Home / Stock ratings / TRU
Stock rating · Services-Consumer Credit Reporting, Collection Agencies
TransUnion (TRU) Stock Rating & Analysis
As of September 25, 2026, MELANY rates TransUnion 64 out of 100 (Hold). Its highest factor score is catalyst setup at 83, and its lowest is risk-adjusted profile at 45.
MELANY ratingRated 2026-09-25TRU · composite score
About TransUnion
TransUnion, along with Equifax and Experian, is one of the three leading credit bureaus in the United States, providing the consumer information used as the basis for granting credit. It also offers fraud detection, marketing, and analytical services. It operates in over 30 countries, with about 20%-25% of revenue coming from international markets.
Rating as of 2026-09-25 · this is a dated snapshot; the live rating is in the app (Pro, free for 30 days). The price above updates in real time.
Why TRU scores 64/100
TRU's 8 factor scores run from 45 to 83, and 3 of them sit above its composite of 64. Here is how TRU breaks down.
Whether the price looks cheap or expensive against earnings, growth, and peers.
- Forward P/E 13.0x, earnings growth accelerating
- PEG ratio 0.94 (< 1 = undervalued)
- FCF yield 6.1%
Margins, returns on capital, and balance-sheet strength.
- Gross margin 59%
Direction and relative strength of the recent share-price trend.
- 50-day MA above 200-day (golden cross zone)
History of beating or missing estimates, and where estimates are heading.
- Beat EPS estimates 4 of last 4 quarters
- Avg EPS beat +5%
- Earnings in 27 days (strong beat history)
What Wall Street price targets and revisions are signalling.
- Analyst targets 41% upside
Near-term events that could move the stock.
- Earnings in 27 days
Upside weighed against volatility and drawdown risk.
How the current rate and market regime suits this kind of company.
How TRU compares
As of October 13, 2026, TransUnion ranks 1st of the 4 companies with a MELANY rating page in its SEC industry group (Services-Consumer Credit Reporting, Collection Agencies), where the average score is 63.
Key risks for TRU
- No specific company-level red flags detected, monitor macro regime changes
Sector and theme context
TransUnion sits in the Financials / rate cycle theme, which MELANY currently rates 24/100 for strength. Theme strength feeds TRU's momentum and catalyst factors above.
Tracking TRU
TransUnion rates Hold right now, so MELANY is not flagging a fresh entry. Add TRU to a watchlist in the app to follow its rating; an alert the moment it changes is part of Pro, free for 30 days.
How MELANY rates TRU
MELANY is a rules-based engine that scores every stock from 0 to 100 across eight weighted factors, then re-scores as new price, earnings, and fundamental data arrive. TransUnion's 64/100 reflects mature factor weighting for its profile.
Ratings are algorithmic and change with the data. They are research and education, not personalized investment advice.
Frequently asked questions about TRU
Is TransUnion (TRU) a buy?
As of 2026-09-25, MELANY rated TransUnion Hold with a composite score of 64/100. That is a dated snapshot, not the live rating, and it is an algorithmic reading built from eight factors rather than personalized investment advice. Review the factor breakdown above and the disclaimer below before making any decision.
What is TransUnion's MELANY score?
TransUnion (TRU) has a MELANY composite score of 64/100, combining valuation, business quality, price momentum, earnings track record, analyst sentiment, catalyst setup, risk-adjusted profile, macro fit.
How is the TRU stock rating calculated?
MELANY scores TRU from 0 to 100 across eight weighted factors using live market and fundamental data, then refreshes the rating automatically as new data arrives.
Should I buy TransUnion stock?
That decision is yours; Market Eyes Live does not give buy or sell advice. What the data says: MELANY rates TransUnion (TRU) Hold with a composite of 64/100 as of 2026-09-25. The factor breakdown above shows what is driving that, which is a better basis for a decision than any one-word verdict.
What is the TRU stock price forecast?
MELANY does not publish price targets or forecasts for TRU. Predicting a future price is exactly the kind of false precision the confidence framework avoids. Instead it scores today's setup, 64/100 across eight factors for TransUnion, and re-scores automatically as new price, earnings, and fundamental data arrive.
Is TRU stock overvalued or undervalued?
MELANY's valuation factor currently reads 55/100 for TransUnion, where a higher score means the price looks more attractive on that measure. Scores in the 70s and above read as attractively priced, the mid range as roughly fair, and low scores as stretched. The factor breakdown above shows what drives TRU's read.
What price should I buy TRU at?
MELANY is not flagging a fresh entry for TRU at its current Hold rating, so there is no entry zone to publish right now. Add TRU to a watchlist in the app to follow it; an alert the moment the rating changes is part of Pro, free for 30 days.
What are the risks of buying TRU stock?
The top risks MELANY currently flags for TransUnion: No specific company-level red flags detected, monitor macro regime changes. The rating on this page already weighs these against the bullish factors; see the risk-adjusted profile score in the breakdown above.
Is TransUnion a good long-term investment?
For long-term durability the two factors that matter most are business quality, which MELANY scores 61/100 for TransUnion, and earnings track record, at 79/100. The 64/100 composite blends those with six shorter-horizon factors. Durable quality at a fair price is the long-term case to test; this is research, not personalized investment advice.
Will TRU stock go up?
Nobody can promise a stock's direction, and Market Eyes Live does not predict prices. The measurable part: MELANY's price momentum factor reads 47/100 for TRU right now, and the catalyst setup factor tracks whether near-term events could move it. Both re-score automatically as the data changes.
How current is this TRU rating?
The rating on this page is a snapshot of MELANY's read as of 2026-09-25. The price shown updates live, but the score is not recomputed on this page. MELANY re-scores TRU continuously as new price, earnings, and fundamental data arrive, and the current rating is in the app (Pro, free for 30 days).
How this rating works
Market Eyes Live
Every rating graded in public, TRU included
MELANY scores more than 11,000 U.S. stocks and ETFs, PRISM ranks conviction and APEX writes the plan with one entry zone. Free to start on iOS and the web.