TransUnion

TransUnion engages in the provision of information and risk management solutions. It also provides consumer reports, risk scores, analytical services and decision making capabilities to businesses. The firm operates through the following segments: U.S. Markets, International, Consumer Interactive, and Corporate. The U.S. Markets segment provides consumer reports, risk scores, analytical services and decision making capabilities to businesses. The International segment provides credit reports, analytics and decision making services and other value-added risk management services. The Consumer Interactive segment offers solutions that help consumers manage their personal finances and take precautions against identity theft. The Corporate segment provides support services to each segment, holds investments and conducts enterprise functions. The company was founded on February 15, 2012, and is headquartered in Chicago, IL.

Earnings data Q1 2021

Earnings data Q2 2021

Earnings data Q3 2021

Earnings data Q4 2021

Earnings data Q1 2022

Earnings data Q2 2022

Earnings data Q3 2022

Earnings data Q4 2022

Earnings data Q1 2023

Earnings data Q2 2023

Earnings data Q3 2023

Earnings data Q4 2023

Earnings data Q1 2024

Earnings data Q2 2024

Earnings data Q3 2024

Earnings data Q4 2024

TransUnion reports robust Q4 performance and outlines growth strategies

TransUnion's Q4 2022 performance showcased resilience with strong revenue growth and margin expansion despite market challenges.
The company's strategic focus on margin expansion, commitment to targets, and confidence in achieving EPS goals position it well for future growth.
Challenges in revenue guidance, margin impacts, and market conditions are being addressed through prudent cost management and growth strategies.
Opportunities for growth lie in cost savings, revenue uptick, effective integration of acquisitions, and maintaining workforce quality for project execution.

TransUnion beats Q1 guidance, eyes margin expansion and fintech

TransUnion surpassed Q1 guidance, with strong performance in US markets and international segments.
Diversified customer base shields from direct impact of recent failures, focusing on margin expansion and AI capabilities.
Challenges include market uncertainties and a decline expected in Consumer Lending business.
Opportunities lie in revenue acceleration in emerging verticals and embracing fintech solutions for customer demands.

TransUnion reports solid Q2 growth, eyes Neustar integration benefits

TransUnion's Q2 performance showed revenue growth and strong international segment results.
Partnerships and Neustar's growth potential are key strengths for future opportunities.
Market uncertainties and competition pose challenges, but revenue diversification and cost management are key focus areas.
Optimism about accelerating insurance growth and EBITDA margin improvement signal positive outlook.

TransUnion reports Q3 growth amidst market challenges and launches OneID platform

TransUnion's Q3 performance showed revenue and EBITDA growth, despite challenges in key markets. The company is focusing on launching innovative solutions like OneID and addressing regulatory and market challenges to drive future growth.

TransUnion surpasses Q4 expectations, eyes growth amidst challenges

TransUnion's Q4 2023 performance exceeded expectations, with strong revenue growth and strategic priorities set for 2024 to drive further growth.
While facing challenges in certain segments, the company's strengths lie in its diverse revenue streams and margin improvement initiatives.
Opportunities for growth include leveraging NuStar's capabilities, sector recoveries, and transformation initiatives, positioning TransUnion for a promising year ahead.

TransUnion exceeds $1B revenue in Q1 2024, raises guidance

TransUnion's Q1 2024 earnings call highlighted strong revenue growth exceeding $1 billion, driven by mortgage performance. Full-year guidance raised due to robust Q1 results and better mortgage price realization. International business momentum is strong, with a shift towards low double-digit growth expectations.
Challenges in tenant and employment screening due to regulatory requirements may impact growth, but improvements expected. Insurance industry faces challenges with increased events affecting underwriting volumes and consumer prices. Technology transformation through OneTru platform offers opportunities for enhanced data analytics.
Diversified portfolio balance, intentional growth in core U.S. financial services, and stable trends indicate strength. India market showcases growth potential, while integration of Argus and Sontiq's performance contribute positively. Expectations for higher growth from emerging verticals and improved international market results present opportunities.

TransUnion surpasses Q2 guidance, eyes global growth and tech innovation

TransUnion's Q2 performance exceeded expectations, driven by strong revenue growth and operational efficiency initiatives
The company's strategic focus on technology modernization, debt management, and global expansion positions it for sustained growth and profitability
While challenges like economic uncertainties persist, TransUnion's conservative guidance and diversified market presence offer stability and growth potential

TransUnion surpasses Q3 expectations, drives innovation for sustained growth

TransUnion delivered a robust performance in Q3, surpassing guidance and demonstrating strong revenue growth across key segments.
The company's focus on innovation, operational efficiency, and strategic transformation positions it well for future growth and value creation.
While facing challenges in a dynamic market environment, TransUnion remains agile and poised to capitalize on opportunities for expansion and revenue diversification.
With an upward revision of full-year guidance and a clear strategic roadmap, TransUnion is on track to deliver sustainable value to shareholders and stakeholders.

Revenue

Cost of revenue

Gross profit

Operating expenses

SG&A

Other

Operating income

EBITDA

Net income

Earnings per share

Total assets

Current assets

Cash & equivalents

Receivables

Inventory

Non-current assets

Net PPE

Intangibles

Total liabilities

Current liabilities

Short term debt

Income tax payable

Non-current liabilities

Long-term debt

Total equity

Stockholders equity

Minority interest

Total liabilities & equity

Total debt

Net debt

Book value per share

Cash from operations

Funds from operations

Change in working capital

Cash from investing

Capital expenditure

Purchase/sale of investments

Purchase/sale of business

Other sources

Cash from financing

Change in stock

Change in debt

Cash dividends paid

Cash from other sources

Net change in cash

Free cash flow

TransUnion engages in the provision of information and risk management solutions. It also provides consumer reports, risk scores, analytical services, and decision-making capabilities to businesses. It operates through the following segments: U.S. Markets, International, Consumer Interactive, and Corporate. The U.S. Markets segment provides consumer reports, risk scores, analytical services, and decision-making capabilities to businesses. The International segment provides credit reports, analytics and decision-making services and other value-added risk management services. The Consumer Interactive segment offers solutions that help consumers manage their personal finances and take precautions against identity theft. The Corporate segment provides support services to each segment, holds investments, and conducts enterprise functions. The company was founded on February 15, 2012, and is headquartered in Chicago, IL.

TAMPA, Fla.--(BUSINESS WIRE)--Funnel Partners with TransUnion to Make Applying for an Apartment as Easy as Ordering Online

Funnel Partners with TransUnion to Make Applying for an Apartment as Easy as Ordering Online

CHICAGO, March 15, 2022 (GLOBE NEWSWIRE) -- TransUnion (NYSE: TRU) will host its 2022 Investor Day today. The event, which will be hosted in New York City and via livestream, will begin at 8:00 a.m. Eastern Time (ET) and is expected to conclude at approximately 12:00 p.m. ET. The live webcast can be accessed on the TransUnion Investor Relations website at http://www.transunion.com/tru. Presentation materials and other related information will be posted to the website, and a webcast replay will also be accessible following the event.

TransUnion Investor Day to Highlight Growth Playbook, Building from the Core to Accelerate the Next Generation of Growth

CHICAGO, March 10, 2022 (GLOBE NEWSWIRE) -- TransUnion (NYSE: TRU) today announced that Chris Cartwright, President and CEO, and Todd Cello, Executive Vice President, CFO, will present at the BofA Securities Information Services Conference on Thursday, March 17, 2022. The presentation is scheduled to begin at 8:45 a.m. CT (9:45 a.m. ET). A live webcast of the presentation will be made available on the TransUnion Investor Relations website at http://www.transunion.com/tru. A replay will also be available on the company's website following the conclusion of the presentation.

TransUnion to Present at the 2022 BofA Securities Information Services Conference

Enhanced digital lending solution offers a personalized car shopping experience with interactive price-point filtering tool and real-time dealer inventory Enhanced digital lending solution offers a personalized car shopping experience with interactive price-point filtering tool and real-time dealer inventory

TransUnion Empowers Digital Auto Buyers with a More Personalized Shopping Experience, Allowing them to Secure Monthly Payment Information Directly from Lenders

TransUnion releases global report on annual digital fraud trends TransUnion releases global report on annual digital fraud trends

Shipping Fraud Increased Nearly 800% Worldwide in the Past Year

CHICAGO, March 08, 2022 (GLOBE NEWSWIRE) -- TransUnion (NYSE: TRU) will host an Investor Day on Tuesday, March 15, 2022. The event, which will begin at 8:00 a.m. Eastern Time (ET) and is expected to conclude at approximately 12:00 p.m. ET, will feature a series of presentations from executive management, segment presidents and a number of other TransUnion leaders.

TransUnion Investor Day Scheduled for March 15, 2022

BNPL is rising in popularity as shoppers look for alternatives to traditional credit cards — and TransUnion is now including this data in credit reporting.

TransUnion to include buy now, pay later loans on credit reports

TransUnion's Consumer Pulse study reports increase in plans to reduce discretionary spending TransUnion's Consumer Pulse study reports increase in plans to reduce discretionary spending

Consumer Spending Behavior Shifts as Two in Three Americans Say They are Extremely or Very Concerned About Inflation

TORONTO, March 01, 2022 (GLOBE NEWSWIRE) -- TransUnion today released the findings of its Q4 2021 TransUnion Credit Industry Report (CIIR), which showed signs of a return to pre-pandemic activity in the Canadian credit market. As part of the CIIR, TransUnion maps consumer credit health with its Credit Industry Indicator (CII), which rose 32 points year-on-year (YoY) to 101.6 during the period, driven by ongoing improvements in credit performance, as well as strong demand and supply of credit. While there has been continued momentum as the economy recovers from the pandemic, the CII has not yet returned to pre-pandemic levels; in December 2019, it was at 105.7. The CII, which TransUnion launched in July 2021, is a country-specific measure of consumer credit health trends in four categories: demand, supply, consumer behaviour and performance.

Canadian Credit Market Returns to Pre-Pandemic Levels

In what it described as a move to promote financial inclusion for 100 million buy now, pay later (BNPL) users, TransUnion has launched a new suite of solutions designed to help these people get and establish credit. “The inclusion of point-of-sale loans including BNPL into credit reports and other risk management tools can help tens […]

TransUnion Launches BNPL Credit Tool

Verisk Analytics

TransUnion (NYSE: TRU) recently announced it signed a definitive agreement to buy Verisk Financial Services for $515 million. This is why.

Why TransUnion Is Buying Verisk Financial Services For $515 Million

TransUnion (TRU) fourth-quarter 2021 earnings and revenues increase year over year.

TransUnion (TRU) Stock Declines 5.9% on Q4 Earnings Miss

CHICAGO, Feb. 24, 2022 (GLOBE NEWSWIRE) -- TransUnion (NYSE: TRU) today announced that its Board of Directors declared a cash dividend of $0.095 per share for the fourth quarter 2021. The dividend will be payable on March 25, 2022, to shareholders of record on March 10, 2022.

TransUnion Declares Fourth Quarter 2021 Dividend of $0.095 per Share

Property and auto insurance shopping slows at end of 2021 Property and auto insurance shopping slows at end of 2021

Property Insurance Shopping Drops into Negative Figures for First Time in 18 Months

TransUnion is planning a $515 million acquisition deal for the financial services business unit of Verisk — Verisk Financial Services — which offers competitive studies, predictive analytics, models and advisory services for financial institutions, payments providers and retailers worldwide. Argus Information & Advisory Services, Verisk Financial's leading business, offers proprietary portfolio performance insights that complement […]

TransUnion Plans $515M Acquisition of Verisk Financial Services

TransUnion (TRU) CEO Chris Cartwright on Q4 2021 Results - Earnings Call Transcript

TransUnion (TRU) delivered earnings and revenue surprises of -10% and 0.62%, respectively, for the quarter ended December 2021. Do the numbers hold clues to what lies ahead for the stock?

TransUnion (TRU) Q4 Earnings and Revenues Lag Estimates

CHICAGO, Feb. 22, 2022 (GLOBE NEWSWIRE) -- TransUnion (NYSE:TRU) has signed a definitive agreement to acquire Verisk Financial Services, the financial services business unit of Verisk (Nasdaq: VRSK). Verisk Financial is relied upon by leading financial institutions, payments providers and retailers worldwide for competitive studies, predictive analytics, models and advisory services to provide a clear perspective on where their business stands today — and how to best position them for success in the future.

TransUnion Enhances Consumer Insights with Agreement to Acquire Verisk Financial Services

CHICAGO, Feb. 22, 2022 (GLOBE NEWSWIRE) -- TransUnion (NYSE: TRU) (the “Company”) today announced financial results for the quarter and year ended December 31, 2021.

TransUnion Announces Strong Fourth Quarter 2021 Results and Continues to Strengthen its Portfolio by Adding Capabilities in High-Growth Markets

TransUnion (TRU) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report.

Will TransUnion (TRU) Beat Estimates Again in Its Next Earnings Report?

TransUnion's (TRU) fourth-quarter 2021 earnings and revenues are likely to have increased year over year.

TransUnion (TRU) to Post Q4 Earnings: What's in the Offing?

TransUnion and Harris Poll survey finds more active viewing, more relevant ads and shorter ad breaks may boost consumers' commercial attention TransUnion and Harris Poll survey finds more active viewing, more relevant ads and shorter ad breaks may boost consumers' commercial attention

Streaming Eclipses Cable and Satellite TV Viewing; Consumers Pay More Attention to TV Programs and Ads When Streaming

RESTON, Va.--(BUSINESS WIRE)--Neustar wins Juniper Research Future Digital Award for Best Robocall Mitigation Solution

Neustar Wins Juniper Research Future Digital Award for Best Robocall Mitigation Solution

Q4 2021 TransUnion Credit Industry Insights Report explores latest credit trends Q4 2021 TransUnion Credit Industry Insights Report explores latest credit trends

Recent Vintage Loans Perform Well Even as More Non-Prime Consumers Secured Credit in Second Half of 2021

Score recognizes policies, benefits and programming critical to LGBTQ+ inclusion Score recognizes policies, benefits and programming critical to LGBTQ+ inclusion

News for TransUnion Stock (TRU)