TRU (TransUnion) Moat Score: 7/10 (As of Jul. 03, 2026)


TRU TransUnion TRU
89 GF Score
Price $78.31
GF Value $96.66
Valuation Modestly Undervalued
! 5 Warning Signs
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What is TransUnion Moat Score?

TransUnion TRU +5.16% 89 Moat Score is 7 as of Jul. 03, 2026. GuruFocus rates TRU with a GF Score™ of 89/100 and a GF Value™ of $96.66 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 841 Capital Markets companies, TransUnion ranks better than 98.69% on this metric.

TransUnion has the Moat Score of 7, which implies that the company might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

TransUnion has Wide Moat: TransUnion has a wide moat due to its strong market position, significant customer switching costs, and valuable data assets. Its established brand and regulatory barriers further solidify its durable competitive advantages.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes TransUnion might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

TransUnion  (NYSE:TRU) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

TransUnion Moat Score Related Terms

TRU vs FDS, MORN, CBOE: Moat Score Comparison

For the Financial Data & Stock Exchanges subindustry, TransUnion's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

TransUnion Moat Score vs Capital Markets Industry

For the Capital Markets industry and Financial Services sector, TransUnion's Moat Score distribution charts can be found below:

* The bar in red indicates where TransUnion's Moat Score falls into.


TRU
89GF Score
TransUnion TRU
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 7 mean?
TransUnion (TRU) has a Moat Score of 7 as of Jul. 03, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, TransUnion ranks #11 out of 841 companies in the Capital Markets industry, placing it in the top 1.3%.
Is TransUnion's Moat Score too high?
TransUnion's current Moat Score is 7. Based on the distribution chart, TransUnion ranks #11 out of 841 companies in the Capital Markets industry, which is in the top quartile — a strong position relative to peers. Overall, TransUnion has a GF Score™ of 89/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does TransUnion's Moat Score compare to FDS and MORN?
According to the Capital Markets industry distribution chart, TransUnion ranks #11 out of 841 companies for Moat Score. This places TransUnion in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Capital Markets company?
A good Moat Score depends on the Capital Markets industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. TransUnion's current Moat Score is 7. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is TransUnion stock overvalued right now?
Based on GuruFocus' analysis, TransUnion (TRU) is currently considered Modestly Undervalued. The stock's GF Value™ is $96.66, compared to a current price of $78.31 — trading 19% below its estimated fair value. The current Moat Score is 7. TransUnion's overall GF Score™ is 89/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For TransUnion (TRU), the current Moat Score is 7 as of Jul. 03, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is TransUnion (TRU) Overvalued in 2026?

Based on GuruFocus' analysis, TransUnion stock appears to be undervalued. The current stock price of $78.31 is trading 19% below its estimated GF Value™ of $96.66. GuruFocus considers TransUnion to be Modestly Undervalued.

Key valuation signals for TRU:

  • Moat Score: 7
  • GF Value™: $96.66 vs. price of $78.31 (19% below fair value)
  • GF Score™: 89/100 with 5 warning signs

No single metric tells the full story. See the TRU stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

TransUnion Business Description

Other Exchanges 1TU:Germany
Address 555 West Adams Street, Chicago, IL, USA, 60661
TransUnion, along with Equifax and Experian, is one of the three leading credit bureaus in the United States, providing the consumer information that is the basis for granting credit. The company also provides fraud detection, marketing, and analytical services. TransUnion operates in over 30 countries. About 20%-25% of its revenue comes from international markets.
89GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$78.31
Price
$96.66
GF Value