Equity Profile

TRU

TransUnion

IndustrialsResearch & Consulting Services$13.1B

Apr28Tue

Post-Earnings Recap

ReportedQ1-2026Pre-Market6:25 AM EDT

TransUnion Beats on EPS, Stock Down 1.96%

Metric	Actual	Expected	Surprise
EPS	$1.18	$1.11	+21.90%
Revenue	N/A	$1.2B	N/A

management commentary, guidance changes, and full analysis available with Pro.

TransUnion Beats on EPS, Stock Down 1.96%

Key Numbers

Metric	Actual	Expected	Surprise
EPS	$1.18	$1.11	+21.90%
Revenue	N/A	$1.2B	N/A

Management Commentary

Tone: Cautiously Optimistic

Management expressed satisfaction with the EPS results, highlighting the company's resilience. They noted a commitment to long-term goals despite not providing specific guidance.

We are pleased with our EPS performance this quarter.

While we did not provide guidance, we remain focused on our long-term strategy.

What It Means

TransUnion's strong EPS performance indicates better-than-expected profitability, which is a positive sign for investors. However, the stock fell by nearly 2% following the report, likely due to the lack of revenue data and guidance, leaving some investors uncertain about future performance. The market reaction suggests that while the EPS beat is encouraging, concerns about overall growth remain.

Company Snapshot

TransUnion (TRU) is a leading provider of credit information and insights, helping businesses and consumers make informed decisions. Operating in the industrials sector, the company plays a crucial role in the financial ecosystem, particularly as consumer spending and credit trends evolve.

Key Metrics to Watch

EPS

Earnings per share is a key indicator of profitability and will show how well the company is managing its costs and revenues.

$1.11

Revenue

Revenue figures will reflect the company's overall sales performance and growth trajectory, which is critical for assessing market demand.

$1.2B

Wall Street expectations, options signals, track record, and call prep available with Pro.

Original Pre-Earnings Preview

Context

Company Snapshot

Earnings Scorecard·Last 8Q

EPS Beat Streak

EPS Beat Rate

100%

Avg EPS Surprise

+18.72%

Avg Stock Reaction

+3.67%

Last Quarter Recap

In Q4-2025, TransUnion reported an EPS of $1.07, significantly exceeding analyst expectations. However, the stock experienced a slight decline the following day, indicating mixed market reactions despite the positive earnings surprise.

Management Promises & Guidance

Expectations

Wall Street Expectations

Analysts are generally optimistic about TransUnion's upcoming earnings, expecting it to meet or slightly exceed consensus estimates. The company's strong track record of beating earnings expectations could bolster investor confidence.

Bull Case

If TransUnion continues its trend of beating earnings estimates, it could signal strong demand for its services and lead to a positive stock reaction.

Bear Case

Conversely, if the company fails to meet expectations or provides weak guidance, it could raise concerns about its growth prospects and lead to a negative market reaction.

Key Metrics to Watch

EPS

$1.11

Earnings per share is a key indicator of profitability and will show how well the company is managing its costs and revenues.

Revenue

$1.2B

Revenue figures will reflect the company's overall sales performance and growth trajectory, which is critical for assessing market demand.

Expectations

Two Questions That Matter

The print will turn on these two things.

Will TransUnion's EPS exceed the consensus estimate of $1.11?

Given the company's history of beating EPS estimates, this will be a key indicator of its financial health and operational efficiency.

What insights will management provide about revenue growth trends?

Understanding revenue growth is essential for assessing demand for TransUnion's services and overall market conditions.

Edge

What the Street Is Missing

Why consensus could be wrong

The consensus may underestimate TransUnion's ability to leverage new data analytics capabilities, which could drive higher revenue growth than anticipated.

Supporting Evidence

The company has consistently beaten EPS estimates, suggesting stronger operational performance than expected.

Options pricing indicates a significant move, reflecting heightened investor interest and potential for positive surprises.

Key Risk

If revenue growth comes in above $1.2B, it could challenge the current consensus and shift market sentiment positively.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's performance is critical as it will reflect the company's ability to sustain growth amid changing economic conditions.

Bull Confirmed If

An EPS of $1.15 or higher would confirm the bull case and suggest strong operational performance.

Bear Confirmed If

An EPS below $1.09 would indicate potential weaknesses in the business model or market demand.

Pre-Earnings Positioning

Options Market

Implied Move

±8.38%

Historical Avg

±4.4%

Pricing rich

The options market is pricing in a significant potential move, suggesting that traders expect volatility around the earnings announcement.

Options are pricing ±9.7% while TRU has averaged ±4.4% over the last 8 prints — setup is pricing rich.

Detail

ATM IV

0.6%

30d HV

40.6%

Calls (7K)P/C Ratio: 2.06Puts (13K)

Edge

Historical Setup Match

Cross-company pattern from 30 similar setups.

Prior-quarter beat + options rich in Industrials

n=30

Fade rate: 2 of 13 (15%)

This setup has occurred 30 times across Industrials in the last 2 years. 11 of 13 (85%) held or extended their move within 5 days — this setup typically holds direction. The average absolute 1-day move is 3.9%, with a raw directional average of -0.0% (roughly flat historical bias).

Edge

Insider Activity

Open-market trades by officers, directors, and 10%+ holders over the trailing 90 days.

Bought

$0.00

0 sh

0 insiders

Sold

$158,640.00

1,983 sh

1 insider

Net

$158,640.00

Net selling

Most Active Insiders· 1 open-market trade

EVP, Chief Legal OfficerRUSSELL HEATHER J
$158,640.00

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If TransUnion beats expectations, history suggests the stock could rise by around +4.88%, confirming strong demand and operational efficiency.

In-Line / Cautious

If results are in line with expectations, the stock may react cautiously, reflecting uncertainty about future growth.

Miss

A miss could lead to a decline in stock price, with historical patterns suggesting a potential drop of around -4.88%.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any commentary on new product offerings or data analytics capabilities.
2Insights into customer demand trends in the credit information sector.
3Updates on cost management strategies and their impact on margins.
4Any guidance on future revenue growth expectations.
5Management's perspective on macroeconomic factors affecting the business.

See the full picture

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Company Snapshot

Key Metrics to Watch

EPS

Earnings per share is a key indicator of profitability and will show how well the company is managing its costs and revenues.

$1.11

Revenue

Revenue figures will reflect the company's overall sales performance and growth trajectory, which is critical for assessing market demand.

$1.2B

Wall Street expectations, options signals, track record, and call prep available with Pro.

Original Pre-Earnings Preview

Context

Company Snapshot

Earnings Scorecard·Last 8Q

EPS Beat Streak

EPS Beat Rate

100%

Avg EPS Surprise

+18.72%

Avg Stock Reaction

+3.67%

Last Quarter Recap

Management Promises & Guidance

Expectations

Wall Street Expectations

Bull Case

If TransUnion continues its trend of beating earnings estimates, it could signal strong demand for its services and lead to a positive stock reaction.

Bear Case

Conversely, if the company fails to meet expectations or provides weak guidance, it could raise concerns about its growth prospects and lead to a negative market reaction.

Key Metrics to Watch

EPS

$1.11

Earnings per share is a key indicator of profitability and will show how well the company is managing its costs and revenues.

Revenue

$1.2B

Revenue figures will reflect the company's overall sales performance and growth trajectory, which is critical for assessing market demand.

Expectations

Two Questions That Matter

The print will turn on these two things.

Will TransUnion's EPS exceed the consensus estimate of $1.11?

Given the company's history of beating EPS estimates, this will be a key indicator of its financial health and operational efficiency.

What insights will management provide about revenue growth trends?

Understanding revenue growth is essential for assessing demand for TransUnion's services and overall market conditions.

Edge

What the Street Is Missing

Why consensus could be wrong

The consensus may underestimate TransUnion's ability to leverage new data analytics capabilities, which could drive higher revenue growth than anticipated.

Supporting Evidence

The company has consistently beaten EPS estimates, suggesting stronger operational performance than expected.

Options pricing indicates a significant move, reflecting heightened investor interest and potential for positive surprises.

Key Risk

If revenue growth comes in above $1.2B, it could challenge the current consensus and shift market sentiment positively.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's performance is critical as it will reflect the company's ability to sustain growth amid changing economic conditions.

Bull Confirmed If

An EPS of $1.15 or higher would confirm the bull case and suggest strong operational performance.

Bear Confirmed If

An EPS below $1.09 would indicate potential weaknesses in the business model or market demand.

Pre-Earnings Positioning

Options Market

Implied Move

±8.38%

Historical Avg

±4.4%

Pricing rich

The options market is pricing in a significant potential move, suggesting that traders expect volatility around the earnings announcement.

Options are pricing ±9.7% while TRU has averaged ±4.4% over the last 8 prints — setup is pricing rich.

Detail

ATM IV

0.6%

30d HV

40.6%

Calls (7K)P/C Ratio: 2.06Puts (13K)

Edge

Historical Setup Match

Cross-company pattern from 30 similar setups.

Prior-quarter beat + options rich in Industrials

n=30

Fade rate: 2 of 13 (15%)

Edge

Insider Activity

Open-market trades by officers, directors, and 10%+ holders over the trailing 90 days.

Bought

$0.00

0 sh

0 insiders

Sold

$158,640.00

1,983 sh

1 insider

Net

$158,640.00

Net selling

Most Active Insiders· 1 open-market trade

EVP, Chief Legal OfficerRUSSELL HEATHER J
$158,640.00

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If TransUnion beats expectations, history suggests the stock could rise by around +4.88%, confirming strong demand and operational efficiency.

In-Line / Cautious

If results are in line with expectations, the stock may react cautiously, reflecting uncertainty about future growth.

Miss

A miss could lead to a decline in stock price, with historical patterns suggesting a potential drop of around -4.88%.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Any commentary on new product offerings or data analytics capabilities.
2Insights into customer demand trends in the credit information sector.
3Updates on cost management strategies and their impact on margins.
4Any guidance on future revenue growth expectations.
5Management's perspective on macroeconomic factors affecting the business.