TRU — TransUnion

Summary

Table of Contents

Company

Data:

{
  "symbol": "TRU",
  "price": 85.56,
  "marketCap": 16393295532,
  "beta": 1.53,
  "lastDividend": 0.49,
  "range": "63.37-95.505",
  "change": 0.89,
  "changePercentage": 1.05114,
  "volume": 68800,
  "averageVolume": 2295298,
  "companyName": "TransUnion",
  "currency": "USD",
  "cik": "0001552033",
  "isin": "US89400J1079",
  "cusip": "89400J107",
  "exchangeFullName": "New York Stock Exchange",
  "exchange": "NYSE",
  "industry": "Financial - Data & Stock Exchanges",
  "website": "https://www.transunion.com",
  "description": "TransUnion operates as a global consumer credit reporting agency that provides risk and information solutions. The company operates in two segments, U.S. Markets and International. The U.S. Markets segment provides credit reporting, credit marketing, analytics and consulting, identity verification, and authentication and debt recovery solutions for financial services industry; and onboarding and transaction processing products, scoring and analytic products, marketing solutions, fraud and identity management solutions, and customer retention solutions, as well select market-specific solutions for insurance, technology, retail and e-commerce, telecommunications, media, tenant and employment screening, collections, and public sectors. It also offers credit reports, scores, and freezes credit monitoring, identity protection and resolution, and financial management for consumers, as well as helps businesses respond to data breach events through its own websites, as well as channels. The International segment offers credit reports, analytics, technology solutions, and other value-added risk management services; consumer services, which helps consumers to manage their personal finances; credit bureaus; and consumer and business credit reporting, insurance and auto information solutions, and commercial credit information services. This segment serves customers in financial services, retail credit, insurance, automotive, collections, public sector, and communications industries through direct and indirect channels. The company was formerly known as TransUnion Holding Company, Inc. and changed its name to TransUnion in March 2015. TransUnion was founded in 1968 and is headquartered in Chicago, Illinois.",
  "ceo": "Christopher A. Cartwright",
  "sector": "Financial Services",
  "country": "US",
  "fullTimeEmployees": "13500",
  "phone": "312 985 2000",
  "address": "555 West Adams",
  "city": "Chicago",
  "state": "IL",
  "zip": "60661",
  "image": "https://images.financialmodelingprep.com/symbol/TRU.png",
  "ipoDate": "2015-06-25",
  "defaultImage": false,
  "isEtf": false,
  "isActivelyTrading": true,
  "isAdr": false,
  "isFund": false
}

Price / Quote

Data:

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  "name": "TransUnion",
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  "changePercentage": 1.05114,
  "change": 0.89,
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  "dayLow": 84.42,
  "dayHigh": 85.57,
  "yearHigh": 95.505,
  "yearLow": 63.37,
  "marketCap": 16393295532,
  "priceAvg50": 77.4774,
  "priceAvg200": 76.52015,
  "exchange": "NYSE",
  "open": 85,
  "previousClose": 84.67,
  "timestamp": 1787926746,
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    "streak_days": 1
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}

Volume

Data:

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  "volume": 68800,
  "avgVolume": 2295298,
  "short_ratio": [
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      "file_date": "2026-08-27",
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      "short_exempt_volume": 34,
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      "short_volume_ratio": 0.5493,
      "signal": "Neutral"
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  ],
  "volume_profile": {
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    ],
    "sessions": 20
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}

Fundamentals

Data:

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  "symbol": "TRU",
  "marketCap": 16393295532,
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  "currentRatioTTM": 1.9003577349271443,
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        "netStockIssuance": -279500000,
        "netCommonStockIssuance": -279500000,
        "commonStockIssuance": 22500000,
        "commonStockRepurchased": -302000000,
        "netPreferredStockIssuance": 0,
        "netDividendsPaid": -90500000,
        "commonDividendsPaid": -90500000,
        "preferredDividendsPaid": 0,
        "otherFinancingActivities": -46100000,
        "netCashProvidedByFinancingActivities": -494600000,
        "effectOfForexChangesOnCash": 12800000,
        "netChangeInCash": 174100000,
        "cashAtEndOfPeriod": 853600000,
        "cashAtBeginningOfPeriod": 679500000,
        "operatingCashFlow": 987600000,
        "capitalExpenditure": -326000000,
        "freeCashFlow": 661600000,
        "incomeTaxesPaid": 0,
        "interestPaid": 0
      }
    ]
  }
}

Technical

Data:

{
  "price": 85.56,
  "rsi": 63.5447529993799,
  "sma20": 81.8745,
  "sma50": 77.89980000000006,
  "sma200": 76.54554999999986,
  "adx": 28.59791317045507,
  "atr": 2.27,
  "atr_pct": 2.65,
  "atr_expansion_pct": -34.1,
  "di_plus": 29.6,
  "di_minus": 6.3,
  "high_52w": 93.71,
  "low_52w": 64.43,
  "structure": {
    "ema8": 84.21280538361094,
    "ema21": 82.12840168144403,
    "ema50": 78.8715784754549,
    "ema200": 77.38767638651832,
    "ema10": 83.84111459961912,
    "ema20": 82.26980318913391,
    "ema10_slope_pct": 2.39,
    "ema20_slope_pct": 2.16,
    "trend_dir": "up",
    "checks": {
      "price_above_all": true,
      "ema_stacked": true,
      "ema21_rising": true,
      "ema50_rising": true,
      "adx_over_30": false,
      "higher_highs_lows": true,
      "lower_highs_lows": false,
      "near_21ema": true
    },
    "dist_21ema_pct": 4.2,
    "_no_bars": false,
    "macd": {
      "macd": 2.043,
      "signal": 1.838,
      "histogram": 0.205
    },
    "bollinger": {
      "mid": 81.87,
      "upper": 86.77,
      "lower": 76.98,
      "width_pct": 11.95
    },
    "crossover": {
      "fresh_cross": null,
      "pre_compressed": null,
      "held_above_21": null,
      "candles_since": null,
      "intraday_support": false
    },
    "momentum": {
      "roc10": 6.3,
      "ret_3d": 0.65,
      "ret_5d": 1.12,
      "roc10_accel": 0.58,
      "checks": {
        "roc_over_5": true,
        "rsi_in_band": true,
        "macd_expanding": false,
        "top_quartile_3d": false,
        "no_big_down": true,
        "near_high": true
      },
      "volume": {
        "rvol": 0.04,
        "checks": {
          "rvol_over_2": false,
          "up_vol_beats_down": true,
          "obv_new_high": false,
          "surge_day": false,
          "pullback_declining_vol": false,
          "last_up_beats_down": false
        }
      }
    },
    "relative_strength": {
      "sector": "Financial Services",
      "sector_etf": "XLF",
      "sector_etf_ret10d": -0.65,
      "checks": {
        "beats_spy_all": false,
        "beats_sector_10d": true,
        "rs_line_at_high": true,
        "sector_top3": false
      }
    },
    "commodity": {},
    "universe": {
      "checks": {
        "price_over_20": true,
        "avg_vol_over_2m": true,
        "mcap_over_1b": true,
        "no_earnings_7d": true,
        "not_lev_etf_spac": true,
        "bidask_spread": null,
        "dollar_vol_over_10m": true
      },
      "avg_dollar_vol": 196385696.88,
      "avg_vol": 2295298
    },
    "options": {
      "checks": {
        "call_vol_2x": false,
        "ivr_under_40": true,
        "iv_contracting": false,
        "oi_calls_above_price": false
      },
      "vals": {
        "call_vol_mult": 0.0,
        "iv_rank": 36.0
      }
    }
  }
}

Levels & Bars

Data:

{
  "prior_day": {
    "high": 85.57,
    "low": 84.42,
    "close": 85.57,
    "date": "2026-08-28"
  },
  "woodie_pivots": {
    "PP": 85.28,
    "R1": 86.14,
    "S1": 85.0,
    "R2": 86.43,
    "S2": 84.13
  },
  "swing": {
    "high_20d": 86.37,
    "low_20d": 78.24,
    "high_60d": 86.49,
    "low_60d": 63.37
  },
  "orb": {
    "high": 85.55,
    "low": 84.44,
    "date": "2026-08-28"
  },
  "vwap": 85.07,
  "volume_profile": {
    "poc": 79.29,
    "vah": 84.0,
    "val": 78.3,
    "sessions": 20
  },
  "premarket": {
    "date": "2026-08-25",
    "high": 84,
    "low": 84,
    "last": 84,
    "volume": 151,
    "gap_pct": -1.03,
    "path": "08:10 84.00",
    "bars": 1,
    "last_bar_et": "08:10"
  },
  "recent_daily": [
    {
      "d": "2026-07-27",
      "o": 77.88,
      "h": 78.955,
      "l": 75.23,
      "c": 77.24,
      "v": 4018322.399628
    },
    {
      "d": "2026-07-28",
      "o": 76.9,
      "h": 86.49,
      "l": 76.9,
      "c": 83.8,
      "v": 6007083.575681
    },
    {
      "d": "2026-07-29",
      "o": 84.86,
      "h": 85.505,
      "l": 82.36,
      "c": 83.73,
      "v": 3343494.356966
    },
    {
      "d": "2026-07-30",
      "o": 82,
      "h": 82,
      "l": 78.4,
      "c": 80.26,
      "v": 2205978.701868
    },
    {
      "d": "2026-07-31",
      "o": 78.99,
      "h": 80.12,
      "l": 77.3,
      "c": 78.62,
      "v": 2091332.954961
    },
    {
      "d": "2026-08-03",
      "o": 79.96,
      "h": 82.38,
      "l": 79.125,
      "c": 79.98,
      "v": 1434194.042075
    },
    {
      "d": "2026-08-04",
      "o": 79.24,
      "h": 81.8,
      "l": 79.22,
      "c": 81.72,
      "v": 1747614.439205
    },
    {
      "d": "2026-08-05",
      "o": 82.61,
      "h": 82.765,
      "l": 78.75,
      "c": 79.97,
      "v": 2001379.599472
    },
    {
      "d": "2026-08-06",
      "o": 79.99,
      "h": 80.4,
      "l": 78.24,
      "c": 79.2,
      "v": 1784298.099526
    },
    {
      "d": "2026-08-07",
      "o": 80.64,
      "h": 81.71,
      "l": 79.49,
      "c": 80.02,
      "v": 1720230.702843
    },
    {
      "d": "2026-08-10",
      "o": 79.5,
      "h": 80.17,
      "l": 78.295,
      "c": 79.14,
      "v": 1740004.716011
    },
    {
      "d": "2026-08-11",
      "o": 78.49,
      "h": 80.95,
      "l": 78.29,
      "c": 80.37,
      "v": 1474447.15768
    },
    {
      "d": "2026-08-12",
      "o": 79.49,
      "h": 80.265,
      "l": 78.38,
      "c": 79.44,
      "v": 1866543.815652
    },
    {
      "d": "2026-08-13",
      "o": 79.64,
      "h": 81.76,
      "l": 78.54,
      "c": 81.13,
      "v": 2822363.06942
    },
    {
      "d": "2026-08-14",
      "o": 81.92,
      "h": 81.92,
      "l": 79.54,
      "c": 80.48,
      "v": 1076728.611479
    },
    {
      "d": "2026-08-17",
      "o": 80.39,
      "h": 80.47,
      "l": 78.45,
      "c": 78.7,
      "v": 1324839.01892
    },
    {
      "d": "2026-08-18",
      "o": 79.52,
      "h": 80.51,
      "l": 78.75,
      "c": 79.47,
      "v": 1644502.283341
    },
    {
      "d": "2026-08-19",
      "o": 80.21,
      "h": 84.24,
      "l": 79.62,
      "c": 83.54,
      "v": 1907207.771667
    },
    {
      "d": "2026-08-20",
      "o": 83.24,
      "h": 85.265,
      "l": 82.53,
      "c": 85.11,
      "v": 2001499.693144
    },
    {
      "d": "2026-08-21",
      "o": 85.76,
      "h": 86.37,
      "l": 84.365,
      "c": 84.61,
      "v": 1691781.10594
    },
    {
      "d": "2026-08-24",
      "o": 84.59,
      "h": 85.71,
      "l": 84.055,
      "c": 84.87,
      "v": 1484493.477285
    },
    {
      "d": "2026-08-25",
      "o": 84.4,
      "h": 85.345,
      "l": 83.47,
      "c": 85.01,
      "v": 1422375.530861
    },
    {
      "d": "2026-08-26",
      "o": 84.25,
      "h": 85.266,
      "l": 83.91,
      "c": 84.5,
      "v": 1959240.660122
    },
    {
      "d": "2026-08-27",
      "o": 84.91,
      "h": 86.34,
      "l": 84.21,
      "c": 84.67,
      "v": 1402574.900572
    },
    {
      "d": "2026-08-28",
      "o": 85,
      "h": 85.57,
      "l": 84.42,
      "c": 85.57,
      "v": 68558.789939
    }
  ]
}

Analyst Ratings

Data:

{
  "estimates": [
    {
      "symbol": "TRU",
      "date": "2030-12-31",
      "revenueLow": 6322494229,
      "revenueHigh": 6811715379,
      "revenueAvg": 6544781148,
      "ebitdaLow": 1797077799,
      "ebitdaHigh": 1936131856,
      "ebitdaAvg": 1860259650,
      "ebitLow": 964689226,
      "ebitHigh": 1039334825,
      "ebitAvg": 998605871,
      "netIncomeLow": 1412032323,
      "netIncomeHigh": 1555585711,
      "netIncomeAvg": 1477258305,
      "sgaExpenseLow": 1891369176,
      "sgaExpenseHigh": 2037719299,
      "sgaExpenseAvg": 1957866133,
      "epsAvg": 7.51403,
      "epsHigh": 7.91244,
      "epsLow": 7.18226,
      "numAnalystsRevenue": 6,
      "numAnalystsEps": 5
    },
    {
      "symbol": "TRU",
      "date": "2029-12-31",
      "revenueLow": 5931737362,
      "revenueHigh": 6390722577,
      "revenueAvg": 6140286010,
      "ebitdaLow": 1686010796,
      "ebitdaHigh": 1816470723,
      "ebitdaAvg": 1745287741,
      "ebitLow": 905067354,
      "ebitHigh": 975099540,
      "ebitAvg": 936887808,
      "netIncomeLow": 1380399383,
      "netIncomeHigh": 1520736395,
      "netIncomeAvg": 1444164627,
      "sgaExpenseLow": 1774474567,
      "sgaExpenseHigh": 1911779633,
      "sgaExpenseAvg": 1836861731,
      "epsAvg": 7.3457,
      "epsHigh": 7.73518,
      "epsLow": 7.02136,
      "numAnalystsRevenue": 11,
      "numAnalystsEps": 5
    },
    {
      "symbol": "TRU",
      "date": "2028-12-31",
      "revenueLow": 5623498920,
      "revenueHigh": 6624273018,
      "revenueAvg": 6022922304,
      "ebitdaLow": 1598398464,
      "ebitdaHigh": 1882854068,
      "ebitdaAvg": 1711928800,
      "ebitLow": 858036183,
      "ebitHigh": 1010734779,
      "ebitAvg": 918980397,
      "netIncomeLow": 1158713221,
      "netIncomeHigh": 1339640270,
      "netIncomeAvg": 1217360350,
      "sgaExpenseLow": 1682265279,
      "sgaExpenseHigh": 1981646064,
      "sgaExpenseAvg": 1801752471,
      "epsAvg": 6.48771,
      "epsHigh": 6.81404,
      "epsLow": 5.89376,
      "numAnalystsRevenue": 13,
      "numAnalystsEps": 8
    },
    {
      "symbol": "TRU",
      "date": "2027-12-31",
      "revenueLow": 5451368212,
      "revenueHigh": 5872245905,
      "revenueAvg": 5591660777,
      "ebitdaLow": 1549472793,
      "ebitdaHigh": 1669101207,
      "ebitdaAvg": 1589348931,
      "ebitLow": 831772397,
      "ebitHigh": 895990119,
      "ebitAvg": 853178304,
      "netIncomeLow": 1045518805,
      "netIncomeHigh": 1199385830,
      "netIncomeAvg": 1068930570,
      "sgaExpenseLow": 1630772513,
      "sgaExpenseHigh": 1756677744,
      "sgaExpenseAvg": 1672740924,
      "epsAvg": 5.60898,
      "epsHigh": 6.10064,
      "epsLow": 5.318,
      "numAnalystsRevenue": 16,
      "numAnalystsEps": 14
    }
  ],
  "price_target": {
    "symbol": "TRU",
    "targetHigh": 115,
    "targetLow": 77,
    "targetConsensus": 94.9,
    "targetMedian": 98
  },
  "ratings": {
    "symbol": "TRU",
    "rating": "B",
    "overallScore": 3,
    "discountedCashFlowScore": 3,
    "returnOnEquityScore": 4,
    "returnOnAssetsScore": 5,
    "debtToEquityScore": 2,
    "priceToEarningsScore": 2,
    "priceToBookScore": 1
  },
  "grades": [
    {
      "symbol": "TRU",
      "date": "2026-07-29",
      "gradingCompany": "Baird",
      "previousGrade": "Outperform",
      "newGrade": "Outperform",
      "action": "maintain"
    },
    {
      "symbol": "TRU",
      "date": "2026-07-29",
      "gradingCompany": "Stifel",
      "previousGrade": "Buy",
      "newGrade": "Buy",
      "action": "maintain"
    },
    {
      "symbol": "TRU",
      "date": "2026-07-29",
      "gradingCompany": "Wells Fargo",
      "previousGrade": "Overweight",
      "newGrade": "Overweight",
      "action": "maintain"
    },
    {
      "symbol": "TRU",
      "date": "2026-07-29",
      "gradingCompany": "BMO Capital",
      "previousGrade": "Outperform",
      "newGrade": "Outperform",
      "action": "maintain"
    },
    {
      "symbol": "TRU",
      "date": "2026-07-29",
      "gradingCompany": "Barclays",
      "previousGrade": "Equal Weight",
      "newGrade": "Equal Weight",
      "action": "maintain"
    },
    {
      "symbol": "TRU",
      "date": "2026-07-29",
      "gradingCompany": "Needham",
      "previousGrade": "Buy",
      "newGrade": "Buy",
      "action": "maintain"
    },
    {
      "symbol": "TRU",
      "date": "2026-07-02",
      "gradingCompany": "UBS",
      "previousGrade": "Neutral",
      "newGrade": "Neutral",
      "action": "maintain"
    },
    {
      "symbol": "TRU",
      "date": "2026-07-02",
      "gradingCompany": "Mizuho",
      "previousGrade": "Neutral",
      "newGrade": "Neutral",
      "action": "maintain"
    },
    {
      "symbol": "TRU",
      "date": "2026-06-16",
      "gradingCompany": "UBS",
      "previousGrade": "Neutral",
      "newGrade": "Neutral",
      "action": "maintain"
    },
    {
      "symbol": "TRU",
      "date": "2026-05-19",
      "gradingCompany": "B of A Securities",
      "previousGrade": "Neutral",
      "newGrade": "Neutral",
      "action": "maintain"
    },
    {
      "symbol": "TRU",
      "date": "2026-04-29",
      "gradingCompany": "Needham",
      "previousGrade": "Buy",
      "newGrade": "Buy",
      "action": "maintain"
    },
    {
      "symbol": "TRU",
      "date": "2026-04-29",
      "gradingCompany": "JP Morgan",
      "previousGrade": "Overweight",
      "newGrade": "Overweight",
      "action": "maintain"
    },
    {
      "symbol": "TRU",
      "date": "2026-04-13",
      "gradingCompany": "UBS",
      "previousGrade": "Neutral",
      "newGrade": "Neutral",
      "action": "maintain"
    },
    {
      "symbol": "TRU",
      "date": "2026-03-11",
      "gradingCompany": "Morgan Stanley",
      "previousGrade": "Overweight",
      "newGrade": "Overweight",
      "action": "maintain"
    },
    {
      "symbol": "TRU",
      "date": "2026-02-17",
      "gradingCompany": "Goldman Sachs",
      "previousGrade": "Neutral",
      "newGrade": "Neutral",
      "action": "maintain"
    },
    {
      "symbol": "TRU",
      "date": "2026-02-13",
      "gradingCompany": "Stifel",
      "previousGrade": "Buy",
      "newGrade": "Buy",
      "action": "maintain"
    },
    {
      "symbol": "TRU",
      "date": "2026-02-13",
      "gradingCompany": "Needham",
      "previousGrade": "Buy",
      "newGrade": "Buy",
      "action": "maintain"
    },
    {
      "symbol": "TRU",
      "date": "2026-02-13",
      "gradingCompany": "Wells Fargo",
      "previousGrade": "Overweight",
      "newGrade": "Overweight",
      "action": "maintain"
    },
    {
      "symbol": "TRU",
      "date": "2026-02-13",
      "gradingCompany": "Barclays",
      "previousGrade": "Equal Weight",
      "newGrade": "Equal Weight",
      "action": "maintain"
    },
    {
      "symbol": "TRU",
      "date": "2026-01-14",
      "gradingCompany": "Wells Fargo",
      "previousGrade": "Overweight",
      "newGrade": "Overweight",
      "action": "maintain"
    },
    {
      "symbol": "TRU",
      "date": "2025-12-17",
      "gradingCompany": "Morgan Stanley",
      "previousGrade": "Overweight",
      "newGrade": "Overweight",
      "action": "maintain"
    },
    {
      "symbol": "TRU",
      "date": "2025-10-24",
      "gradingCompany": "Goldman Sachs",
      "previousGrade": "Neutral",
      "newGrade": "Neutral",
      "action": "maintain"
    },
    {
      "symbol": "TRU",
      "date": "2025-10-24",
      "gradingCompany": "JP Morgan",
      "previousGrade": "Overweight",
      "newGrade": "Overweight",
      "action": "maintain"
    },
    {
      "symbol": "TRU",
      "date": "2025-10-24",
      "gradingCompany": "Needham",
      "previousGrade": "Buy",
      "newGrade": "Buy",
      "action": "maintain"
    },
    {
      "symbol": "TRU",
      "date": "2025-10-24",
      "gradingCompany": "BMO Capital",
      "previousGrade": "Outperform",
      "newGrade": "Outperform",
      "action": "maintain"
    },
    {
      "symbol": "TRU",
      "date": "2025-10-02",
      "gradingCompany": "Goldman Sachs",
      "previousGrade": "Neutral",
      "newGrade": "Neutral",
      "action": "maintain"
    },
    {
      "symbol": "TRU",
      "date": "2025-09-03",
      "gradingCompany": "Needham",
      "previousGrade": "Hold",
      "newGrade": "Buy",
      "action": "upgrade"
    }
  ]
}

News

Data:

[
  {
    "title": "Why Is TransUnion (TRU) Up 0.9% Since Last Earnings Report?",
    "url": "https://www.zacks.com/stock/news/2981174/why-is-transunion-tru-up-0-9-since-last-earnings-report?cid=CS-ZC-FT-realtime_blog-2981174",
    "source": "Zacks Investment Research",
    "date": "2026-08-27T15:30:23Z",
    "summary": "TransUnion reported strong Q2 2026 results with adjusted earnings of $1.23 per share and revenues of $1.31 billion, both beating consensus estimates. U.S. Markets and International segments showed solid growth, though adjusted EBITDA margins contracted 90 basis points due to FICO",
    "image": "https://staticx-tuner.zacks.com/images/default_article_images/default329.jpg"
  },
  {
    "title": "Why TransUnion (TRU) is a Top Growth Stock for the Long-Term",
    "url": "https://www.zacks.com/stock/news/2980959/why-transunion-tru-is-a-top-growth-stock-for-the-long-term?cid=CS-STOCKNEWSAPI-FT-fundamental_analysis|zacks_education_growth_score-2980959",
    "source": "Zacks Investment Research",
    "date": "2026-08-27 10:46:04",
    "summary": "The Zacks Style Scores offers investors a way to easily find top-rated stocks based on their investing style. Here's why you should take advantage.",
    "image": "https://images.financialmodelingprep.com/news/why-transunion-tru-is-a-top-growth-stock-for-20260827.jpg"
  },
  {
    "title": "Debt Settlement Enrollment Linked to Greater Credit Score Declines Than Bankruptcy, New TransUnion Research Finds",
    "url": "https://www.globenewswire.com/news-release/2026/08/27/3351989/0/en/debt-settlement-enrollment-linked-to-greater-credit-score-declines-than-bankruptcy-new-transunion-research-finds.html",
    "source": "GlobeNewsWire",
    "date": "2026-08-27 08:17:00",
    "summary": "Predictive indicators help lenders identify consumers likely to enroll in third-party debt settlement programs before traditional risk signals emerge Predictive indicators help lenders identify consumers likely to enroll in third-party debt settlement programs before traditional ",
    "image": "https://images.financialmodelingprep.com/news/debt-settlement-enrollment-linked-to-greater-credit-score-declines-20260827.jpg"
  },
  {
    "title": "TransUnion Overhauls Credit Scoring System for UK Consumers",
    "url": "https://www.pymnts.com/consumer-finance/2026/transunion-overhauls-credit-scoring-system-for-uk-consumers/",
    "source": "PYMNTS",
    "date": "2026-08-26 15:03:54",
    "summary": "TransUnion\u00a0says it is modernizing the way it calculates U.K. consumers' credit scores. The information, insights and credit reporting company on Wednesday (Aug. 26) introduced\u00a0a new credit scoring system designed to help consumers better understand their credit score and their op",
    "image": "https://images.financialmodelingprep.com/news/transunion-overhauls-credit-scoring-system-for-uk-consumers-20260826.jpg"
  },
  {
    "title": "Canadian Consumer Debt Reaches Record $2.64 Trillion as Financial Realities Differ Across Households",
    "url": "https://www.globenewswire.com/news-release/2026/08/25/3350264/0/en/canadian-consumer-debt-reaches-record-2-64-trillion-as-financial-realities-differ-across-households.html",
    "source": "GlobeNewsWire",
    "date": "2026-08-25 06:00:00",
    "summary": "Key findings from TransUnion report: Growth in new mortgages slowed significantly as affordability pressures persisted More Canadians fell seriously behind on payments year-over-year, with stress concentrated in Alberta, Saskatchewan and Ontario Consumer insolvency rates rose, dr",
    "image": "https://images.financialmodelingprep.com/news/canadian-consumer-debt-reaches-record-264-trillion-as-financial-20260825.jpg"
  },
  {
    "title": "1,256,532 Shares in TransUnion $TRU Bought by Bank of New York Mellon Corp",
    "url": "https://www.defenseworld.net/2026/08/25/1256532-shares-in-transunion-tru-bought-by-bank-of-new-york-mellon-corp.html",
    "source": "Defense World",
    "date": "2026-08-25 04:18:56",
    "summary": "Bank of New York Mellon Corp bought a new stake in shares of TransUnion (NYSE: TRU) in the second quarter, according to the company in its most recent Form 13F filing with the Securities and Exchange Commission (SEC). The institutional investor bought 1,256,532 shares of the busi",
    "image": "https://images.financialmodelingprep.com/news/1256532-shares-in-transunion-tru-bought-by-bank-of-20260825.jpg"
  },
  {
    "title": "Trust and Transparency Matter Most in Wealth Management Relationships, TransUnion Survey Finds",
    "url": "https://www.globenewswire.com/news-release/2026/08/20/3348333/0/en/trust-and-transparency-matter-most-in-wealth-management-relationships-transunion-survey-finds.html",
    "source": "GlobeNewsWire",
    "date": "2026-08-20 08:17:00",
    "summary": "New research reveals investors prioritize trust over fees and identifies security, fraud protection and reputation as critical factors in provider selection and loyalty New research reveals investors prioritize trust over fees and identifies security, fraud protection and reputat",
    "image": "https://images.financialmodelingprep.com/news/trust-and-transparency-matter-most-in-wealth-management-relationships-20260820.jpg"
  },
  {
    "title": "Here's Why TransUnion (TRU) is a Strong Momentum Stock",
    "url": "https://www.zacks.com/stock/news/2976883/here-s-why-transunion-tru-is-a-strong-momentum-stock?cid=CS-STOCKNEWSAPI-FT-fundamental_analysis|zacks_education_momentum_score-2976883",
    "source": "Zacks Investment Research",
    "date": "2026-08-19 10:51:01",
    "summary": "Wondering how to pick strong, market-beating stocks for your investment portfolio? Look no further than the Zacks Style Scores.",
    "image": "https://images.financialmodelingprep.com/news/heres-why-transunion-tru-is-a-strong-momentum-stock-20260819.jpg"
  },
  {
    "title": "Is TRU Stock Worth Buying as Growth Improves but Debt Stays High?",
    "url": "https://www.zacks.com/stock/news/2974451/is-tru-stock-worth-buying-as-growth-improves-but-debt-stays-high?cid=CS-STOCKNEWSAPI-FT-analyst_blog_plus|zer_report_insights-2974451",
    "source": "Zacks Investment Research",
    "date": "2026-08-13 11:51:07",
    "summary": "TransUnion's improving growth and discounted valuation sharpen its appeal, while $5.59 billion in debt and execution risks keep the investment case balanced.",
    "image": "https://images.financialmodelingprep.com/news/is-tru-stock-worth-buying-as-growth-improves-but-20260813.jpg"
  },
  {
    "title": "TRU Stock Climbs 15.3% in 3 Months: Can the Rally Continue From Here?",
    "url": "https://www.zacks.com/stock/news/2974443/tru-stock-climbs-15-3-in-3-months-can-the-rally-continue-from-here?cid=CS-STOCKNEWSAPI-FT-analyst_blog_plus|zer_report_insights-2974443",
    "source": "Zacks Investment Research",
    "date": "2026-08-13 11:45:19",
    "summary": "TransUnion's 15.3% rally is backed by stronger earnings, revenues and raised 2026 guidance, but debt and margin pressure could test further gains.",
    "image": "https://images.financialmodelingprep.com/news/tru-stock-climbs-153-in-3-months-can-the-20260813.jpg"
  },
  {
    "title": "Growing Big Data & Analytics Market Aids TRU Amid Stiff Competition",
    "url": "https://www.zacks.com/stock/news/2974360/growing-big-data-analytics-market-aids-tru-amid-stiff-competition?cid=CS-STOCKNEWSAPI-FT-analyst_blog|zer_report_update-2974360",
    "source": "Zacks Investment Research",
    "date": "2026-08-13 10:51:20",
    "summary": "TransUnion taps rising big data demand, stable lending, innovation and acquisitions for growth, while seasonality, debt and competition pose challenges.",
    "image": "https://images.financialmodelingprep.com/news/growing-big-data-analytics-market-aids-tru-amid-stiff-20260813.jpg"
  },
  {
    "title": "More Americans Have Access to Credit While Debt Growth Has Moderated",
    "url": "https://www.globenewswire.com/news-release/2026/08/06/3340058/0/en/More-Americans-Have-Access-to-Credit-While-Debt-Growth-Has-Moderated.html",
    "source": "GlobeNewswire Inc.",
    "date": "2026-08-06T10:50:00Z",
    "summary": "TransUnion's Q2 2026 Credit Industry Insights Report shows consumer credit remains widely available with 262 million consumers carrying balances and total outstanding balances reaching $18.6 trillion (+2.8% YoY). While credit access expanded across all segments, delinquency rates",
    "image": "https://ml.globenewswire.com/Resource/Download/8cc0f5ef-8284-496b-8554-d00cc2d898ea"
  },
  {
    "title": "TransUnion Declares Second Quarter 2026 Dividend of $0.125 per Share",
    "url": "https://www.globenewswire.com/news-release/2026/08/06/3340048/0/en/transunion-declares-second-quarter-2026-dividend-of-0-125-per-share.html",
    "source": "GlobeNewsWire",
    "date": "2026-08-06 06:40:00",
    "summary": "CHICAGO, Aug. 06, 2026 (GLOBE NEWSWIRE) -- TransUnion (NYSE: TRU) today announced that its Board of Directors declared a cash dividend of $0.125 per share for the second quarter 2026. The dividend will be payable on September 4, 2026, to shareholders of record on August 20, 2026.",
    "image": "https://images.financialmodelingprep.com/news/transunion-declares-second-quarter-2026-dividend-of-0125-per-20260806.jpg"
  },
  {
    "title": "Here's Why TransUnion (TRU) is a Strong Value Stock",
    "url": "https://www.zacks.com/stock/news/2968578/here-s-why-transunion-tru-is-a-strong-value-stock?cid=CS-STOCKNEWSAPI-FT-fundamental_analysis|zacks_education_value_score-2968578",
    "source": "Zacks Investment Research",
    "date": "2026-08-05 10:41:11",
    "summary": "The Zacks Style Scores offers investors a way to easily find top-rated stocks based on their investing style. Here's why you should take advantage.",
    "image": "https://images.financialmodelingprep.com/news/heres-why-transunion-tru-is-a-strong-value-stock-20260805.jpg"
  },
  {
    "title": "TransUnion Research Reveals Growing AI Confidence-Readiness Paradox Among Marketers",
    "url": "https://www.globenewswire.com/news-release/2026/08/05/3339209/0/en/TransUnion-Research-Reveals-Growing-AI-Confidence-Readiness-Paradox-Among-Marketers.html",
    "source": "GlobeNewsWire",
    "date": "2026-08-05 07:25:00",
    "summary": "AI investment is rising and confidence is strong, but a significant gap in people, process and data readiness remains a barrier to performance AI investment is rising and confidence is strong, but a significant gap in people, process and data readiness remains a barrier to perfor",
    "image": "https://images.financialmodelingprep.com/news/transunion-research-reveals-growing-ai-confidencereadiness-paradox-among-marketers-20260805.jpg"
  },
  {
    "title": "Les Canadiens montrent des signes d\u2019am\u00e9lioration financi\u00e8re, mais continuent de subir les pressions du co\u00fbt de la vie : \u00e9tude de TransUnion Canada",
    "url": "https://www.globenewswire.com/news-release/2026/07/22/3331148/0/fr/Les-Canadiens-montrent-des-signes-d-am%C3%A9lioration-financi%C3%A8re-mais-continuent-de-subir-les-pressions-du-co%C3%BBt-de-la-vie-%C3%A9tude-de-TransUnion-Canada.html",
    "source": "GlobeNewswire Inc.",
    "date": "2026-07-22T10:00:00Z",
    "summary": "According to TransUnion Canada's Q2 2026 Consumer Pulse Survey, Canadians show modest financial improvement with 45% optimistic about household finances over the next 12 months and 25% planning to seek new credit. However, persistent affordability pressures remain, with 86% citin",
    "image": "https://ml.globenewswire.com/Resource/Download/8cc0f5ef-8284-496b-8554-d00cc2d898ea"
  },
  {
    "title": "Canadians Show Signs of Financial Improvement but Continue to Feel the Cost-of-Living Squeeze: TransUnion Canada Study",
    "url": "https://www.globenewswire.com/news-release/2026/07/22/3331148/0/en/Canadians-Show-Signs-of-Financial-Improvement-but-Continue-to-Feel-the-Cost-of-Living-Squeeze-TransUnion-Canada-Study.html",
    "source": "GlobeNewswire Inc.",
    "date": "2026-07-22T10:00:00Z",
    "summary": "A TransUnion Canada study reveals that while 45% of Canadians express optimism about their household finances, affordability pressures persist with 86% citing inflation as a top concern. Despite 25% of consumers planning to apply for new credit, many remain cautious about borrowi",
    "image": "https://ml.globenewswire.com/Resource/Download/8cc0f5ef-8284-496b-8554-d00cc2d898ea"
  },
  {
    "title": "TransUnion Report Maps How Mortgage Rate Changes Could Reshape Local Housing Markets",
    "url": "https://www.globenewswire.com/news-release/2026/06/25/3317444/0/en/TransUnion-Report-Maps-How-Mortgage-Rate-Changes-Could-Reshape-Local-Housing-Markets.html",
    "source": "GlobeNewswire Inc.",
    "date": "2026-06-25T11:33:00Z",
    "summary": "TransUnion released a report analyzing how mortgage rate changes would impact mortgage-ready renters across U.S. metropolitan areas. The report categorizes markets into four types based on rate sensitivity and highlights that major cities like New York, Los Angeles, and Chicago a",
    "image": "https://ml.globenewswire.com/Resource/Download/8cc0f5ef-8284-496b-8554-d00cc2d898ea"
  },
  {
    "title": "La g\u00e9n\u00e9ration Z stimule la croissance du cr\u00e9dit au Canada alors que les taux de d\u00e9linquance commencent \u00e0 se stabiliser",
    "url": "https://www.globenewswire.com/news-release/2026/06/23/3316377/0/fr/La-g%C3%A9n%C3%A9ration-Z-stimule-la-croissance-du-cr%C3%A9dit-au-Canada-alors-que-les-taux-de-d%C3%A9linquance-commencent-%C3%A0-se-stabiliser.html",
    "source": "GlobeNewswire Inc.",
    "date": "2026-06-23T18:24:00Z",
    "summary": "Generation Z is the fastest-growing credit segment in Canada, with 460,000+ new consumers entering the market and non-mortgage debt balances rising 9.1% year-over-year. Despite higher delinquency rates than other generations, Gen Z showed the strongest credit performance improvem",
    "image": "https://ml.globenewswire.com/Resource/Download/8cc0f5ef-8284-496b-8554-d00cc2d898ea"
  },
  {
    "title": "Gen Z Drives Canada\u2019s Credit Growth as Delinquencies Begin to Stabilize",
    "url": "https://www.globenewswire.com/news-release/2026/06/23/3315783/0/en/Gen-Z-Drives-Canada-s-Credit-Growth-as-Delinquencies-Begin-to-Stabilize.html",
    "source": "GlobeNewswire Inc.",
    "date": "2026-06-23T10:00:00Z",
    "summary": "TransUnion's Q1 2026 Credit Industry Insights Report shows Gen Z is the fastest-growing credit segment in Canada with 460,000 new participants (7.8% YoY growth) and 9% higher non-mortgage debt balances. While Gen Z maintains higher delinquency rates than other generations, credit",
    "image": "https://ml.globenewswire.com/Resource/Download/7d23bdee-79c7-46c4-ba11-4f6be29c05e7"
  },
  {
    "title": "Identity Verification Market to Reach USD 62.11 Billion by 2035, Driven by Rising Fraud Risks, AI-Based Authentication, and Global KYC Compliance Demand | Report by SNS Insider",
    "url": "https://www.globenewswire.com/news-release/2026/06/11/3310240/0/en/Identity-Verification-Market-to-Reach-USD-62-11-Billion-by-2035-Driven-by-Rising-Fraud-Risks-AI-Based-Authentication-and-Global-KYC-Compliance-Demand-Report-by-SNS-Insider.html",
    "source": "GlobeNewswire Inc.",
    "date": "2026-06-11T08:41:00Z",
    "summary": "The global identity verification market is projected to grow from USD 14.93 billion in 2025 to USD 62.11 billion by 2035 at a 15.4% CAGR, driven by rising identity fraud costs, regulatory compliance mandates, and adoption of AI-powered biometric solutions. The U.S. market is expe",
    "image": "https://ml.globenewswire.com/Resource/Download/d6272c2e-d204-41b8-b545-a6e2e24f85c2"
  },
  {
    "title": "Upstart's Auto Loan Push Is the 1 Story That Could Change the AI Lending Thesis",
    "url": "https://www.fool.com/investing/2026/05/28/upstart-auto-loan-push-change-ai-lending/?source=iedfolrf0000001",
    "source": "The Motley Fool",
    "date": "2026-05-28T18:11:00Z",
    "summary": "Upstart Holdings is expanding beyond its core unsecured personal loan business into auto loans and mortgages, with Q1 auto loan originations quadrupling year-over-year to $263 million and mortgage originations reaching $143 million. While these segments remain small compared to t",
    "image": "https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F871301%2Fbuy-new-car-driver-seat-sales-sale-test-drive-2.jpg&w=1200&op=resize"
  },
  {
    "title": "Une nouvelle \u00e9tude r\u00e9alis\u00e9e par TransUnion remet en question les mythes sur le cr\u00e9dit concernant les travailleurs \u00e0 la demande canadiens",
    "url": "https://www.globenewswire.com/news-release/2026/05/26/3300872/0/fr/Une-nouvelle-%C3%A9tude-r%C3%A9alis%C3%A9e-par-TransUnion-remet-en-question-les-mythes-sur-le-cr%C3%A9dit-concernant-les-travailleurs-%C3%A0-la-demande-canadiens.html",
    "source": "GlobeNewswire Inc.",
    "date": "2026-05-26T10:00:00Z",
    "summary": "A TransUnion study reveals that Canadian gig workers, representing 11% of the workforce, demonstrate responsible credit behavior comparable to the general population, with 68% in preferred credit risk levels. However, nearly half face difficulties when applying for credit due to ",
    "image": "https://ml.globenewswire.com/Resource/Download/5bed28cf-e254-4005-b544-c0a61f4fe47a"
  },
  {
    "title": "New TransUnion Study Challenges Credit Myths About Canadian Gig Workers",
    "url": "https://www.globenewswire.com/news-release/2026/05/26/3300877/0/en/New-TransUnion-Study-Challenges-Credit-Myths-About-Canadian-Gig-Workers.html",
    "source": "GlobeNewswire Inc.",
    "date": "2026-05-26T10:00:00Z",
    "summary": "A TransUnion study reveals that Canadian gig workers, representing 11% of the workforce, demonstrate credit profiles broadly aligned with the general population, with 68% in prime or above credit tiers. However, nearly half of gig workers face application challenges due to comple",
    "image": "https://ml.globenewswire.com/Resource/Download/4ca4c790-346c-4df2-972c-2ed185afc015"
  },
  {
    "title": "TransUnion Declares First Quarter 2026 Dividend of $0.125 per Share",
    "url": "https://www.benzinga.com/pressreleases/26/05/g52517150/transunion-declares-first-quarter-2026-dividend-of-0-125-per-share?utm_source=benzinga_taxonomy&utm_medium=rss_feed_free&utm_content=taxonomy_rss&utm_campaign=channel",
    "source": "Benzinga",
    "date": "2026-05-13T10:50:00Z",
    "summary": "TransUnion announced a cash dividend of $0.125 per share for Q1 2026, payable on June 11, 2026, to shareholders of record as of May 27, 2026.",
    "image": "https://cdn.benzinga.com/files/imagecache/bz2_opengraph_meta_image_400x300/sites/all/themes/bz2/images/bz-icon.png"
  }
]

Calendar / Earnings

Data:

[
  {
    "symbol": "TRU",
    "date": "2026-10-22",
    "epsActual": null,
    "epsEstimated": 1.21,
    "revenueActual": null,
    "revenueEstimated": 1311832000,
    "lastUpdated": "2026-08-28"
  },
  {
    "symbol": "TRU",
    "date": "2026-07-28",
    "epsActual": 1.23,
    "epsEstimated": 1.16,
    "revenueActual": 1309600000,
    "revenueEstimated": 1283437000,
    "lastUpdated": "2026-08-28"
  },
  {
    "symbol": "TRU",
    "date": "2026-04-28",
    "epsActual": 1.18,
    "epsEstimated": 1.11,
    "revenueActual": 1245700000,
    "revenueEstimated": 1209915000,
    "lastUpdated": "2026-07-28"
  },
  {
    "symbol": "TRU",
    "date": "2026-02-12",
    "epsActual": 1.07,
    "epsEstimated": 1.03,
    "revenueActual": 1171400000,
    "revenueEstimated": 1132104000,
    "lastUpdated": "2026-05-12"
  },
  {
    "symbol": "TRU",
    "date": "2025-10-23",
    "epsActual": 1.1,
    "epsEstimated": 1.04,
    "revenueActual": 1169500000,
    "revenueEstimated": 1133508850,
    "lastUpdated": "2026-01-23"
  }
]

Short & Liquidity

Data:

{
  "borrow": [],
  "short_interest": [
    {
      "symbol": "TRU",
      "file_date": "",
      "error": "Symbol not found in FINRA biweekly file",
      "days_to_cover": null
    }
  ],
  "ftd": {
    "symbol": "TRU",
    "periods": [
      {
        "file_period": "202604a",
        "settlement_date": "20260409",
        "quantity_fails": 26,
        "price": 71.2
      },
      {
        "file_period": "202604b",
        "settlement_date": "20260427",
        "quantity_fails": 386,
        "price": 72.61
      },
      {
        "file_period": "202606a",
        "settlement_date": "20260609",
        "quantity_fails": 24729,
        "price": 68.81
      },
      {
        "file_period": "202606b",
        "settlement_date": "20260630",
        "quantity_fails": 116322,
        "price": 71.79
      },
      {
        "file_period": "202607a",
        "settlement_date": "20260701",
        "quantity_fails": 618,
        "price": 72.14
      },
      {
        "file_period": "202607b",
        "settlement_date": "20260731",
        "quantity_fails": 576,
        "price": 80.26
      }
    ],
    "trend": "rising",
    "trend_description": "FTD quantity increasing \u2014 settlement pressure building, potential squeeze precursor"
  }
}

Whales & Insiders

Data:

{
  "insider": [
    {
      "symbol": "TRU",
      "filingDate": "2026-08-12",
      "transactionDate": "2026-08-11",
      "reportingCik": "0002074886",
      "companyCik": "0001552033",
      "transactionType": "S-Sale",
      "securitiesOwned": 41883,
      "reportingName": "Zuiker Alicia Brooke",
      "typeOfOwner": "officer: EVP, CHRO",
      "acquisitionOrDisposition": "D",
      "directOrIndirect": "D",
      "formType": "4",
      "securitiesTransacted": 8673,
      "price": 78.49,
      "securityName": "Common Stock",
      "url": "https://www.sec.gov/Archives/edgar/data/1552033/000207488626000006/0002074886-26-000006-index.htm"
    },
    {
      "symbol": "TRU",
      "filingDate": "2026-08-04",
      "transactionDate": "2026-08-03",
      "reportingCik": "0001879101",
      "companyCik": "0001552033",
      "transactionType": "S-Sale",
      "securitiesOwned": 63849.274,
      "reportingName": "Skinner Todd C.",
      "typeOfOwner": "officer: President, International",
      "acquisitionOrDisposition": "D",
      "directOrIndirect": "D",
      "formType": "4",
      "securitiesTransacted": 950,
      "price": 79.96,
      "securityName": "Common Stock",
      "url": "https://www.sec.gov/Archives/edgar/data/1552033/000187910126000022/0001879101-26-000022-index.htm"
    },
    {
      "symbol": "TRU",
      "filingDate": "2026-08-04",
      "transactionDate": "2026-08-03",
      "reportingCik": "0001776865",
      "companyCik": "0001552033",
      "transactionType": "S-Sale",
      "securitiesOwned": 88906,
      "reportingName": "CHAOUKI STEVEN M",
      "typeOfOwner": "officer: President, US Markets",
      "acquisitionOrDisposition": "D",
      "directOrIndirect": "D",
      "formType": "4",
      "securitiesTransacted": 1000,
      "price": 79.96,
      "securityName": "Common Stock",
      "url": "https://www.sec.gov/Archives/edgar/data/1552033/000177686526000020/0001776865-26-000020-index.htm"
    },
    {
      "symbol": "TRU",
      "filingDate": "2026-07-29",
      "transactionDate": "2026-07-28",
      "reportingCik": "0002058648",
      "companyCik": "0001552033",
      "transactionType": "S-Sale",
      "securitiesOwned": 57182,
      "reportingName": "Abdelsadek Mohamed",
      "typeOfOwner": "officer: EVP, Chief Global Solutions",
      "acquisitionOrDisposition": "D",
      "directOrIndirect": "D",
      "formType": "4",
      "securitiesTransacted": 23495,
      "price": 85,
      "securityName": "Common Stock",
      "url": "https://www.sec.gov/Archives/edgar/data/1552033/000205864826000006/0002058648-26-000006-index.htm"
    },
    {
      "symbol": "TRU",
      "filingDate": "2026-07-08",
      "transactionDate": "2026-07-07",
      "reportingCik": "0001719912",
      "companyCik": "0001552033",
      "transactionType": "S-Sale",
      "securitiesOwned": 5843,
      "reportingName": "Williams Jennifer A.",
      "typeOfOwner": "officer: SVP, Chief Accounting Officer",
      "acquisitionOrDisposition": "D",
      "directOrIndirect": "D",
      "formType": "4",
      "securitiesTransacted": 972,
      "price": 80,
      "securityName": "Common Stock",
      "url": "https://www.sec.gov/Archives/edgar/data/1552033/000171991226000010/0001719912-26-000010-index.htm"
    },
    {
      "symbol": "TRU",
      "filingDate": "2026-07-02",
      "transactionDate": "2026-07-01",
      "reportingCik": "0002074886",
      "companyCik": "0001552033",
      "transactionType": "F-InKind",
      "securitiesOwned": 50556,
      "reportingName": "Zuiker Alicia Brooke",
      "typeOfOwner": "officer: EVP, CHRO",
      "acquisitionOrDisposition": "D",
      "directOrIndirect": "D",
      "formType": "4",
      "securitiesTransacted": 6899,
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      "option_symbol": "TRU260918C00090000",
      "total_premium": "0",
      "iv": 0.355620609869832,
      "volume": 0,
      "nbbo_bid": null
    },
    {
      "underlying_symbol": "TRU",
      "expires": "2027-01-15",
      "open_interest": 508,
      "option_type": "call",
      "delta": 0.297863847284447,
      "ask_volume": 0,
      "last_price": null,
      "implied_volatility": null,
      "gamma": 0.0165066318762583,
      "avg_price": null,
      "bid_volume": 0,
      "nbbo_ask": null,
      "strike": "100",
      "option_symbol": "TRU270115C00100000",
      "total_premium": "0",
      "iv": 0.397960806797203,
      "volume": 0,
      "nbbo_bid": null
    },
    {
      "underlying_symbol": "TRU",
      "expires": "2026-09-18",
      "open_interest": 487,
      "option_type": "call",
      "delta": 0.81684243261219,
      "ask_volume": 0,
      "last_price": null,
      "implied_volatility": null,
      "gamma": 0.0282595530643761,
      "avg_price": null,
      "bid_volume": 0,
      "nbbo_ask": null,
      "strike": "77.5",
      "option_symbol": "TRU260918C00077500",
      "total_premium": "0",
      "iv": 0.457277123077809,
      "volume": 0,
      "nbbo_bid": null
    }
  ],
  "gamma_profile": {
    "ticker": "TRU",
    "spot": 85.51,
    "date": "2026-08-28",
    "flip_point": 75.26,
    "net_gex": 5247.42,
    "call_walls": [
      {
        "strike": 90.0,
        "gex": 3098.15
      },
      {
        "strike": 77.5,
        "gex": 1361.77
      },
      {
        "strike": 100.0,
        "gex": 866.24
      }
    ],
    "put_walls": [
      {
        "strike": 80.0,
        "gex": -922.76
      },
      {
        "strike": 75.0,
        "gex": -193.86
      },
      {
        "strike": 85.0,
        "gex": -97.21
      }
    ],
    "by_strike": [
      {
        "strike": 55.0,
        "call_gex": 1.92,
        "put_gex": -1.66,
        "net_gex": 0.26
      },
      {
        "strike": 57.5,
        "call_gex": 0.0,
        "put_gex": -1.91,
        "net_gex": -1.91
      },
      {
        "strike": 60.0,
        "call_gex": 4.05,
        "put_gex": -55.92,
        "net_gex": -51.88
      },
      {
        "strike": 62.5,
        "call_gex": 7.23,
        "put_gex": -5.55,
        "net_gex": 1.67
      },
      {
        "strike": 65.0,
        "call_gex": 10.62,
        "put_gex": -49.38,
        "net_gex": -38.75
      },
      {
        "strike": 67.5,
        "call_gex": 3.66,
        "put_gex": -19.9,
        "net_gex": -16.25
      },
      {
        "strike": 70.0,
        "call_gex": 80.1,
        "put_gex": -50.6,
        "net_gex": 29.5
      },
      {
        "strike": 72.5,
        "call_gex": 33.84,
        "put_gex": -55.19,
        "net_gex": -21.35
      },
      {
        "strike": 75.0,
        "call_gex": 163.02,
        "put_gex": -193.86,
        "net_gex": -30.84
      },
      {
        "strike": 77.5,
        "call_gex": 1361.77,
        "put_gex": -52.37,
        "net_gex": 1309.41
      },
      {
        "strike": 80.0,
        "call_gex": 173.52,
        "put_gex": -922.76,
        "net_gex": -749.24
      },
      {
        "strike": 82.5,
        "call_gex": 111.06,
        "put_gex": -11.57,
        "net_gex": 99.5
      },
      {
        "strike": 85.0,
        "call_gex": 227.16,
        "put_gex": -97.21,
        "net_gex": 129.95
      },
      {
        "strike": 87.5,
        "call_gex": 76.49,
        "put_gex": 0.0,
        "net_gex": 76.49
      },
      {
        "strike": 90.0,
        "call_gex": 3098.15,
        "put_gex": -8.04,
        "net_gex": 3090.11
      },
      {
        "strike": 92.5,
        "call_gex": 152.42,
        "put_gex": 0.0,
        "net_gex": 152.42
      },
      {
        "strike": 95.0,
        "call_gex": 217.75,
        "put_gex": -5.03,
        "net_gex": 212.72
      },
      {
        "strike": 100.0,
        "call_gex": 866.24,
        "put_gex": -13.46,
        "net_gex": 852.78
      },
      {
        "strike": 105.0,
        "call_gex": 12.33,
        "put_gex": 0.0,
        "net_gex": 12.33
      },
      {
        "strike": 110.0,
        "call_gex": 26.64,
        "put_gex": 0.0,
        "net_gex": 26.64
      },
      {
        "strike": 115.0,
        "call_gex": 1.44,
        "put_gex": 0.0,
        "net_gex": 1.44
      },
      {
        "strike": 120.0,
        "call_gex": 154.52,
        "put_gex": 0.0,
        "net_gex": 154.52
      },
      {
        "strike": 125.0,
        "call_gex": 3.05,
        "put_gex": 0.0,
        "net_gex": 3.05
      },
      {
        "strike": 130.0,
        "call_gex": 0.0,
        "put_gex": 0.0,
        "net_gex": 0.0
      },
      {
        "strike": 135.0,
        "call_gex": 0.0,
        "put_gex": 0.0,
        "net_gex": 0.0
      }
    ]
  },
  "oi_changes": {
    "net_call_oi_change": 0,
    "net_put_oi_change": 5,
    "top": [
      {
        "strike": "80",
        "oi_change": 5,
        "type": "put"
      },
      {
        "strike": "90",
        "oi_change": 0,
        "type": "call"
      },
      {
        "strike": "100",
        "oi_change": 0,
        "type": "call"
      },
      {
        "strike": "77.5",
        "oi_change": 0,
        "type": "call"
      },
      {
        "strike": "120",
        "oi_change": 0,
        "type": "call"
      }
    ]
  }
}

Market Environment

Data:

{
  "vix": 15.45,
  "sp500": 7677.28,
  "fed_funds": 3.63,
  "yield_curve_10y2y": 0.47,
  "hy_spread": 2.69,
  "treasury": {
    "date": "2026-08-26",
    "month1": 3.8,
    "month2": 3.8,
    "month3": 3.85,
    "month6": 3.94,
    "year1": 4.02,
    "year2": 4.19,
    "year3": 4.29,
    "year5": 4.37,
    "year7": 4.51,
    "year10": 4.66,
    "year20": 5.17,
    "year30": 5.18
  },
  "events": [
    {
      "title": "Fed Chairman Warsh Speaks",
      "currency": "USD",
      "date": "2026-08-28",
      "time_utc": "14:00",
      "impact": "High",
      "forecast": null,
      "previous": null,
      "actual": null,
      "minutes_until": 39
    },
    {
      "title": "Prelim Benchmark Payrolls Revision",
      "currency": "USD",
      "date": "2026-08-28",
      "time_utc": "14:00",
      "impact": "High",
      "forecast": null,
      "previous": "-911K",
      "actual": null,
      "minutes_until": 39
    }
  ]
}

Intraday Patterns

Data:

{
  "days": 105,
  "patterns": [
    {
      "name": "VWAP Touch",
      "count": 105,
      "pct": 100
    },
    {
      "name": "9 EMA Touch",
      "count": 105,
      "pct": 100
    },
    {
      "name": "21 EMA Touch",
      "count": 105,
      "pct": 100
    },
    {
      "name": "ORB Breakout",
      "count": 102,
      "pct": 97
    },
    {
      "name": "Woodie Pivot Touch",
      "count": 98,
      "pct": 93
    },
    {
      "name": "PDH/PDL Touch",
      "count": 93,
      "pct": 89
    },
    {
      "name": "Open Retracement",
      "count": 80,
      "pct": 76
    },
    {
      "name": "Gap Fill",
      "count": 72,
      "pct": 69
    },
    {
      "name": "High Vol Open",
      "count": 27,
      "pct": 26
    },
    {
      "name": "Darvas Box",
      "count": 25,
      "pct": 24
    },
    {
      "name": "Power Hour",
      "count": 17,
      "pct": 16
    }
  ]
}