What Is TransUnion (TRU) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, TransUnion's intrinsic value is estimated at $59.91, suggesting the stock is overvalued at its current price of $76.20. With 9 out of 12 models flagging downside (-21.4% average return), the market may be pricing in unsustainable growth. Model dispersion is worth noting: Markov DDM targets $182.63 (+139.7%), versus Bayesian DCF at $10.37 (-86.4%). This +226.1% range highlights the importance of multi-model analysis rather than relying on any single methodology. Among models with highest confidence, EPV lean bearish — adding weight to the bearish side of the thesis.
What Do the Models Say About TRU?
12 of 13 models are currently active for TRU. Of these, 2 models suggest upside while 10 models suggest overvaluation. The Bayesian DCF estimates TRU's intrinsic value at $10.37, implying -86.4% downside from the current price. See which stocks rank higher →
How Does TRU Rank in Services-Consumer Credit Reporting, Collection Agencies?
Among 4 Services-Consumer Credit Reporting, Collection Agencies stocks, TRU ranks #4 by Quality of Company score. CirclFi's QOC score of 6.7/10 evaluates 32 fundamental signals. A score of 6.7 indicates above-average quality.
Within the Services-Consumer Credit Reporting, Collection Agencies space, TransUnion competes in an environment where deposit growth often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.
Is TRU a Value Trap?
CirclFi's Value Trap algorithm assigns TRU a score of 12/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
12 of 13 models are active for TransUnion. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi 32-factor quality framework, TransUnion's fundamental quality profile registers 6.7/10. This respectable score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.
The gap between the most bullish and bearish model spans +226.1% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every TRU valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across TRU's 12 active models, average confidence is 51%. Moderate confidence indicates reasonable fit.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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