TransUnion shares are trading higher after the company reported better-than-expected Q2 earnings results and raised its FY26 guidance. The company also issued Q3 financial guidance.

More Americans Have Access to Credit While Debt Growth Has Moderated

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 remained relatively stable despite affordability pressures. Credit card originations grew 11.8% YoY, personal loan balances hit a record $281 billion, and mortgage originations rose 26% YoY, though auto loan affordability challenges persist with monthly payments up 38.7% since 2019.

Stifel Maintains Buy on TransUnion, Raises Price Target to $96

Wells Fargo Maintains Overweight on TransUnion, Raises Price Target to $102

BMO Capital Maintains Outperform on TransUnion, Raises Price Target to $98