TransUnion (TRU)
Market Price (4/23/2026): $73.97 | Market Cap: $14.3 BilSector: Industrials | Industry: Research & Consulting Services
TransUnion (TRU)
Market Price (4/23/2026): $73.97Market Cap: $14.3 BilSector: IndustrialsIndustry: Research & Consulting Services
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 22%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 14% Low stock price volatilityVol 12M is 40% Megatrend and thematic driversMegatrends include Cybersecurity, Fintech & Digital Payments, and AI in Financial Services. Themes include Identity Management, Show more. | Weak multi-year price returns2Y Excs Rtn is -35%, 3Y Excs Rtn is -53% | Key risksTRU key risks include [1] significant exposure to data security incidents, Show more. |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 22%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 14% |
| Low stock price volatilityVol 12M is 40% |
| Megatrend and thematic driversMegatrends include Cybersecurity, Fintech & Digital Payments, and AI in Financial Services. Themes include Identity Management, Show more. |
| Weak multi-year price returns2Y Excs Rtn is -35%, 3Y Excs Rtn is -53% |
| Key risksTRU key risks include [1] significant exposure to data security incidents, Show more. |
Qualitative Assessment
AI Analysis | Feedback
1. Broader Market Downturn and Macroeconomic Uncertainty. The overall market experienced significant pressure in the first quarter of 2026, with the S&P 500 and Nasdaq Composite declining by approximately 5% and 7% respectively due to "unanticipated turbulence, primarily due to the Iran conflict." This general market weakness contributed to the downward trend for individual stocks, including TransUnion. Additionally, the U.S. commercial mortgage-backed securities (CMBS) market, a sector relevant to TransUnion's services, faced macroeconomic uncertainty and headwinds related to short-term interest rates in Q1 2026.
2. Perceived Conservative 2026 Financial Guidance. Despite strong fourth-quarter 2025 results, where TransUnion exceeded consensus estimates with an EPS of $1.07 against an expectation of $1.03 and revenue of $1.17 billion exceeding expectations of $1.13 billion, the company's initial full-year 2026 revenue growth guidance of 8% to 9% may have been viewed as conservative by investors. This guidance, reaffirmed at its Investor Day on March 10, 2026, and a medium-term framework targeting high-single-digit organic revenue growth, might not have been sufficient to stimulate investor confidence for higher appreciation in a volatile market.
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Stock Movement Drivers
Fundamental Drivers
The -13.6% change in TRU stock from 12/31/2025 to 4/22/2026 was primarily driven by a -21.0% change in the company's P/E Multiple.| (LTM values as of) | 12312025 | 4222026 | Change |
|---|---|---|---|
| Stock Price ($) | 85.61 | 73.99 | -13.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 4,442 | 4,576 | 3.0% |
| Net Income Margin (%) | 9.5% | 10.0% | 5.1% |
| P/E Multiple | 39.7 | 31.3 | -21.0% |
| Shares Outstanding (Mil) | 195 | 193 | 1.0% |
| Cumulative Contribution | -13.6% |
Market Drivers
12/31/2025 to 4/22/2026| Return | Correlation | |
|---|---|---|
| TRU | -13.6% | |
| Market (SPY) | -5.4% | 32.9% |
| Sector (XLI) | 10.3% | 24.2% |
Fundamental Drivers
The -11.4% change in TRU stock from 9/30/2025 to 4/22/2026 was primarily driven by a -24.6% change in the company's P/E Multiple.| (LTM values as of) | 9302025 | 4222026 | Change |
|---|---|---|---|
| Stock Price ($) | 83.52 | 73.99 | -11.4% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 4,357 | 4,576 | 5.0% |
| Net Income Margin (%) | 9.0% | 10.0% | 10.7% |
| P/E Multiple | 41.6 | 31.3 | -24.6% |
| Shares Outstanding (Mil) | 195 | 193 | 1.1% |
| Cumulative Contribution | -11.4% |
Market Drivers
9/30/2025 to 4/22/2026| Return | Correlation | |
|---|---|---|
| TRU | -11.4% | |
| Market (SPY) | -2.9% | 31.9% |
| Sector (XLI) | 11.3% | 29.0% |
Fundamental Drivers
The -10.3% change in TRU stock from 3/31/2025 to 4/22/2026 was primarily driven by a -44.5% change in the company's P/E Multiple.| (LTM values as of) | 3312025 | 4222026 | Change |
|---|---|---|---|
| Stock Price ($) | 82.51 | 73.99 | -10.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 4,184 | 4,576 | 9.4% |
| Net Income Margin (%) | 6.8% | 10.0% | 46.5% |
| P/E Multiple | 56.5 | 31.3 | -44.5% |
| Shares Outstanding (Mil) | 195 | 193 | 0.9% |
| Cumulative Contribution | -10.3% |
Market Drivers
3/31/2025 to 4/22/2026| Return | Correlation | |
|---|---|---|
| TRU | -10.3% | |
| Market (SPY) | 16.3% | 63.6% |
| Sector (XLI) | 31.9% | 57.3% |
Fundamental Drivers
The 21.1% change in TRU stock from 3/31/2023 to 4/22/2026 was primarily driven by a 38.6% change in the company's Net Income Margin (%).| (LTM values as of) | 3312023 | 4222026 | Change |
|---|---|---|---|
| Stock Price ($) | 61.12 | 73.99 | 21.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 3,710 | 4,576 | 23.4% |
| Net Income Margin (%) | 7.2% | 10.0% | 38.6% |
| P/E Multiple | 44.2 | 31.3 | -29.2% |
| Shares Outstanding (Mil) | 193 | 193 | -0.1% |
| Cumulative Contribution | 21.1% |
Market Drivers
3/31/2023 to 4/22/2026| Return | Correlation | |
|---|---|---|
| TRU | 21.1% | |
| Market (SPY) | 63.3% | 56.7% |
| Sector (XLI) | 76.3% | 53.8% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| TRU Return | 20% | -52% | 22% | 36% | -7% | -10% | -20% |
| Peers Return | 16% | -6% | 53% | 30% | -16% | -23% | 42% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 3% | 88% |
Monthly Win Rates [3] | |||||||
| TRU Win Rate | 67% | 17% | 67% | 67% | 50% | 25% | |
| Peers Win Rate | 64% | 33% | 72% | 58% | 50% | 17% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| TRU Max Drawdown | -15% | -57% | -23% | -8% | -25% | -23% | |
| Peers Max Drawdown | -23% | -33% | -7% | -9% | -26% | -31% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -7% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: EFX, FICO, VRSK. See TRU Returns vs. Peers.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 4/22/2026 (YTD)
How Low Can It Go
| Event | TRU | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -65.3% | -25.4% |
| % Gain to Breakeven | 188.0% | 34.1% |
| Time to Breakeven | Not Fully Recovered days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -45.2% | -33.9% |
| % Gain to Breakeven | 82.5% | 51.3% |
| Time to Breakeven | 279 days | 148 days |
| 2018 Correction | ||
| % Loss | -31.4% | -19.8% |
| % Gain to Breakeven | 45.7% | 24.7% |
| Time to Breakeven | 211 days | 120 days |
Compare to EFX, FICO, VRSK
In The Past
TransUnion's stock fell -65.3% during the 2022 Inflation Shock from a high on 9/8/2021. A -65.3% loss requires a 188.0% gain to breakeven.
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About TransUnion (TRU)
AI Analysis | Feedback
1. TransUnion is like the "Nielsen" for people's financial trustworthiness. While Nielsen tracks what people watch and buy, TransUnion tracks and analyzes billions of pieces of data on consumer credit behavior and identity, helping businesses make lending, insurance, and fraud prevention decisions.
2. TransUnion is like the S&P Global or Moody's for individual creditworthiness. Just as those companies provide ratings for corporations and governments, TransUnion gathers vast amounts of data to provide credit scores and reports that assess the financial reliability of individuals for lenders, landlords, and other businesses worldwide.
3. TransUnion is like a high-tech "financial guardian" for both consumers and businesses. For consumers, it's similar to LifeLock, offering credit monitoring and identity protection. For businesses, it's a vital data partner, helping them assess risk and prevent fraud in lending, insurance, and more.
AI Analysis | Feedback
- Credit Reporting Services: Provides consumer and commercial credit reports and scores to businesses and individual consumers.
- Data Analytics and Insights: Offers advanced analytics and actionable insights to help businesses with customer acquisition, risk assessment, and portfolio management.
- Fraud Prevention and Identity Solutions: Delivers solutions for verifying identities, mitigating fraud risk, and protecting consumers from identity theft.
- Risk Management for Businesses: Provides tools and services for businesses to measure and manage debt portfolio risk and facilitate debt collection.
- Consumer Financial Management: Offers credit monitoring, identity protection, and financial management tools for individuals to manage their personal finances.
- Industry-Specific Information Solutions: Supplies specialized information solutions for sectors like insurance, automotive, tenant screening, and employment.
- Technology Solutions: Develops and implements technology solutions to support various risk management and information services globally.
AI Analysis | Feedback
Major Customers of TransUnion (TRU)
TransUnion (TRU) primarily sells its risk and information solutions to other companies across a wide array of industries. While the company also offers direct-to-consumer services through its Consumer Interactive segment, its major customers are businesses. TransUnion serves a diverse business customer base, rather than having a few major named customers. Specific customer company names are not provided in the company description, but the major categories of businesses it serves include:
- Financial Services: This broad category includes banks, credit unions, and various lenders (e.g., for mortgages, auto loans, personal loans). These entities use TransUnion's services for customer acquisition, assessing ability to pay, managing debt portfolio risk, and fraud mitigation.
- Insurance: Providers of auto, life, property, and other forms of insurance leverage TransUnion's data for risk assessment and policy underwriting.
- Tenant, Employment, and Collections Services: Businesses such as landlords (for tenant screening), employers (for background checks), and debt collection agencies utilize TransUnion's reports and insights.
- Technology, Commerce, and Communications: This diverse group includes e-commerce platforms, retail credit providers, and telecommunications companies.
- Public Sector: Government agencies and related entities also use TransUnion's services for various purposes.
AI Analysis | Feedback
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Christopher A. Cartwright, President & Chief Executive Officer
Christopher A. Cartwright has served as the President & Chief Executive Officer of TransUnion and a member of the Board of Directors since May 2019. He joined TransUnion in August 2013, previously serving as Executive Vice President, U.S. Information Services. Prior to TransUnion, he was the Chief Executive Officer of Decision Insight Information Group. Earlier in his career, he spent nearly 14 years at Wolters Kluwer, where he rose to CEO of the Corporate and Financial Services Division and Shared Services for North America. He also held positions as Senior Vice President, Strategic Planning & Operations for Christie's Inc. and as a Strategy Consultant at Coopers & Lybrand.
Todd M. Cello, Executive Vice President, Chief Financial Officer
Todd M. Cello joined TransUnion in October 1997 and has served as Executive Vice President, Chief Financial Officer since August 2017. Before his current role, Mr. Cello served as Senior Vice President and International CFO from August 2015 to August 2017. From January 2009 to August 2015, he was Vice President, Financial Planning and Analysis, where he played a lead role in the two leveraged buyouts of TransUnion in 2010 and 2012 and the initial public offering in 2015. He also served as Vice President and U.S. Information Services CFO from October 2005 to December 2008.
Steven M. Chaouki, President, U.S. Markets
Steven M. Chaouki has served as the President, U.S. Markets since May 2019. He previously held the role of Executive Vice President, Financial Services from 2013 until May 2019. Before joining TransUnion, Mr. Chaouki held roles at HSBC in card/retail services and auto finance.
Todd C. Skinner, President, International
Todd C. Skinner has served as President, International since August 2021. He joined TransUnion in 2014, where he previously served as Regional President of Canada, Latin America, and the Caribbean. Prior to TransUnion, Mr. Skinner was the President of First Canadian Title Default Solutions. He also served as Chief Credit Officer and Chief Operations Officer for Retail Banking and Wealth Management at HSBC, and President and Chief Executive Officer for HSBC Financial.
Venkat Achanta, Executive Vice President, Chief Technology, Data & Analytics Officer
Venkat Achanta previously served as Executive Vice President and Chief Data & Technology Officer of Neustar, Inc., where he led data science, data strategy, and technology teams across the company. He earned his Bachelor of Science degree in Computer Science and Engineering from Andhra University in India and his M.B.A. from UCLA's Anderson School of Management.
AI Analysis | Feedback
TransUnion (TRU) faces several key risks inherent to its business model, primarily revolving around the handling of sensitive consumer data, economic fluctuations, and competitive market dynamics.
- Data Privacy, Security, and Regulatory Compliance: As a leading provider of consumer reports and identity protection solutions, TransUnion's core business relies heavily on the secure and compliant handling of vast amounts of sensitive personal and financial data. The company is under constant threat of cyberattacks and data breaches, which could lead to significant financial penalties, legal liabilities, and severe reputational damage. For instance, in 2025, TransUnion disclosed a data breach that exposed the sensitive personal information, including Social Security numbers, of over 4.4 million Americans through a third-party application. The company operates in a highly regulated environment, subject to laws like the Fair Credit Reporting Act (FCRA), and faces ongoing scrutiny from bodies such as the Consumer Financial Protection Bureau (CFPB) regarding data accuracy and consumer dispute resolution. Non-compliance with evolving data privacy regulations globally poses an ongoing risk.
- Economic Sensitivity: TransUnion's revenue streams are closely tied to the health of the lending, financial services, and broader consumer-driven industries it serves. Economic downturns, rising interest rates, and shifts in consumer credit behavior can directly impact the demand for its credit reporting, analytics, and risk management solutions. When credit originations (new loans) decrease due to economic uncertainty or monetary policy shifts, it directly affects TransUnion's core business. The company acknowledges the risk of underestimating the impact of low activity in the U.S. credit market and potential slowdowns in international markets.
- Competition and Technological Disruption: The credit reporting and data analytics industry is highly competitive, with major players like Experian and Equifax, as well as emerging fintech companies and specialized information providers. TransUnion faces continuous pressure to innovate and adapt its offerings to maintain market share against competitors who may offer more advanced or cost-effective solutions. The increasing availability and adoption of alternative data sources for assessing creditworthiness also pose a risk of disrupting traditional credit reporting models, requiring TransUnion to invest significantly in new technologies and data strategies to remain competitive. Heightened competition, particularly in segments like mortgage credit reporting, can lead to pricing pressures and service commoditization, potentially impacting profit margins.
AI Analysis | Feedback
The emergence and increasing adoption of alternative credit scoring models and data sources by lenders and fintech companies. These models leverage non-traditional data such as rent payment history, utility bill payments, banking transaction data, and AI-driven behavioral analytics to assess creditworthiness. This trend allows lenders to evaluate consumers, particularly those with "thin" credit files or no traditional credit history, without primary reliance on the historical data and credit scores provided by traditional credit bureaus like TransUnion. As these alternative methods gain traction and become more sophisticated, they pose a clear threat by potentially diminishing the central role of TransUnion's core credit reporting and scoring services in credit decisioning across various industry verticals.
AI Analysis | Feedback
TransUnion (NYSE: TRU) operates in several large addressable markets globally, providing risk and information solutions across its U.S. Markets, International, and Consumer Interactive segments. These markets encompass credit reporting, identity protection, credit monitoring, and broader consumer credit services.
Overall Addressable Market
- Global Total Addressable Market: TransUnion's total addressable market was estimated at approximately $109.59 billion as of 2024, with a projected Compound Annual Growth Rate (CAGR) of 11.78% through 2029.
U.S. Markets Segment
- U.S. Credit Agency Market (including consumer and corporate ratings): This market was valued at an estimated $18.63 billion by 2025 and is expected to grow at a CAGR of 5.9% over the next five years. Other estimates place the U.S. credit agency market at $17.6 billion in 2025, or approximately $18.77 billion in 2025, with a projected growth to $26.34 billion by 2031 at a CAGR of 5.82%.
- U.S. Credit Reporting Services: This segment held 57.05% of the U.S. credit agency market share in 2025.
- U.S. Credit Scoring & Analytics: This segment is projected to grow at a CAGR of 6.69% through 2031.
Consumer Interactive Segment
- Global Identity Theft Protection Services Market: This market is projected to grow from $19.45 billion in 2026 to $49.09 billion by 2034, exhibiting a CAGR of 12.30%. Other estimates for the global market include $10.57 billion in 2024, projected to reach $27.74 billion by 2032 at a 12.01% CAGR, and $13.13 billion in 2023, projected to reach $33.35 billion by 2030 at a CAGR of 14.2%.
- U.S. Identity Theft Protection Services Market: The market in the United States alone could rise from approximately $3.8 billion in 2024 to nearly $9.7 billion by 2032. North America held a 38.10% share of the global market in 2025.
- Global Credit Monitoring Services Market: The market size was $8.41 billion in 2025 and is projected to grow to $9.18 billion in 2026 at a CAGR of 9.1%. It is expected to reach $12.87 billion in 2030 with an 8.8% CAGR. North America was the largest region in this market in 2025.
Broader Financial Services Markets
- Global Consumer Credit Market: This market was valued at $11.8 billion in 2022 and is projected to reach $24.3 billion by 2032, growing at a CAGR of 7.8%. North America dominated this market in 2022.
AI Analysis | Feedback
Here are 3-5 expected drivers of future revenue growth for TransUnion (TRU) over the next 2-3 years:- Technological Innovation and AI-Powered Platforms: TransUnion's strategic investments in its AI-powered OneTru™ technology platform are expected to accelerate innovation and value creation. This platform, designed for global scale, enhances data processing, analytics, and product delivery across Credit, Marketing, Fraud, and Consumer Solutions. The launch of the TrueIQ analytics platform in Canada, the United Kingdom, and India, along with its data enrichment on Snowflake, further expands market opportunities and drives new business wins by improving operational efficiency and enabling faster data model building.
- Expansion and Performance of Core Solution Families: The company anticipates high-single digit or greater growth from its Credit, Marketing, and Fraud Solutions. These segments are central to TransUnion's strategy and are expected to deliver stronger commercial outcomes across various industry verticals and geographies.
- Strategic International Expansion and Strong Performance in Key Markets: TransUnion targets low-double digit organic constant-currency revenue growth in its International segment. Specifically, the acquisition of majority ownership in Trans Union de México is expected to contribute to 2026 guidance, expanding the company's global reach. India is identified as a significant long-term growth opportunity with the potential for over 20% annual growth over the medium term, driven by expanding credit access for underserved markets. Strong double-digit growth has also been observed in Canada and the UK.
- Growth in Emerging Verticals: TransUnion's Emerging Verticals segment has demonstrated accelerated growth, reaching 16% in Q4 2025. This growth is expected to continue, particularly driven by strong performance in marketing and fraud solutions, as well as specific areas like insurance, which consistently shows double-digit growth. These emerging verticals leverage TransUnion's diversified portfolio to penetrate new markets.
AI Analysis | Feedback
Share Repurchases
- TransUnion completed share repurchases of 3,532,109 shares for $300.89 million under a program announced on February 13, 2025.
- In 2025, the company repurchased approximately $300 million in shares, including about $150 million in the fourth quarter.
- As of October 23, 2025, TransUnion increased its share repurchase authorization to $1 billion.
Share Issuance
- Proceeds from the issuance of common stock and the exercise of stock options amounted to $22.5 million in 2025 and $24.9 million in 2024.
Outbound Investments
- In December 2021, TransUnion completed the acquisitions of Neustar for $3.1 billion and Sontiq for $638 million.
- TransUnion acquired Verisk Financial Services for $515 million in cash in 2022.
- On March 2, 2026, TransUnion completed the acquisition of an additional 68% of Trans Union de México (Buró de Crédito) for approximately $662 million, bringing its total ownership to about 94%.
Capital Expenditures
- Capital expenditures represented 7% of revenue for 2025 and 8% for 2024.
- For the nine months ended September 30, 2025, capital expenditures were $229 million.
- A significant focus of capital expenditures includes the migration of U.S. credit customers to the OneTru platform, a technology transformation program that was completed in the fourth quarter of 2025.
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| 03312026 | NSP | Insperity | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 0.0% | 0.0% | 0.0% |
| 03312026 | TNC | Tennant | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 0.0% | 0.0% | 0.0% |
| 03272026 | ADP | Automatic Data Processing | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | 1.0% | 1.0% | 0.0% |
| 03272026 | HURN | Huron Consulting | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | 4.0% | 4.0% | 0.0% |
| 03272026 | TRU | TransUnion | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | 5.2% | 5.2% | 0.0% |
Research & Analysis
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 178.77 |
| Mkt Cap | 22.2 |
| Rev LTM | 3,824 |
| Op Inc LTM | 1,069 |
| FCF LTM | 929 |
| FCF 3Y Avg | 746 |
| CFO LTM | 1,212 |
| CFO 3Y Avg | 1,016 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 9.5% |
| Rev Chg 3Y Avg | 7.4% |
| Rev Chg Q | 13.7% |
| QoQ Delta Rev Chg LTM | 3.2% |
| Op Inc Chg LTM | 13.4% |
| Op Inc Chg 3Y Avg | 9.5% |
| Op Mgn LTM | 31.3% |
| Op Mgn 3Y Avg | 30.6% |
| QoQ Delta Op Mgn LTM | 0.2% |
| CFO/Rev LTM | 31.4% |
| CFO/Rev 3Y Avg | 30.0% |
| FCF/Rev LTM | 26.5% |
| FCF/Rev 3Y Avg | 24.3% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 22.2 |
| P/S | 5.8 |
| P/Op Inc | 18.6 |
| P/EBIT | 18.5 |
| P/E | 31.0 |
| P/CFO | 15.9 |
| Total Yield | 4.0% |
| Dividend Yield | 0.8% |
| FCF Yield 3Y Avg | 3.0% |
| D/E | 0.2 |
| Net D/E | 0.2 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | -4.7% |
| 3M Rtn | -16.3% |
| 6M Rtn | -23.2% |
| 12M Rtn | -32.4% |
| 3Y Rtn | 4.4% |
| 1M Excs Rtn | -13.1% |
| 3M Excs Rtn | -20.2% |
| 6M Excs Rtn | -28.9% |
| 12M Excs Rtn | -64.8% |
| 3Y Excs Rtn | -65.2% |
Price Behavior
| Market Price | $73.99 | |
| Market Cap ($ Bil) | 14.3 | |
| First Trading Date | 01/04/2010 | |
| Distance from 52W High | -25.1% | |
| 50 Days | 200 Days | |
| DMA Price | $72.89 | $82.12 |
| DMA Trend | down | down |
| Distance from DMA | 1.5% | -9.9% |
| 3M | 1YR | |
| Volatility | 48.3% | 39.8% |
| Downside Capture | 0.61 | 0.67 |
| Upside Capture | 123.05 | 100.99 |
| Correlation (SPY) | 28.9% | 43.3% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.37 | 1.17 | 1.25 | 1.05 | 1.55 | 1.50 |
| Up Beta | -0.97 | 0.68 | 2.03 | 1.73 | 1.72 | 1.70 |
| Down Beta | -0.89 | -0.06 | 0.84 | 0.86 | 1.57 | 1.46 |
| Up Capture | 22% | 160% | 82% | 66% | 120% | 208% |
| Bmk +ve Days | 7 | 16 | 27 | 65 | 139 | 424 |
| Stock +ve Days | 9 | 22 | 31 | 61 | 122 | 372 |
| Down Capture | 139% | 172% | 159% | 117% | 130% | 109% |
| Bmk -ve Days | 12 | 23 | 33 | 58 | 110 | 323 |
| Stock -ve Days | 13 | 20 | 32 | 65 | 129 | 374 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with TRU | |
|---|---|---|---|---|
| TRU | 5.3% | 40.3% | 0.23 | - |
| Sector ETF (XLI) | 41.3% | 15.2% | 2.06 | 40.1% |
| Equity (SPY) | 26.7% | 12.5% | 1.77 | 45.3% |
| Gold (GLD) | 38.9% | 27.4% | 1.19 | -10.1% |
| Commodities (DBC) | 23.5% | 16.2% | 1.32 | -6.9% |
| Real Estate (VNQ) | 15.6% | 13.6% | 0.82 | 47.1% |
| Bitcoin (BTCUSD) | -12.8% | 42.6% | -0.21 | 23.3% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with TRU | |
|---|---|---|---|---|
| TRU | -4.5% | 38.2% | -0.02 | - |
| Sector ETF (XLI) | 12.8% | 17.3% | 0.58 | 58.8% |
| Equity (SPY) | 10.5% | 17.1% | 0.48 | 62.4% |
| Gold (GLD) | 21.5% | 17.8% | 0.99 | 5.5% |
| Commodities (DBC) | 10.7% | 18.8% | 0.47 | 11.1% |
| Real Estate (VNQ) | 3.6% | 18.8% | 0.09 | 55.3% |
| Bitcoin (BTCUSD) | 3.8% | 56.4% | 0.29 | 23.2% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with TRU | |
|---|---|---|---|---|
| TRU | 11.0% | 34.6% | 0.40 | - |
| Sector ETF (XLI) | 13.8% | 19.9% | 0.61 | 60.0% |
| Equity (SPY) | 13.8% | 17.9% | 0.66 | 64.4% |
| Gold (GLD) | 13.9% | 15.9% | 0.73 | 4.4% |
| Commodities (DBC) | 8.1% | 17.6% | 0.38 | 18.2% |
| Real Estate (VNQ) | 5.4% | 20.7% | 0.23 | 55.8% |
| Bitcoin (BTCUSD) | 68.1% | 66.9% | 1.07 | 15.5% |
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Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 2/12/2026 | -1.4% | 6.2% | -2.4% |
| 10/23/2025 | 3.5% | -0.3% | 0.1% |
| 7/24/2025 | 4.1% | 2.1% | -8.4% |
| 4/24/2025 | 6.7% | 7.4% | 9.5% |
| 2/13/2025 | 7.3% | 1.1% | -11.8% |
| 10/23/2024 | 2.7% | -3.4% | -8.5% |
| 7/25/2024 | 8.0% | 16.3% | 23.0% |
| 4/25/2024 | 8.2% | 8.6% | 9.2% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 12 | 12 | 12 |
| # Negative | 10 | 10 | 10 |
| Median Positive | 4.1% | 3.9% | 9.3% |
| Median Negative | -1.8% | -3.1% | -7.4% |
| Max Positive | 8.2% | 16.3% | 23.0% |
| Max Negative | -23.3% | -33.2% | -11.8% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 12/31/2025 | 02/27/2026 | 10-K |
| 09/30/2025 | 10/23/2025 | 10-Q |
| 06/30/2025 | 07/24/2025 | 10-Q |
| 03/31/2025 | 04/24/2025 | 10-Q |
| 12/31/2024 | 02/13/2025 | 10-K |
| 09/30/2024 | 10/23/2024 | 10-Q |
| 06/30/2024 | 07/25/2024 | 10-Q |
| 03/31/2024 | 04/25/2024 | 10-Q |
| 12/31/2023 | 02/28/2024 | 10-K |
| 09/30/2023 | 10/24/2023 | 10-Q |
| 06/30/2023 | 07/25/2023 | 10-Q |
| 03/31/2023 | 04/25/2023 | 10-Q |
| 12/31/2022 | 02/14/2023 | 10-K |
| 09/30/2022 | 10/25/2022 | 10-Q |
| 06/30/2022 | 07/26/2022 | 10-Q |
| 03/31/2022 | 04/26/2022 | 10-Q |
Recent Forward Guidance [BETA]
Latest: Q4 2025 Earnings Reported 2/12/2026
| Forward Guidance | Guidance Change | ||||||
|---|---|---|---|---|---|---|---|
| Metric | Low | Mid | High | % Chg | % Delta | Change | Prior |
| Q1 2026 Revenue | 1.20 Bil | 1.20 Bil | 1.21 Bil | 6.3% | Higher New | Guidance: 1.13 Bil for Q4 2025 | |
| Q1 2026 Revenue Growth | 9.0% | 9.5% | 10.0% | 5.6% | 0.5% | Higher New | Guidance: 9.0% for Q4 2025 |
| Q1 2026 EPS | 1.08 | 1.09 | 1.1 | 9.6% | Higher New | Guidance: 0.99 for Q4 2025 | |
| 2026 Revenue | 4.95 Bil | 4.96 Bil | 4.98 Bil | 9.5% | Higher New | Guidance: 4.53 Bil for 2025 | |
| 2026 Revenue Growth | 8.0% | 8.5% | 9.0% | 3.0% | 0.2% | Higher New | Guidance: 8.25% for 2025 |
| 2026 EPS | 4.63 | 4.67 | 4.71 | 10.7% | Higher New | Guidance: 4.22 for 2025 | |
Prior: Q3 2025 Earnings Reported 10/23/2025
| Forward Guidance | Guidance Change | ||||||
|---|---|---|---|---|---|---|---|
| Metric | Low | Mid | High | % Chg | % Delta | Change | Prior |
| Q4 2025 Revenue | 1.12 Bil | 1.13 Bil | 1.14 Bil | ||||
| Q4 2025 Revenue Growth | 8.0% | 9.0% | 10.0% | ||||
| Q4 2025 EPS | 0.42 | 0.45 | 0.47 | ||||
| Q4 2025 Adjusted EPS | 0.97 | 0.99 | 1.02 | ||||
| 2025 Revenue | 4.52 Bil | 4.53 Bil | 4.54 Bil | 1.8% | Raised | Guidance: 4.45 Bil for 2025 | |
| 2025 Revenue Growth | 8.0% | 8.25% | 8.5% | 26.9% | 1.8% | Raised | Guidance: 6.5% for 2025 |
| 2025 EPS | 2.21 | 2.23 | 2.26 | 5.2% | Raised | Guidance: 2.12 for 2025 | |
| 2025 Adjusted EPS | 4.19 | 4.22 | 4.25 | ||||
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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