TransUnion Shares: A Look at Steady Performance and Strategic Moves

Analysts and investors are assessing TransUnion's position following its latest credit market forecast and recent business developments. The company's projections for 2026, coupled with its expansion into complementary services, paint a picture of a firm navigating a stable, if unspectacular, economic landscape.

Alongside its core credit reporting business, TransUnion is actively enhancing its portfolio in two key areas. The company has announced significant upgrades to its Next-Generation Device Risk Solution. This fraud prevention tool now incorporates advanced machine learning algorithms and dynamic rules, which are projected to improve digital fraud detection rates by as much as 50%.

In a separate strategic move, TransUnion has deepened a partnership focused on advertising measurement. Teaming up with Horizon Media and Nielsen, the initiative aims to integrate sophisticated audience-matching capabilities. The goal for clients is twofold: to achieve more efficient media investment and to gain clearer insights into their return on investment.

The 2026 Consumer Credit Forecast

The centerpiece of TransUnion's recent communications is its Consumer Credit Forecast for 2026. The outlook suggests a period of cautious stability for U.S. borrowers. Total credit card debt is expected to see minimal growth, rising just 2.3% to approximately $1.18 trillion by the end of 2026. This would mark the smallest increase in over a decade, excluding the anomalous pandemic year of 2020.

Should investors sell immediately? Or is it worth buying TransUnion?

Despite persistent inflation and a modestly rising unemployment rate, serious credit card delinquency rates—defined as payments overdue by 90 days or more—are projected to hold nearly steady at 2.57%. For other credit products, TransUnion anticipates moderate increases in delinquency figures. Auto loan delinquencies are forecast to rise to 1.54%, while mortgage delinquencies are expected to reach 1.65%. This overall trend indicates a relaxed credit environment that is not currently a cause for alarm. Expected interest rate cuts from the U.S. Federal Reserve in the coming year could provide further relief to consumer borrowing costs.

Financial Performance and Market Perspective

TransUnion's most recent financial results, covering the third quarter of 2025, demonstrated solid performance. The company reported revenue of $1.17 billion, a 7.8% year-over-year increase that surpassed analyst expectations.

The equity continues to receive favorable coverage from most market researchers. According to various data aggregators, the consolidated average price target for TransUnion stock falls between $104 and $107. With shares recently trading around $86, this implies a significant potential upside from the analysts' viewpoint. The next major milestone for investors will be the release of Q4 2025 results, which are scheduled for February 2026.