B+
Bull case
25%
Probability
Target price
$88.00
Analysis reference price unavailable
Analysis 2026-09-29 · RankAlpha Sentiment Codex
TRU
TransUnionCNYSE / Commercial & Professional Services
Last Price
Quote time unavailable
Current thesis
Second-quarter revenue grew 15%, or 10% organically at constant currency, led by U.S. Financial Services and Emerging Verticals.
Posture
Mixed
Lead driver
Value
What changed
1 setup hits (3d) with net bullish as of 2026-10-27.
What can break
A successor CFO may not be appointed before December 31, requiring an interim appointment. [#8-K-2026-09-23]
Momentum
34
Value
53
Sentiment
52
Setup hits (3d)
1 · Net Bullish
AI TargetsBase $72.00 · Bull $88.00 · Bear $50.00Analysis 2026-09-29; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-27 • Vendor: Data Vendor v1
Scores
As of 2026-10-27 • Model: HYBRID_IC_RP
AI Memo
As of 2026-09-29 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-10-27
Investment thesis
As of 2026-10-27
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-27. Definitions
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Bullish
Target $89.68
Why
Momentum34 · Δ7d +15.2
Value53 · Δ7d +0.5
Sentiment52 · Δ7d -9.8
So what
Balanced signals (Net Bullish). Wait for confirmation before sizing up.
Confirming evidence
- • 1 setup hits (3d) with net bullish as of 2026-10-27.
- • Value remains the lead driver in the composite, 7D delta +0.5.
Contradictions & invalidation
- • A successor CFO may not be appointed before December 31, requiring an interim appointment. [#8-K-2026-09-23]
- • Management cited continued market uncertainty when raising 2026 guidance. [#SEC-8K-2026-07-28]
- • Second-quarter adjusted EBITDA margin fell to 34.8% from 35.7%, while Consumer Interactive revenue declined 3%.
Catalyst clock
2026-10-31
Third-quarter test of reaffirmed guidance
Lead driver: Value · See fundamentals
Momentum
34
8% active weight
Current posture
7d trendImproving
Δ7d
+15.2
Δ21d
+25.7
Value
53
47% active weight
Current posture
7d trendFlat
Δ7d
+0.5
Δ21d
-1.9
Sentiment
52
45% active weight
Current posture
7d trendSoftening
Δ7d
-9.8
Δ21d
-34.0
Why this grade
Composite grade C. Momentum 34.5 / Value 52.9 / Sentiment 51.6
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-09-29. Scenario method
Most likely
B
Base case
50%
Probability
Target price
$72.00
Analysis reference price unavailable
Analysis 2026-09-29 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$50.00
Analysis reference price unavailable
Analysis 2026-09-29 · RankAlpha Sentiment Codex
Fundamentals (TTM)As of 2026-10-27
Fundamentals (TTM)
As of 2026-10-27
Market Cap
$14.45B
Beta
1.70
Shares Out
191.6M
P/E (TTM)
40.8
P/S (TTM)
3.80
P/FCF (TTM)
34.72
Rev YoY
+14.9%
EPS YoY
+33.2%
Gross Margin
+46.4%
Op Margin
+14.9%
Net Debt
$4.3B
Current Ratio
1.90
As of 2026-10-27 • Updated nightlySource: Internal modelMethods & Data