TRUECAR INC (TRUE) Fundamental Analysis & Valuation

NASDAQ:TRUE • US89785L1070

Current stock price

2.54 USD
+0.33 (+14.93%)
At close:
2.54 USD
0 (0%)
After Hours:

This TRUE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. TRUE Profitability Analysis

1.1 Basic Checks

  • TRUE had negative earnings in the past year.
  • TRUE had a positive operating cash flow in the past year.
  • In the past 5 years TRUE reported 4 times negative net income.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M -100M

1.2 Ratios

  • TRUE has a worse Return On Assets (-12.52%) than 68.57% of its industry peers.
  • TRUE has a Return On Equity of -16.30%. This is comparable to the rest of the industry: TRUE outperforms 41.43% of its industry peers.
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

  • Looking at the Gross Margin, with a value of 79.17%, TRUE is in the better half of the industry, outperforming 75.71% of the companies in the same industry.
  • TRUE's Gross Margin has declined in the last couple of years.
  • 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 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

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8

2. TRUE Health Analysis

2.1 Basic Checks

  • TRUE does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for TRUE has been reduced compared to 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

  • TRUE has an Altman-Z score of -0.53. 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 (-0.53) is worse 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

  • A Current Ratio of 4.49 indicates that TRUE has no problem at all paying its short term obligations.
  • TRUE has a Current ratio of 4.49. This is amongst the best in the industry. TRUE outperforms 82.86% of its industry peers.
  • A Quick Ratio of 4.49 indicates that TRUE has no problem at all paying its short term obligations.
  • Looking at the Quick ratio, with a value of 4.49, TRUE belongs to the top of the industry, outperforming 82.86% of the companies in the same industry.
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

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3

3. TRUE Growth Analysis

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.
  • 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)-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

  • The Earnings Per Share is expected to grow by 17.95% on average over the next years. This is quite good.
  • Based on estimates for the next years, TRUE will show a small growth in Revenue. The Revenue will grow by 7.96% on average per year.
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

  • 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 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

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0

4. TRUE Valuation Analysis

4.1 Price/Earnings Ratio

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

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

0

5. TRUE Dividend Analysis

5.1 Amount

  • TRUE does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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TRUE Fundamentals: All Metrics, Ratios and Statistics

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-2.18%
Ins Owners2.45%
Ins Owner Change-10.13%
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 Fundamental Analysis 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.