Should I Buy TRU? TRU 2026 Analysis

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

Conclusion

Hold

Latest Price

73.480

1 Day change

4.64%

52 Week Range

101.190

Analysis Updated At

2026/01/30

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Not a good buy right now. TRU is in a clear short-term downtrend (bearish moving-average stack and worsening MACD) and just slipped below the S1 support (~79.67) to ~79.02 post-market. While fundamentals are improving and a technical bounce is possible from oversold conditions, the tape is still bearish and options flow is signaling near-term caution. For an impatient buyer who doesn’t want to wait for confirmation, the risk/reward is unfavorable today—this is a HOLD/avoid new entry until price at least reclaims ~79.7–82.6 and momentum stabilizes.

Technical Analysis

Trend/price action:

Price: ~79.02 post-market (-2.06% regular session), trading below the Pivot (82.646) and slightly below S1 (79.67), suggesting a support break and weak demand.

Momentum:

MACD histogram: -0.637 and negatively expanding → bearish momentum is strengthening rather than stabilizing.
RSI(6): 27.57 → oversold/washed-out in the very short term (bounce potential), but oversold can persist in downtrends.

Moving averages:

Bearish alignment: SMA_200 > SMA_20 > SMA_5 → confirms a broader downtrend with weak near-term trend.

Key levels:

Immediate resistance: 79.67 (former S1, now first hurdle), then Pivot 82.65, then R1 85.62.
Next supports: S2 77.83 (if weakness continues).

Pattern-based probabilistic trend (provided):

~80% chance of +1.68% next day and +2.97% next week, but -2.05% next month → favors short bounce attempts, not a clean swing-long setup today.

Intellectia Proprietary Trading Signals

AI Stock Picker: No signal on given stock today.
SwingMax: No signal on given stock recently.

Options Data

Bullish

Open Interest Put-Call Ratio

Bearish

Option Volume Put-Call Ratio

Sentiment and positioning:

Open Interest PCR (0.21): call-heavy positioning overall (bullish longer-dated/structural positioning).
Volume PCR (8.09) with today’s volume far above average (~579% of 30D avg): heavy put trading today, consistent with near-term hedging/speculation bearishness during the selloff.

Volatility:

Implied vol (30D) ~38.22 vs historical vol ~28.23 → options are pricing elevated near-term uncertainty.
IV percentile ~57: mid-to-high relative range (not extreme panic, but not cheap).

Technical Summary

Sell

Buy

Positive Catalysts

on 2026-02-12 pre-market could act as an upside catalyst if results/guide beat expectations.

Neutral/Negative Catalysts

- Technical breakdown risk: price is below key pivot and under S1 support, with bearish momentum expanding (MACD). Another leg down toward ~77.8 is plausible.
- Options flow is defensive today: very high put volume versus calls suggests near-term caution and potential continued volatility.
- Event risk into earnings (2026-02-12): if guidance disappoints, the current downtrend could accelerate.

Financial Performance

Latest quarter: 2025/Q3

Revenue: $1.1695B, +7.79% YoY (steady top-line growth)
Net income: $96.6M, +42.06% YoY (meaningful profitability improvement)
EPS: $0.49, +40.00% YoY (strong earnings leverage)
Gross margin: 46.48%, +0.32 YoY (slight improvement) Overall: growth is positive with accelerating earnings, but the market is currently trading the stock on risk/momentum (downtrend) rather than rewarding the improving prints.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Recent change: Morgan Stanley (2025-12-17) kept Overweight and slightly lowered price target to $120 from $122. Wall Street view (pros/cons):

Pros: Maintained Overweight suggests continued confidence; analyst frames AI as a continuing theme in information services leaders into 2026.
Cons: Even supportive analysts trimmed the target slightly, implying modestly reduced near-term upside expectations; current market action is not aligning with the bullish long-term thesis in the short run. Other flows:
Hedge funds: Neutral (no significant trend last quarter).
Insiders: Neutral (no significant trend last month).
Politicians/Congress: No recent congress trading data available.

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: 70.220

Low

Averages

102.71

High

125

Current: 70.220

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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