TransUnion (TRU) Stock: Buy, Sell, or Hold?
TRU - TransUnion
$83.46
4.53 (5.74%)
▲
5d:
+12.6%
30d:
+17.63%
90d:
+9.08%
WAIT
LOW Confidence
Analysis Updated: Oct 22, 2026 12:00 AM ET
Earnings: Oct 27, 2026
4d
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Interactive Price Chart (1 Month)
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Bottom Line:
⏸️ WAIT FOR BETTER ENTRY: TRU is 10.1% above its trading range ($75.77). Market expects 1.4% annual growth, but current price leaves little margin for error. While momentum could continue, risk/reward favors waiting for a pullback.
⏸️ WAIT FOR BETTER ENTRY: TRU is 10.1% above its trading range ($75.77). Market expects 1.4% annual growth, but current price leaves little margin for error. While momentum could continue, risk/reward favors waiting for a pullback.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$113.89
Based on 8.6% avg growth
INTRINSIC VALUE TODAY
$70.72
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 $83.46, which is considered extended relative to its 30-day fair value range of $64.02 to $75.77. The stock's valuation (Forward PE: 14.5) is in line with its historical norms (13.9). At these levels, the market is pricing in 1.4% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, TRU is in a uptrend. The price is approaching resistance at $80.65. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 5.7% recently.
Market Sentiment: TRU scores 15/100 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 $88.81 (+12.5%). 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 $80.65. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 5.7% recently.
Market Sentiment: TRU scores 15/100 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 $88.81 (+12.5%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$64.02 -
$75.77
Company Quality Score
36/100
(SELL)
Volume Confirmation
HIGH
Confidence Score
22.4%
All Signals
- BEARISH: Price significantly overextended (+10.1% above its trading range)
- BEARISH: Weak technical setup (15/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+5.7%)
- BULLISH: Trading below Wall St target ($88.81)
- NEUTRAL: Market pricing in 1.4% annual earnings growth - fairly valued
- WARNING: Composite score 36/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$64.02 -
$75.77
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$62.40
Resistance Level
$80.65
Current Trend
Uptrend
Technical data as of
Oct 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
14.52
Wall Street Target
$88.81
(+12.5%)
Revenue Growth (YoY)
14.9%
Earnings Growth (YoY)
32.1%
Profit Margin
15.1%
Valuation Premium vs History
+1.4% premium
PE vs Historical
14.5 vs 13.9
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.4%
(market-implied from PE analysis)
1-Year Target
$80.04
(+1%)
2-Year Target
$81.16
(+3%)
3-Year Target
$82.29
(+4%)
3-Yr Target (if PE normalizes)
(PE: 15→14)
PE COMPRESSION
$78.78
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 13.2%)
$156.66
(+99%)
Base:
(SPY PE: 14.5, Growth: 13.2%)
$114.53
(+45%)
Bear:
(PE: 12.3, Growth: 13.2%)
$97.35
(+23%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (21x PE), but valuation improves significantly next year (15x PE) as earnings recover.
Trailing PE: 20.64 | Current EPS (TTM): $3.79
Bull Case
$123.43
(+56%)
Analyst growth 43.4%, PE expands to 22.7
Base Case
$112.21
(+42%)
Market implied 43.4%, PE stable at 20.6
Bear Case
$53.20
(-33%)
Severe decline -20.0%, PE contracts to 17.6
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 22, 2026 12:42 PM ET
Data refreshes hourly during market hours. Next update: 1:42 PM
Data refreshes hourly during market hours. Next update: 1:42 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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