TRU · NYSE · STOCK
TransUnion (TRU) Stock Analysis
$71.90
52W $63.37 – $89.12
58/100
$13.68B
18.6
1.54
Is TRU Bullish or Bearish?
Mixed.
Innellis AI committee rates TransUnion (TRU) Watch with a composite score of 58/100
, based on 6 analysts with 67% agreement.
Last updated September 22, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +1.50 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -18.50 from today. The band boundary is 45.0, 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 committee is genuinely divided. Macro Analyst sees a compelling case — vix regime is low -- calm backdrop supports risk-taking. Risk Analyst remains cautious — bollinger bandwidth of 24.0% signals elevated volatility. This disagreement is itself the signal — the setup is not clean in either direction.
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
- VIX regime is low -- calm backdrop supports risk-taking — Macro
Bear Case
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- RSI at 20 is in oversold territory (could mean either capitulation or a bounce setup) — Technical
- MACD histogram negative -- bearish momentum — Technical
- Bollinger bandwidth of 24.0% signals elevated volatility — Risk
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 September 22, 2026
Overall Committee Score
58/100
Agreement
67%
Analysts
6
Conviction
Contested
Sector Rank
Top 71%
of 211 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
46
/ 100 · High confidence
Mixed or range-bound price action
+ Weekly trend (sideways) confirms the daily trend -- multi-timeframe agreement
− RSI at 20 is in oversold territory (could mean either capitulation or a bounce setup)
Risk Analyst
bearish
35
/ 100 · Low confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− Bollinger bandwidth of 24.0% signals elevated volatility
Macro Analyst
bullish
80
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst
bullish
60
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
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 56.1 to 58.5.
- Conviction changed from moderate to contested.
- New bearish signals: 3 appeared.
- New bullish signals: 1 appeared.
- Bearish pressure eased: 4 signal(s) disappeared.
Analyst-level changes:
- Macro Analyst: score 65->80 (+15); +1 bullish signal(s).
- Portfolio Manager: score 45->55 (+10); +1 bearish signal(s).
- Risk Analyst: +1 bearish signal(s).
- Technical Analyst: +1 bearish signal(s).
Comparing 2026-09-21 to 2026-09-22 (1 day apart).
Technical Analysis
RSI (14)
19.6
Oversold
MACD Histogram
-1.180
Bearish Momentum
Trend Direction
Sideways
Weekly: Sideways
Market Structure
Mixed
Support
$70.20
Resistance
$71.54
Bollinger %B
0.06
Inside Bands
Price vs Moving Averages
EMA 9
$75.24
Below
EMA 21
$77.92
Below
EMA 50
$78.25
Below
EMA 200
$77.49
Below
Fundamental Analysis
Valuation
88
Growth
73
Profitability
67
Financial Health
79
Cash Flow
70
Valuation
P/E Ratio
18.6×
P/B Ratio
2.84×
PEG Ratio
0.21
Dividend Yield
0.69%
52W High
$89.12
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 18.6 (inexpensive relative to a 15-40x range); Price-to-book of 2.8x; 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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