TransUnion (TRU) Stock: Buy, Sell, or Hold?
TRU - TransUnion
$74.08
-0.04 (-0.05%)
âŧ
5d:
+13.13%
30d:
+1.33%
90d:
-6.24%
WAIT
LOW Confidence
Analysis Updated: Oct 16, 2026 12:00 AM ET
Earnings: Oct 27, 2026
8d
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Interactive Price Chart (1 Month)
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Bottom Line:
âšī¸ NEUTRAL: TRU is fairly priced but lacks strong directional signals. At -1.1% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
âšī¸ NEUTRAL: TRU is fairly priced but lacks strong directional signals. At -1.1% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$118.62
Based on 9.3% avg growth
INTRINSIC VALUE TODAY
$73.65
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 13.9x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: TRU is currently trading at $74.08, which is considered slightly high relative to its 30-day fair value range of $64.26 to $75.21. The stock's valuation (Forward PE: 13.5) is in line with its historical norms (13.9). Remarkably, the market is currently pricing in an annual earnings decline of 1.1% over the next few years. This pessimistic expectation contrasts with the company's recent 32.1% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, TRU is in a uptrend. The price is approaching resistance at $75.89. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: TRU scores 23/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $89.76 (+21.2%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, TRU is in a uptrend. The price is approaching resistance at $75.89. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: TRU scores 23/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $89.76 (+21.2%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$64.26 -
$75.21
Company Quality Score
43/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
42.9%
All Signals
- BEARISH: Weak technical setup (23/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 21.2% below Wall St target ($89.76)
- WARNING: Composite score 43/100 in the bottom quintile â this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$64.26 -
$75.21
Current vs Trading Range
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$61.78
Resistance Level
$75.89
Current Trend
Uptrend
Technical data as of
Oct 16, 2026
Fundamental Context
Forward P/E (Next Year Est.)
13.47
Wall Street Target
$89.76
(+21.2%)
Revenue Growth (YoY)
14.9%
Earnings Growth (YoY)
32.1%
Profit Margin
15.1%
Valuation Discount vs History
-1.1% cheaper
PE vs Historical
13.5 vs 13.9
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.1%
(market-implied from PE analysis)
1-Year Target
$73.27
(-1%)
2-Year Target
$72.46
(-2%)
3-Year Target
$71.66
(-3%)
3-Yr Target (if PE normalizes)
(PE: 13â14)
$73.94
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 14.5%)
$163.88
(+121%)
Base:
(SPY PE: 13.5, Growth: 14.5%)
$111.16
(+50%)
Bear:
(PE: 11.5, Growth: 14.5%)
$94.49
(+28%)
đ
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (20x PE), but valuation improves significantly next year (13x PE) as earnings recover.
Trailing PE: 19.56 | Current EPS (TTM): $3.79
Bull Case
$118.30
(+60%)
Analyst growth 45.1%, PE expands to 21.5
Base Case
$107.54
(+45%)
Market implied 45.1%, PE stable at 19.6
Bear Case
$50.40
(-32%)
Severe decline -20.0%, PE contracts to 16.6
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
đĄ
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 13.5 to 13.9
Stabilization Target:
$76.44
(+3.2%)
PE Expansion Potential:
+3.2%
Share & Embed Analysis
Last updated: October 18, 2026 2:49 PM ET
Data refreshes hourly during market hours. Next update: 3:49 PM
Data refreshes hourly during market hours. Next update: 3:49 PM
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Technical Signals Check
Is TRU showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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