TransUnion (TRU): Vulcan Value Partners Journey from Observation to Investment

2 hours ago 1

Soumya Eswaran

Fri, January 23, 2026 astatine 7:47 AM CST 4 min read

Investment absorption company Vulcan Value Partners recently released its fourth-quarter 2025 capitalist letter. A transcript of the missive tin beryllium downloaded here. All the strategies of Vulcan Value Partners delivered affirmative results successful the year. The Large Cap Composite (Net) returned -1.5% successful Q4 and 7.9% YTD, the Small Cap Composite (Net) gained 3.2% successful Q4 and 9.5% YTD, The Focus Composite (Net) retuned 0.1% successful Q4 and 7.1% YTD, Focus Plus Composite (Net) returned 0.1% successful Q4 and 6.2% YTD and the All-Cap Composite (Net) returned 1.3% successful Q4 and 10.7% YTD. Despite overvalued markets, the steadfast improved its price-to-value ratios portion inactive achieving affirmative returns, prioritizing information and semipermanent gains implicit short-term performance. This concern echoes the precocious 1990s dot-com bubble, wherever hype and precocious valuations led to a crash, and today’s AI disruptions look to reflector that pattern, with investors risking overpaying for promising businesses. The steadfast is addressing specified situations by sticking to its concern discipline. For much accusation connected the firm’s champion picks successful 2025, delight cheque its apical 5 holdings. In addition, delight cheque the firm’s apical 5 holdings to cognize its champion picks successful 2025.

In its fourth-quarter 2025 capitalist letter, Vulcan Value Partners highlighted stocks similar TransUnion (NYSE:TRU). Vulcan Value Partners added TransUnion (NYSE:TRU) to its Large Cap and All Cap strategies during the quarter. Headquartered successful Chicago, Illinois, TransUnion (NYSE:TRU) is simply a starring user recognition reporting agency. TransUnion (NYSE:TRU) shares traded betwixt $66.38 and $101.19 implicit the past 52 weeks. On January 22, 2026, TransUnion (NYSE:TRU) banal closed astatine $85.80 per share. One-month instrumentality of TransUnion (NYSE:TRU) was -1.77%, and its shares gained 0.23% of their worth implicit the past 3 months. TransUnion (NYSE:TRU) has a marketplace capitalization of $16.714 billion.

Vulcan Value Partners stated the pursuing regarding TransUnion (NYSE:TRU) successful its 4th fourth 2025 capitalist letter:

"TransUnion (NYSE:TRU) is 1 of the 3 starring recognition bureaus successful the U.S. They cod user borrowing and outgo information from implicit 95,000 fiscal institutions and make a recognition study and recognition score, which is past sold to lenders, security companies, landlords, and others. TransUnion has besides been diversifying beyond conscionable recognition reports and recognition scores. Their user concern includes escaped and subscription-based tools that alteration consumers to negociate their idiosyncratic finances and store for fiscal products, including loans and insurance. Lenders, security companies, and different fiscal services companies past acquisition leads from TransUnion to people those consumers. TransUnion besides has different concern lines that utilize its existing user data, including insurance, marketing, fraud detection, individuality verification, and tenant screening. TransUnion historically has grown organically successful the precocious azygous digits with an charismatic 30% operating margin, generating precocious returns. They run successful an oligopoly manufacture and vie with the likes of Experian and Equifax, which are besides MVP businesses. They person monolithic information sets utilizing some nationalist and proprietary data. Their customers embed TransUnion’s products into their ain workflows. TransUnion has besides been successfully deleveraging its equilibrium expanse and is present placing a overmuch greater accent connected stock buybacks. We person followed this concern for galore years and are blessed to ain it."