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TransUnion (TRU) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Oct 27, 2026 · TransUnion (TRU) Q3 2026 earnings results →
Q3 2026 Revenue up 12% year over year to $1.3B · 12¢ of every $1 of revenue kept as net profit · operating margin 20.4%
TransUnion made $1.3B in Q3 2026 (+12% Y/Y). Operating margin 20.4%, net earnings $156M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Oct 27, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $1.3B in Q3 2026, up 12% year over year and roughly flat from the previous quarter.
Operating profit was $0.27B, a 20.4% margin (up 2.6 points year over year). Of the extra revenue versus Q3 2025, 42% reached operating profit, above the 18% margin then. Total costs grew 9% against revenue growth of 12%. The fastest-growing cost line was Other operating costs (+11%). Net earnings were $0.16B, up 62% year over year. The effective tax rate was 23.2%.
Operating cash flow was $0.43B (up 32% year over year), 268% of net income including minority interests. Non-cash charges added back $0.16B of depreciation and amortization and $0.04B of share-based compensation. Working capital and other items added $0.07B. Capital expenditures of $0.07B left free cash flow of $0.36B.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Oct 27, 2026 | $1.3B | +12% | 20.4% | $156M | $430M |
| Q2 2026 | 10-Q | Jul 28, 2026 | $1.3B | +15% | 19.7% | $143M | $375M |
| Q1 2026 | 10-Q | Apr 28, 2026 | $1.2B | +14% | 19.7% | $397M | $84.2M |
| Q4 2025 | 10-K | Feb 27, 2026 | $1.2B | +13% | 17.4% | $101M | $320M |
| Q3 2025 | 10-Q | Oct 23, 2025 | $1.2B | +8% | 17.8% | $96.6M | $324M |
| Q2 2025 | 10-Q | Jul 24, 2025 | $1.1B | +10% | 16.9% | $110M | $291M |
| Q1 2025 | 10-Q | Apr 24, 2025 | $1.1B | +7% | 23.2% | $148M | $52.5M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About TransUnion
TransUnion is a leading global information and insights company that makes trust possible between businesses and consumers, helping people around the world access opportunities that can lead to a higher quality of life. That trust is built on TransUnion’s ability to deliver safe, innovative solutions with credibility and consistency. We call this Information for Good. We have built robust data and analytics assets for a large portion of the adult population in the markets we serve. We use our OneTru solution enablement platform to centralize data management, identity resolution and Artificial Intelligence (“AI”) powered analytics, enabling more persistent identity resolution with sharper, more contextualized insights.
In its own words, from its 10-K, filed Feb 27, 2026.
TransUnion against its Services-Consumer Credit Reporting, Collection Agencies peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +12% against the peers' median +7%. Operating margin: 20.4% against the peers' median 21.0%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| TRU TransUnion | Q3 2026 | $1.3B | +12% | 20.4% |
| SPGI S&P Global | Q3 2026 | $3.7B | +7% | 53.2% |
| MCO Moody's | Q3 2026 | $2.0B | +0.8% | 44.8% |
| EFX Equifax | Q3 2026 | $1.7B | +10% | 21.0% |
| CRMZ Creditriskmonitor | Q2 2026 | $5.2M | +2% | -12.9% |
Source: TransUnion 10-Q on SEC EDGAR · CIK 1552033 · Services-Consumer Credit Reporting, Collection Agencies
Guidance and outlook
13F: who owns TRU and who is buying
More on TRU
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results