TRU Stock Today: December 22 — CCLA Boosts Stake as Analysts Maintain Moderate Buy
TransUnion stock is edging higher today, trading at $87.97, up 1.01%, after fresh institutional buying drew attention. CCLA Investment Management lifted its position in Q3, adding 33,991 shares to reach about 0.87% ownership, or roughly $141.5 million. For US investors, this vote of confidence lands as the stock sits between its 50-day average of $82.11 and 200-day average of $85.31. The Street keeps a Moderate Buy view with a $103 average TRU price target, suggesting room for gains into year-end for NYSE: TRU.
Institutional Buying Signals and Ownership Update
CCLA Investment Management raised its TransUnion holdings in Q3 by 33,991 shares, lifting its stake to about 0.87% worth roughly $141.5 million. This update highlights steady institutional buying interest as the stock trades near $88 and holds above key moving averages. Increased ownership by long-term managers can support liquidity and sentiment. Source: MarketBeat alert.
Institutional additions often reflect confidence in a company’s earnings power and product moat. For a credit-data firm, that can tie to stable recurring revenue and cross-sell potential. While a higher institutional base can ease volatility, it does not remove risk. Investors should still watch debt levels, cash generation, and execution in fraud and identity products to judge whether new demand can justify the current share price.
Price Action and Technical Setup for TRU
Price sits at $87.97 with a day range of $87.26 to $88.80 and a 52-week range of $66.38 to $101.19. The stock trades above its 50-day ($82.11) and 200-day ($85.31) averages. RSI is 62.32, which is constructive. Price is near the Bollinger upper band at $87.48 and above the middle band at $84.34. CCI at 172.13 flags short-term overbought conditions. ATR of 2.26 suggests moderate daily swings.
First support sits near the 200-day around $85 and the Bollinger middle near $84.34. Below that, watch the 50-day near $82.11. Near-term resistance is today’s high at $88.80, then the round number $90, and the 1-year high at $101.19. ADX at 16.77 signals no strong trend yet, so breakouts need volume confirmation. Keltner upper at $88.90 aligns with resistance and offers a clean trigger level.
Analyst Ratings and Valuation Check
Analysts show 5 Buy and 4 Hold ratings, setting a Moderate Buy consensus. The average TRU price target is $103, with a high of $125 and a low of $85. From $87.97, the average implies about 17% upside. The median sits at $104. This outlook supports the idea that TransUnion stock could continue to recover as demand for credit data and fraud prevention remains steady. See context via Yahoo Finance coverage.
The stock trades at a 40.7x TTM P/E and a 5.46 PEG, with EV/EBITDA near 15.33. Dividend yield is about 0.52%. Debt-to-equity is 1.16 and net debt to EBITDA is 3.16, with interest coverage of 3.51. One independent model assigns a C- grade and a Strong Sell tilt due to valuation and leverage. The Street’s Moderate Buy contrasts this, making position sizing and entry points important.
Fundamentals and Outlook
TTM revenue per share is 22.80. Gross margin is 52.82%, operating margin is 18.69%, and net margin is 9.47%. Free cash flow per share is 2.96, with operating cash flow up 28.99% year over year and free cash flow up 54.38%. EPS grew about 2.36% in 2024. These metrics show improving cash conversion, which can support debt reduction and selective investments in identity, fraud, and analytics products.
Model projections point to about $89.38 over one year, $103.05 over three years, and $116.68 over five years. Key catalysts include US credit formation, fintech activity, and demand for identity protection. The company calendar lists an earnings date placeholder of Feb 17, 2026, which investors should verify. Progress in U.S. Markets, International scaling, and Consumer Interactive upsell rates will likely steer the next leg for TransUnion stock.
Final Thoughts
TransUnion stock closed near $87.97 after a steady session that pressed against resistance. CCLA’s larger stake adds a constructive data point, while a Moderate Buy and a $103 average target frame an appealing risk-reward for patient investors. Still, valuation is not cheap and leverage is meaningful, so entries matter. We would watch for a firm break above $88.80 to open a path to $90 and potentially $95. Pullbacks toward $85 to $84.34 may offer better setups for long-term buyers. Keep position sizes modest, confirm volume on moves, and revisit the view after the next earnings update and any debt reduction progress.
FAQs
Analysts keep a Moderate Buy with 5 Buy and 4 Hold ratings, and the average target sits at $103. Price at $87.97 implies about 17% upside. Technicals are constructive above the 50-day and 200-day, but short-term readings look overbought. Valuation at 40.7x earnings and leverage near 3.16x EBITDA leave less room for error. If you are long-term, consider scaling in on dips toward $85 while tracking cash flow and debt.
The average TRU price target is $103, with a high of $125 and a low of $85. From $87.97, that implies roughly 17% potential upside to the average and 42% to the high target. The median target is $104. These targets reflect expectations for steady demand in credit data, identity, and fraud solutions. Investors should pair targets with risk markers like support at $85 and resistance at $88.80 and $90.
CCLA added 33,991 shares in Q3, raising its ownership to about 0.87% or roughly $141.5 million. This signals long-term confidence from a large manager and can support sentiment as year-end flows pick up. While ownership shifts do not guarantee gains, they may tighten supply and stabilize demand. Review the filing context here: [MarketBeat alert](https://www.marketbeat.com/instant-alerts/filing-ccla-investment-management-increases-stock-position-in-transunion-tru-2025-12-22/). Still, monitor valuation and debt alongside any stake changes.
TRU trades at 40.7x TTM earnings and a 5.46 PEG, with EV/EBITDA near 15.33. Dividend yield is ~0.52%. Net debt is about 3.16x EBITDA and interest coverage is 3.51, which is workable but not low. Cash flow trends improved in 2024, which helps. The Street’s Moderate Buy contrasts an outside C- grade that flags valuation and leverage. Balance upside potential with disciplined entries and risk limits.
Key resistance sits at today’s high of $88.80, then $90, and the 52-week high at $101.19. First support is near the 200-day average around $85, then the Bollinger middle at $84.34 and the 50-day near $82.11. RSI at 62.32 is constructive, but CCI at 172.13 shows short-term overbought risk. A clean move above the Keltner upper near $88.90 on strong volume would strengthen the bullish case.
Disclaimer:
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