TRU
TransUnion
SERVICES-CONSUMER CREDIT REPORTING, COLLECTION AGENCIES
TransUnion (TRU) Stock: Buy, Sell, or Hold?
$81.76
-0.25 (-0.30%)
âŧ
5d:
-0.45%
30d:
+21.14%
90d:
+0.78%
QUANTITATIVE VERDICT
WAIT
LOW Confidence (41%)
Quality Score
34/100
Position
SLIGHTLY HIGH
30-Day Fair Range
$68.01 â $81.71
Position: SLIGHTLY HIGH
Forward P/E & Valuation
15.4x
FAIR
vs 14.0x historical avg
Wall Street Target
$90.29
+10.1% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$74.15 / $84.01
Trend: Uptrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
âšī¸ NEUTRAL: TRU is fairly priced but lacks strong directional signals. At 3.2% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$104.02
Based on 6.8% avg growth
INTRINSIC VALUE TODAY
$64.59
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 14.0x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: TRU is currently trading at $81.76, which is considered slightly high relative to its 30-day fair value range of $68.01 to $81.71. The stock's valuation (Forward PE: 15.4) is in line with its historical norms (14.0). At these levels, the market is pricing in 3.2% 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 $84.01. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: TRU scores 8/100 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 $90.29 (+10.1%). 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 $84.01. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: TRU scores 8/100 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 $90.29 (+10.1%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$68.01 -
$81.71
Company Quality Score
34/100
(SELL)
Volume Confirmation
HIGH
Confidence Score
41.4%
Trading Range & Key Levels
30-Day Trading Range
$68.01 -
$81.71
Current vs Trading Range
SLIGHTLY HIGH
Support Level
$74.15
Resistance Level
$84.01
Current Trend
Uptrend
Technical data as of
Nov 11, 2026
Quantitative Signal Breakdown
- BEARISH: Weak technical setup (8/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($90.29)
- NEUTRAL: Market pricing in 3.2% annual earnings growth - fairly valued
- WARNING: Composite score 34/100 in the bottom quintile â this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
15.36
Wall Street Target
$90.29
(+10.1%)
Revenue Growth (YoY)
12.2%
Earnings Growth (YoY)
65.3%
Profit Margin
15.8%
Valuation Premium vs History
+3.2% premium
PE vs Historical
15.4 vs 14.0
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.2%
(market-implied from PE analysis)
1-Year Target
$84.63
(+3%)
2-Year Target
$87.34
(+7%)
3-Year Target
$90.14
(+10%)
3-Yr Target (if PE normalizes)
(PE: 15â14)
PE COMPRESSION
$82.16
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 9.7%)
$140.15
(+71%)
Base:
(SPY PE: 15.4, Growth: 9.7%)
$108.39
(+32%)
Bear:
(PE: 13.1, Growth: 9.7%)
$92.13
(+12%)
đ
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (20x PE), but valuation improves significantly next year (15x PE) as earnings recover.
Trailing PE: 20.22 | Current EPS (TTM): $4.11
Bull Case
$118.76
(+45%)
Analyst growth 29.9%, PE expands to 22.2
Base Case
$107.97
(+32%)
Market implied 29.9%, PE stable at 20.2
Bear Case
$56.51
(-31%)
Severe decline -20.0%, PE contracts to 17.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (TRU)
Bullish
2 Retail Mentions
Reddit / WSB Comments
1
Bearish
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
Nov 2, 2026
Daily AI digest
AI Retail Discussion Summary:
TransUnion reported Q3 2026 earnings with revenue in line with expectations, but missed quarterly revenue guidance. The non-GAAP EPS of $1.25 was a 3.2% beat. The company raised its full-year adjusted EPS guidance and maintained EBITDA guidance.
Key Retail Themes:
Earnings Report
Revenue Performance
Guidance
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 11, 2026 3:20 PM ET
Data refreshes hourly during market hours. Next update: 4:20 PM
Data refreshes hourly during market hours. Next update: 4:20 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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