TransUnion (TRU) Options Positioning, Max Pain & Unusual Sweeps

Per the Roarable RQD rating, TransUnion scores 64 out of 100 (grade C, "Roarable Hold — Fair / Balanced Risk-Reward"). The five pillars are:

• Fundamental Cash Engine: 13 / 20. The source cites ROIC of 8% and an FCF yield of 4.6%. This pillar is moderate: returns on capital are positive but not exceptional, and cash generation relative to the market value is respectable rather than compelling.
• Whale 13F Flow: 12 / 20. Institutional accumulation and options positioning are described only as a category; the underlying holder detail is not provided in source data. The score is below midpoint, indicating limited evidence of strong institutional conviction.
• Insider Conviction: 14 / 20. Per the RQD rating, the score reflects SEC Form 4 and Congressional PTR cluster flow. This is the strongest pillar in relative terms, but the underlying trade records are not included in the source data.
• Macro Regime Fit: 10 / 20. The source lists beta of 0.89 and sector sensitivity. The beta sits below 1.0, suggesting somewhat lower market-level volatility than the broad market, but this pillar is the weakest and signals that the current macro backdrop is not a strong tailwind.
• Forensic Balance Sheet: 15 / 20. Altman Z of 2.5, Piotroski F of 8/9, and Debt/Equity of 0.5 are the highest-quality readings in the framework, indicating a financially sound balance sheet.

For a prospective investor evaluating the stock today, the rating points to a balanced setup rather than a clear directional call. The upside case rests on the balance sheet strength and insider signal; the valuation tradeoff is that P/E (TTM) of 31.6 and EV/EBITDA of 16.3 are elevated against a 4.6% FCF yield, and the macro-fit pillar is the weakest link. The score is a framework output, not personalized advice.

TransUnion is a NYSE-listed issuer classified under the Financials sector and the Finance: Consumer Services industry. The source data does not describe its products, customer base, or revenue model beyond the sector and industry classification. The company's market capitalization is $14.4B per the profile section. Specific details on how the business generates revenue are not available in source data.

Revenue and operating income rose across the three reported periods, and net income moved from a loss of $-206.2M in FY 2023 to $455.4M in FY 2025. Per the market data section, operating margin is 18.7% and net margin is 10%, while ROIC is 8%. The source data lists an Altman Z-Score of 2.5 and a Piotroski F-Score of 8/9 within the forensic balance sheet pillar, and Debt/Equity of 0.5. Debt declined from $5076.6M in FY 2024 to $4906.9M in FY 2025, while cash rose to $853.6M. The FY 2023 debt figure ($1852.8M) is not directly comparable to later periods in the source and is reported as given.

Per the recent news and catalysts section, the feed contains six items for TRU:

• Positive catalysts (GREEN): A report that the 12-month price target was raised to $93.71, implying 49% upside; a partnership with Bankrate and a marketing award; and a GuruFocus report of a 7.0% share price surge with a GF Score of 91.
• Market wire items (YELLOW): A Yahoo Finance report on Q3 earnings meeting margin doubts, a company release announcing strong third-quarter 2026 results, and a Seeking Alpha report of an 11% rally amid broad credit-reporting strength.

The mixed signal set pairs a strong company-reported quarter with a market narrative questioning margins, a tension a careful reader should note. The source data does not include a risk watch list or proprietary signals beyond these headlines. Per the Butterfly supply-chain graph, no proprietary signals are present.

Per the Butterfly Supply-Chain Graph, the supply chain is recorded as NONE, with no butterfly links and no proprietary signals. Upstream and downstream dependencies are therefore not available in source data. Sector correlations and second-order bottlenecks cannot be established from the provided material. The only ripple-relevant context in the source is the sector sensitivity referenced in the macro-fit pillar, which is not quantified.

• What are the specific margin pressures behind the Q3 earnings doubts, and how do they reconcile with the strong third-quarter results the company reported?
• Which institutional holders and options positions drive the whale 13F flow score, and what is their direction of change?
• What are the specific SEC Form 4 and Congressional PTR trades behind the insider conviction score?
• Why are the FY 2023 cash and EPS figures unavailable, and how comparable is the FY 2023 debt figure to later periods?
• How does sector sensitivity affect the Macro Regime Fit pillar, and what macro conditions drive the weak 10/20 reading?