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
Also covers: ADP, ADT, CBOE +21 more
Jason Haas
Wells Fargo
7 questions for TRU
Also covers: ASGN, CTAS, ECL +12 more
MP
Manav Patnaik
Barclays
7 questions for TRU
Also covers: BFAM, CLVT, CTAS +17 more
AS
Andrew Steinerman
JPMorgan Chase & Co.
6 questions for TRU
Also covers: ARMK, BFAM, CTAS +16 more
Faiza Alwy
Deutsche Bank
6 questions for TRU
Also covers: ABM, ADV, ARMK +18 more
KZ
Kelsey Zhu
Autonomous Research
6 questions for TRU
Also covers: EFX, FDS, MSCI +1 more
TK
Toni Kaplan
Morgan Stanley
6 questions for TRU
Also covers: ADT, ARMK, BFAM +18 more
Jeffrey Meuler
Robert W. Baird & Co. Incorporated
5 questions for TRU
Also covers: BFAM, CSGP, EFX +7 more
AN
Andrew Nicholas
William Blair & Company
3 questions for TRU
Also covers: AMTD, CBZ, CLVT +17 more
Scott Wurtzel
Wolfe Research
2 questions for TRU
Also covers: ADP, BR, CLVT +12 more
JM
Jeff Mueller
Baird
1 question for TRU
SC
Simon Clinch
Redburn Atlantic
1 question for TRU
Also covers: CME, EFX, FICO +4 more
ST
Surinder Thind
Jefferies Financial Group
1 question for TRU
Also covers: ASGN, CLVT, CSGP +25 more
Thomas Roesch
William Blair
1 question for TRU
Also covers: SPGI
Recent press releases and 8-K filings for TRU.
TransUnion Outlines Strategy for Scalable Growth and Compounding Cash Flow at 2026 Investor Day
TRU
New Projects/Investments
Guidance Update
Revenue Acceleration/Inflection
- TransUnion has completed a four-year transformation, establishing global platforms like OneTru and TrueOps to drive innovation-led, scalable growth and higher margins, positioning the company for an AI-driven future.
- The company views AI as a significant accelerant, already achieving 25-30% productivity gains in software development and 20% in consumer dispute resolution, while also increasing demand for its proprietary data.
- With a serviceable market estimated at over $50 billion, TransUnion has expanded its global footprint through strategic M&A, including the recent acquisition of Buró de Crédito in Mexico, aiming for greater revenue diversification.
- TransUnion projects a return to compounding high single-digit organic revenue growth and mid-teens earnings per share growth, expecting to generate approximately $3 billion in free cash flow from 2026 to 2028 with an increased focus on shareholder returns. The high end of 2026 guidance assumes $4.71 adjusted diluted EPS.
4 minutes ago
TransUnion outlines strategic platforms and financial targets at 2026 Investor Day
TRU
Guidance Update
New Projects/Investments
Revenue Acceleration/Inflection
- TransUnion's 2026 Investor Day emphasized a new era of accelerated value creation through innovation and scalable technology, powered by global platforms like OneTru and TrueOps.
- The company set a medium-term financial framework targeting high single-digit organic revenue growth, 50 basis points of annual margin expansion, and low to mid-teens adjusted diluted EPS growth.
- TransUnion anticipates generating approximately $3 billion in free cash flow from 2026 to 2028, with a 90%+ conversion rate, enabling increased shareholder returns through dividends and share repurchases.
- Strategic investments, including the Neustar acquisition, have driven significant value, doubling Neustar's adjusted EBITDA to $255 million and contributing $70 million in annual savings from technology consolidation.
- AI is a key accelerant, improving internal productivity by 25%-30% for developers and 20% in consumer dispute resolution, and enhancing external solutions like the TruValidate fraud platform with a 40% boost in predictiveness.
3 hours ago
TransUnion Presents Strategy for Innovation-Led Growth and Financial Targets at 2026 Investor Day
TRU
New Projects/Investments
Guidance Update
Revenue Acceleration/Inflection
- TransUnion outlined its strategy for innovation-led and scalable growth, driven by the OneTru global AI-enabled cloud platform which unifies data, identity, analytics, and decisioning across markets.
- The company is expanding its competitive footprint by diversifying beyond traditional credit into fraud, marketing, and consumer solutions, and extending into new geographies, notably with the recent Buró de Crédito transaction in Mexico making it the leading bureau across North America.
- TransUnion provided a medium-term financial framework targeting high single-digit organic revenue growth, 50 basis points of annual margin expansion, and low to mid-teens adjusted diluted EPS growth.
- Strategic investments, including $4.8 billion across five acquisitions and $700 million in transformational programs, have laid the foundation for future growth and efficiency, with the Neustar acquisition alone doubling adjusted EBITDA to $255 million and contributing $70 million in annual technology savings.
5 hours ago
TransUnion Reintroduces Medium-Term Financial Framework and Reiterates 2026 Guidance
TRU
Guidance Update
Revenue Acceleration/Inflection
Share Buyback
- TransUnion (TRU) is hosting its 2026 Investor Day on March 10, 2026, to discuss its transformation, AI-powered platform, and growth drivers, aiming for durable growth, stronger cash flow, and increased shareholder returns.
- The company reintroduced a medium-term financial framework, projecting high-single digit organic constant-currency revenue growth per year, 50 basis points of underlying Adjusted EBITDA margin expansion per year, and low-to-mid teens Adjusted Diluted Earnings per Share growth per year.
- TransUnion expects to deliver 90 percent or greater free cash flow conversion over the medium-term and anticipates an increased bias to return capital to shareholders through share repurchases and dividends.
- The company reiterated its full year 2026 financial guidance, which does not yet include the acquisition of Trans Union de México, but plans to incorporate it alongside its first quarter 2026 earnings results.
12 hours ago
TransUnion Reintroduces Medium-Term Financial Framework and Reiterates 2026 Guidance at Investor Day
TRU
Guidance Update
Revenue Acceleration/Inflection
New Projects/Investments
- TransUnion (TRU) is hosting its 2026 Investor Day on March 10, 2026, to discuss its transformation and future growth, focusing on its differentiated data foundation and AI-powered OneTru™ technology platform.
- The company reintroduced a medium-term financial framework, targeting high-single digit organic constant-currency revenue growth per year, 50 basis points of underlying Adjusted EBITDA margin expansion per year, and low-to-mid teens Adjusted Diluted Earnings per Share growth per year.
- TransUnion reiterated its full year 2026 financial guidance. Key figures for FY 2026 are presented in the table below.
- The company anticipates 90 percent or greater free cash flow conversion over the medium-term and an increased bias to return capital to shareholders through share repurchases and dividends.
- The acquisition of majority ownership of Trans Union de México, which closed on March 2, 2026, will be incorporated into the full-year 2026 guidance alongside the first quarter 2026 earnings results.
| Metric | FY 2026 |
|---|---|
| Net income attributable to TransUnion ($USD Millions) | $553 |
| Adjusted EBITDA ($USD Millions) | $1,777 |
| Consolidated Adjusted EBITDA Margin (%) | 35.7% |
| Diluted EPS ($USD) | $2.83 |
| Adjusted Diluted EPS ($USD) | $4.71 |
13 hours ago
TransUnion announces new pricing for VantageScore® 4.0
TRU
Product Launch
New Projects/Investments
- TransUnion has announced a new, lower price of 99 cents per mortgage origination score for VantageScore® 4.0.
- This new pricing is estimated to generate over $900 million in potential savings for lenders and consumers.
- The initiative supports the Federal Housing Finance Agency’s (FHFA) focus on increasing score competition in the mortgage market and promoting housing affordability.
- TransUnion will continue to offer VantageScore 4.0 for free to mortgage customers who purchase a FICO score from TransUnion.
1 day ago
TransUnion Launches AI Analytics Orchestrator Agent with Google Cloud
TRU
Product Launch
New Projects/Investments
Revenue Acceleration/Inflection
- TransUnion (NYSE: TRU) announced its AI Analytics Orchestrator Agent, a new capability built on its OneTru™ platform that leverages Google’s Gemini models to power advanced analytics within its TruIQ® solutions suite.
- This Agent is designed to accelerate and simplify advanced credit analytics for the financial services industry, enabling customers to translate natural-language questions into governed analytical workflows.
- The company expects this capability to significantly reduce analytic cycle times and unlock new transactional revenue opportunities for TransUnion.
- TransUnion plans to continue enhancing the technology throughout 2026 by expanding its library of reusable workflows and scaling the capability across additional markets and use cases.
5 days ago
TransUnion Completes Acquisition of Majority Ownership in Buró de Crédito
TRU
M&A
New Projects/Investments
- TransUnion (TRU) has completed the acquisition of an additional 68% of Trans Union de México, S.A., S.I.C., increasing its total ownership to approximately 94%.
- The cash consideration for the transaction was approximately $662 million (MXN 11.4 billion).
- TransUnion expects the acquisition to be modestly accretive to Adjusted Diluted EPS in its first year of ownership.
- This acquisition establishes TransUnion as the largest credit bureau operation in Spanish-speaking Latin America.
Mar 2, 2026, 9:08 PM
TransUnion Reports on Canadian Household Debt and Credit Market Trends in Q4 2025
TRU
- Canadian household debt reached $2.6 trillion in Q4 2025, representing a 4.3% year-over-year increase, with borrowing activity concentrated among existing credit users.
- The credit market demonstrates resilience, with 71.6% of credit-active Canadians in prime and better risk tiers in Q4 2025, and 19.4% improving their credit standing over the past year.
- Consumer credit delinquencies largely stabilized in Q4 2025 across major credit products; auto loan delinquencies improved by 5 bps to 0.90%, while installment loan delinquencies increased by 24 bps to 2.68%.
- Super prime borrowers hold the largest share of debt at $1.41 trillion, growing 6.9% year-over-year, while subprime borrowers experienced the highest balance growth rate at 8.9% year-over-year.
Feb 25, 2026, 11:00 AM
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.
Feb 12, 2026, 2:30 PM
Quarterly earnings call transcripts for TransUnion.
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