Personal loans surge amid affordability struggles: It's 'the middle-class refinancing option,' expert says
Personal loan originations are predicted to be the primary driver of consumer credit growth in 2026, according to TransUnion, outpacing mortgages, credit cards, and auto loans. This surge is largely attributed to personal loans becoming a "middle-class refinancing option" for high-interest credit card debt. Subprime borrowers, those with lower credit scores, are significantly fueling this growth as they seek to consolidate debt, though experts caution that interest rate relief for them may be limited.
TransUnion Reports Subprime Borrowers Drive Lending Surge
TransUnion's Q4 2025 Credit Industry Insights Report revealed that subprime borrowers were the primary drivers behind record highs in unsecured personal loan originations and balances. Originations reached 7.2 million in Q3 2025, with subprime borrower originations increasing by 32.5% year-over-year. Unsecured personal loan balances hit $276 billion in Q4 2025, with subprime borrowers accounting for a 17% year-over-year increase, while lenders are employing stronger risk management and disciplined underwriting, resulting in lower delinquency rates for newer subprime loans compared to prior years.
Available home equity surges to $21.4 trillion even as loan originations jump
Despite a surge in home equity loan originations, available home equity in the U.S. has reached $21.4 trillion, a 56% increase since Q4 2019. This growth is attributed to rising home values and homeowners consistently paying their mortgages. TransUnion forecasts continued growth in mortgage originations for 2026, though affordability remains a significant challenge.
TransUnion forecasts refinances to level off in 2026 as purchase loans accelerate
TransUnion predicts that purchase originations will see significant growth in 2026, nearly doubling this year's figures, while refinance growth is expected to slow considerably. The credit bureau’s latest forecast also highlights a continued increase in home equity loans and an overall expansion in consumer lending. Mortgage rates hovering around 6% or higher are anticipated to impact refinance activity, which will largely depend on a meaningful decline in borrowing costs.
TransUnion: Purchase Mortgages To Lead Credit Expansion
TransUnion forecasts that mortgage originations will continue to rise through 2026, primarily driven by purchase mortgages. This growth is attributed to easing interest rates, improved affordability, and strong consumer demand, alongside a gradual recovery in refinance activity. While overall lending expansion is expected to moderate compared to 2025, mortgages and unsecured personal loans are projected to be key drivers of credit growth, though rising mortgage delinquencies highlight a need for disciplined underwriting.
TransUnion Stock Gains 6% Post Reporting Q4 Earnings & Revenue Beat
TransUnion (TRU) reported better-than-expected fourth-quarter 2025 earnings and revenues, with adjusted EPS of $1.07 surpassing the consensus and total revenues of $1.2 billion exceeding estimates. Despite the positive Q4 results, the company's stock has declined over the past year. TransUnion also provided its outlook for Q1 and full-year 2026, with revenue guidance largely meeting expectations but adjusted EPS forecasts falling below current consensus estimates.
TransUnion's Q4 Earnings Call: Our Top 5 Analyst Questions
TransUnion's Q4 2025 earnings surpassed analyst estimates, driven by strong U.S. performance in financial services and emerging verticals. Management attributed success to streamlined strategies and product innovation. The article highlights key analyst questions and management's responses regarding future outlook, competitive differentiation, mortgage revenue, consumer lending growth, and margin trajectory, alongside a look at upcoming catalysts.
TransUnion 2026 Originations Forecast Shows Continued Positive Momentum Amidst Moderate Expansion
TransUnion's 2026 credit originations forecast predicts continued positive momentum, particularly for mortgages and unsecured personal loans, while other credit products show mixed performance. This growth follows an expansion in consumer lending at the end of 2025. The forecast suggests a normalization in the broader credit landscape with slower growth rates than in 2025, but continued strong consumer demand.
TransUnion Releases 2026 Credit Originations Forecast, Highlighting Growth in Mortgages and Unsecured Personal Loans
TransUnion forecasts moderate growth in mortgage and unsecured personal loan originations for 2026, driven by continued consumer demand despite mixed performance in other credit products like auto loans and credit cards. The report indicates a normalization of the lending landscape with lenders adopting cautious growth strategies, while consumer delinquencies show a slight increase, though recent loans are performing better. Mortgage originations are expected to rebound, and unsecured personal loans are projected for a third consecutive year of growth, signaling ongoing consumer confidence.
US Unsecured Loans Hit A Record As Subprime Borrowing Grows
Finimize reports that US unsecured personal loans reached a record high of $276 billion in 2025, driven by increased borrowing from subprime consumers. While falling interest rates spurred some debt consolidation, rising delinquencies are expected to lead to tighter lending standards and slower credit growth in 2026. This trend highlights a rotation in household debt rather than a spending spree, with forecasts suggesting improvement in housing credit and a decline in auto credit.
TransUnion sees mortgage market normalizing
TransUnion forecasts a normalization of the mortgage market in 2026, with an expected increase in originations for both purchases and refinances. While delinquencies have risen, they remain below pre-pandemic levels, leading TransUnion to maintain a positive outlook, citing easing mortgage rates and increased housing supply. The report also highlights a significant rise in home-equity originations, driven by Generation X and Baby Boomers, and points to homeowners leveraging equity due to inflation.
Credit Attitudes Shift Nationwide as TransUnion’s 2025 Credit Perception Index Reveals Growing Knowledge and Trust Beyond the Capital
TransUnion's 2025 Credit Perception Index indicates a significant shift in credit attitudes across the Philippines, with credit perception scores for Filipinos outside the capital matching those within, driven by improved product knowledge and trust. While traditional credit tools remain prominent in the capital, mobile loan apps and microloan providers are gaining traction elsewhere. A strong demand for financial education and digital financial products is noted outside the capital, prompting initiatives like TransUnion's partnership with Bangko Sentral ng Pilipinas for credit education.
US Consumer Interest In Insurance Services Bucked Year-End Slump, Remaining Elevated In Q4 2025 : TransUnion
TransUnion's latest report indicates that consumer interest in insurance shopping, particularly for auto and property coverage, remained elevated in Q4 2025, bucking the traditional year-end slowdown. This sustained activity is attributed to economic pressures, increased competitive pricing by insurers, and the ease of digital comparison tools. While most consumers limited their search to one or two insurers, demographic and geographic factors influenced shopping intensity.
TransUnion to move New York City offices
TransUnion, the global information company, is relocating its New York City offices from 100 Park Avenue to the sixth floor of 1155 Avenue of the Americas. The new location is a newly renovated Midtown tower and will provide a fully furnished suite for the company. This move is detailed in an article by the New York Business Journal.
TransUnion Africa Appoints Michael Rogers as Chief Product Officer to Accelerate Client-Centric Innovation
TransUnion Africa has appointed Michael Rogers as Vice President and Chief Product Officer, effective January 15, 2026. Rogers brings extensive experience from Mastercard and Tarsus Technology Solutions, focusing on digital transformation and product innovation across African markets. In his new role, he will lead TransUnion Africa's product strategy, aiming to enhance credit and risk offerings, leverage alternative data, and expand fraud and analytics capabilities.
News | TransUnion to relocate New York office
TransUnion, a major consumer credit reporting agency, is relocating its New York office to 1155 Avenue of the Americas, signing a lease for the entire 30,140-square-foot sixth floor. The move is to a "DurstReady" suite provided by landlord The Durst Organization, which has recently completed a $130 million overhaul of the 42-story office tower. This relocation highlights the demand for move-in ready office spaces in New York and TransUnion's continued growth beyond traditional credit reporting.
Insurance shopping routine for consumers: TransUnion
TransUnion's latest report indicates that insurance shopping has become a routine behavior for consumers, with steadily increasing shopping rates over three years. Despite a typical decline in Q4, 2025 saw an 11% rise in auto insurance shopping and a 5% increase in property insurance shopping compared to the previous year. This trend is attributed to evolving technology and the increased availability of risk-based data, which has facilitated an expanded digital marketplace and empowers consumers to compare multiple competitive offers.
Goldman Sachs Lowers TransUnion (TRU) Price Target to $80, Maint
Goldman Sachs has lowered its price target for TransUnion (TRU) to $80 from $92 but maintained a Neutral rating. This adjustment follows similar reductions from other analysts, though the average brokerage recommendation for TRU remains "Outperform" based on 21 firms. TransUnion is a major credit bureau, and despite the lowered price targets, analysts project a potential upside from its current price.
TransUnion’s Julie Clark: AI Moves From Technology Talk To ‘Outcomes Era’
Julie Clark, SVP, Diversified Markets, Media & Entertainment at TransUnion, discusses the shift of AI from theoretical discussions to practical outcomes, emphasizing the critical role of strong data foundations. She highlights the need for robust identity systems to prevent "garbage-in, garbage-out" scenarios and advocates for scrutinizing first and third-party data to achieve effective AI-powered marketing and measurement. Clark also stresses the importance of connecting consumer touchpoints for quality cross-platform measurement and balancing scale and precision using AI-powered modeling.
BofA upgrades TransUnion stock rating on growth visibility
BofA Securities upgraded TransUnion shares to Neutral from Underperform and raised its price target to $83 from $80. The upgrade is based on clearer visibility into multi-year growth drivers in International markets, emerging Verticals, and cloud transformation initiatives, with an upcoming investor day potentially serving as a catalyst for further clarity on margin expansion. This follows TransUnion's strong Q4 2025 earnings, though some analysts have revised price targets due to FICO pass-through costs.
BofA Upgrades TransUnion to Neutral From Underperform, Price Target is $83
BofA Securities has upgraded TransUnion (NYSE: TRU) to Neutral from Underperform, setting a new price target of $83. This upgrade comes as TransUnion provides its earnings guidance for Q1 2026 and the full year 2026, alongside reporting its Q4 and full-year 2025 earnings. The company also announced a quarterly dividend increase to $0.125 a share.
TransUnion (TRU) Receives Neutral Rating from BofA with $83 Target
Bank of America has initiated coverage on TransUnion (TRU), assigning it a Neutral rating with an $83 price target. TransUnion, a major credit bureau, shows consistent revenue growth and a stable financial position despite some insider selling and a gray-area Altman Z-Score. The valuation suggests potential undervaluation, and its high Piotroski F-Score indicates strong financial health, though sector risks and high beta are noted.
32,839 Shares in TransUnion $TRU Bought by Coronation Fund Managers Ltd.
Coronation Fund Managers Ltd. acquired 32,839 shares of TransUnion ($TRU) worth $2.75 million in Q3, marking a new stake in the company. TransUnion exceeded Q4 estimates, raising its dividend and issuing optimistic FY2026 guidance, yet several analysts have cut price targets and insiders have sold shares recently. The article also details other institutional ownership changes, insider sales, and analyst ratings, presenting a mixed outlook for the stock.
Assetmark Inc. Boosts Stock Holdings in TransUnion $TRU
Assetmark Inc. increased its stake in TransUnion (NYSE:TRU) by 8.1% in Q3, now owning 274,982 shares worth $23 million. TransUnion reported strong Q4 results, beating revenue and EPS estimates, and raised its quarterly dividend while providing optimistic FY2026 guidance. Despite some analysts cutting price targets due to cautious outlooks, the stock maintains a consensus "Moderate Buy" rating with an average target price of $95.
Assessing TransUnion (TRU) Valuation After Recent Share Price Volatility
TransUnion (TRU) has shown recent share price volatility with a 4.4% daily gain but a 14.3% monthly decline. Despite this, a valuation model suggests TRU is 29.8% undervalued at $73.92, with a narrative fair value of $105.25, driven by expansion in high-margin identity/fraud solutions. However, its P/E ratio of 31.2x is above its industry average, indicating potential sensitivity to earnings performance.
Rhumbline Advisers Purchases 318,593 Shares of TransUnion $TRU
Rhumbline Advisers significantly increased its stake in TransUnion by 145.9%, purchasing 318,593 shares to own a total of 537,014 shares valued at $44.99 million. This increase follows TransUnion's strong Q4 earnings, which beat estimates, and a raised quarterly dividend. Despite some analysts lowering price targets, the stock saw a 4.3% increase on the news, maintaining a "Moderate Buy" consensus rating with a $95 target.
Pure Storage, QuinStreet, TransUnion, Napco, and CECO Environmental Shares Are Soaring, What You Need To Know
Shares of Pure Storage, QuinStreet, TransUnion, Napco, and CECO Environmental surged following a softer-than-anticipated Consumer Price Index (CPI) report, which boosted investor optimism for Federal Reserve interest rate cuts. Prices rose 0.2% from December to January, below the 0.3% forecast, and annual inflation moderated to 2.4%, under the expected 2.5%. This news led to a rally, particularly impacting smaller companies like those in the Russell 2000 index, as lower interest rates reduce borrowing costs and stimulate economic activity.
TransUnion (NYSE:TRU) Releases Earnings Results, Beats Expectations By $0.04 EPS
TransUnion (NYSE:TRU) reported strong Q4 results, surpassing analyst expectations with $1.07 EPS (vs. $1.03 est.) and $1.17 billion in revenue, a 13% year-over-year increase. The company provided optimistic FY 2026 guidance, expecting 8-9% organic revenue growth and 8-10% adjusted diluted EPS growth, alongside aggressive shareholder returns through share repurchases and a dividend increase. Despite strong performance and a completed multi-year transformation, some analysts have lowered price targets, reflecting caution around near-term upside.
Barclays Lowers TransUnion (TRU) Price Target to $80 | TRU Stock News
Barclays has lowered its price target for TransUnion (TRU) to $80 from $95, while maintaining an "Equal-Weight" rating. This adjustment follows several other recent analyst revisions to TRU's outlook and price targets. Despite the lowered target, the average analyst target price of $96.68 still implies a 30.20% upside from the current price.
TransUnion Analysts Slash Their Forecasts After Q4 Results
TransUnion reported Q4 earnings and revenue that exceeded analyst estimates, with strong performance driven by U.S. Markets, Financial Services, and Emerging Verticals. Despite the upbeat results, several analysts, including those from Needham, Wells Fargo, and Stifel, lowered their price targets for TransUnion, although maintaining "Buy" or "Overweight" ratings. The company provided FY2026 adjusted EPS and sales guidance, with EPS guidance falling slightly below market estimates.
Needham lowers TransUnion stock price target on mixed FY26 guidance
Needham has lowered its price target for TransUnion (NYSE:TRU) to $95.00 from $115.00, while maintaining a Buy rating. This adjustment follows mixed fiscal year 2026 guidance, attributed to overly optimistic market expectations for mortgage volumes and a slower economic recovery in India, despite the company exceeding Q4 2025 revenue and earnings estimates. TransUnion's stock currently trades at $71.58, with analysts broadly positive and expecting strong cash flow conversion.
TransUnion (NYSE:TRU) Price Target Cut to $90.00 by Analysts at Wells Fargo & Company
Wells Fargo & Company analysts have cut their price target for TransUnion (NYSE:TRU) from $100.00 to $90.00 while maintaining an "overweight" rating. This adjustment comes despite TransUnion reporting a strong fourth quarter, beating earnings and revenue estimates and raising its quarterly dividend. The article also details other analyst ratings, recent insider stock sales, and institutional investment activities concerning TRU.
TransUnion (NYSE:TRU) Q4 2025 earnings call transcript
This document is an earnings call transcript for TransUnion's Q4 2025 performance. It provides detailed financial discussions, insights, and strategic outlook from the company's management. The transcript is a key resource for investors and analysts to understand TransUnion's recent results and future plans.
TransUnion (TRU) Margin Jump To 9.5% Challenges Earnings Skeptics
TransUnion (TRU) recently reported strong FY 2025 Q3 results, including a significant jump in net margin from 5.5% to 9.5% and an 87.5% year-over-year earnings increase, indicating growing traction for its higher-margin analytics and fraud products. Despite a premium P/E ratio compared to peers and concerns about debt coverage, the company's DCF fair value and analyst price targets suggest potential upside, although some skepticism remains about the long-term consistency of its margin profile. The company's revenue growth aligns with increased demand for predictive data and compliance solutions, especially as it expands into new international markets.
TransUnion (NYSE:TRU) Announces Quarterly Dividend of $0.13
TransUnion (NYSE:TRU) has declared a quarterly dividend of $0.125 per share, an 8.7% increase from its previous dividend, making its annualized payout $0.46 with a yield of about 0.7%. The dividend is well-covered by earnings, with a payout ratio of approximately 9.7%. The article also notes recent insider stock sales and institutional investor activity, alongside the company's financial metrics and business description.
TransUnion Announces Strong Fourth Quarter and Full-Year 2025 Results
TransUnion reported strong financial results for the fourth quarter and full-year 2025, exceeding revenue, Adjusted EBITDA, and Adjusted Diluted Earnings Per Share guidance. The company achieved 13% revenue growth, or 12% organic constant currency, year-over-year, and drove significant growth in U.S. Financial Services and Emerging Verticals. TransUnion also raised its quarterly dividend and provided optimistic financial guidance for 2026, anticipating 8-9% revenue growth and 8-10% Adjusted Diluted EPS growth.
TransUnion: Q4 Earnings Snapshot
TransUnion (TRU) reported strong fourth-quarter results, with net income of $101.2 million, or 52 cents per share, which adjusted to $1.07 per share, beating analyst expectations. The credit reporting company also exceeded revenue forecasts, posting $1.17 billion. Looking ahead, TransUnion provided optimistic guidance for the upcoming quarter and the full fiscal year.
Is TransUnion’s Q4 Earnings Beat Good Enough to Trigger a Rebound?
TransUnion (TRU) exceeded Q4 expectations with $1.17 billion in revenue and $1.07 EPS, driven by strong performance in U.S. Markets, particularly Financial Services and Emerging Verticals. Despite international headwinds in India and Asia Pacific, the company announced share repurchases, a dividend increase, and provided an optimistic 2026 outlook.
TransUnion's (NYSE:TRU) Q4 CY2025 Sales Top Estimates
TransUnion reported better-than-expected revenue and adjusted EPS for Q4 CY2025, with sales up 13% year-on-year to $1.17 billion. While revenue guidance for the next quarter also topped estimates, the company's full-year 2026 EPS and EBITDA guidance fell short of analyst expectations, leading to a flat stock performance immediately after the announcement. The report highlighted strong long-term revenue growth but raised questions about the company's operating margin trends.
TransUnion Signs Credit Agreement Amendment With Deutsche Bank New York Branch
TransUnion has amended its existing Credit Agreement to secure an additional $400 million in revolving credit commitments, bringing the total to $1.0 billion. This amendment, signed with Deutsche Bank New York Branch and other lenders on February 11, 2026, aims to enhance the company's liquidity and financial flexibility. The facility remains guaranteed by certain subsidiaries and secured by first-priority liens with customary covenants.
TransUnion: Q4 Earnings Snapshot
TransUnion (TRU) reported fourth-quarter net income of $101.2 million, or 52 cents per share. Adjusted earnings of $1.07 per share surpassed Wall Street estimates of $1.03 per share. The company's revenue of $1.17 billion also exceeded forecasts, and TransUnion provided an optimistic outlook for its upcoming fiscal quarters and full year.
State of Michigan Retirement System Buys New Shares in TransUnion $TRU
The State of Michigan Retirement System has acquired new shares in TransUnion (NYSE:TRU), purchasing 46,400 shares valued at approximately $3.89 million in the third quarter. This investment comes despite recent insider selling activity, with company insiders offloading 7,818 shares in the last 90 days. Analysts currently rate TransUnion as a "Moderate Buy" with a consensus price target of $101.08.
Earnings To Watch: TransUnion (TRU) Reports Q4 Results Tomorrow
TransUnion (TRU) is set to report its Q4 results tomorrow before market open. Analysts expect revenue to grow 9.3% year-on-year to $1.13 billion and adjusted earnings of $1.03 per share. The company has a history of exceeding revenue estimates, though its stock performance has lagged peers in the data & business process services segment recently.
TransUnion Earnings Report Q4 2025: Revenue Forecast & Analyst Expectations - News and Statistics
TransUnion (TRU) is expected to report its Q4 2025 earnings this Thursday, with analysts forecasting revenue of $1.13 billion, representing a 9.3% year-on-year increase, and adjusted earnings of $1.03 per share. The company has a history of exceeding revenue estimates, although its shares have recently underperformed, declining 12.8% over the last month. The average analyst price target for TransUnion is $105.25, significantly higher than its current share price of $74.23.
Earnings To Watch: TransUnion (TRU) Reports Q4 Results Tomorrow
TransUnion (TRU) is set to report its Q4 earnings tomorrow, February 13th. Analysts expect revenue to grow 9.3% year-on-year to $1.13 billion and adjusted earnings to be $1.03 per share. The company has a strong record of beating revenue estimates, and its peers in the data and business process services segment have shown mixed results.
TransUnion Reports Steady Increase in Insurance Shopping Rates, Revealing New Consumer Behavior Trends
TransUnion's latest report indicates a steady increase in insurance shopping rates, with auto insurance shopping up 11% and property insurance up 5% in Q4 2025 compared to the previous year. This trend is driven by economic pressures leading consumers to seek lower household expenses and insurers investing in marketing. Despite the increase in shopping, the report highlights low shopping intensity, with most consumers comparing only one or two insurers, suggesting opportunities for insurers to improve customer engagement and retention through proactive communication and personalized offerings.
Insurance Shopping Bucked Traditional Year-End Slump, Remaining Elevated in Q4 2025
TransUnion's latest report indicates that insurance shopping has become a routine activity for consumers, with elevated rates continuing through Q4 2025, a period that traditionally sees a decline. Auto insurance shopping rose 11% and property insurance shopping increased 5% compared to Q4 2024. The report attributes this trend to economic pressures, insurer marketing, and easy online shopping tools, transforming the insurance landscape and highlighting opportunities for insurers to focus on acquisition and retention strategies.
What’s the best way to handle the vehicle affordability issue? Auto finance leaders weigh in
Auto finance leaders are discussing strategies to address the ongoing vehicle affordability crisis. Satyan Merchant of TransUnion emphasizes the need for lenders to leverage advanced tools and data to better understand their customers. The article highlights this key point in the broader conversation about making vehicles more accessible for buyers.
Diamond Hill Capital Management Inc. Boosts Stock Holdings in TransUnion $TRU
Diamond Hill Capital Management Inc. increased its stake in TransUnion (NYSE:TRU) by 7.8% in the third quarter of the previous year, now holding shares valued at $28.65 million. Despite this institutional buying, company insiders have recently been net sellers. Analysts currently maintain a "Moderate Buy" consensus rating for TransUnion with a target price of $101.08.
Allianz Asset Management GmbH Buys 109,662 Shares of TransUnion $TRU
Allianz Asset Management GmbH significantly increased its stake in TransUnion (NYSE:TRU) by 202.1% in the third quarter, acquiring an additional 109,662 shares to hold a total of 163,911 shares, valued at approximately $13.73 million. While institutional ownership increased, company insiders have been net sellers in the last 90 days, offloading 7,818 shares worth $663,883. Despite insider selling, Wall Street analysts maintain a "Moderate Buy" consensus rating for TransUnion with an average price target of $101.08.
