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TRUECAR INC (TRUE) Stock Fundamental Analysis

USA - NASDAQ:TRUE - US89785L1070 - Common Stock

2.19 USD
-0.01 (-0.45%)
Last: 11/3/2025, 8:00:01 PM
2.19 USD
0 (0%)
After Hours: 11/3/2025, 8:00:01 PM
Fundamental Rating

3

Overall TRUE gets a fundamental rating of 3 out of 10. We evaluated TRUE against 70 industry peers in the Interactive Media & Services industry. While TRUE has a great health rating, there are worries on its profitability. TRUE does not seem to be growing, but still is valued expensively.


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 has reported a negative cash flow from operations.
In the past 5 years TRUE reported 4 times negative net income.
In multiple years TRUE reported negative operating cash flow during the last 5 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

TRUE has a worse Return On Assets (-21.06%) than 75.71% of its industry peers.
The Return On Equity of TRUE (-27.68%) is worse than 62.86% of its industry peers.
Industry RankSector Rank
ROA -21.06%
ROE -27.68%
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

With a decent Gross Margin value of 80.12%, TRUE is doing good in the industry, outperforming 77.14% of the companies in the same industry.
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 80.12%
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.
Compared to 1 year ago, TRUE has less shares outstanding
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

TRUE has an Altman-Z score of -1.31. This is a bad value and indicates that TRUE is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of TRUE (-1.31) is worse than 72.86% of its industry peers.
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 -1.31
ROIC/WACCN/A
WACC10.31%
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

TRUE has a Current Ratio of 4.51. This indicates that TRUE is financially healthy and has no problem in meeting its short term obligations.
The Current ratio of TRUE (4.51) is better than 82.86% of its industry peers.
A Quick Ratio of 4.51 indicates that TRUE has no problem at all paying its short term obligations.
The Quick ratio of TRUE (4.51) is better than 82.86% of its industry peers.
Industry RankSector Rank
Current Ratio 4.51
Quick Ratio 4.51
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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3

3. Growth

3.1 Past

TRUE shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -335.90%.
TRUE shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.66%.
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)-335.9%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-200%
Revenue 1Y (TTM)11.66%
Revenue growth 3Y-8.83%
Revenue growth 5Y-12.12%
Sales Q2Q%12.45%

3.2 Future

The Earnings Per Share is expected to grow by 17.95% on average over the next years. This is quite good.
TRUE is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.96% yearly.
EPS Next Y-88.42%
EPS Next 2Y-14.66%
EPS Next 3Y-5.97%
EPS Next 5Y17.95%
Revenue Next Year6.28%
Revenue Next 2Y6.87%
Revenue Next 3Y9.5%
Revenue Next 5Y7.96%

3.3 Evolution

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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 2031 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 2031 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.
Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for TRUE. No positive earnings are expected for the next year.
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 20 30

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 cheap valuation may be justified as TRUE's earnings are expected to decrease with -5.97% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-14.66%
EPS Next 3Y-5.97%

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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 (11/3/2025, 8:00:01 PM)

After market: 2.19 0 (0%)

2.19

-0.01 (-0.45%)

Chartmill FA Rating
GICS IndustryGroupMedia & Entertainment
GICS IndustryInteractive Media & Services
Earnings (Last)08-06 2025-08-06/amc
Earnings (Next)11-10 2025-11-10
Inst Owners72.89%
Inst Owner Change-0.23%
Ins Owners2.95%
Ins Owner Change0.37%
Market Cap194.58M
Revenue(TTM)184.56M
Net Income(TTM)-29443000
Analysts76.36
Price Target2.7 (23.29%)
Short Float %1.55%
Short Ratio1.74
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)2
Avg EPS beat(2)6.86%
Min EPS beat(2)1.96%
Max EPS beat(2)11.76%
EPS beat(4)3
Avg EPS beat(4)-1.72%
Min EPS beat(4)-22.55%
Max EPS beat(4)11.76%
EPS beat(8)7
Avg EPS beat(8)21.27%
EPS beat(12)9
Avg EPS beat(12)15.4%
EPS beat(16)11
Avg EPS beat(16)2.16%
Revenue beat(2)1
Avg Revenue beat(2)1.28%
Min Revenue beat(2)-0.74%
Max Revenue beat(2)3.31%
Revenue beat(4)2
Avg Revenue beat(4)0.02%
Min Revenue beat(4)-4.2%
Max Revenue beat(4)3.31%
Revenue beat(8)2
Avg Revenue beat(8)-1.75%
Revenue beat(12)2
Avg Revenue beat(12)-3.53%
Revenue beat(16)2
Avg Revenue beat(16)-5.01%
PT rev (1m)0.76%
PT rev (3m)4.74%
EPS NQ rev (1m)3.33%
EPS NQ rev (3m)12.12%
EPS NY rev (1m)1.24%
EPS NY rev (3m)3.9%
Revenue NQ rev (1m)1.26%
Revenue NQ rev (3m)0.97%
Revenue NY rev (1m)0.66%
Revenue NY rev (3m)1.48%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 1.05
P/FCF N/A
P/OCF N/A
P/B 1.83
P/tB 1.83
EV/EBITDA N/A
EPS(TTM)-0.34
EYN/A
EPS(NY)-0.24
Fwd EYN/A
FCF(TTM)-0.13
FCFYN/A
OCF(TTM)-0.03
OCFYN/A
SpS2.08
BVpS1.2
TBVpS1.2
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -21.06%
ROE -27.68%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 80.12%
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
ROICexgc growth 3YN/A
ROICexgc 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-Score4
Asset Turnover1.32
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 51.74%
Cap/Sales 4.51%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 4.51
Quick Ratio 4.51
Altman-Z -1.31
F-Score4
WACC10.31%
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)-335.9%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-200%
EPS Next Y-88.42%
EPS Next 2Y-14.66%
EPS Next 3Y-5.97%
EPS Next 5Y17.95%
Revenue 1Y (TTM)11.66%
Revenue growth 3Y-8.83%
Revenue growth 5Y-12.12%
Sales Q2Q%12.45%
Revenue Next Year6.28%
Revenue Next 2Y6.87%
Revenue Next 3Y9.5%
Revenue Next 5Y7.96%
EBIT growth 1Y4.31%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year92.02%
EBIT Next 3Y31.46%
EBIT Next 5Y19.34%
FCF growth 1Y77.49%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y91.86%
OCF growth 3Y-18.43%
OCF growth 5Y-17.65%

TRUECAR INC / TRUE FAQ

What is the fundamental rating for TRUE stock?

ChartMill assigns a fundamental rating of 3 / 10 to TRUE.


Can you provide the valuation status for TRUECAR INC?

ChartMill assigns a valuation rating of 0 / 10 to TRUECAR INC (TRUE). This can be considered as Overvalued.


How profitable is TRUECAR INC (TRUE) stock?

TRUECAR INC (TRUE) has a profitability rating of 1 / 10.


What is the expected EPS growth for TRUECAR INC (TRUE) stock?

The Earnings per Share (EPS) of TRUECAR INC (TRUE) is expected to decline by -88.42% in the next year.