TRU Stock Analysis: Buy, Sell, or Hold?
TRU - TransUnion
$76.21
1.19 (1.59%)
▲
5d:
-3.87%
30d:
+12.32%
90d:
+12.29%
HOLD
MODERATE Confidence
Analysis Updated: Jul 13, 2026 12:00 AM ET
Earnings: Jul 28, 2026
13d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: TRU shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: TRU shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$128.98
Based on 10.5% avg growth
INTRINSIC VALUE TODAY
$80.09
4.8% Margin of Safety
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 14.1x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: TRU is currently trading at $76.21, which is considered extended relative to its 30-day fair value range of $66.11 to $75.41. The stock's valuation (Forward PE: 13.6) is in line with its historical norms (14.1). 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 172.0% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, TRU is in a downtrend. The price is approaching resistance at $74.19. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: TRU has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $89.71 (+17.7%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, TRU is in a downtrend. The price is approaching resistance at $74.19. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: TRU has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $89.71 (+17.7%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$66.11 -
$75.41
Company Quality Score
63/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
59.5%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($89.71)
Trading Range Analysis
30-Day Trading Range
$66.11 -
$75.41
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$68.13
Resistance Level
$74.20
Current Trend
Downtrend
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
13.64
Wall Street Target
$89.71
(+17.7%)
Revenue Growth (YoY)
13.7%
Earnings Growth (YoY)
172.0%
Profit Margin
14.9%
Valuation Discount vs History
-1.1% cheaper
PE vs Historical
13.6 vs 14.1
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.1%
(market-implied from PE analysis)
1-Year Target
$75.37
(-1%)
2-Year Target
$74.54
(-2%)
3-Year Target
$73.72
(-3%)
3-Yr Target (if PE normalizes)
(PE: 14→14)
$76.23
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 16.9%)
$194.36
(+155%)
Base:
(SPY PE: 13.6, Growth: 16.9%)
$121.68
(+60%)
Bear:
(PE: 11.6, Growth: 16.9%)
$103.43
(+36%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (21x PE), but valuation improves significantly next year (14x PE) as earnings recover.
Trailing PE: 20.78 | Current EPS (TTM): $3.61
Bull Case
$127.76
(+68%)
Analyst growth 54.8%, PE expands to 22.9
Base Case
$116.15
(+52%)
Market implied 54.8%, PE stable at 20.8
Bear Case
$51.01
(-33%)
Severe decline -20.0%, PE contracts to 17.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 13.6 to 14.1
Stabilization Target:
$78.81
(+3.4%)
PE Expansion Potential:
+3.4%
Share & Embed Analysis
Last updated: July 13, 2026 8:43 PM ET
Data refreshes hourly during market hours. Next update: 9:43 PM
Data refreshes hourly during market hours. Next update: 9:43 PM
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Technical Signals Check
Is TRU showing a specific setup today?
Insider Activity (6 Months)
0
Buys
6
Sells
Net
INSIDERS SELLING
Recent Transactions
Heather J Russell
SELL
1983 shares
2026-04-21
Steven M Chaouki
SELL
5000 shares
2026-04-02
Todd C Skinner
SELL
500 shares
2026-04-01
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