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

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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.

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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.

TransUnion (NYSE:TRU ) Q3 2022 Earnings Conference Call October 25, 2022 9:30 AM ET Company Participants Aaron Hoffman - Senior Vice President, Investor Relations Christopher Cartwright - President and Chief Executive Officer Todd Cello - Executive Vice President and Chief Financial Officer Conference Call Participants Andrew Steinerman - JPMorgan Surinder Thind - Jefferies Jeffrey Meuler - Baird Kelsey Zhu - Autonomous Research Faiza Alwy - Deutsche Bank Manav Patnaik - Barclays Heather Balsky - Bank of America Toni Kaplan - Morgan Stanley Andrew Nicholas - William Blair Operator Good day, and welcome to the TransUnion 2022 Third Quarter Earnings Conference Call. All participants will be in a listen-only mode.

TransUnion (TRU) Q3 2022 Earnings Call Transcript

TransUnion (TRU) delivered earnings and revenue surprises of 1.09% and 0.64%, respectively, for the quarter ended September 2022. Do the numbers hold clues to what lies ahead for the stock?

TransUnion (TRU) Q3 Earnings Surpass Estimates

CHICAGO, Oct. 25, 2022 (GLOBE NEWSWIRE) -- TransUnion (NYSE: TRU) (the “Company”) today announced financial results for the quarter ended September 30, 2022.

TransUnion Announces Third Quarter 2022 Results

NASHVILLE, Tenn., Oct. 24, 2022 (GLOBE NEWSWIRE) -- Low interest rates and high demand for homes propelled mortgage origination activity during the pandemic, only to slow dramatically in 2022 during an environment of higher home prices and interest rates. A new TransUnion (NYSE: TRU) study, “Where Will Growth in Mortgage Originations Come From? ,” found that despite an overall decrease in the number of consumers actively seeking a mortgage, some consumer segments remain positioned as potential opportunities for lenders. The study was released today in conjunction with the Mortgage Bankers Association 2022 Annual Convention in Nashville.

Mortgage Originations Slow But Purchase & High Home Equity Opportunity Exist Within Key Consumer Segments

TransUnion's (TRU) third-quarter 2022 revenues are likely to increase year over year.

TransUnion (TRU) to Post Q3 Earnings: What's in the Offing?

New TransUnion report finds more consumers want security measures and have higher overall expectations for online shopping experiences New TransUnion report finds more consumers want security measures and have higher overall expectations for online shopping experiences

More Than Half of Consumers Concerned with Fraud This Holiday Season—A 17% Increase From Last Year

TransUnion (TRU) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Earnings Preview: TransUnion (TRU) Q3 Earnings Expected to Decline

Equifax

Experian PLC

Rep. Jim Clyburn requested an investigation into the nation's top three credit reporting companies for failing to resolve consumer disputes.

TransUnion, Equifax, Experian may have violated credit reporting rules, Rep. Jim Clyburn says

TransUnion study finds 41% felt their household finances were worse than planned; 68% reported reducing spending, 32% building up savings and 31% paying down debt to prepare for a potential recession TransUnion study finds 41% felt their household finances were worse than planned; 68% reported reducing spending, 32% building up savings and 31% paying down debt to prepare for a potential recession

More than Half (55%) of Canadians Surveyed Say Their Incomes Aren't Keeping Up With Inflation

Study shows liquidity falling, and, for some, credit card balances rising Study shows liquidity falling, and, for some, credit card balances rising

Credit Card Borrowers Reverting to Pre-Pandemic Payment Patterns; TransUnion Study Explores Risks Related to Balance Increases

Credit bureau TransUnion has debuted a tool designed to prevent what it says is a $100 billion problem: the loss of sales revenue to false positives during fraud detection.

TransUnion Tackles False Positives With ‘TruValidate' Tool

Inclusion of NeuroID behavioral analytics helps provide immediate value during the application process Inclusion of NeuroID behavioral analytics helps provide immediate value during the application process

TransUnion Launches TruValidate Device Risk with Behavioral Analytics to Help Businesses Reduce Billions of Dollars in Fraud Losses from False Positives

CHICAGO, Sept. 27, 2022 (GLOBE NEWSWIRE) -- TransUnion (NYSE: TRU) will publish its financial results for the third quarter ended September 30, 2022, in a press release to be issued by 6:00 a.m. Central Time (CT) on Tuesday, October 25, 2022. 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 Third Quarter 2022 Results

iHeartMedia

NEW YORK--(BUSINESS WIRE)--Neustar, Inc., a TransUnion company, announced today a new partnership with iHeartMedia, the leading audio company in America, to include broadcast radio in end-to-end marketing attribution. The solution expands the Neustar Unified Measurement Solution, which spans Marketing Mix Modeling (MMM) and Marketing Attribution solution to include the iHeart broadcast radio universe. Neustar is the first attribution service to unify the measurement of radio, which reaches over

iHeartMedia and Neustar First to Include Broadcast Radio in End-to-End Marketing Attribution

Credit reporting agencies Equifax Inc. EFX, -2.49% , TransUnion and Dublin-based Experian PLC EXPGY, -2.45% EXPN, -0.58% said Friday that they will continue to offer free weekly credit reports to U.S. consumers through the end of 2023. "This benefit will help consumers manage their financial health during a period of rising inflation and unprecedented economic uncertainty coming out of the COVID-19 pandemic.

Equifax, TransUnion and Experian will keep offering free credit reports to U.S. consumers through next year

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 continue offering free weekly credit reports to consumers in the United States through the end of 2023. This benefit will help consumers manage their financial health during a period of rising inflation and unprecedented economic uncertainty coming out of the COVID-19 pandemic. The companies' CEO

Equifax, Experian and TransUnion Extend Free Weekly Credit Reports in the U.S. Through 2023

TransUnion determines suspected Canada-based fraud attempts increased 125% against insurance industry in Q2 2022 – despite an overall 37% decline across all industries during that period TransUnion determines suspected Canada-based fraud attempts increased 125% against insurance industry in Q2 2022 – despite an overall 37% decline across all industries during that period

Canadian Digital Fraudsters Increasingly Target Insurance Industry in First Half of 2022

RESTON, Va.--(BUSINESS WIRE)--Survey finds call center threat activity rising; legacy authentication methods frustrate customers and fail to prevent fraud

Survey Finds Call Center Threat Activity Rising; Legacy Authentication Methods Frustrate Customers and Fail to Prevent Fraud

IDC Financial Insights annually ranks top enterprises worldwide serving the financial services industry IDC Financial Insights annually ranks top enterprises worldwide serving the financial services industry

TransUnion Climbs to No. 12 in the Latest IDC FinTech Rankings

LiveVox

RESTON, Va. & SAN FRANCISCO--(BUSINESS WIRE)--Neustar and LiveVox join forces to improve outbound customer contactability

Neustar and LiveVox Join Forces to Improve Outbound Customer Contactability

TORONTO, Sept. 06, 2022 (GLOBE NEWSWIRE) -- TransUnion today released the findings of its Canada Q2 2022 Credit Industry Insights Report (CIIR), which shows total debt grew to an all-time high at $2.24 trillion, up 9.2% year-over-year (YoY) and up 16.4% from pre-pandemic levels observed at the end of 2019. The number of consumers with a credit balance has increased by 2.1% YoY to 27.6 million and is up 2.5% from pre-pandemic levels (Q4 2019).

High Interest Rate and Inflation Challenges Create Financial Stress for a Segment of Vulnerable Canadian Borrowers

CHICAGO, Sept. 06, 2022 (GLOBE NEWSWIRE) -- TransUnion (NYSE: TRU) today announced that Chris Cartwright, President and CEO, and Todd Cello, Executive Vice President, Chief Financial Officer, will present at the Barclays Global Financial Services Conference on Tuesday, September 13, 2022. The presentation is scheduled to begin at 8:00 a.m. CT (9:00 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 Barclays Global Financial Services Conference

BOSTON--(BUSINESS WIRE)--A new report for the public sector from intelligent identity security firm Sontiq, a TransUnion company, highlights how public sector organizations can empower the public to reduce the identity and fraud risks they face after record levels of data comprise in 2021. By doing so, more Americans become allies in the fight against government fraud loss, which has harmed both individual identity theft victims and public programs at historic levels. The 2022 Digital Safety an

Research Urges Public Organizations to Take Digital Security Action for Constituents

RESTON, Va.--(BUSINESS WIRE)--Neustar and TNS partner to provide enterprises with trusted call experiences across major carrier networks

Neustar and TNS Partner to Provide Enterprises with Trusted Call Experiences Across Major Carrier Networks

RESTON, Va.--(BUSINESS WIRE)--Neustar Partners with InfoSum to pave the way for the privacy-first advertising future

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