Should I Buy TRU? TRU 2026 Analysis

Should You Buy TransUnion (TRU) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Hold

Latest Price

80.680

1 Day change

-0.60%

52 Week Range

101.190

Analysis Updated At

2026/01/26

TransUnion (TRU) is not a strong buy at the moment for a beginner investor with a long-term focus. While the company has demonstrated strong financial growth in its latest quarter, the technical indicators are bearish, and the options data suggests a negative sentiment. Additionally, recent news highlights concerns about the credit bureau sector, which could weigh on the stock in the near term. Given the lack of strong positive catalysts and the absence of Intellectia Proprietary Trading Signals, holding off on a purchase is recommended.

Technical Analysis

The technical indicators for TRU are bearish. The MACD histogram is negative and expanding downward, the RSI is neutral at 46.083, and the moving averages indicate a bearish trend (SMA_200 > SMA_20 > SMA_5). The stock is trading below its pivot level of 85.245, with key support at 82.414 and resistance at 88.075.

Options Data

Bullish

Open Interest Put-Call Ratio

Bearish

Option Volume Put-Call Ratio

The low Put-Call Open Interest Ratio (0.21) indicates more call interest, but the high Option Volume Put-Call Ratio (8.09) suggests heavy put activity, reflecting bearish sentiment. Today's volume is significantly higher than the 30-day average, indicating increased activity.

Technical Summary

Sell

Buy

Positive Catalysts

Vulcan Value Partners increased holdings in TransUnion, reflecting confidence in the company. The company reported strong financial growth in Q3 2025, with revenue up 7.79% YoY and net income up 42.06% YoY.

Neutral/Negative Catalysts

Stocks of TransUnion dipped following comments from Pulte on credit bureaus, raising market concerns. The technical indicators and options data suggest bearish sentiment. No recent congress trading data or Intellectia Proprietary Trading Signals to support a buy decision.

Financial Performance

In Q3 2025, TransUnion reported strong financial growth. Revenue increased to $1.1695 billion, up 7.79% YoY. Net income rose to $96.6 million, up 42.06% YoY. EPS increased by 40% to 0.49, and gross margin improved slightly to 46.48%.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Morgan Stanley recently lowered the price target from $122 to $120 but maintained an Overweight rating, citing the importance of AI as a theme in the Info Services sector. This suggests cautious optimism but reflects a slight downward adjustment in expectations.

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 USD and a high forecast of 125 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: 81.170

Low

Averages

102.71

High

125

Current: 81.170

Low

Averages

102.71

High

125

Morgan Stanley

Overweight

downgrade

$122 -> $120

AI Analysis

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.

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TRU Should I Buy

TRU Should I Buy

Should You Buy TransUnion (TRU) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

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