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    Can TransUnion’s (TRU) Upgraded Device Risk Tilt Its Narrative Toward Higher-Margin Fraud Solutions?

    Simply Wall St·12/23/2025 05:11:12
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    • Earlier this month, TransUnion introduced major enhancements to its Device Risk solution, adding cross-session device identification, adaptive machine learning, and advanced anomaly detection to help businesses combat increasingly sophisticated fraud that costs companies an average of 7.7% of annual revenue, or about US$534.00 billion.
    • By fusing thousands of real-time device and behavioral signals with continuously learning models and optional integration with its IP Intelligence database covering almost all IP addresses worldwide, TransUnion is positioning Device Risk as a more comprehensive tool for fraud prevention and digital trust.
    • We’ll now examine how TransUnion’s adaptive machine learning upgrade to Device Risk could influence its investment narrative around higher-margin fraud solutions.

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    TransUnion Investment Narrative Recap

    To own TransUnion, you need to believe it can keep shifting from commoditized credit data toward higher value digital identity and fraud solutions, while managing regulatory and cybersecurity risks. The Device Risk upgrade reinforces the near term catalyst around higher margin fraud offerings, but does not materially change the overarching risk that data privacy rules and cyber threats could still pressure growth and profitability.

    Among recent announcements, the continued rollout of the OneTru cloud platform stands out, because it underpins many of TransUnion’s newer products, including Device Risk and TruIQ analytics. If OneTru delivers on promises of faster product launches and better cross sell into fraud and identity use cases, that could support the thesis that earnings can grow faster than revenue as modernization spending tapers after 2025.

    Yet while these innovations are encouraging, investors should be aware that rising regulatory scrutiny and cyberattack risks could still...

    Read the full narrative on TransUnion (it's free!)

    TransUnion's narrative projects $5.6 billion revenue and $869.9 million earnings by 2028. This requires 8.4% yearly revenue growth and about a $478 million earnings increase from $392.0 million today.

    Uncover how TransUnion's forecasts yield a $107.25 fair value, a 22% upside to its current price.

    Exploring Other Perspectives

    TRU 1-Year Stock Price Chart
    TRU 1-Year Stock Price Chart

    Two members of the Simply Wall St Community currently see fair value for TransUnion between US$107.25 and US$137.64, highlighting how far opinions can spread even on the same stock. You can weigh these views against the idea that TransUnion’s push into higher margin fraud solutions might support earnings growth, but could also amplify exposure to data privacy and cybersecurity risks that affect long term performance.

    Explore 2 other fair value estimates on TransUnion - why the stock might be worth just $107.25!

    Build Your Own TransUnion Narrative

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    This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.