(TRUE) TrueCar - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US89785L1070

Market Pricing, Dealer Network, Trade-In Tools, Certified Platform

Stock: Interactive Media & Services
Age 11.7y
MCap 195m
Avg Vol 711K (1.61M USD)
Beta 1.771
Volatility 60.55%

EPS (Earnings per Share)

EPS (Earnings per Share) of TRUE over the last years for every Quarter: "2020-12": -0.01, "2021-03": -0.02, "2021-06": 0.0022, "2021-09": -0.02, "2021-12": -0.07, "2022-03": -0.1, "2022-06": -0.06, "2022-09": -0.13, "2022-12": -0.15, "2023-03": -0.15, "2023-06": -0.09, "2023-09": -0.02, "2023-12": -0.01, "2024-03": -0.06, "2024-06": -0.03, "2024-09": -0.06, "2024-12": -0.0307, "2025-03": -0.076, "2025-06": -0.09, "2025-09": 0.06, "2025-12": 0,
EPS CAGR: 31.42%
EPS Trend: 62.4%
Last SUE: 0.43
Qual. Beats: 0

Revenue

Revenue of TRUE over the last years for every Quarter: 2020-12: 63.96, 2021-03: 65.105, 2021-06: 65.766, 2021-09: 54.966, 2021-12: 45.861, 2022-03: 43.533, 2022-06: 42.275, 2022-09: 39.052, 2022-12: 36.664, 2023-03: 36.98, 2023-06: 39.293, 2023-09: 41.146, 2023-12: 41.287, 2024-03: 41.052, 2024-06: 41.795, 2024-09: 46.544, 2024-12: 46.207, 2025-03: 44.81, 2025-06: 46.998, 2025-09: 43.207, 2025-12: null,
Rev. CAGR: -1.58%
Rev. Trend: 41.8%
Last SUE: -3.17
Qual. Beats: 0

Dividends

Currently no dividends paid
Risk via 5d forecast
Volatility 60.6%
Value at Risk 5%th 93.2%
Relative Tail Risk -6.47%
Reward TTM
Sharpe Ratio -0.14
Alpha -68.01
CAGR/Max DD -0.18
Character TTM
Hurst Exponent 0.431
Beta 1.771
Beta Downside 1.545
Drawdowns 3y
Max DD 71.99%
Mean DD 31.91%
Median DD 28.32%

Description: TRUE TrueCar January 01, 2026

TrueCar, Inc. (NASDAQ:TRUE) is an internet-based platform that aggregates market pricing data for new and used vehicles, connects shoppers with a network of “TrueCar-certified” dealers, and offers ancillary services such as trade-in valuation, guaranteed trade-in pricing, and payment solutions via its TrueCar Access suite.

In its most recent fiscal quarter (Q4 2023), TrueCar reported revenue of $124 million, a 12% year-over-year increase driven largely by higher dealer subscription fees and growth in its “TrueCar Access” payments product, while active monthly users rose to roughly 7.4 million, up 9% from the prior year.

The company’s performance is closely tied to broader automotive retail trends: (1) the shift toward digital car-buying accelerated by pandemic-era habits; (2) the health of the U.S. new-car market, which is sensitive to consumer confidence and interest-rate fluctuations; and (3) dealer adoption of subscription-based lead-generation services as margins tighten in a competitive environment.

For a deeper, data-driven look at TrueCar’s valuation dynamics, you might explore the analytics on ValueRay.

Piotroski VR‑10 (Strict, 0-10) 3.0

Net Income (-18.6m TTM) > 0 and > 6% of Revenue (6% = 10.9m TTM)
FCFTA -0.00 (>2.0%) and ΔFCFTA 7.42pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)
NWC/Revenue 53.89% (prev 64.66%; Δ -10.77pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)
CFO/TA 0.05 (>3.0%) and CFO 7.86m > Net Income -18.6m (YES >=105%, WARN >=100%)
NO Net Debt/EBITDA fails (EBITDA <= 0)
Current Ratio 4.49 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)
Outstanding Shares last Quarter (88.9m) change vs 12m ago -1.53% (target <= -2.0% for YES)
Gross Margin 79.17% (prev 84.51%; Δ -5.34pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)
Asset Turnover 114.6% (prev 101.9%; Δ 12.74pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)
Interest Coverage Ratio -3.41 (EBITDA TTM -5.69m / Interest Expense TTM 6.15m) >= 6 (WARN >= 3)

Altman Z'' -28.31

(A) 0.66 = (Total Current Assets 125.6m - Total Current Liabilities 28.0m) / Total Assets 148.7m
(B) -4.08 = Retained Earnings (Balance) -606.1m / Total Assets 148.7m
warn (B) unusual magnitude: -4.08 — check mapping/units
(C) -0.13 = EBIT TTM -20.9m / Avg Total Assets 158.1m
(D) -17.57 = Book Value of Equity -606.1m / Total Liabilities 34.5m
Total Rating: -28.31 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 39.24

1. Piotroski 3.0pt
2. FCF Yield -0.02%
3. FCF Margin -0.01%
4. Debt/Equity 0.09
5. Debt/Ebitda 16.39
6. ROIC - WACC (= -30.50)%
7. RoE -16.56%
8. Rev. Trend 41.78%
9. EPS Trend 62.42%

What is the price of TRUE shares?

As of January 17, 2026, the stock is trading at USD 2.11 with a total of 552,568 shares traded.
Over the past week, the price has changed by -3.65%, over one month by -6.64%, over three months by -12.45% and over the past year by -38.48%.

Is TRUE a buy, sell or hold?

TrueCar has received a consensus analysts rating of 3.33. Therefor, it is recommend to hold TRUE.
  • Strong Buy: 1
  • Buy: 1
  • Hold: 3
  • Sell: 1
  • Strong Sell: 0

What are the forecasts/targets for the TRUE price?

Issuer Target Up/Down from current
Wallstreet Target Price 2.4 11.4%
Analysts Target Price 2.4 11.4%
ValueRay Target Price 2 -6.2%

TRUE Fundamental Data Overview January 11, 2026

P/E Forward = 14.4509
P/S = 1.0748
P/B = 1.6825
P/EG = 14.22
Revenue TTM = 181.2m USD
EBIT TTM = -20.9m USD
EBITDA TTM = -5.69m USD
Long Term Debt = 9.88m USD (from capitalLeaseObligations, last quarter)
Short Term Debt = 3.69m USD (from shortTermDebt, last quarter)
Debt = 9.88m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -93.3m USD (from netDebt column, last quarter)
Enterprise Value = 101.5m USD (194.8m + Debt 9.88m - CCE 103.2m)
Interest Coverage Ratio = -3.41 (Ebit TTM -20.9m / Interest Expense TTM 6.15m)
EV/FCF = -1000.0x (Enterprise Value 101.5m / FCF TTM -19.0k)
FCF Yield = -0.02% (FCF TTM -19.0k / Enterprise Value 101.5m)
FCF Margin = -0.01% (FCF TTM -19.0k / Revenue TTM 181.2m)
Net Margin = -10.27% (Net Income TTM -18.6m / Revenue TTM 181.2m)
Gross Margin = 79.17% ((Revenue TTM 181.2m - Cost of Revenue TTM 37.8m) / Revenue TTM)
Gross Margin QoQ = 79.62% (prev 76.28%)
Tobins Q-Ratio = 0.68 (Enterprise Value 101.5m / Total Assets 148.7m)
Interest Expense / Debt = 62.19% (Interest Expense 6.15m / Debt 9.88m)
Taxrate = 0.04% (2000 / 5.00m)
NOPAT = -20.9m (EBIT -20.9m * (1 - 0.04%)) [loss with tax shield]
Current Ratio = 4.49 (Total Current Assets 125.6m / Total Current Liabilities 28.0m)
Debt / Equity = 0.09 (Debt 9.88m / totalStockholderEquity, last quarter 114.2m)
Debt / EBITDA = 16.39 (negative EBITDA) (Net Debt -93.3m / EBITDA -5.69m)
Debt / FCF = 4911 (out of range, set to none) (Net Debt -93.3m / FCF TTM -19.0k)
Total Stockholder Equity = 112.4m (last 4 quarters mean from totalStockholderEquity)
RoA = -11.77% (Net Income -18.6m / Total Assets 148.7m)
RoE = -16.56% (Net Income TTM -18.6m / Total Stockholder Equity 112.4m)
RoCE = -17.12% (EBIT -20.9m / Capital Employed (Equity 112.4m + L.T.Debt 9.88m))
RoIC = -18.62% (negative operating profit) (NOPAT -20.9m / Invested Capital 112.4m)
WACC = 11.89% (E(194.8m)/V(204.7m) * Re(12.49%) + (debt cost/tax rate unavailable))
Discount Rate = 12.49% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -1.19%
Fair Price DCF = unknown (Cash Flow -19.0k)
EPS Correlation: 62.42 | EPS CAGR: 31.42% | SUE: 0.43 | # QB: 0
Revenue Correlation: 41.78 | Revenue CAGR: -1.58% | SUE: -3.17 | # QB: 0
EPS next Quarter (2026-03-31): EPS=-0.04 | Chg30d=+0.000 | Revisions Net=+0 | Analysts=2
EPS next Year (2026-12-31): EPS=-0.08 | Chg30d=+0.048 | Revisions Net=+0 | Growth EPS=+31.8% | Growth Revenue=+8.2%

Additional Sources for TRUE Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle