TransUnion Q3 10-Q: EPS $0.81, Buyback Raised to $2.0B, Legal Accrual Jumps to $96.4M
TRU sits 24% above its 52-week low of $60.96 on elevated volume (1.9× avg).
Summary
TransUnion's Q3 10-Q confirms the morning's beat — $1,312.5M revenue and $0.81 diluted EPS — and discloses a fresh $1.0 billion buyback increase alongside a legal accrual that climbed to $96.4M.
Key Events · Earnings and Guidance · TRU
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Q3 Beat Confirmed in Full Statements
Revenue of $1,312.5M rose 12.2% from $1,169.5M, and net income attributable to TransUnion jumped to $156.2M from $96.6M, producing diluted EPS of $0.81 versus $0.49.
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Buyback Authorization Raised to $2.0 Billion
On October 26, 2026, the board added $1.0 billion, lifting the aggregate authorization to $2.0 billion; $456.8M remained available at September 30 after $244.6M of nine-month repurchases at an average $74.66.
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Mexico Deal Drives One-Time Gain
The $659.6M cash purchase of 68% of Trans Union de Mexico closed March 2, 2026, remeasuring the prior 26% stake at $247.4M and booking a $225.5M non-taxable gain — the bulk of the nine-month $696.7M net income.
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Legal Accrual Climbs to $96.4M
Accrued legal and regulatory matters rose from $62.2M at December 31, 2025 to $96.4M; the CFPB dispute-handling matter is paused with no estimate of when engagement resumes or the likely outcome.
Analysis · TRU · Trade & Services
The headline numbers were already out this morning, but the 10-Q carries the detail that matters for the thesis. Revenue of $1,312.5M and diluted EPS of $0.81 confirm the beat, while nine-month net income of $696.7M includes a $225.5M non-taxable gain on the Trans Union de Mexico step acquisition — a one-time item, not operating earnings. On October 26 the board added $1.0 billion to the repurchase authorization, taking the program to $2.0 billion with $456.8M still available; that is real support for the share count. Against it, the legal and regulatory accrual rose to $96.4M from $62.2M at year-end, and the CFPB dispute-handling matter remains paused with no estimate of timing or outcome — the open-ended regulatory risk is what can move this stock. Leverage sits at 2.5x on $4,573.5M of net debt, comfortably inside covenants.
How filings like this one have moved
In the 30 days to Oct 27, 2026, 36.2% of the 898 measured filings Wiseek scored 8 moved their stock by 5% or more by the next session's close. The median move was -0.75%. These are measured outcomes after filings of this importance, not a forecast for this one.
Measured one observation per ticker per day, after exclusions. Current figures: Filing Impact Tracker · open dataset
At the time of this filing, TRU was trading at $75.43 on NYSE in the Trade & Services sector, with a market capitalization of approximately $14.5B. The 52-week trading range was $60.96 to $89.12. This filing was assessed with positive market sentiment and an importance score of 8 out of 10.