TRU · TransUnion — research history
Complete research history. Every dossier, draft, kill, publish, and lesson the system has produced on TRU. Public so users can audit, AI can re-reference. Live price refreshes every 60s.
About TRU · TransUnion
TransUnion operates as a global consumer credit reporting agency that provides risk and information solutions. The company operates in two segments, U.S. Markets and International. The U.S. Markets segment provides credit reporting, credit marketing, analytics and consulting, identity verification, and authentication and debt recovery solutions for financial services industry; and onboarding and transaction processing products, scoring and analytic products, marketing solutions, fraud and identity management solutions, and customer retention solutions, as well select market-specific solutions for insurance, technology, retail and e-commerce, telecommunications, media, tenant and employment screening, collections, and public sectors. It also offers credit reports, scores, and freezes credit monitoring, identity protection and resolution, and financial management for consumers, as well as helps businesses respond to data breach events through its own websites, as well as channels. The International segment offers credit reports, analytics, technology solutions, and other value-added risk management services; consumer services, which helps consumers to manage their personal finances; credit bureaus; and consumer and business credit reporting, insurance and auto information solutions, and commercial credit information services. This segment serves customers in financial services, retail credit, insurance, automotive, collections, public sector, and communications industries through direct and indirect channels. The company was formerly known as TransUnion Holding Company, Inc. and changed its name to TransUnion in March 2015. TransUnion was founded in 1968 and is headquartered in Chicago, Illinois.
Live Quote
SELL (score -8) · 12-1 mom -22.6% · RSI 43.5 · below_both · -33.5% from high
Targets blend Wall Street consensus (21 analysts: low $72.00 / mean $89.76 / high $108.00) with chart-derived floors and ceilings.
1-Year Chart · RSI · MACD
Research Timeline
Newest first. Each entry shows what stage produced it, the verdict/decision, and the reasoning.
TransUnion is a credit reporting bureau with strong fundamentals — forward P/E of 12.4x, consistent EPS beats (last 8 quarters all positive), and an aggressive M&A strategy including the March 2026 acquisition of Trans Union de Mexico (largest Mexican credit bureau). However, the smart-money signal that triggered this investigation is conclusively negative: after reading every Form 4 filed in the last 30 days, there are ZERO open-market purchases by insiders — all filings are either scheduled 10b5-1 plan sales or tax-withholding transactions. The company is executing on a buy-side strategy (buybacks, acquisitions) while multiple senior executives and directors quietly sell under pre-planned programs. Options flow is moderately bearish. Price is down ~30% from its 52-week high with no clear re-rating catalyst in the near term.
Lessons Referencing This Ticker
When directional thesis is correct but the move occurs after option expiry, the trade is a technical win but a strategic loss. The capital is locked up during the delayed reaction period, and theta decay continues. For binary operational events, consider selling the put spread leg to finance a longer-dated call/put if the directional conviction is high but timing is uncertain.
extracted Jun 19, 2026 from 2026-06-01-UEC-earnings-put-spread
In commodity-linked names with institutional holders, put skew is often driven by hedging activity (portfolio insurance, commodity price exposure) rather than directional bearishness. Elevated put skew in these names should be discounted as a signal and treated as structural, not informational.
extracted Jun 19, 2026 from 2026-06-01-UEC-earnings-put-spread
In cybersecurity names during AI-capex peaks, executive sales (even Rule 10b5-1) at prices significantly below current spot should be weighted more heavily than analyst upgrades. Insiders are closer to the data and may be positioning for a plateau.
extracted Jun 19, 2026 from 2026-06-01-PANW-earnings-debit-call