TransUnion Trading Volume Drops 46% to $254 Million Despite Stock Price Rise

On May 22, 2025, TransUnion (TRU) saw a trading volume of $254 million, marking a 46.08% decrease from the previous day. The stock price rose by 2.49%.

TransUnion's Q1 2025 Credit Industry Insights Report revealed that while total consumer credit balances grew from $14.1 trillion to $18.0 trillion between Q1 2020 and Q1 2025, the inflation-adjusted growth was only 3%. This modest increase indicates that consumers are managing their debt responsibly despite persistent inflation. The report also highlighted that most credit risk tiers saw real balance declines, with prime consumers experiencing a 14% drop, while super prime saw 18% growth mainly due to mortgages. Only subprime showed a modest 1.9% real increase.

Credit card delinquencies (90+ days) decreased to 2.43%, marking two consecutive quarters of year-over-year decline. Personal loan originations hit a record 6.3 million in Q4 2024, with a 26% increase over the previous year. Mortgage originations increased 30.2% year-over-year to 1.2 million, though delinquencies rose to 1.44%. Auto loan originations grew 8% year-over-year to 6.2 million, with super prime leading at 15.7% growth.

TransUnion's analysis suggests that consumers are largely managing their debt responsibly despite persistent inflation. The data indicates that while nominal consumer debt grew 28% from Q1 2020 to Q1 2025, inflation-adjusted growth was just 3%. This distinction is crucial as it transforms the interpretation of the data, revealing that most consumers are not over-extended. Super prime borrowers showed the strongest real balance growth at 18.2%, primarily due to mortgage activity, while prime and near prime tiers experienced significant real balance declines.

The report also noted that credit card delinquencies declined year-over-year for two consecutive quarters, and personal loan originations reached record levels with 6.3 million new accounts in Q4 2024. Mortgage originations increased 30.2% year-over-year in Q4 2024, though delinquencies ticked up slightly to 1.44%. Auto loan originations grew 8% year-over-year across all risk tiers, with super prime leading at 15.7% growth.