TransUnion (TRU) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
TransUnion stock (TRU) is currently trading at $67.72. TransUnion PE ratio is 29.58. TransUnion PS ratio (Price-to-Sales) is 2.91. Analyst consensus price target for TRU is $94.60. WallStSmart rates TRU as Moderate Buy.
- TRU PE ratio analysis and historical PE chart
- TRU PS ratio (Price-to-Sales) history and trend
- TRU intrinsic value — DCF, Graham Number, EPV models
- TRU stock price prediction 2025 2026 2027 2028 2029 2030
- TRU fair value vs current price
- TRU insider transactions and insider buying
- Is TRU undervalued or overvalued?
- TransUnion financial analysis — revenue, earnings, cash flow
- TRU Piotroski F-Score and Altman Z-Score
- TRU analyst price target and Smart Rating
TransUnion
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TRU Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · TransUnion (TRU)
TRU trades at a significant discount to its Graham intrinsic value of $108.58, offering a 34% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
TransUnion (TRU) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in market cap, peg ratio, eps growth. Overall metrics suggest strong investment potential with favorable risk/reward.
TransUnion (TRU) Key Strengths (4)
Earnings per share surging 52.80% year-over-year
108.75% of shares held by major funds and institutions
Large-cap company with substantial market presence
Good growth relative to its price
Supporting Valuation Data
TransUnion (TRU) Areas to Watch (6)
Premium pricing at 3.1x book value
Thin profit margins with limited profitability
Moderate profitability with room for improvement
Decent operational efficiency, solid but not exceptional
Revenue is fairly priced at 2.91x sales
Solid revenue growth at 13.00% per year
Supporting Valuation Data
TransUnion (TRU) Detailed Analysis Report
Overall Assessment
This company scores 66/100 in our Smart Analysis, earning a B- grade. Out of 10 metrics analyzed, 4 register as strengths (avg 9.3/10) while 6 fall into concern territory (avg 5.2/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on EPS Growth, Institutional Own., Market Cap. Valuation metrics including PEG Ratio (1.14) suggest the stock is attractively priced. Growth metrics are encouraging with EPS Growth at 52.80%.
The Bear Case
The primary concerns are Price/Book, Profit Margin, Return on Equity. Some valuation metrics including Price/Sales (2.91), Price/Book (3.06) suggest expensive pricing. Growth concerns include Revenue Growth at 13.00%, which may limit upside. Profitability pressure is visible in Return on Equity at 10.60%, Operating Margin at 17.50%, Profit Margin at 9.95%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Price/Book improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 10.60% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 13.00% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (EPS Growth, Institutional Own.) and negatives (Price/Book, Profit Margin). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
TRU Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
TRU's Price-to-Sales ratio of 2.91x trades 39% below its historical average of 4.81x (3th percentile). The current valuation is 64% below its historical high of 8.2x set in Jul 2021, and 31% above its historical low of 2.23x in Oct 2023. Over the past 12 months, the PS ratio has compressed from ~3.9x as trailing revenue scaled faster than the stock price.
WallStSmart Analysis Synopsis
Data-driven financial summary for TransUnion (TRU) · FINANCIAL SERVICES › FINANCIAL DATA & STOCK EXCHANGES
The Big Picture
TransUnion operates as a stable business with moderate growth and solid fundamentals. Revenue reached 4.6B with 13% growth year-over-year. Profit margins are thin at 9.9%, typical for companies in this phase that are reinvesting heavily in growth.
Key Findings
ROE of 1060.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Generating 223M in free cash flow and 320M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Margin expansion: can TransUnion push profit margins above 15% as the business scales?
Volatility is elevated with a beta of 1.70, so expect amplified moves relative to the broader market.
Debt management: total debt of 5.1B is significantly higher than cash (854M). Monitor refinancing risk.
Sector dynamics: monitor FINANCIAL DATA & STOCK EXCHANGES industry trends, competitive moves, and regulatory changes that could impact TransUnion.
Bottom Line
TransUnion offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About TransUnion(TRU)
NYSE
FINANCIAL SERVICES
FINANCIAL DATA & STOCK EXCHANG...
USA
TransUnion offers risk and information solutions. The company is headquartered in Chicago, Illinois.