Class Action Lawsuit: A Republican, Wayne Johnson, is funding a class action lawsuit against the Biden administration's student loan policies, claiming violations of the Fair Credit Reporting Act due to inaccurate reporting of borrowers' payment statuses.
Impact on Borrowers: The lawsuit highlights that over 40 million Americans with student loans are facing difficulties, with many unable to make payments due to operational issues within the Education Department, leading to damaged credit scores.
Collection Efforts Resumed: The Trump administration has restarted collection efforts on defaulted student loans, reversing the previous administration's approach that focused on providing repayment options, which has put millions of borrowers at risk.
Criticism of Education Department: Experts criticize the Education Department for its aggressive collection tactics, arguing that many borrowers are unable to pay due to systemic issues, and that the department's actions have unfairly labeled them as delinquent.
Wall Street analysts forecast TRU stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for TRU is 102.71 USD with a low forecast of 80.00 USD and a high forecast of 125.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
15 Analyst Rating
Wall Street analysts forecast TRU stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for TRU is 102.71 USD with a low forecast of 80.00 USD and a high forecast of 125.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
11 Buy
3 Hold
1 Sell
Moderate Buy
Current: 85.800
Low
80.00
Averages
102.71
High
125.00
Current: 85.800
Low
80.00
Averages
102.71
High
125.00
Morgan Stanley
Overweight
downgrade
$122 -> $120
2025-12-17
Reason
Morgan Stanley
Price Target
$122 -> $120
AI Analysis
2025-12-17
downgrade
Overweight
Reason
Morgan Stanley lowered the firm's price target on TransUnion to $120 from $122 and keeps an Overweight rating on the shares. 2025 marked a shift in Info Services, bifurcating leaders and laggards in the group based on AI, notes the analyst, who assumes AI will continue to be an important theme in 2026 among the group.
BofA
Wahid Amin
Underperform
maintain
$75 -> $80
2025-10-27
Reason
BofA
Wahid Amin
Price Target
$75 -> $80
2025-10-27
maintain
Underperform
Reason
BofA analyst Wahid Amin raised the firm's price target on TransUnion to $80 from $75 and keeps an Underperform rating on the shares after the company reported Q3 results that beat the firm's and the Street's expectations, largely driven by outsized mortgage growth. The firm foresees TransUnion taking "a cautionary tone" to their guidance for 2026, in efforts to continue beat and raises, but thinks the company will be going against a year of difficult comparison given the outsized growth in 2025, largely driven by accelerated mortgage pricing, and wins in some non-mortgage areas, the analyst tells investors.
Unlock Full Analyst Thesis， Get the complete breakdown of rating reason for TRU
Unlock Now
UBS
Neutral
maintain
$87 -> $90
2025-10-24
Reason
UBS
Price Target
$87 -> $90
2025-10-24
maintain
Neutral
Reason
UBS raised the firm's price target on TransUnion to $90 from $87 and keeps a Neutral rating on the shares.
Baird
Jeffrey Meuler
Outperform
downgrade
$135 -> $125
2025-10-24
Reason
Baird
Jeffrey Meuler
Price Target
$135 -> $125
2025-10-24
downgrade
Outperform
Reason
Baird analyst Jeffrey Meuler lowered the firm's price target on TransUnion to $125 from $135 and keeps an Outperform rating on the shares. The firm updated its model following Q3 results which showed strong results and valuation remaining attractive.
About TRU
TransUnion is a global information and insights company. The Company operates through two segments: U.S. Markets and International. The U.S. Markets segment provides consumer reports, actionable insights and analytics to businesses. These businesses use the Company’s services to engage and acquire customers, assess consumer ability to pay for services, identify cross-selling opportunities, measure and manage debt portfolio risk, collect debt, verify consumer identities and mitigate fraud risk. The International segment provides services similar to its U.S. Markets segment to businesses in select regions outside the United States. Depending on the maturity of the credit economy in each country, services may include credit reports, analytics and technology solutions services and other value-added risk management services. It also has insurance, business and automotive databases in select geographies. It also owns Monevo, a credit prequalification and distribution platform.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
