TransUnion (TRU) Valuation: Is the Stock Trading Below Fair Value?

TransUnion (TRU) stock has been on the move over the past month, catching the attention of investors who are watching how it is tracking relative to its recent performance. Despite some ups and downs, the stock’s current trend invites a closer look at the underlying business drivers and valuation.

See our latest analysis for TransUnion.

TransUnion’s share price has seen some short-term rebound, posting a 3.7% gain over the past month. However, the momentum has not reversed this year’s downward trend. The broader context matters: total shareholder returns are down 24% over the last year despite steady business growth, but the three-year total return remains in positive territory. This hints at resilience and underlying potential as investors reassess risk and opportunity.

If you’re looking to expand your search beyond the usual picks, this could be the perfect time to discover fast growing stocks with high insider ownership

With TransUnion trading at a notable discount to analyst targets and showing signs of ongoing business growth, the key question is whether the stock is undervalued at current levels or if the market has already accounted for future gains.

Most Popular Narrative: 24.5% Undervalued

TransUnion’s latest fair value estimate comes in substantially above the last close price, suggesting that current levels may not fully reflect bullish expectations. This sets up a compelling narrative about whether the stock can deliver on such optimistic growth projections.

Strategic innovation investments, including AI, machine learning, and the roll-out of the global cloud-native OneTru platform, are driving efficiency, faster product launches, better cross-sell opportunities, and improved customer retention. These factors position TransUnion to grow earnings with higher operating leverage and net margins as technology transformation costs subside after 2025.

Read the complete narrative.

What massive earnings shift is baked into this bullish outlook? The real surprise here is how sharply the narrative’s math depends on a future profit margin and earnings forecast that surpass current sector trends. Discover exactly what the story is behind this high-conviction valuation and see where smart money thinks TransUnion is heading next.

Result: Fair Value of $106.70 (UNDERVALUED)

Have a read of the narrative in full and understand what's behind the forecasts.

However, persistent regulatory pressures and mounting competition from new market entrants could challenge TransUnion’s growth, which may impact profitability and long-term forecasts.

Story Continues

Find out about the key risks to this TransUnion narrative.

Another View: Multiples Signal Caution

While the fair value estimate looks optimistic, the current price-to-earnings ratio tells a more sobering story. TransUnion trades at 37.2 times earnings, which is well above the industry’s 24.5 and its own fair ratio of 31.5. This premium suggests the market expects a lot from future growth. Might that optimism be overdone?

See what the numbers say about this price — find out in our valuation breakdown.NYSE:TRU PE Ratio as at Nov 2025

Build Your Own TransUnion Narrative

If this narrative does not align with your perspective, consider digging into the numbers yourself. The data is open, and forming your own conclusions takes just minutes. Do it your way

A great starting point for your TransUnion research is our analysis highlighting 4 key rewards and 1 important warning sign that could impact your investment decision.

Looking for More Investment Ideas?

Why limit your portfolio’s potential? There are other opportunities you could be missing right now. Tap into new themes and trends with the Simply Wall St Screener and set yourself up for smart, timely moves.

Target impressive yields with these 16 dividend stocks with yields > 3% offering stable returns supported by strong payout histories and solid balance sheets. Spot unique growth opportunities among these 28 quantum computing stocks that drive innovation and shape tomorrow’s high-tech landscape. Position yourself on the cutting edge as you uncover these 25 AI penny stocks that push boundaries in automation, big data, and intelligence-driven solutions.

This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

Companies discussed in this article include TRU.

Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email [email protected]

View Comments