TRU Stock Analysis: Buy, Sell, or Hold?
TRU - TransUnion
$69.32
0.53 (0.77%)
ā²
5d:
+1.58%
30d:
-10.53%
90d:
-19.16%
BUY
HIGH Confidence
Analysis Updated: Apr 2, 2026 12:00 AM ET
Earnings: Apr 28, 2026
24d
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Interactive Price Chart (1 Month)
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Bottom Line:
ā BUY SIGNAL: TRU appears deeply undervalued. Market expects -8.3% annual earnings decline despite 53% recent earnings growth. Contrarian opportunity at discount to historical valuation.
ā BUY SIGNAL: TRU appears deeply undervalued. Market expects -8.3% annual earnings decline despite 53% recent earnings growth. Contrarian opportunity at discount to historical valuation.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$160.56
Based on 12.5% avg growth
INTRINSIC VALUE TODAY
$99.70
30.5% 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 15.3x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: TRU is currently trading at $69.32, which is considered slightly low relative to its 30-day fair value range of $68.54 to $76.44. From a valuation perspective, the stock is trading at a discount (Forward PE: 11.8) compared to its historical average (15.3). Remarkably, the market is currently pricing in an annual earnings decline of 8.3% over the next few years. This pessimistic expectation contrasts with the company's recent 52.8% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, TRU is in a strong downtrend. Immediate support is located at $65.44, while resistance sits at $73.79.
Market Sentiment: The stock shows a mixed technical setup (45/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $94.20 (+35.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, TRU is in a strong downtrend. Immediate support is located at $65.44, while resistance sits at $73.79.
Market Sentiment: The stock shows a mixed technical setup (45/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $94.20 (+35.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Fair Price Range
$68.54 -
$76.44
Company Quality Score
57/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
79.5%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (45/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 35.9% below Wall St target ($94.20)
Fair Price Analysis
30-Day Fair Range
$68.54 -
$76.44
Current vs Fair Value
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$65.44
Resistance Level
$73.79
Current Trend
Strong Downtrend
Technical data as of
Apr 2, 2026
Fundamental Context
Forward P/E (Next Year Est.)
11.82
Wall Street Target
$94.20
(+35.9%)
Revenue Growth (YoY)
13.0%
Earnings Growth (YoY)
52.8%
Profit Margin
10.0%
Valuation Discount vs History
-8.3% cheaper
PE vs Historical
11.8 vs 15.3
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-8.3%
(market-implied from PE analysis)
1-Year Target
$63.57
(-8%)
2-Year Target
$58.29
(-16%)
3-Year Target
$53.45
(-23%)
3-Yr Target (if PE normalizes)
(PE: 12ā15)
$69.20
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.6, Growth: 21.0%)
$213.81
(+208%)
Base:
(SPY PE: 11.8, Growth: 21.0%)
$122.85
(+77%)
Bear:
(PE: 10.0, Growth: 21.0%)
$104.42
(+51%)
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Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (30x PE), but valuation improves significantly next year (12x PE) as earnings recover.
Trailing PE: 30.41 | Current EPS (TTM): $2.32
Bull Case
$155.21
(+117%)
Analyst growth 100.0%, PE expands to 33.5
Base Case
$141.10
(+97%)
Market implied 100.0%, PE stable at 30.4
Bear Case
$47.97
(-33%)
Severe decline -20.0%, PE contracts to 25.9
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 11.8 to 15.3
Stabilization Target:
$89.74
(+29.5%)
PE Expansion Potential:
+29.5%
Share & Embed Analysis
Last updated: April 02, 2026 11:53 PM ET
Data refreshes hourly during market hours. Next update: 12:53 AM
Data refreshes hourly during market hours. Next update: 12:53 AM
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Technical Signals Check
Is TRU showing a specific setup today?
Insider Activity (6 Months)
0
Buys
9
Sells
Net
INSIDERS SELLING
Recent Transactions
Heather J Russell
SELL
4067 shares
2026-03-06
Jennifer A Williams
SELL
1679 shares
2026-03-03
Todd C Skinner
SELL
500 shares
2026-02-02
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