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Transunion key statistics and ratios

In fiscal 2025, Transunion had return on equity of 10.5%, an operating margin of 18.7%, debt equal to 115.0% of equity and a current ratio of 1.75. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2016Dec 20162017Dec 20172018Dec 20182019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMSept 2026
Gross margin66.0%66.6%65.9%64.5%———————
Operating margin17.6%24.0%22.1%22.0%19.8%22.0%16.9%3.4%15.9%18.7%19.3%
Net margin7.1%22.8%11.9%14.1%13.6%47.0%7.2%−5.4%6.8%10.0%15.8%
Free-cash-flow margin15.6%17.1%16.2%23.9%23.0%19.7%−0.0%8.7%12.3%14.5%18.1%
Return on equity8.8%28.5%15.3%16.8%14.3%43.1%6.6%−5.0%6.9%10.5%17.2%
Return on assets2.5%8.9%4.5%4.9%4.8%13.9%2.2%−1.8%2.6%4.1%6.9%
Asset turnover0.360.390.380.350.350.300.310.340.380.410.43
Current ratio1.471.281.531.552.191.941.601.471.701.752.03
Debt to equity174.3%142.6%214.2%162.9%136.0%162.9%136.0%133.2%122.1%115.0%112.5%
Interest cover (operating income ÷ interest)3.5x5.3x3.7x3.1x4.0x5.8x2.7x0.4x2.5x3.6x3.8x
Effective tax rate36.0%−21.2%15.9%18.8%21.5%26.1%31.0%—24.6%26.9%17.2%
SG&A as % of revenue32.9%30.3%30.5%31.6%32.8%30.7%31.8%30.6%29.6%27.6%27.1%
Capital spending as % of revenue7.3%7.0%7.8%7.6%8.1%7.6%8.0%8.1%7.5%7.1%5.9%
Free cash flow ÷ net income220.5%74.9%135.8%169.6%169.6%42.0%−0.4%—181.7%145.3%114.1%
Dividends ÷ net income0.0%0.0%15.0%16.4%16.8%5.0%29.2%—29.1%19.9%12.1%
Dividends and buybacks ÷ free cash flow0.3%40.4%11.1%9.7%9.9%11.9%—24.4%16.0%59.3%53.9%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Financial health

3 of 7 checks passed · September 30, 2026
What it owns · $12.1bn
Short-term assets $2.2bnLonger-term assets $9.9bn
What it owes, and who funded it · $11.9bn
Short-term liabilities $1.1bnLonger-term liabilities $6.0bnShareholders' equity $4.8bn
  • Short-term assets cover short-term liabilities $2.2bn of assets due within a year against $1.1bn of liabilities due within a year.
  • Short-term assets cover long-term liabilities $2.2bn short-term assets against $6.0bn of longer-dated liabilities.
  • More cash than debt $883m of cash against $5.5bn of debt.
  • Debt below 40% of shareholders' equity Debt is 113% of equity.
  • Debt burden no higher than five years ago Debt to equity moved from 144% to 113% over five years.
  • A year's operating cash flow covers at least 20% of debt $1.2bn of operating cash flow against $5.5bn of debt.
  • Operating profit covers interest at least five times over Operating income of $974m against $256m of interest.

From Transunion's latest balance sheet as filed. Checks are fixed, documented rules (methodology), counted only where the company reports the figures — a dot means the filing doesn't break the item out. Descriptions of reported data, not advice.

Moat

46 /100

Moderate moat

How hard Transunion's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 6 / 20

    Net income has been a median 4.8% of total assets over 10 years.

  • Durability 10 / 20

    Operating margin has been a median 19.9%; its worst year was 5.6%.

  • Cash conversion 18 / 20

    Free cash flow was positive in 9 of 10 years, at a median 17.2% of revenue.

  • Discipline 16 / 20

    The diluted share count rose 0.6% over five years; stock-based pay has been a median 2.3% of revenue.

AI disruption exposure: High. In this industry, the core product is information work that AI systems increasingly perform. The score above includes a 15-point deduction for that exposure (62 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

Head to head: TRU vs TTEKNIQ vs TRUPSN vs TRUFCN vs TRU

More: Research & Consulting Services stocks compared, Industrials sector, rankings of US companies

Figures from Transunion's SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Transunion.