TransUnion (TRU) Stock: Buy, Sell, or Hold?
TRU - TransUnion
$65.59
3.41 (5.48%)
▲
5d:
-5.18%
30d:
-20.39%
90d:
-17.27%
WAIT
LOW Confidence
Analysis Updated: Oct 1, 2026 12:00 AM ET
Earnings: Oct 22, 2026
19d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: TRU shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: TRU shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$124.06
Based on 9.8% avg growth
INTRINSIC VALUE TODAY
$77.03
14.9% 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 14.0x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: TRU is currently trading at $65.59, which is considered oversold relative to its 30-day fair value range of $68.67 to $83.51. From a valuation perspective, the stock is trading at a discount (Forward PE: 11.2) compared to its historical average (14.0). Remarkably, the market is currently pricing in an annual earnings decline of 7.4% 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. Immediate support is located at $60.96, while resistance sits at $73.19. The stock is showing strong short-term momentum, up 5.5% recently.
Market Sentiment: TRU scores 25/100 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 $96.71 (+55.5%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, TRU is in a uptrend. Immediate support is located at $60.96, while resistance sits at $73.19. The stock is showing strong short-term momentum, up 5.5% recently.
Market Sentiment: TRU scores 25/100 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 $96.71 (+55.5%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$68.67 -
$83.51
Company Quality Score
42/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
61.9%
All Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (25/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+5.5%)
- BULLISH: Trading 55.5% below Wall St target ($96.71)
- WARNING: Composite score 42/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$68.67 -
$83.51
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$60.96
Resistance Level
$73.19
Current Trend
Uptrend
Technical data as of
Oct 1, 2026
Fundamental Context
Forward P/E (Next Year Est.)
11.16
Wall Street Target
$96.71
(+55.5%)
Revenue Growth (YoY)
14.9%
Earnings Growth (YoY)
32.1%
Profit Margin
15.1%
Valuation Discount vs History
-7.4% cheaper
PE vs Historical
11.2 vs 14.0
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-7.4%
(market-implied from PE analysis)
1-Year Target
$57.58
(-7%)
2-Year Target
$53.32
(-14%)
3-Year Target
$49.37
(-21%)
3-Yr Target (if PE normalizes)
(PE: 11→14)
$61.94
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.4, Growth: 15.6%)
$175.63
(+183%)
Base:
(SPY PE: 11.2, Growth: 15.6%)
$96.08
(+55%)
Bear:
(PE: 9.5, Growth: 15.6%)
$81.67
(+31%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (16x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 16.13 | Current EPS (TTM): $3.79
Bull Case
$98.84
(+59%)
Analyst growth 47.0%, PE expands to 17.7
Base Case
$89.86
(+45%)
Market implied 47.0%, PE stable at 16.1
Bear Case
$41.56
(-33%)
Severe decline -20.0%, PE contracts to 13.7
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 11.2 to 14.0
Stabilization Target:
$78.01
(+25.5%)
PE Expansion Potential:
+25.5%
Share & Embed Analysis
Last updated: October 02, 2026 10:40 AM ET
Data refreshes hourly during market hours. Next update: 11:40 AM
Data refreshes hourly during market hours. Next update: 11:40 AM
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Technical Signals Check
Is TRU showing a specific setup today?
Insider Activity (6 Months)
0
Buys
1
Sells
Net
INSIDERS SELLING
Recent Transactions
Heather J Russell
SELL
1983 shares
2026-04-21
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