TRUECAR INC (TRUE) Stock Fundamental Analysis

NASDAQ:TRUE • US89785L1070

2.54 USD
+0.33 (+14.93%)
At close: Jan 21, 2026
2.54 USD
0 (0%)
After Hours: 1/21/2026, 8:00:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to TRUE. TRUE was compared to 69 industry peers in the Interactive Media & Services industry. TRUE has a great financial health rating, but its profitability evaluates not so good. TRUE does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M -100M

1.2 Ratios

  • TRUE's Return On Assets of -12.52% is on the low side compared to the rest of the industry. TRUE is outperformed by 68.57% of its industry peers.
  • TRUE has a Return On Equity (-16.30%) which is comparable to the rest of the industry.
Industry RankSector Rank
ROA -12.52%
ROE -16.3%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -20 -40 -60

1.3 Margins

  • With a decent Gross Margin value of 79.17%, TRUE is doing good in the industry, outperforming 75.71% of the companies in the same industry.
  • TRUE's Gross Margin has declined in the last couple of years.
  • TRUE does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 79.17%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • TRUE has less shares outstanding than it did 5 years ago.
  • 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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

2.2 Solvency

  • Based on the Altman-Z score of -0.53, we must say that TRUE is in the distress zone and has some risk of bankruptcy.
  • TRUE has a worse Altman-Z score (-0.53) than 68.57% of its industry peers.
  • TRUE has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z -0.53
ROIC/WACCN/A
WACC8.9%
TRUE Yearly LT Debt VS Equity VS FCFTRUE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M

2.3 Liquidity

  • TRUE has a Current Ratio of 4.49. This indicates that TRUE is financially healthy and has no problem in meeting its short term obligations.
  • TRUE's Current ratio of 4.49 is amongst the best of the industry. TRUE outperforms 82.86% of its industry peers.
  • TRUE has a Quick Ratio of 4.49. This indicates that TRUE is financially healthy and has no problem in meeting its short term obligations.
  • TRUE has a Quick ratio of 4.49. This is amongst the best in the industry. TRUE outperforms 82.86% of its industry peers.
Industry RankSector Rank
Current Ratio 4.49
Quick Ratio 4.49
TRUE Yearly Current Assets VS Current LiabilitesTRUE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • TRUE shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -86.44%.
  • The Revenue has been growing slightly by 6.18% in the past year.
  • The Revenue for TRUE have been decreasing by -12.12% on average. This is quite bad
EPS 1Y (TTM)-86.44%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%200%
Revenue 1Y (TTM)6.18%
Revenue growth 3Y-8.83%
Revenue growth 5Y-12.12%
Sales Q2Q%-7.17%

3.2 Future

  • Based on estimates for the next years, TRUE will show a quite strong growth in Earnings Per Share. The EPS will grow by 17.95% on average per year.
  • The Revenue is expected to grow by 7.96% on average over the next years.
EPS Next Y-88.42%
EPS Next 2Y-14.66%
EPS Next 3Y-5.97%
EPS Next 5Y17.95%
Revenue Next Year6.64%
Revenue Next 2Y7.33%
Revenue Next 3Y9.96%
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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 0 0.2 -0.2 -0.4

More info and screens

Find the best growth stocksShow best growing peers

0

4. Valuation

4.1 Price/Earnings Ratio

  • TRUE reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • 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 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%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • No dividends for TRUE!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

TRUECAR INC

NASDAQ:TRUE (1/21/2026, 8:00:01 PM)

After market: 2.54 0 (0%)

2.54

+0.33 (+14.93%)

Chartmill FA Rating
GICS IndustryGroupMedia & Entertainment
GICS IndustryInteractive Media & Services
Earnings (Last)11-06
Earnings (Next)02-16
Inst Owners77.19%
Inst Owner Change-2.39%
Ins Owners2.45%
Ins Owner Change-10.25%
Market Cap225.91M
Revenue(TTM)181.22M
Net Income(TTM)-18.61M
Analysts50
Price Target2.7 (6.3%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)106.59%
Min EPS beat(2)11.76%
Max EPS beat(2)201.42%
EPS beat(4)3
Avg EPS beat(4)48.15%
Min EPS beat(4)-22.55%
Max EPS beat(4)201.42%
EPS beat(8)7
Avg EPS beat(8)37.72%
EPS beat(12)10
Avg EPS beat(12)33.51%
EPS beat(16)11
Avg EPS beat(16)11.61%
Revenue beat(2)1
Avg Revenue beat(2)-4.31%
Min Revenue beat(2)-11.93%
Max Revenue beat(2)3.31%
Revenue beat(4)1
Avg Revenue beat(4)-3.39%
Min Revenue beat(4)-11.93%
Max Revenue beat(4)3.31%
Revenue beat(8)2
Avg Revenue beat(8)-3.06%
Revenue beat(12)2
Avg Revenue beat(12)-3.71%
Revenue beat(16)2
Avg Revenue beat(16)-5.17%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)-14.95%
EPS NQ rev (3m)-14.95%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)1.17%
Revenue NQ rev (3m)1.17%
Revenue NY rev (1m)0.34%
Revenue NY rev (3m)0.34%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 1.25
P/FCF N/A
P/OCF 28.76
P/B 1.98
P/tB 1.98
EV/EBITDA N/A
EPS(TTM)-0.22
EYN/A
EPS(NY)-0.24
Fwd EYN/A
FCF(TTM)0
FCFYN/A
OCF(TTM)0.09
OCFY3.48%
SpS2.04
BVpS1.28
TBVpS1.28
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -12.52%
ROE -16.3%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 79.17%
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-Score6
Asset Turnover1.22
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 55.29%
Cap/Sales 4.34%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 4.49
Quick Ratio 4.49
Altman-Z -0.53
F-Score6
WACC8.9%
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)-86.44%
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)6.18%
Revenue growth 3Y-8.83%
Revenue growth 5Y-12.12%
Sales Q2Q%-7.17%
Revenue Next Year6.64%
Revenue Next 2Y7.33%
Revenue Next 3Y9.96%
Revenue Next 5Y7.96%
EBIT growth 1Y-1.81%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year89.64%
EBIT Next 3Y31.94%
EBIT Next 5Y19.34%
FCF growth 1Y99.95%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y130.74%
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.


What is the valuation status of TRUECAR INC (TRUE) stock?

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.


Can you provide the expected EPS growth for TRUE stock?

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