21 | -91% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 52.76 | -36% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -23.87 | -129% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 90.08 | +10% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
TransUnion scores 8 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 "Piotroski 6 or more" Wheel Trade Filter with room to spare. On durability TRU scores 7.4/10 on the GLS Moat - a middle reading; the Moat Score tab on the Quote page's Financials view shows which of the four parts hold it back.
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 5.8%.
The dividend yield is 0.60% with a payout ratio of 17% - a small yield that leaves most of the earnings in the business. Revenue comes mainly from U.S. Markets 74%, Rest of world 26% (quarter Q3 FY2026).
Institutional ownership scores 10/10, insider activity 1/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 8 / 9 | ROIC | 4.7% |
|---|---|---|---|
| GLS Moat | 7.4 / 10 | ROE | 10.3% |
| Debt / equity | 1.16 | ROA | 4.1% |
| Free-cash-flow yield | 5.8% | Payout ratio | 17% |
| Institutions | 10 / 10 | Insiders · Congress | 1 · 5 / 10 |
Wheel Score 78: Good
With a Wheel Score of 78 - the Good band - TransUnion passes all 9 Wheel Trade Filters. How it ranks: value fair, premium strong, moat good, health strong, red flags strong, option trading fair, stability fair. Value (fair) is the part keeping it out of the Prime band.
Implied volatility is 46% on the near-the-money contracts 20-60 days out - inside the 35-60% sweet spot the Wheel Score rewards most: enough premium to be worth selling, not so much that the risk is unpaid. Chain open interest is 12,322 contracts across all expiries - enough for the wheel at normal size.
Volume runs at 2.8M shares a day on a market cap of $15.7B, with a beta of 1.56 - 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 rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Passes | Listed options with 1,000+ contracts of open interest and 100+ traded a day |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Passes | Implied volatility 25-80% (enough premium, not a lottery ticket) |
| 8 | Big enough | Passes | Market cap $1 billion or more |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Fair | 12% below fair value | |
| Premium | Strong | implied volatility 46% | |
| Moat | Good | moat 7.4/10 | |
| Health | Strong | Piotroski 8/9 | |
| Red Flags | Strong | Red Flags score 95/100 | |
| Option trading | Fair | 815 contracts a day, 12,322 open interest | |
| Stability | Fair | beta 1.56, $15.7B company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for TRU in the nightly calendar. The shares go ex-dividend on 10 Nov 2026 (0.1350 per share), so a covered call sold before then carries a small early-assignment risk around that date.
No analyst upgrades or downgrades were recorded in the last 30 days.
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.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| FDS FactSet Research Systems Inc. | 342.19 | 283.81 | -21% | 44Weak | $12.1B |
| MORN Morningstar, Inc. | 244.25 | 295.15 | +17% | 50Fair | $9.1B |
| CBOE Cboe Global Markets, Inc. | 345.21 | 234.08 | -47% | 45Weak | $36.0B |
| COIN Coinbase Global, Inc. | 151.50 | 148.21 | -2% | 33Weak | $40.1B |
| MSCI MSCI Inc. | 674.30 | 388.95 | -73% | 38Weak | $49.0B |
| NDAQ Nasdaq, Inc. | 109.70 | 62.37 | -76% | 44Weak | $61.3B |
| MCO Moody's Corporation | 528.34 | 363.95 | -45% | 41Weak | $91.1B |
| ICE Intercontinental Exchange, Inc. | 174.92 | 156.07 | -12% | 41Weak | $97.8B |
| CME CME Group Inc. | 308.27 | 224.77 | -37% | 40Weak | $110.3B |
| SPGI S&P Global Inc. | 481.69 | 308.18 | -56% | 45Weak | $139.6B |
| OTCM OTC Markets Group Inc. | 52.45 | 47.22 | -11% | 25No options | $629M |
| VALU Value Line, Inc. | 44.40 | 25.42 | -75% | 22No options | $417M |
⚖ 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 82.13 the stock trades 12% below the average fair value of 92.99 (data as of 5 Nov 2026).
What is the Wheel Score of TRU and what does it mean?
TRU scores 78 out of 100 (Good). The Wheel Score ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned - in two parts: the 9 pass/fail Wheel Trade Filters (busy options, a real business, below fair value, Piotroski 6 or more, debt it can repay, a Red Flags score of 60 or more, implied volatility of 25-80%, a $1 billion company, $5 a share) and a ranking of how strongly a stock passes on value, premium, moat, health, red flags, option trading and stability. A stock that fails any filter stays under 70; 70-84 is Good, 85 and above is Prime. The Sunday Scan is the top 10 that pass, sorted by Wheel Score.
What is the GLS fair value for TRU?
92.99 per share as of 5 Nov 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?
No upcoming earnings date is recorded for TRU in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does TRU have listed options, and how liquid are they?
Yes. The nightly snapshot found 124 listed contracts with 12,322 open interest across all expiries and implied volatility of 46% 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.