NASDAQ · STOCK
TransUnion
$78.64
52W $63.37 – $95.50
57/100
$15.06B
20.5
1.54
Is TRU Bullish or Bearish?
Bullish.
Innellis AI committee rates TransUnion (TRU) Buy with a composite score of 57/100
, based on 5 analysts with 60% agreement.
Last updated July 31, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +17.51 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 — -2.49 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
Some positive signals exist — news sentiment is positive (+0.27 across 42 articles, 14d) — but they are not yet strong enough to justify a Buy. The committee is monitoring for confirmation.
Bull & Bear Case
Bull Case
- 5 consecutive earnings beats -- consistent execution — Growth
- MACD histogram positive -- bullish momentum — Technical
- Weekly trend (sideways) confirms the daily trend -- multi-timeframe agreement — Technical
- Market regime is bullish (Bull market -- normal position sizing) — Macro
- News sentiment is positive (+0.27 across 42 articles, 14d) — News
Bear Case
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
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 July 31, 2026
Overall Committee Score
57/100
Agreement
60%
Analysts
5
Conviction
Moderate
Sector Rank
Top 57%
of 141 Financial Services peers
Growth Analyst
neutral
58
/ 100 · Moderate confidence
Moderate growth -- present but not remarkable
+ 5 consecutive earnings beats -- consistent execution
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ MACD histogram positive -- bullish momentum
Macro Analyst
neutral
58
/ 100 · Moderate confidence
Macro backdrop is mixed or neutral -- not a strong tailwind or headwind either way
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
66
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.27 across 42 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2744.14)
Investment Thesis Evolution
Committee score moved marginally from 59.5 to 57.5.
- Committee agreement fell modestly from 67% to 60%.
- New bearish signals: 2 appeared.
- Bullish support removed: 3 signal(s) disappeared.
- New bullish signals: 2 appeared.
- Bearish pressure eased: 4 signal(s) disappeared.
- Analyst(s) changed stance: Growth Analyst, Macro Analyst, Technical Analyst.
- Analyst(s) abstained: Value Analyst.
Analyst-level changes:
- Growth Analyst: stance bullish->neutral; score 66->58 (-9).
- Macro Analyst: stance bullish->neutral; score 65->58 (-8); +1 bullish signal(s).
- News Analyst: +1 bullish signal(s).
- Portfolio Manager: +2 bearish signal(s).
- Technical Analyst: stance neutral->bullish; score 54->61 (+8).
- Value Analyst abstained (was bullish at 63).
Comparing 2026-07-30 to 2026-07-31 (1 day apart).
Technical Analysis
RSI (14)
50.9
Neutral
MACD Histogram
0.076
Bullish Momentum
Trend Direction
Sideways
Weekly: Sideways
Market Structure
Lh Ll
Support
$78.12
Resistance
$80.08
Bollinger %B
0.56
Inside Bands
Price vs Moving Averages
EMA 9
$79.22
Below
EMA 21
$77.32
Above
EMA 50
$74.62
Above
EMA 200
$76.39
Above
Fundamental Analysis
Valuation
84
Growth
73
Profitability
0
Financial Health
79
Cash Flow
37
Valuation
P/E Ratio
20.5×
P/B Ratio
3.12×
PEG Ratio
0.23
Dividend Yield
0.01%
52W High
$95.50
52W Low
$63.37
Quality & Growth
ROE
10.3%
ROA
4.1%
Gross Margin
55.8%
Operating Margin
22.1%
Revenue Growth YoY
—
Debt / Equity
1.17
AI Fundamental Assessment
P/E ratio of 20.5 (inexpensive relative to a 15-40x range); Price-to-book of 3.1x; PEG ratio of 0.2 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.1%; Return on assets of 0.0%; Net margin of 0.2%; Gross margin of 0.6%; Current ratio of 1.90 (healthy short-term liquidity); Debt-to-equity of 1.17; Free cash flow margin of 0.7% (thin cash generation); 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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