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.

Venkat Achanta Appointed Executive Vice President, Chief Data & Analytics Officer Venkat Achanta Appointed Executive Vice President, Chief Data & Analytics Officer

TransUnion Appoints Charles E. Gottdiener to its Board of Directors

CHICAGO, Jan. 25, 2022 (GLOBE NEWSWIRE) -- TransUnion (NYSE: TRU) will publish its financial results for the fourth quarter ended December 31, 2021, in a press release to be issued by 6:00 a.m. Central Time (CT) on Tuesday, February 22, 2022. Concurrently, the company also intends to file its 2021 Form 10-K, which will include substantial disclosure related to the acquisitions of Neustar and Sontiq as well as the divestiture of the company's Healthcare business. The company will hold a conference call on the same day at 8:30 a.m. Central Time (CT) to discuss its financial results. The press release and a live webcast of the earnings conference call will be available on the TransUnion Investor Relations website at http://www.transunion.com/tru.

TransUnion Announces Earnings Release Date for Fourth Quarter 2021 Results

Equifax

Experian PLC

ATLANTA & COSTA MESA, Calif. & CHICAGO--(BUSINESS WIRE)--The three nationwide credit reporting agencies – Equifax (NYSE: EFX), Experian (LON: EXPN) and TransUnion (NYSE: TRU) – are taking joint action to extend the pandemic response service offering free weekly credit reports to consumers through the end of 2022. This benefit will continue to help consumers across the country manage their financial health during the ongoing hardship and economic uncertainty caused by COVID-19. The companies' CE

Equifax, Experian and TransUnion Extend Free Weekly Credit Reports Through End of 2022

RESTON, Va.--(BUSINESS WIRE)--Neustar expands suite of Contact Center Solutions with the launch of Email Intelligence

Neustar Expands Suite of Contact Center Solutions with the Launch of Email Intelligence

New solution utilizes advanced fraud analytics to support friction-right customer experiences New solution utilizes advanced fraud analytics to support friction-right customer experiences

TransUnion Introduces TruValidate Identity Exchange in Canada

TransUnion will begin offering credit information to blockchain lenders with the help of security firm Spring Labs, the two companies announced Wednesday (Jan. 12). “The move enables better-informed, privacy-preserving DeFi and Web3 applications (internet applications based on public blockchains), unlocking a new world of permissioned and reputation-based products and features,” the companies said in a […]

TransUnion to Enable Credit Checks for Blockchain Lenders

Institutions that lend cryptocurrency will now have the ability to check credit reports. For example, TransUnion (NYSE: TRU), a major consumer credit reporting firm in the United States, will allow for consumers to give blockchain corporations access to their personal credit information via the ky0x Digital Passport from Spring Labs.

TransUnion's crypto will now check credit data for the crypto lending space

The consumer credit reporting firm TransUnion (NYSE:TRU) will now provide cryptocurrency lenders operating via the blockchain access to its consumer credit data. What Happened: According to a Wall Street Journal report, TransUnion will deploy Spring Labs' ky0x Digital Passport to enable this data access.

TransUnion To Make Consumer Credit Data Available To Cryptocurrency Lenders

CONWAY, Ark.--(BUSINESS WIRE)--Acxiom®, the customer intelligence company whose data-driven solutions create business growth by enabling better customer experiences, today announced a data partnership with TransUnion via the TruAudience® Data Marketplace, enabling brands to utilize Acxiom's powerful marketing audiences across the streaming media ecosystem. With Acxiom audiences in the TruAudience Data Marketplace, advertisers can fine-tune their digital audience strategy in new environments lik

Acxiom Announces Partnership with TransUnion to Make Scaled Data Actionable Across Streaming Media

Clearlake Capital-Backed nThrive Completes Acquisition of TransUnion's Healthcare Business

CHICAGO, Dec. 17, 2021 (GLOBE NEWSWIRE) -- TransUnion (NYSE: TRU) announced today that it completed the sale of TransUnion Healthcare, Inc. (“TransUnion Healthcare”) to nThrive, Inc. (“nThrive”), a leading healthcare revenue cycle management (“RCM”) software-as-a-service (“SaaS”) platform backed by Clearlake Capital Group, L.P. (together with certain affiliates, “Clearlake”), for $1.735 billion in cash.

TransUnion Completes Sale of TransUnion Healthcare to nThrive for $1.7 Billion

Increasing digitization, calls for fairness and equality, and adoption of telematics likely to shape industry Increasing digitization, calls for fairness and equality, and adoption of telematics likely to shape industry

TransUnion Shares Three Trends for Life, Personal and Commercial Insurance in 2022

TransUnion's financial services forecast explores future credit trends for auto, credit card, mortgage and personal loans TransUnion's financial services forecast explores future credit trends for auto, credit card, mortgage and personal loans

TransUnion Forecasts Originations to Non-Prime Borrowers Will Continue to Rise for Many Credit Products in 2022

RESTON, Va.--(BUSINESS WIRE)--Neustar enables seamless cross-border STIR/SHAKEN Call Authentication between US and Canada

Neustar Enables Seamless Cross-Border STIR/SHAKEN Call Authentication Between US and Canada

Partnership will provide credit education tool to HomeFree-USA customers, primarily first time homebuyers of color

TransUnion Announces Partnership with HomeFree-USA to Help Close Racial Homeownership Gap

TORONTO, Dec. 07, 2021 (GLOBE NEWSWIRE) -- TransUnion today released the findings of its Q3 2021 TransUnion Credit Industry Insights Report (CIIR), which showed increased consumer credit activity as the economy reopened. TransUnion Canada's Credit Industry Indicator (CII) rose to 101.7 points, up eight points from Q2 2021 and up 38 points from the lowest point in the pandemic (August 2020 at 63.6). 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 Shows Continued Positive Momentum

RESTON, Va.--(BUSINESS WIRE)--Neustar and BERA partner to help marketers measure and optimize their brand building investments across marketing channels

Neustar and BERA Partner to Help Marketers Measure and Optimize Their Brand Building Investments Across Marketing Channels

TransUnion analysis shows rental tradeline data provides a 10+% lift in predicting delinquencies TransUnion analysis shows rental tradeline data provides a 10+% lift in predicting delinquencies

Rent Payment History Offers Greater Predictability into Consumer Credit Performance

The latest acquisition is expected to complement TransUnion's (TRU) digital identity assets and solutions.

TransUnion (TRU) to Gain From Sontiq Buyout: Here's How

TransUnion research finds one quarter of consumers are more concerned about becoming a victim of digital fraud this holiday season compared to last year TransUnion research finds one quarter of consumers are more concerned about becoming a victim of digital fraud this holiday season compared to last year

Suspected E-Commerce Fraud Attempt Rates Between Thanksgiving and Cyber Monday Increase 25% Compared to the Rest of the Year

CHICAGO, Dec. 01, 2021 (GLOBE NEWSWIRE) -- TransUnion (NYSE: TRU) announced today that it has completed the acquisition of Sontiq, a leader in digital identity protection and security, for $638 million.

TransUnion Completes Acquisition of Sontiq

TransUnion's Largest Acquisition to Date Will Accelerate Growth of Identity-Based Solutions TransUnion's Largest Acquisition to Date Will Accelerate Growth of Identity-Based Solutions

TransUnion and Neustar Announce Transaction Close

CHICAGO, Nov. 29, 2021 (GLOBE NEWSWIRE) -- Today TransUnion (NYSE: TRU) announced its new climate pledge to reach net-zero on Scope 1 and Scope 2 greenhouse gas emissions by 2025, and 30% reductions on leased real estate Scope 3 emissions by 2030. As climate change continues to threaten global well-being and environmental stability, TransUnion is pledging to be part of the solution by reducing greenhouse gas emissions.

TransUnion Pledges to Reach Net-Zero Scope 1 and 2 Greenhouse Gas Emissions by 2025

TransUnion (TRU) reported earnings 30 days ago. What's next for the stock?

TransUnion (TRU) Up 4.3% Since Last Earnings Report: Can It Continue?

Mooney brings more than 20 years of experience with leadership roles at Scotiabank and American Express Mooney brings more than 20 years of experience with leadership roles at Scotiabank and American Express

News for TransUnion Stock (TRU)