TRU Stock Analysis: Buy, Sell, or Hold?
TRU - TransUnion
$79.02
-1.66 (-2.06%)
ā¼
HOLD
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Feb 12, 2026
11d
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Interactive Price Chart (1 Month)
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Bottom Line:
š HOLD: TRU shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
š HOLD: TRU shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$130.15
Based on 9.0% avg growth
INTRINSIC VALUE TODAY
$80.81
2.2% 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 17.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: TRU is currently trading at $79.02, which is considered oversold relative to its 30-day fair value range of $82.40 to $87.01. The stock's valuation (Forward PE: 16.6) is in line with its historical norms (17.4). Remarkably, the market is currently pricing in an annual earnings decline of 1.6% over the next few years. This pessimistic expectation contrasts with the company's recent 40.2% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, TRU is in a uptrend. The price is currently testing key support at $78.66. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: TRU has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $105.50 (+30.8%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, TRU is in a uptrend. The price is currently testing key support at $78.66. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: TRU has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $105.50 (+30.8%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
OVERSOLD
Fair Price Range
$82.40 -
$87.01
Company Quality Score
45/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
57.1%
Protect Your Profits
Holding TRU? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (25/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 30.8% below Wall St target ($105.50)
- CAUTION: 5-day price weakness (-5.9%) - monitor closely
Fair Price Analysis
30-Day Fair Range
$82.40 -
$87.01
Current vs Fair Value
OVERSOLD
Support & Resistance Levels
Support Level
$78.66
Resistance Level
$86.39
Current Trend
Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
16.59
Wall Street Target
$105.50
(+30.8%)
Revenue Growth (YoY)
7.8%
Earnings Growth (YoY)
40.2%
Profit Margin
9.5%
Valuation Discount vs History
-1.6% cheaper
PE vs Historical
16.6 vs 17.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.6%
(market-implied from PE analysis)
1-Year Target
$79.39
(-2%)
2-Year Target
$78.12
(-3%)
3-Year Target
$76.87
(-5%)
3-Yr Target (if PE normalizes)
(PE: 17ā17)
$80.63
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 14.1%)
$161.30
(+100%)
Base:
(SPY PE: 16.6, Growth: 14.1%)
$119.99
(+49%)
Bear:
(PE: 14.1, Growth: 14.1%)
$101.99
(+26%)
š
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (38x PE), but valuation improves significantly next year (17x PE) as earnings recover.
Trailing PE: 37.93 | Current EPS (TTM): $2.14
Bull Case
$178.57
(+126%)
Analyst growth 100.0%, PE expands to 41.7
Base Case
$162.34
(+105%)
Market implied 100.0%, PE stable at 37.9
Bear Case
$55.20
(-30%)
Severe decline -20.0%, PE contracts to 32.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
š”
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 16.6 to 17.4
Stabilization Target:
$84.62
(+4.9%)
PE Expansion Potential:
+4.9%
Last updated: January 31, 2026 11:23 AM ET
Data refreshes hourly during market hours. Next update: 12:23 PM
Data refreshes hourly during market hours. Next update: 12:23 PM
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Technical Signals Check
Is TRU showing a specific setup today?
Insider Activity (6 Months)
0
Buys
6
Sells
Net
INSIDERS SELLING
Recent Transactions
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SELL
1000 shares
2025-10-01
Heather J Russell
SELL
5337 shares
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Steven M Chaouki
SELL
1000 shares
2025-09-02
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