TransUnion (TRU) Stock: Buy, Sell, or Hold?
TRU - TransUnion
$77.70
0.75 (0.97%)
▲
5d:
-8.5%
30d:
-2.19%
90d:
+18.26%
WAIT
LOW Confidence
Analysis Updated: Sep 11, 2026 12:00 AM ET
Earnings: Oct 22, 2026
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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
$125.37
Based on 9.9% avg growth
INTRINSIC VALUE TODAY
$77.85
0.2% 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 $77.70, which is considered oversold relative to its 30-day fair value range of $78.69 to $84.26. The stock's valuation (Forward PE: 13.9) is in line with its historical norms (14.1). Remarkably, the market is currently pricing in an annual earnings decline of 0.5% 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 strong uptrend. Immediate support is located at $75.18, while resistance sits at $86.40.
Market Sentiment: TRU scores 17/100 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 $97.71 (+25.8%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, TRU is in a strong uptrend. Immediate support is located at $75.18, while resistance sits at $86.40.
Market Sentiment: TRU scores 17/100 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 $97.71 (+25.8%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$78.69 -
$84.26
Company Quality Score
45/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
57.1%
All Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (17/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 25.8% below Wall St target ($97.71)
- WARNING: Composite score 44/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$78.69 -
$84.26
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$75.18
Resistance Level
$86.40
Current Trend
Strong Uptrend
Technical data as of
Sep 11, 2026
Fundamental Context
Forward P/E (Next Year Est.)
13.93
Wall Street Target
$97.71
(+25.8%)
Revenue Growth (YoY)
14.9%
Earnings Growth (YoY)
32.1%
Profit Margin
15.1%
Valuation Discount vs History
-0.5% cheaper
PE vs Historical
13.9 vs 14.1
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.5%
(market-implied from PE analysis)
1-Year Target
$77.31
(-1%)
2-Year Target
$76.92
(-1%)
3-Year Target
$76.54
(-2%)
3-Yr Target (if PE normalizes)
(PE: 14→14)
$77.48
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 15.7%)
$174.14
(+124%)
Base:
(SPY PE: 13.9, Growth: 15.7%)
$120.25
(+55%)
Bear:
(PE: 11.8, Growth: 15.7%)
$102.22
(+32%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (20x PE), but valuation improves significantly next year (14x PE) as earnings recover.
Trailing PE: 20.30 | Current EPS (TTM): $3.79
Bull Case
$124.59
(+60%)
Analyst growth 47.2%, PE expands to 22.3
Base Case
$113.26
(+46%)
Market implied 47.2%, PE stable at 20.3
Bear Case
$52.33
(-33%)
Severe decline -20.0%, PE contracts to 17.3
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 13.9 to 14.1
Stabilization Target:
$78.66
(+1.2%)
PE Expansion Potential:
+1.2%
Share & Embed Analysis
Last updated: September 12, 2026 4:29 AM ET
Data refreshes hourly during market hours. Next update: 5:29 AM
Data refreshes hourly during market hours. Next update: 5:29 AM
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Technical Signals Check
Is TRU showing a specific setup today?
Insider Activity (6 Months)
0
Buys
3
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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