TRU Stock Analysis: Buy, Sell, or Hold?
TRU - TransUnion
$78.62
-1.64 (-2.04%)
▼
5d:
+2.76%
30d:
+5.57%
90d:
+10.73%
BUY
HIGH Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Jul 28, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: TRU shows strong fundamentals and good volume confirmation. Solid entry point despite slightly high pricing.
✅ BUY SIGNAL: TRU shows strong fundamentals and good volume confirmation. Solid entry point despite slightly high pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$125.74
Based on 9.8% avg growth
INTRINSIC VALUE TODAY
$78.08
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 14.1x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: TRU is currently trading at $78.62, which is considered slightly high relative to its 30-day fair value range of $70.81 to $80.42. The stock's valuation (Forward PE: 14.0) is in line with its historical norms (14.1). Remarkably, the market is currently pricing in an annual earnings decline of 0.2% 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 $72.79, while resistance sits at $86.49.
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 $96.24 (+22.4%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, TRU is in a uptrend. Immediate support is located at $72.79, while resistance sits at $86.49.
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 $96.24 (+22.4%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$70.81 -
$80.42
Company Quality Score
51/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
76.2%
All Signals
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 22.4% below Wall St target ($96.24)
Trading Range Analysis
30-Day Trading Range
$70.81 -
$80.42
Current vs Trading Range
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$72.79
Resistance Level
$86.49
Current Trend
Uptrend
Technical data as of
Jul 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
14.02
Wall Street Target
$96.24
(+22.4%)
Revenue Growth (YoY)
14.9%
Earnings Growth (YoY)
32.1%
Profit Margin
15.1%
Valuation Discount vs History
-0.2% cheaper
PE vs Historical
14.0 vs 14.1
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.2%
(market-implied from PE analysis)
1-Year Target
$78.46
(0%)
2-Year Target
$78.31
(0%)
3-Year Target
$78.15
(-1%)
3-Yr Target (if PE normalizes)
(PE: 14→14)
$78.59
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 15.6%)
$179.72
(+129%)
Base:
(SPY PE: 14.0, Growth: 15.6%)
$121.56
(+55%)
Bear:
(PE: 11.9, Growth: 15.6%)
$103.32
(+31%)
📈
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: 21.18 | Current EPS (TTM): $3.79
Bull Case
$130.62
(+66%)
Analyst growth 48.0%, PE expands to 23.3
Base Case
$118.75
(+51%)
Market implied 48.0%, PE stable at 21.2
Bear Case
$54.58
(-31%)
Severe decline -20.0%, PE contracts to 18.0
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 14.0 to 14.1
Stabilization Target:
$79.06
(+0.6%)
PE Expansion Potential:
+0.6%
Share & Embed Analysis
Last updated: August 03, 2026 1:53 AM ET
Data refreshes hourly during market hours. Next update: 2:53 AM
Data refreshes hourly during market hours. Next update: 2:53 AM
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Technical Signals Check
Is TRU showing a specific setup today?
Insider Activity (6 Months)
0
Buys
5
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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