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TRUECAR INC (TRUE) Stock Fundamental Analysis

NASDAQ:TRUE - Nasdaq - US89785L1070 - Common Stock - Currency: USD

1.47  -0.09 (-5.77%)

Fundamental Rating

3

Overall TRUE gets a fundamental rating of 3 out of 10. We evaluated TRUE against 71 industry peers in the Interactive Media & Services industry. TRUE has a great financial health rating, but its profitability evaluates not so good. While showing a medium growth rate, TRUE is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

TRUE had negative earnings in the past year.
In the past year TRUE had a positive cash flow from operations.
TRUE had negative earnings in 4 of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: TRUE reported negative operating cash flow in multiple years.
TRUE Yearly Net Income VS EBIT VS OCF VS FCFTRUE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M -100M

1.2 Ratios

With a Return On Assets value of -19.44%, TRUE is not doing good in the industry: 70.42% of the companies in the same industry are doing better.
The Return On Equity of TRUE (-26.28%) is worse than 63.38% of its industry peers.
Industry RankSector Rank
ROA -19.44%
ROE -26.28%
ROIC N/A
ROA(3y)-30.33%
ROA(5y)-16.84%
ROE(3y)-39.17%
ROE(5y)-21.83%
ROIC(3y)N/A
ROIC(5y)N/A
TRUE Yearly ROA, ROE, ROICTRUE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -20 -40 -60

1.3 Margins

TRUE has a Gross Margin of 84.97%. This is amongst the best in the industry. TRUE outperforms 81.69% of its industry peers.
In the last couple of years the Gross Margin of TRUE has declined.
The Profit Margin and Operating Margin are not available for TRUE so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 84.97%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-2.04%
GM growth 5Y-1.56%
TRUE Yearly Profit, Operating, Gross MarginsTRUE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50

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8

2. Health

2.1 Basic Checks

TRUE does not have a ROIC to compare to the WACC, probably because it is not profitable.
TRUE has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, TRUE has less shares outstanding
There is no outstanding debt for TRUE. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
TRUE Yearly Shares OutstandingTRUE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
TRUE Yearly Total Debt VS Total AssetsTRUE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

2.2 Solvency

Based on the Altman-Z score of -2.13, we must say that TRUE is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of -2.13, TRUE is not doing good in the industry: 77.46% of the companies in the same industry are doing better.
There is no outstanding debt for TRUE. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z -2.13
ROIC/WACCN/A
WACC9.22%
TRUE Yearly LT Debt VS Equity VS FCFTRUE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M

2.3 Liquidity

A Current Ratio of 4.11 indicates that TRUE has no problem at all paying its short term obligations.
TRUE's Current ratio of 4.11 is amongst the best of the industry. TRUE outperforms 83.10% of its industry peers.
TRUE has a Quick Ratio of 4.11. This indicates that TRUE is financially healthy and has no problem in meeting its short term obligations.
TRUE has a Quick ratio of 4.11. This is amongst the best in the industry. TRUE outperforms 83.10% of its industry peers.
Industry RankSector Rank
Current Ratio 4.11
Quick Ratio 4.11
TRUE Yearly Current Assets VS Current LiabilitesTRUE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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4

3. Growth

3.1 Past

The earnings per share for TRUE have decreased strongly by -102.90% in the last year.
TRUE shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.64%.
Measured over the past years, TRUE shows a very negative growth in Revenue. The Revenue has been decreasing by -12.12% on average per year.
EPS 1Y (TTM)-102.9%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-500%
Revenue 1Y (TTM)10.64%
Revenue growth 3Y-8.83%
Revenue growth 5Y-12.12%
Sales Q2Q%9.15%

3.2 Future

The Earnings Per Share is expected to grow by 24.74% on average over the next years. This is a very strong growth
Based on estimates for the next years, TRUE will show a quite strong growth in Revenue. The Revenue will grow by 12.66% on average per year.
EPS Next Y-62.07%
EPS Next 2Y12.9%
EPS Next 3Y13.49%
EPS Next 5Y24.74%
Revenue Next Year4.72%
Revenue Next 2Y7.83%
Revenue Next 3Y13.5%
Revenue Next 5Y12.66%

3.3 Evolution

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
TRUE Yearly Revenue VS EstimatesTRUE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 100M 200M 300M
TRUE Yearly EPS VS EstimatesTRUE Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 0 0.2 -0.2 -0.4

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0

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for TRUE. In the last year negative earnings were reported.
Also next year TRUE is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
TRUE Price Earnings VS Forward Price EarningsTRUE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 -10 20

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
TRUE Per share dataTRUE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.5 1 1.5 2

4.3 Compensation for Growth

A more expensive valuation may be justified as TRUE's earnings are expected to grow with 13.49% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y12.9%
EPS Next 3Y13.49%

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0

5. Dividend

5.1 Amount

TRUE does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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TRUECAR INC

NASDAQ:TRUE (5/23/2025, 2:23:01 PM)

1.47

-0.09 (-5.77%)

Chartmill FA Rating
GICS SectorCommunication Services
GICS IndustryGroupMedia & Entertainment
GICS IndustryInteractive Media & Services
Earnings (Last)05-05 2025-05-05/amc
Earnings (Next)08-04 2025-08-04
Inst Owners77.49%
Inst Owner Change-2.87%
Ins Owners2.58%
Ins Owner Change1.71%
Market Cap128.65M
Analysts76.67
Price Target4.08 (177.55%)
Short Float %1.23%
Short Ratio2.53
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-10.29%
Min EPS beat(2)-22.55%
Max EPS beat(2)1.96%
EPS beat(4)3
Avg EPS beat(4)4%
Min EPS beat(4)-22.55%
Max EPS beat(4)34.64%
EPS beat(8)7
Avg EPS beat(8)24.19%
EPS beat(12)8
Avg EPS beat(12)15.91%
EPS beat(16)11
Avg EPS beat(16)11.17%
Revenue beat(2)1
Avg Revenue beat(2)-1.24%
Min Revenue beat(2)-4.2%
Max Revenue beat(2)1.73%
Revenue beat(4)1
Avg Revenue beat(4)-2.95%
Min Revenue beat(4)-7.43%
Max Revenue beat(4)1.73%
Revenue beat(8)1
Avg Revenue beat(8)-3.02%
Revenue beat(12)1
Avg Revenue beat(12)-4.59%
Revenue beat(16)2
Avg Revenue beat(16)-5.07%
PT rev (1m)0%
PT rev (3m)-15.79%
EPS NQ rev (1m)5.27%
EPS NQ rev (3m)-130.77%
EPS NY rev (1m)4.13%
EPS NY rev (3m)-130.65%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-10.37%
Revenue NY rev (1m)-7.6%
Revenue NY rev (3m)-12.74%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.73
P/FCF N/A
P/OCF 16.71
P/B 1.09
P/tB 1.11
EV/EBITDA N/A
EPS(TTM)-0.28
EYN/A
EPS(NY)-0.13
Fwd EYN/A
FCF(TTM)0
FCFYN/A
OCF(TTM)0.09
OCFY5.99%
SpS2.01
BVpS1.35
TBVpS1.33
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -19.44%
ROE -26.28%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 84.97%
FCFM N/A
ROA(3y)-30.33%
ROA(5y)-16.84%
ROE(3y)-39.17%
ROE(5y)-21.83%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-2.04%
GM growth 5Y-1.56%
F-Score6
Asset Turnover1.1
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 43.58%
Cap/Sales 4.48%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 4.11
Quick Ratio 4.11
Altman-Z -2.13
F-Score6
WACC9.22%
ROIC/WACCN/A
Cap/Depr(3y)60.34%
Cap/Depr(5y)59.43%
Cap/Sales(3y)6.38%
Cap/Sales(5y)5.49%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-102.9%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-500%
EPS Next Y-62.07%
EPS Next 2Y12.9%
EPS Next 3Y13.49%
EPS Next 5Y24.74%
Revenue 1Y (TTM)10.64%
Revenue growth 3Y-8.83%
Revenue growth 5Y-12.12%
Sales Q2Q%9.15%
Revenue Next Year4.72%
Revenue Next 2Y7.83%
Revenue Next 3Y13.5%
Revenue Next 5Y12.66%
EBIT growth 1Y34.16%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year100.69%
EBIT Next 3Y39.89%
EBIT Next 5Y23.03%
FCF growth 1Y99.54%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y134.36%
OCF growth 3Y-18.43%
OCF growth 5Y-17.65%