B+
Bull case
30%
Probability
Target price
$94.00
Analysis reference price unavailable
Analysis 2026-07-31 · RankAlpha Sentiment Codex
TRU
TransUnionBNYSE / Commercial & Professional Services
Last Price
Quote time unavailable
Current thesis
The Q2 beat, raised FY guidance, 10% organic constant-currency growth, stronger U.S. Financial Services performance, and OneTru migration progress support continued positive revisions.
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +10.4.
What can break
Adjusted EBITDA margin contracted year over year despite strong revenue growth. [#SEC-8K-2026-07-28]
Momentum
52
Value
52
Sentiment
75
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $86.00 · Bull $94.00 · Bear $70.00Analysis 2026-07-31; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-11 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-31 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-09-11
Investment thesis
As of 2026-09-11
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-11. Definitions
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $98.14
Why
Momentum52 · Δ7d -7.8
Value52 · Δ7d -0.2
Sentiment75 · Δ7d +10.4
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Confirming evidence
- • Sentiment remains the lead driver in the composite, 7D delta +10.4.
Contradictions & invalidation
- • Adjusted EBITDA margin contracted year over year despite strong revenue growth. [#SEC-8K-2026-07-28]
- • An EVP reported a $1.997 million open-market sale on 2026-07-28; additional officer dispositions were also reported. [#SEC-FORM4-2026-07-29]
- • Adjusted EBITDA margin declined to 34.8% from 35.7% year over year, while management continued to flag market uncertainty.
Catalyst clock
2026-07-28
Q2 beat and FY2026 guidance raise
Lead driver: Sentiment · See AI snapshot
Momentum
52
9% active weight
Current posture
7d trendImproving
Δ7d
-7.8
Δ21d
-14.9
Value
52
28% active weight
Current posture
7d trendFlat
Δ7d
-0.2
Δ21d
-2.2
Sentiment
75
62% active weight
Current posture
7d trendImproving
Δ7d
+10.4
Δ21d
+12.8
Why this grade
Composite grade B. Momentum 51.8 / Value 52.4 / Sentiment 75.5
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-31. Scenario method
Most likely
B
Base case
50%
Probability
Target price
$86.00
Analysis reference price unavailable
Analysis 2026-07-31 · RankAlpha Sentiment Codex
B-
Bear case
20%
Probability
Target price
$70.00
Analysis reference price unavailable
Analysis 2026-07-31 · RankAlpha Sentiment Codex
Fundamentals (TTM)As of 2026-08-17
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$15.08B
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 2026-09-11 • Updated nightlySource: Internal modelMethods & Data