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.

Teck Resources

Stock markets were broadly higher on Tuesday. TransUnion shares fell as the credit reporting bureau expects slower growth in the U.S. and U.K. Teck Resources reported lower revenue and profits as commodity prices eased.

Wall Street Showed No Mercy to These 2 Stocks Tuesday

TransUnion (NYSE:TRU ) Q3 2023 Results Conference Call October 24, 2023 9:30 AM ET Company Participants Aaron Hoffman - Senior Vice President Chris Cartwright - President and Chief Executive Officer Todd Cello - Executive Vice President and Chief Financial Officer Conference Call Participants Kelsey Zhu - Autonomous Research Faiza Alwy - Deutsche Bank Jeff Meuler - Baird Andrew Steinerman - JPMorgan Heather Balsky - Bank of America Toni Kaplan - Morgan Stanley Ashish Sabadra - RBC Capital Markets Manav Patnaik - Barclays Andrew Nicholas - William Blair Operator Good morning. And welcome to TransUnion's 2023 Third Quarter Earnings Conference Call [Operator Instructions].

TransUnion (TRU) Q3 2023 Earnings Call Transcript

TransUnion shares slid 26% to $48.10 in late-morning trading on Tuesday, hitting a six-year low, after the provider of consumer credit scores announced third-quarter 2023 financial results that fell short of analyst expectations on both the top and bottom lines and cut its outlook for the full year.  For 3Q, TransUnion reported Adjusted earnings per share (EPS) of $0.91 on $968.7 million in revenue.

TransUnion stock drops on disappointing outlook; shares hit six-year low

TransUnion took a large charge to earnings in Q3, resulting in a loss for the quarter -- and probably for the year as well. Revenue is continuing to grow at the credit reporting bureau, but profits are not.

Why TransUnion Stock Sold Off 20% on Tuesday

TransUnion (TRU) came out with quarterly earnings of $0.91 per share, missing the Zacks Consensus Estimate of $0.95 per share. This compares to earnings of $0.93 per share a year ago.

TransUnion (TRU) Lags Q3 Earnings and Revenue Estimates

CHICAGO, Oct. 24, 2023 (GLOBE NEWSWIRE) -- TransUnion (NYSE: TRU) (the “Company”) today announced financial results for the quarter ended September 30, 2023.

TransUnion Announces Third Quarter 2023 Results

Pagaya Technologies Ltd

Oportun Financial Corporation

LAS VEGAS--(BUSINESS WIRE)--Pagaya Co-founder and CEO Gal Krubiner, National Bankers Association President and CEO Nicole Elam, Oportun CEO Raul Vazquez and TransUnion SVP and head of consumer lending Liz Pagel will speak on stage at the Money20/20 conference in Las Vegas on Tuesday, October 24 at 11:15 a.m. local time. A staggering 42% of US consumers who apply for a financial product are denied or not extended as much credit as they would like. The panel will tackle how data and technology ar.

Pagaya, National Bankers Association, Oportun and TransUnion at Money20/20: Data for Good: Bettering the Economy Through Financial Inclusion

Analysis shows significant impacts on consumers, mortgage lenders and the broader economy from the Federal Housing Finance Agency's proposed change Analysis shows significant impacts on consumers, mortgage lenders and the broader economy from the Federal Housing Finance Agency's proposed change

New TransUnion Analysis Examines Repercussions of FHFA's Proposed Move from Tri-Merge to Bi-Merge

The Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC) have taken enforcement actions against consumer reporting company TransUnion, alleging multiple violations of the Fair Credit Reporting Act.

TransUnion Faces Allegations of Violations of Fair Credit Reporting Act

TransUnion shares fell close to 4% on Thursday after the credit bureau was slapped with fines totalling $23 million for illegal rental background checks on tenants and its credit reporting practices. In a joint statement, the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC) said they took action against a rental screening subsidiary of TransUnion for violations of the Fair Credit Reporting Act.

TransUnion shares fall on $23M “eviction fiction” fines

How about: Federal regulators obtained a settlement that will require credit-reporting agency TransUnion to pay $23 million to settle charges that the company failed to ensure the accuracy of tenant screening reports, the Consumer Financial Protection Bureau said Thursday.

TransUnion to pay $23 million to settle complaints of inaccurate tenant reports

Direct Feed of TruLookUp Data to Shift Fraud Models Increases Insurers Claims Accuracy and Efficiency BOSTON and PARIS , Oct. 11, 2023 /PRNewswire/ -- Shift Technology , a provider of AI-powered decision automation and optimization solutions for the global insurance industry, today announced the company has finalized a relationship agreement with TransUnion (NYSE: TRU), a global information and insights company. As a result, insurers using TransUnion TruLookup™ attributes and data to support their risk management initiatives can now also have that data used to inform Shift Claims Fraud Detection models via a direct feed.

Shift Technology and TransUnion Cement Data Sharing Relationship

TransUnion publishes comprehensive report on consumer experiences in the gig economy TransUnion publishes comprehensive report on consumer experiences in the gig economy

Nearly One in Four Americans Victimized by Fraud or Identity Theft on Gig Economy Platforms

A vast database and acquisition strategy bolster TransUnion's (TRU) growth.

Here's How TransUnion (TRU) Gained 16.5% in the Past 6 Months

CHICAGO--(BUSINESS WIRE)--Crackle Connex Selects TransUnion Marketing Solutions Business to Improve Advertising Performance Across its Vast Media Footprint.

Crackle Connex Selects TransUnion Marketing Solutions Business to Improve Advertising Performance Across its Vast Media Footprint

CHICAGO, Sept. 26, 2023 (GLOBE NEWSWIRE) -- TransUnion (NYSE: TRU) will publish its financial results for the third quarter ended September 30, 2023, in a press release to be issued by 6:00 a.m. Central Time (CT) on Tuesday, October 24, 2023. The company will hold a conference call on the same day at 8:30 a.m. Central Time (CT) to discuss its quarterly 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 Third Quarter 2023 Results

Equifax

ATLANTA & COSTA MESA, Calif. & CHICAGO--(BUSINESS WIRE)--The three Nationwide Credit Reporting Agencies (NCRAs) – Equifax® (NYSE:EFX), Experian (LON:EXPN) and TransUnion (NYSE:TRU) – are reinforcing their commitment to the financial health of U.S. consumers with the ongoing availability of free weekly credit reports through AnnualCreditReport.com. This free service was first introduced at the onset of the COVID-19 pandemic to help consumers protect their financial health during the sudden and u.

Equifax, Experian and TransUnion Support U.S. Consumers With Ongoing Availability of Free Weekly Credit Reports

TransUnion's (TRU) addressable market includes the burgeoning Big Data and analytics market, which is expanding at a rapidly accelerating pace.

TransUnion (TRU) Rises 34% in 6 Months: What You Should Know

TransUnion's Q3 2023 Credit Union Market Perspectives Report explores the current state of consumer credit and its impact on credit unions TransUnion's Q3 2023 Credit Union Market Perspectives Report explores the current state of consumer credit and its impact on credit unions

Credit Union Originations Down While Balances Continue to Rise

FactSet Research Systems

Verisk Analytics

The pandemic-induced demand spike for risk mitigation, cost reduction and productivity improvement solutions is likely to help the Zacks Business - Information Services industry prosper. VRSK, FDS and TRU are well-poised to benefit from this surge.

3 Business Information Stocks to Watch From a Prospering Industry

Solution revolutionizes how credit data is accessed by organizations with sophisticated analytic environments Solution revolutionizes how credit data is accessed by organizations with sophisticated analytic environments

TransUnion TruIQ Data Enrichment First to Offer Financial Institutions with Unlimited Access to Pseudonymized Credit Data within Their Private Environments

Fraudsters in Canada increased their scams against Telecommunications (up 400% YoY), Insurance (up 90% YoY) and Online Communities (up 75% YoY) the most

Nearly Half (49%) of Surveyed Canadians Said They Were Recently Targeted by Fraud; Around 1 in 20 Digital Transactions in Canada Suspected Fraudulent in H1 2023, Reveals TransUnion Canada Analysis

Branded calling authenticates calls, improves engagement and brand loyalty Branded calling authenticates calls, improves engagement and brand loyalty

TransUnion Research Shows Seven in 10 Consumers Miss Legitimate Phone Calls Due to Fear of Robocalls, Call Spoofing and Fraud

Getaround Inc

SAN FRANCISCO & CHICAGO--(BUSINESS WIRE)--Getaround (NYSE: GETR), the world's first connected carsharing marketplace, today announced a new innovative alliance with TransUnion (NYSE: TRU), a global information and insights company, to integrate TransUnion's TruVision™ Traditional Auto Insurance Score for better risk assessment to both reward good drivers and improve the economics of the Getaround marketplace. The innovation is a significant enhancement to the recently announced Getaround TrustS.

Getaround and TransUnion to Bring TruVision Credit Insurance Auto Score to Carsharing Marketplace

IDC Financial Insights also recognizes TransUnion as a Fast Track FinTech in its annual ranking of top enterprises worldwide serving the financial services industry IDC Financial Insights also recognizes TransUnion as a Fast Track FinTech in its annual ranking of top enterprises worldwide serving the financial services industry

News for TransUnion Stock (TRU)