NAS10029,644+0.67%S&P7,651+0.17%GOLD$4,416+0.37%BTC$81,118+6.17%VIX14.81−4.08%live tape · as of 13:00 UTC
The Screen · Financials · Financial Data & Stock Exchanges
TransUnion
TRU · the NYSE · USD · Market cap $14.7B · 13,500 employees
TransUnion operates as a global consumer credit reporting agency that provides risk and information solutions.
FAIL · Does not pass the screen
76.95 USD
At the last full screen 2026-09-10
Screened 2026-09-10 · the tape above runs as of 13:00 UTC · two dates, stated on purpose · verdict and workings shown in full · never trimmed
The Label · The Season, Not the Day
This name holds its markdown label.
TransUnion holds its Markdown at $76.95. The statistical read favours the sellers, held for 64 days.
As held on the ledger · 2026-09-10
Phase
Markdown · caution
Quantitative state
The statistical read favours the sellers, held for 64 days
Price at the screen
$76.95
Valuation
20.30 trailing · 13.79 forward price to earnings
Values screen
FAIL· score 30.0
Beta
1.54
The Workings
Five Screens, Shown in Full
Does not pass. Excluded industry: Financial Data & Stock Exchanges
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Excluded industry: Financial Data & Stock Exchanges
Fail
Debt load
Excluded
Below 33%
Interest-bearing debt is of its assets, above the one-third ceiling the screen allows.
Fail
Interest-bearing cash
Excluded
Below 33%
Interest-bearing cash and securities are of assets, above the one-third limit.
Fail
Receivables
Excluded
Below 49%
Money owed to the company is of assets, above the 49% limit.
Fail
Revenue purity
Excluded
Below 5%
of revenue comes from non-compliant sources, over the 5% line.
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
Fair value range in USD, drawn from the 2026-09-10 screen. The gold marker is the market price at the same screen. A 19.3% margin of safety to the base estimate.
Third-party analyst targets: 21 covering, consensus Buy. The average target sits +30% from the screen price.
Reading the gap · Both our model and the analysts see meaningful upside from here.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-09-10 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Credit Data Giant Trips on Ethical Line
Every time a family checks its mortgage rate or a freelancer applies for a card, TransUnion sits in the middle of that decision. The business grows revenue at 14 percent a year, earns a 15 percent profit margin and posts 15 percent ROE, yet the numbers do not matter here. It fails our ethical screen because the entire sector, financial data and stock exchanges, sits on the excluded list.
That screen exists for a reason. We are not paid to weigh whether credit bureaus create value or whether a 14.3 times forward multiple and a narrow moat look attractive next to a 9 percent margin of safety. The industry itself is off limits, full stop.
Valuation and growth can shift, yet the ethical filter does not. The stock may keep trading near analyst targets around 90 dollars, but we stay away on principle. Analysis, not advice.
The risks · The things to watch: it already moves more than the market on an average day.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
TRU trades on the NYSE. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-09-15Markdown · changed$76.95-2.8%Entry 5
The framework has shifted from markup to markdown since the last review. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 2.8% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading bullish. Over the past year the shares are down 23%. Our forward projection puts the odds of a 10% gain over the next month near 23%. The street (21 analysts) rates it buy, with a mean price target of $90.
2026-08-15Markup$79.20+19.8%Entry 4
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 19.8% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading bullish. Over the past year the shares are down 23%. Our forward projection puts the odds of a 10% gain over the next month near 23%. The street (21 analysts) rates it buy, with a mean price target of $90.
2026-07-18Markup$66.13+0.0%Entry 3
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading bullish. Over the past year the shares are down 23%. Our forward projection puts the odds of a 10% gain over the next month near 23%. The street (21 analysts) rates it buy, with a mean price target of $90.
2026-07-03Markup$66.13+0.0%Entry 2
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns.
2026-07-02Markup$66.13Entry 1
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows modest positive risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
