TRU · NASDAQ · STOCK
TransUnion
$80.03
52W $63.37 – $95.50
64/100
$15.33B
20.9
1.54
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is TRU Bullish or Bearish?
Bullish.
Innellis AI committee rates TransUnion (TRU) Buy with a composite score of 64/100
, based on 5 analysts with 80% agreement.
Last updated August 08, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +10.67 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -9.33 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The primary driver is market regime is bullish (bull market -- normal position sizing). The main limiting factor is macd histogram negative -- bearish momentum. The committee is constructive but not yet at full conviction.
Bull & Bear Case
Bull Case
- ROE of 16.0% shows genuine earnings power backing the valuation — Value
- EPS growing 90.9% YoY — Growth
- 5 consecutive earnings beats -- consistent execution — Growth
- Weekly trend (sideways) confirms the daily trend -- multi-timeframe agreement — Technical
- Market regime is bullish (Bull market -- normal position sizing) — Macro
- Beta of 1.54 means this name should amplify a favorable market regime — Macro
Bear Case
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- MACD histogram negative -- bearish momentum — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 08, 2026
Overall Committee Score
64/100
Agreement
80%
Analysts
5
Conviction
High
Sector Rank
Top 49%
of 142 Financial Services peers
Value Analyst
bullish
63
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ ROE of 16.0% shows genuine earnings power backing the valuation
Growth Analyst
bullish
66
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ EPS growing 90.9% YoY
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
neutral
54
/ 100 · High confidence
Mixed or range-bound price action
+ Weekly trend (sideways) confirms the daily trend -- multi-timeframe agreement
− MACD histogram negative -- bearish momentum
Macro Analyst
bullish
70
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
68
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.33 across 42 articles, 14d)
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 4 existing position pair(s) are highly correlated already
Investment Thesis Evolution
Committee score moved marginally from 64.3 to 64.3.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 1 appeared.
Analyst-level changes:
- News Analyst: +1 bullish signal(s).
Comparing 2026-08-07 to 2026-08-08 (1 day apart).
Technical Analysis
RSI (14)
53.5
Neutral
MACD Histogram
-0.197
Bearish Momentum
Trend Direction
Sideways
Weekly: Sideways
Market Structure
Mixed
Support
$79.69
Resistance
$80.08
Bollinger %B
0.62
Inside Bands
Price vs Moving Averages
EMA 9
$79.80
Above
EMA 21
$78.39
Above
EMA 50
$75.63
Above
EMA 200
$76.57
Above
Fundamental Analysis
Valuation
84
Growth
73
Profitability
67
Financial Health
79
Cash Flow
70
Valuation
P/E Ratio
20.9×
P/B Ratio
3.18×
PEG Ratio
0.23
Dividend Yield
0.60%
52W High
$95.50
52W Low
$63.37
Quality & Growth
ROE
1025.9%
ROA
409.8%
Gross Margin
5575.8%
Operating Margin
2205.2%
Revenue Growth YoY
—
Debt / Equity
1.17
AI Fundamental Assessment
P/E ratio of 20.9 (inexpensive relative to a 15-40x range); Price-to-book of 3.2x; PEG ratio of 0.2 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 10.3%; Return on assets of 4.1%; Net margin of 17.3%; Gross margin of 55.8%; Current ratio of 1.90 (healthy short-term liquidity); Debt-to-equity of 1.17; Free cash flow per share is positive (4.10); Most recent quarter beat estimates by 6.5%; 5 consecutive earnings beats; EPS growth decelerating (+10.3% -> +4.2% QoQ); Average YoY EPS growth of 13.9%; Analyst estimates rising over recent quarters
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