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TRU · Analysis updated Nov 10, 2026, 6:00 PM ET
Why is TransUnion (TRU) stock moving?
TRU closed at $82.01 on Nov 10, up from a $74.19 low on Oct 28 and close to the $83.32 close on Oct 22. The Oct 27 Q3 results and slide presentation were followed by a sharp selloff on heavy volume of 4.9M shares on Oct 28, but the stock has since recovered to the $81–83 range on falling volume. Volume fell to 1.59M on Nov 10, the lowest in the 30-day window, after 2.4–3.7M shares in the prior sessions, so the rebound is not drawing strong participation. The analyst picture is mixed: Needham ($95), Wells Fargo ($96), Deutsche Bank ($93) and Stifel ($90) keep positive ratings, while Goldman Sachs is Neutral with a $78 target below the current price. Rothschild & Co Redburn cut TRU to Neutral with a $91 target on Nov 9. Targets cluster around $90–96, which implies roughly 10–17% upside from the last close, but the downgrade and mixed targets limit conviction. The CFO transition is planned: Todd Cello leaves on Dec 31, 2026, and David Gilbert becomes interim CFO on Jan 1, 2027. The Q3 Credit Industry Insights report, which says lenders are expanding originations to below-prime borrowers, supports demand for TRU's credit data. The CIRO settlement mention is small in scale. The news flow does not include the Q3 revenue or earnings figures, so the view depends on price action and analyst views rather than reported numbers.
News behind the analysis
- Rothschild & Co Redburn Downgrades TransUnion to NeutralRothschild & Co Redburn cut TransUnion from Buy to Neutral with a $91 price target.
- Rothschild & Co Downgrades TransUnion to Neutral, Raises Price Target to $91Benzinga reports the same Redburn Neutral rating with a $91 target, describing the target as raised.
- TransUnion Named as Potential Provider in Proposed CIRO Cyber Incident Class Action SettlementTransUnion is named as a potential provider of credit monitoring services in a proposed CAD $8.3 million settlement tied to a CIRO cyber incident.
- TransUnion Appoints David Gilbert as Interim Chief Financial OfficerGilbert, current CFO of the International segment, becomes interim CFO effective Jan 1, 2027, succeeding Todd Cello as part of a planned transition.
- TransUnion Releases Q3 2026 Credit Industry Insights ReportThe report says lenders have increased credit card and unsecured personal loan originations to below-prime borrowers while keeping portfolio quality through risk mitigation.
- Needham Raises TransUnion Price Target to $95Needham raised its TransUnion price target from $85 to $95.
- Deutsche Bank Adjusts TransUnion Price Target to $93Deutsche Bank raised its TransUnion price target from $90 to $93 and kept a Buy rating.
- Wells Fargo Maintains Overweight on TransUnion, Lowers Price Target to $96Wells Fargo kept an Overweight rating on TransUnion and lowered its price target to $96.
- Stifel Maintains Buy on TransUnion, Lowers Price Target to $90Stifel kept a Buy rating on TransUnion and lowered its price target to $90.
About TransUnion
TransUnion is one of the three major US consumer credit bureaus, a Chicago-based data company that operates in more than 30 countries and has roughly 13,000 employees. Beyond its core credit reports, it has expanded into fraud prevention, marketing data and analytics, and in 2026 it took majority control of Trans Union de Mexico.
How it makes money
TransUnion earns fees by selling credit reports, scores and data analytics to lenders, insurers and other businesses. US Markets brings in the large majority of revenue, about three-quarters. Within it, Financial Services (banks, card issuers, mortgage and auto lenders) is the largest piece, at about 40% of total revenue in early 2026. Next is Emerging Verticals, such as insurance, tenant screening, government and media, then Consumer Interactive, its direct-to-consumer credit monitoring. The rest comes from International operations in markets like the UK, India, Canada and Latin America. Quarterly revenue was about $1.3 billion in 2026, and the company pays a small quarterly dividend and buys back shares.
What usually moves TRU
- US lending and mortgage volumes, which depend on interest rates
- Consumer credit health and the economic cycle
- Growth in fraud, marketing and insurance data products
- Credit-score pricing changes, such as FICO's mortgage licensing program
- Data security and regulatory scrutiny (CFPB)