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Forensic Analysis · Professional & Commercial Services · as of Nov 8, 2026

TransUnion (TRU)

A forensic read on TransUnion built from its complete SEC filings — financial-health screens, earnings quality, red flags and a price-aware rating. Reproducible math, not opinion.

B · Sound & dependable
Forensic grade
Grey Zone
Financial health
2.5
Distress distance
Clean
Earnings quality
2
Forensic signals
10.5%
ROE
9.4%
Revenue growth

This free snapshot doesn't read filing or proxy text, so the auditor-quality and governance checks that can lower a grade were not evaluated (auditor quality, say on pay, board independence, going concern). Those checks only ever lower a grade, so the full analysis can land below the grade above but never above it — treat it as the most favourable reading, not the settled one.

TransUnion earns a B (Sound & dependable) forensic quality grade, and its balance-sheet distress test reads 2.5, placing it in the Grey zone. 2 forensic signals were flagged in its latest SEC filings, led by return on invested capital.

What the filings flag

6.7%
FY2025
Return on invested capital. Return on invested capital is 6.7% in the latest fiscal year and rising across FY2023–FY2025 from 1.0%. After-tax operating profit was $102M in FY2023 and $627M in FY2025, with operating income at 3.4% of revenue in FY2023, 15.9% in FY2024 and 18.7% in FY2025. The capital base behind it went from $9.7B in FY2023 to $9.3B in FY2025 (-4%), while the revenue it carried went from $3.8B to $4.6B. FY2023's operating profit carried a $414M goodwill write-off and a $75M restructuring charge that alone took about 4.0 points off that year's return, so about 4.0 of the 5.7-point rise across FY2023–FY2025 is that charge leaving the base year rather than the capital earning more. A non-cash write-down lowers the reported return in the year it lands.
$414M
FY2023
Goodwill impairments. Took $414M of goodwill writedowns across 1 year (FY2023 ($414M)). Writedowns mean past acquisitions underperformed what was paid for them.

Key fundamentals

Latest Revenue$4.58B
Revenue Growth YoY+9.4%
Revenue CAGR (2yr)+9.3%
Net Margin10.0%
Free Cash Flow$661.6M
Return on Equity10.5%
Debt / Equity1.15x

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Data from SEC EDGAR public filings · metrics as of Nov 8, 2026. Forensic signals flag probability, not certainty.

See a wrong number? Report an error with the filing it should match.