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TransUnion cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$363M in Q3 2026 · $910M over twelve months

Operating cash flow$430M
Capital spending−$66.9M
Free cash flow+$363M
Cash / net income2.7×

Analysis

In Q3 2026, TransUnion generated $430M of operating cash flow and spent $66.9M on capital projects, leaving free cash flow of $363M. That is $122M more than in Q3 2025 ($240M).

Over the twelve months to Sep 30, 2026, operating cash flow was $1.2B; the largest uses were acquisitions ($603M), buybacks ($394M), capital spending ($298M); besides operations, cash came from other financing ($266M), other investing ($75.5M); the cash balance rose by $133M.

Operating cash flow was $430M against net income of $160M — 2.7× profit, cash ran ahead of reported earnings. The largest differences: depreciation & amortization +$164M, stock-based pay +$37.0M, other liabilities +$26.4M.

Free cash flow

TransUnion: free cash flow by quarterTransUnion: free cash flow by quarter$137MQ4 2024−$15.9MQ1 2025$214MQ2 2025$240MQ3 2025$223MQ4 2025$19.0MQ1 2026$306MQ2 2026$363MQ3 2026
Operating cash flow less capital spending.
TransUnion: operating cash flow against capital spendingTransUnion: operating cash flow against capital spendingOperating cash flowCapital spending$254M$117MQ4 2024$52.5M$68.4MQ1 2025$291M$77.0MQ2 2025$324M$83.9MQ3 2025$320M$96.7MQ4 2025$84.2M$65.2MQ1 2026$375M$69.2MQ2 2026$430M$66.9MQ3 2026
Latest (Q3 2026): Operating cash flow $430M, Capital spending $66.9M.

Capital allocation, year by year

TransUnion: where the cash came from (up) and went (down), by fiscal yearTransUnion: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $808MFY2021: Net borrowing $3.1BFY2021: Shares issued $21.9MFY2021: Asset sales $1.7BFY2021: Capital spending −$224MFY2021: Acquisitions −$3.6BFY2021: Dividends −$69.8M$5.6BFY2021FY2022: Operating cash flow $297MFY2022: Shares issued $18.7MFY2022: Capital spending −$298MFY2022: Acquisitions −$508MFY2022: Dividends −$77.8M$316MFY2022FY2023: Operating cash flow $645MFY2023: Net borrowing $308MFY2023: Shares issued $23.1MFY2023: Capital spending −$311MFY2023: Dividends −$81.8M$977MFY2023FY2024: Operating cash flow $832MFY2024: Net borrowing $7.0MFY2024: Shares issued $24.9MFY2024: Asset sales $7.7MFY2024: Capital spending −$316MFY2024: Dividends −$82.7M$872MFY2024FY2025: Operating cash flow $988MFY2025: Net borrowing −$78.5MFY2025: Shares issued $22.5MFY2025: Capital spending −$326MFY2025: Acquisitions −$55.7MFY2025: Buybacks −$302MFY2025: Dividends −$90.5M$1.0BFY2025
Over these 5 years operating cash flow totalled $3.6B; the largest uses were acquisitions ($4.2B) and capital spending ($1.5B). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$884M
Debt$5.1B
Net debt$4.2B
Due within a year$197M

TransUnion funds itself: free cash flow was $910M over the last twelve months, and $884M of cash and investments stands against $5.1B of debt ($197M due within a year, 4.5× covered by cash).

TransUnion: debt maturities by year (FY2025)TransUnion: debt maturities by year (FY2025)$197MYear 1$109MYear 2$109MYear 3$1.1BYear 4$38.1MYear 5$3.6BAfter year 5
Principal due in each year as disclosed in the annual report, against $884M of cash and investments now.

Where the cash came from and went

TransUnion: sources (+) and uses (−) of cash, Q3 2026TransUnion: sources (+) and uses (−) of cash, Q3 2026Operating cash flow$430MNet borrowing (+) / repaid (−)−$130MBuybacks−$129MCapital spending−$66.9MCash drawn (+) / kept (−)−$44.0MTaxes on employees’ shares−$26.3MDividends−$24.9MShares issued$11.7MPartners−$6.9MExchange rates−$6.7MOther investing−$6.4MAcquisitions$200K
TransUnion: sources (+) and uses (−) of cash, TTM to Q3 2026TransUnion: sources (+) and uses (−) of cash, TTM to Q3 2026Operating cash flow$1.2BAcquisitions−$603MBuybacks−$394MCapital spending−$298MOther financing$266MCash drawn (+) / kept (−)−$133MDividends−$96.6MOther investing$75.5MTaxes on employees’ shares−$60.4MAsset & business sales$47.3MShares issued$21.5MExchange rates−$16.5M

From profit to cash

TransUnion: net income to operating cash flow, Q3 2026TransUnion: net income to operating cash flow, Q3 2026Net income$160MDepreciation & amortization$164MStock-based pay$37.0MReceivables$21.7MPayables$11.3MPrepaid and other assets$5.0MOther liabilities$26.4MOperating cash flow$430M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingAcquisitionsBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$430M−$66.9M$200K−$129M−$24.9M−$130M$11.7M−$44.0M$363M
Q2 2026$375M−$69.2M−$25.0M−$103M−$24.5M−$23.1M—−$107M$306M
Q1 2026$84.2M−$65.2M−$579M−$12.1M−$25.0M$502M$9.8M$121M$19.0M
Q4 2025$320M−$96.7M—−$149M−$22.2M——−$104M$223M
Q3 2025$324M−$83.9M—−$114M−$23.2M−$17.7M$12.0M−$62.4M$240M
Q2 2025$291M−$77.0M−$55.7M−$33.5M−$22.5M−$25.5M−$100K−$77.6M$214M
Q1 2025$52.5M−$68.4M—−$5.4M−$22.6M−$17.7M$10.6M$69.6M−$15.9M
Q4 2024$254M−$117M——−$21.0M—$400K−$36.3M$137M

TransUnion: income statement and cash flow

TransUnion, Q3 2026: revenue $1.3B (+12% year over year), operating margin 20.4%. The chart follows the revenue to costs, profit and cash.

TransUnion: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.