TRU
Market read
The latest filing evidence is available. 0 of 17 group members are active now; 0 filing-linked outsiders are moving with the group, and 0 of 3 directly disclosed connections are confirming.
Invalidation: The isolated read changes if TRU's group or a disclosed connection begins moving with it.
Research brief
The latest filing evidence is available. 0 of 17 group members are active now; 0 filing-linked outsiders are moving with the group, and 0 of 3 directly disclosed connections are confirming.
Company research
Use the company’s filings to identify the few operating, demand, cost, capital and regulatory variables that determine its earnings power.
No qualifying adverse evidence was identified; that is not proof there is no downside.
No credible peer-relative valuation comparison is available yet.
Reported annual revenue and per-share history. This is accounting history, not a forecast.
What management says matters
“Financing Activities The increase in cash provided by financing activities was due primarily to borrowings from the Senior Secured Revolving Credit Facility for the purchase of Trans Union de Mexico, partially offset by dividends paid to shareholders of Trans…”10-Q · Apr 28, 2026 ↗
“However, mortgage rates are not directly tied to the federal funds rate but instead are tied to the 10-year Treasury rate, which showed signs of improvement in the first two months of the quarter, but subsequently rose at the end of the quarter due to general…”10-Q · Apr 28, 2026 ↗
“Investing Activities For 2025, the increase in cash used in investing activities was due primarily to our acquisition of Monevo, an increase in capital expenditures and current year investments in a convertible note receivable, partially offset by proceeds fr…”10-K · Feb 27, 2026 ↗
“Consumer Interactive: For the three months ended March 31, 2026, revenue increased $1.7 million, or 1.3%, compared with the same period in 2025, due primarily to increased breach and indirect channel revenue, partially offset by slowing demand for paid credit…”10-Q · Apr 28, 2026 ↗
Valuation discipline
Jodie found no industry-matched filing peers suitable for a valuation comparison. It will not substitute broader financial-sector names.
Scenarios are withheld for Financial Services until sector-specific earnings and capital metrics are available; generic revenue/P/S scaffolds would be misleading.
Price action
Jodie does not have enough daily observations to draw a useful short-term chart for this asset. The latest quoted price was checked 10 Sept, 15:55 GMT-4; this is a coverage limitation, not a flat-price conclusion.
Developments
Jodie has not returned a relevant primary source or news item for TRU. This is an evidence-coverage gap, not a conclusion that nothing material happened.
Business and financial condition
Jodie has not returned structured SEC XBRL fundamentals for this asset. This is a coverage limitation, not an assessment of the business or its financial health.
Latest filing assessment · baseline
10-Q filed 2026-04-28 against the comparable filing from 2025-04-24.
“The increase was due primarily to the replacement of our hedges in June 2025 and borrowing on our Senior Secured Revolving Credit Facility to fund the acquisition of a majority ownership interest in Trans Union de Mexico, partially offset by a decrease in the average periodic variable interest rate on the unhedged portion of our debt .”
“patented intellectual property; • our ability to defend our intellectual property from infringement claims by third parties; • the ability of our outside service providers and key vendors to fulfill their obligations to us; • further consolidation in our end-customer markets; • the increased availability of free or inexpensive consumer information; • losses against which we do not insure; • our ability to make timely payments of principal and interest on our indebtedness; • our ability to satisfy covenants in the agreements governing our indebtedness; • our ability to maintain our liquidity; • stock price volatility; • share repurchase plans; • dividend rate; • our reliance on key managemen...”
“Because of these limitations, these non-GAAP financial measures should not be considered in isolation or as substitutes for performance measures calculated in accordance with GAAP, including operating income, operating margin, effective tax rate, net income attributable to the Company, diluted earnings per share or cash provided by operating activities.”
Retrospective baseline calibration. It was generated after the filing date and is not part of Jodie's live track record.
Business ecosystem
Customers, suppliers, partners and competitors named in company filings—not inferred from headlines.
Depends on
“With certain exceptions, the Senior Secured Credit Facility obligations are secured by a first-priority security interest in substantially all of the assets of Trans Union LLC, including its investments in subsidiaries.”
“31 Table of Contents Trans Union de Mexico Acquisition On March 2, 2026, we acquired approximately a 68% equity interest in Trans Union de Mexico for total cash consideration of $659.7 million.”
Depended on by
“Identity and Reputation: Our principal competitors in this segment include credit bureaus such as Equifax, Experian and TransUnion, as well as certain credit monitoring and identity theft protection solutions from others such as Allstate, Aura, Generali (Iris…”
Filing peers
Companies whose filings use similar operating language.
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What is moving around it
TRU is currently a Early Follower in the organic co-movement group No Coherent Theme. This group is discovered from market behaviour rather than assigned from an industry taxonomy. 3 filing-linked names are in the relationship map; none is currently confirmed as moving with the group.
This group is retained as the last observed read for TRU; it is not active in the latest market snapshot.
Context history
No durable theme membership has been observed for this name yet.