Earnings summaries and quarterly performance for TransUnion.
Executive leadership at TransUnion.
Chris Cartwright
Detailed
President & Chief Executive Officer
CEO
HR
Heather Russell
Detailed
Executive Vice President, Chief Legal Officer
SC
Steven Chaouki
Detailed
President, U.S. Markets
SM
Susan Muigai
Detailed
Executive Vice President, Chief Human Resources Officer
TC
Todd Cello
Detailed
Executive Vice President, Chief Financial Officer
TS
Todd Skinner
Detailed
President, International
VA
Venkat Achanta
Detailed
Executive Vice President, Chief Technology, Data & Analytics Officer
Board of directors at TransUnion.
Research analysts who have asked questions during TransUnion earnings calls.
Ashish Sabadra
RBC Capital Markets
7 questions for TRU
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6 questions for TRU
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Andrew Nicholas
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3 questions for TRU
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2 questions for TRU
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Jeff Mueller
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1 question for TRU
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Simon Clinch
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Recent press releases and 8-K filings for TRU.
TransUnion Reports Strong Q4 2025 Results and Provides 2026 Guidance
TRU
Earnings
Guidance Update
Share Buyback
- TransUnion concluded 2025 with a strong fourth quarter, achieving 12% organic revenue growth and 10% adjusted diluted EPS growth.
- The company provided full-year 2026 guidance, anticipating 8%-9% organic constant currency revenue growth and 8%-10% adjusted diluted EPS growth.
- The multi-year transformation investment program was completed in Q4 2025, with full target savings expected in 2026 and a reduction in capital intensity to approximately 6% of revenue.
- Shareholder-centric capital deployment included $150 million in share repurchases during Q4 2025, totaling $300 million for the year, and a 9% increase in the quarterly dividend to $0.125 per share.
- An acquisition of a majority ownership in TransUnion de México for approximately $660 million is expected to close in the first half of 2026, though it is not included in the current guidance.
5 days ago
TransUnion Reports Strong Q4 and Full-Year 2025 Results, Provides 2026 Guidance
TRU
Earnings
Guidance Update
Share Buyback
- TransUnion reported strong Q4 2025 organic constant currency revenue growth of +12% and Adjusted Diluted EPS growth of +10%, exceeding guidance. For the full year 2025, organic constant currency revenue grew +9% and Adjusted Diluted EPS grew +10%, with an Adjusted EBITDA Margin of 36.0%.
- The company provided 2026 guidance, projecting organic constant currency revenue growth of +8% to 9%, Adjusted EBITDA growth of +7% to 8%, and Adjusted Diluted EPS growth of +8% to 10%.
- In 2025, TransUnion returned approximately $390 million to shareholders, including ~$300 million in share repurchases. The quarterly dividend was raised to $0.125, effective Q4 2025 , and the Board expanded share repurchase authorization to $1 billion in October 2025.
- The Leverage Ratio was reduced to 2.6x at year-end 2025, improving from 3.0x at year-end 2024.
5 days ago
TransUnion Reports Strong Q4 and Full-Year 2025 Results, Provides Optimistic 2026 Guidance
TRU
Earnings
Guidance Update
New Projects/Investments
- TransUnion reported strong Q4 2025 results, with consolidated revenue increasing 13% on a reported basis and 12% on an organic constant currency basis, and adjusted diluted EPS rising 10% to $1.07.
- For the full year 2025, the company achieved its second consecutive year of high single-digit revenue growth and double-digit adjusted diluted EPS growth, outperforming initial guidance and returning $390 million to shareholders through buybacks and dividends.
- The company issued 2026 guidance projecting 8%-9% organic constant currency revenue growth and 8%-10% adjusted diluted EPS growth, with an expectation to deliver towards the high end of this range.
- Key strategic drivers for 2026 include accelerating AI-powered solutions across its portfolio, completing U.S. credit migrations onto the OneTru platform, and leveraging VantageScore adoption for profit and margin upside in the mortgage market.
5 days ago
TransUnion Reports Strong Q4 2025 Results and Provides 2026 Guidance
TRU
Earnings
Guidance Update
Share Buyback
- TransUnion reported strong Q4 2025 results, with revenues increasing 12% organically and adjusted diluted EPS growing 10%.
- For the full year 2025, the company achieved its second consecutive year of high single-digit revenue growth and double-digit adjusted diluted EPS growth, expanding adjusted EBITDA margins by 50 basis points (excluding FICO mortgage royalties).
- The company completed its multi-year transformation investment program on schedule and budget in Q4 2025, expecting to realize full target savings in 2026, and repurchased $150 million in shares during the quarter, totaling $300 million for the year.
- TransUnion provided 2026 guidance, anticipating organic constant currency revenue growth of 8%-9% (or 5%-6% excluding FICO mortgage royalties), adjusted EBITDA growth of 7%-8%, and adjusted diluted EPS growth of 8%-10%.
- The 2026 guidance also projects adjusted EBITDA margin expansion of 70 basis points (excluding FICO mortgage royalty payments) and free cash flow generation of 90% or greater as a percentage of adjusted net income.
5 days ago
TransUnion Announces Strong Fourth Quarter and Full-Year 2025 Results
TRU
Earnings
Guidance Update
Share Buyback
- TransUnion reported Q4 2025 revenue of $1,171 million, an increase of 13 percent compared to Q4 2024, and full-year 2025 revenue of $4,576 million, up 9 percent from 2024.
- For Q4 2025, Adjusted Diluted Earnings Per Share was $1.07 and Adjusted EBITDA was $417 million, representing a 10 percent increase. Full-year 2025 Adjusted Diluted Earnings Per Share was $4.30 and Adjusted EBITDA was $1,646 million, up 9 percent.
- The company repurchased approximately $150 million of shares in Q4 2025, bringing the total for 2025 to $300 million, and raised its quarterly dividend to $0.125 per share.
- TransUnion introduced 2026 financial guidance, expecting 8 to 9 percent revenue growth and 8 to 10 percent Adjusted Diluted Earnings Per Share growth.
5 days ago
TransUnion Announces Strong Fourth Quarter and Full-Year 2025 Results
TRU
Earnings
Guidance Update
Share Buyback
- TransUnion reported strong fourth quarter 2025 revenue of $1,171 million, an increase of 13% (or 12% on an organic constant currency basis) compared to the fourth quarter of 2024, and full-year 2025 revenue of $4,576 million, up 9% (or 10% on a constant currency basis) compared to 2024.
- Adjusted Diluted Earnings Per Share for Q4 2025 was $1.07, compared with $0.97 for Q4 2024, and for full-year 2025 was $4.30, compared with $3.91 in 2024.
- The company repurchased approximately $150 million of shares in the fourth quarter of 2025, for a total of $300 million in 2025.
- The quarterly dividend was raised to $0.125 per share, an increase from $0.115, effective fourth quarter of 2025.
- For 2026, TransUnion expects to deliver 8% to 9% revenue growth and 8% to 10% Adjusted Diluted EPS growth.
5 days ago
TransUnion Launches New Mortgage Pricing Model with VantageScore 4.0
TRU
Product Launch
New Projects/Investments
- TransUnion's revised mortgage pricing model, utilizing VantageScore® 4.0, went live last week, aiming to provide greater access to loans and lower costs for lenders and homebuyers.
- For 2026, TransUnion is offering VantageScore 4.0 for $4 per score, which is a 60% discount compared to a FICO score, designed to keep underwriting costs flat compared to 2025.
- This new pricing strategy directly responds to FICO's royalty hikes, which have increased over 100% for 2026 and more than 1600% over the last four years, significantly impacting mortgage lending data costs.
Jan 8, 2026, 9:15 PM
Triple-I: Homeowners Insurance Market Shows Stabilization Signs
TRU
Guidance Update
Revenue Acceleration/Inflection
Demand Weakening
- The U.S. homeowners insurance market is beginning to show early signs of stabilization, with a projected double-digit net written premium growth in 2025 and a return to overall profitability expected in 2026.
- The Q2 2025 direct incurred loss ratio improved significantly to 58.9%, marking the strongest second-quarter result in more than 15 years.
- Despite these improvements, homeowners are still feeling the strain, with 43% reporting stress from rising insurance costs and rate-shopping increasing an estimated 5% year-over-year in Q1 2025.
- The 2025 net combined ratio is forecast at 107.2%, representing a 7.5-point improvement from 2024, though still considered elevated.
- Climate-related losses continue to be a significant factor, with 18 billion-dollar weather events occurring in 2025 year-to-date, causing over $61 billion in damage.
Dec 17, 2025, 7:00 PM
TransUnion Forecasts Moderate Credit Card Growth and Stable Delinquencies for 2026
TRU
Guidance Update
Demand Weakening
- TransUnion's 2026 Consumer Credit Forecast projects credit card balances to grow 2.3% year-over-year, reaching $1.18 trillion by the end of 2026. This marks the smallest annual increase since 2013, excluding 2020.
- Credit card delinquency rates (90+ days past due) are forecast to remain virtually flat, increasing by just one basis point to 2.57% in 2026. This stability is attributed to tighter underwriting and proactive risk management by card issuers.
- For other credit products, delinquency rates are expected to see slight increases in 2026: Auto Loans 60+ DPD at 1.54% (+3 bps YoY), Mortgage 60+ DPD at 1.65% (+11 bps YoY), and Unsecured Personal Loans 60+ DPD at 3.75% (+1 bps YoY).
- The forecast considers economic factors such as an inflation rate of 2.45%, an expected rise in unemployment to 4.5% by late 2026, and anticipated Federal Reserve rate cuts.
Dec 10, 2025, 1:17 PM
TransUnion reports on student loan delinquencies and rental market impact
TRU
Demand Weakening
New Projects/Investments
- The number of rental applicants 90+ days delinquent on student loans more than doubled in the first half of 2025, increasing from 15% in January to 32% in May.
- This financial strain is causing renters with previously low-risk Prime credit scores (661-720) to slip into riskier categories, with 59% falling to Near Prime and 23% to Sub Prime.
- TransUnion advises property managers to use purpose-built rental risk models that consider factors like eviction history and rental payment behavior, rather than traditional credit scores, to mitigate risk and maintain applicant pools.
- The report also highlights that financial stress can lead to fraud, recommending multifamily-specific fraud detection tools to verify identities and prevent costly evictions.
Dec 4, 2025, 1:17 PM
Quarterly earnings call transcripts for TransUnion.
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