Positioning no disclosures inside 60 days, left as found
Options put/call open interest 0.13, read 2026-11-02
Ethical does not pass the values gate
Price79.23 USD
Fair value86.17
Ethical score30.0/100
Value readUndervaluedas of 2 Nov 2026
Our investment reviews on this name
2026-10-21Read Markup74.08+7.0% to today ✓Distribution gives way to Markup after a 15% rise in 3 weeks
2026-10-02Read Distribution64.29+23.2% to today Markdown gives way to Distribution after a 16% slide in 2 weeks
2026-09-15Read Markdown76.95+3.0% to today Markup gives way to Markdown after a 16% rise in 11 weeks
2026-07-02Read Markup66.13+19.8% to today ✓First review on file: Markup
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
TransUnion holds its Markup at $79.23. The statistical read favours the buyers, held for 3 days.
As held on the ledger · 2026-11-02
Phase
Markup
Quantitative state
The statistical read favours the buyers, held for 3 days
Price at the screen
$79.23
Valuation
18.68 trailing · 14.34 forward price to earnings
Values screen
FAIL· score 30.0
Beta
1.58
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.
The Ethical Read
Why It Falls Short, in Plain English
TransUnion does not clear the screen at the business-activity stage. It operates in conventional financial services, which the screen treats as interest-based, so the financial ratios are not the deciding factor here.
Read as at 2026-11-02. It updates when the underlying figures move, and past reads are kept below.
Follow this verdict
Get an email when TRU's ethical verdict changes
Today TRU does not pass the screen. If new figures move it to a pass, we send you one short email with the before and after. Verdicts change rarely, so you may not hear from us for a long time.
Free, no account needed. Every email has a link to stop.
The quantitative screen above is arithmetic. Separately, community boycott lists cite this company: Documented on AFSC Investigate. The desk records that flag here without folding it into the verdict: the screen measures the balance sheet, the overlay informs the conscience, and they are different judgements that belong to different owners. The second one is yours.
What the Numbers Say It Is Worth
The Fair Value Range
Our analysis reads Undervalued vs our fair value, as of 2 Nov 2026: it trades at roughly an 11% discount to our $86.17 fair value, narrow competitive moat, 12.20% revenue growth.
Fair value range in USD, drawn from the 2026-11-02 screen. The gold marker is the market price at the same screen. A 8.1% discount to the base estimate.
Where our models see it going: fair-value estimate $86.17, with a range of $63.00 to $100.41, dated to the 2026-11-02 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.
Another profit measure, before interest, tax and non-cash costs: EBITDA.
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
2026-11-03Markup$76.79+3.7%Entry 16
The analysis reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 3.7% 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 B, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading overbought. 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. Insiders have been net sellers over the past quarter.
2026-10-27Markup$74.08+0.0%Entry 15
The analysis 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 B, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading overbought. 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. Insiders have been net sellers over the past quarter. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-26Markup$74.08+0.0%Entry 14
The analysis 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 B, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading overbought. 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. Insiders have been net sellers over the past quarter. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-25Markup$74.08+0.0%Entry 13
The analysis 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 momentum reading neutral. 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. Insiders have been net sellers over the past quarter. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-24Markup$74.08+0.0%Entry 12
The analysis 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 momentum reading neutral. 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. Insiders have been net sellers over the past quarter. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-23Markup$74.08+0.0%Entry 11
The analysis 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 momentum reading neutral. 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. Insiders have been net sellers over the past quarter. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-22Markup$74.08+0.0%Entry 10
The analysis 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 momentum reading neutral. 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. Insiders have been net sellers over the past quarter. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-21Markup · changed$74.08+0.0%Entry 9
The framework has shifted from distribution to markup since the last review. 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 D, carrying a low risk profile. Technically it is momentum reading neutral. 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. Insiders have been net sellers over the past quarter. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-20Distribution$74.08+13.1%Entry 8
The analysis reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved up 13.1% 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 D, carrying a low risk profile. Technically it is momentum reading neutral. 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. Insiders have been net sellers over the past quarter. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-14Distribution$65.48+1.9%Entry 7
The analysis reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved up 1.9% 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. Insiders have been net sellers over the past quarter.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
