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 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 (TRU) Q1 2023 Earnings Call Transcript.

TransUnion (TRU) Q1 2023 Earnings Call Transcript

While the top- and bottom-line numbers for TransUnion (TRU) give a sense of how the business performed in the quarter ended March 2023, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.

TransUnion (TRU) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates

TransUnion (TRU) came out with quarterly earnings of $0.80 per share, beating the Zacks Consensus Estimate of $0.74 per share. This compares to earnings of $0.93 per share a year ago.

TransUnion (TRU) Q1 Earnings and Revenues Beat Estimates

Exceeded first quarter 2023 financial guidance Grew revenues by 2 percent driven by strength in International Drove meaningful progress in Neustar integration, including strong cross-sell wins and data integration milestones Prepaid $75 million in debt in the quarter and intend to make further prepayments in the second quarter and throughout the year Maintaining 2023 full-year guidance to account for continued market uncertainty CHICAGO, April 25, 2023 (GLOBE NEWSWIRE) --  TransUnion (NYSE: TRU) (the “Company”) today announced financial results for the quarter ended March 31, 2023. First Quarter 2023 Results Revenue: Total revenue for the quarter was $940 million, an increase of 2 percent (4 percent on a constant currency basis and 2 percent on an organic constant currency basis), compared with the first quarter of 2022.

TransUnion Announces First Quarter 2023 Results

(Kitco News) - TransUnion, one of the top consumer credit reporting agencies in the U.S., will start delivering credit scores to decentralized finance lenders beginning April 24.

TransUnion to provide credit ratings to DeFi lenders

TruAudience® Platform and Data Marketplace Offer Advertisers Enhanced Targeting and Better Understanding of Frameplay's Gaming Community Behaviors TruAudience® Platform and Data Marketplace Offer Advertisers Enhanced Targeting and Better Understanding of Frameplay's Gaming Community Behaviors

Transunion and Frameplay Partner to Offer New Audience Opportunities for In-Game Advertising

D'Achiardi brings significant experience in financial services, leadership and strategy, and was previously an executive regional leader in TransUnion's international business D'Achiardi brings significant experience in financial services, leadership and strategy, and was previously an executive regional leader in TransUnion's international business

TransUnion Promotes Juan Sebastian D'Achiardi to Regional President of Canada

Equifax

ATLANTA & COSTA MESA, Calif. & CHICAGO--(BUSINESS WIRE)--Equifax® (NYSE: EFX), Experian (LON:EXPN), and TransUnion (NYSE:TRU) are jointly announcing that medical collection debt with an initial reported balance of under $500 has been removed from U.S. consumer credit reports. With this change, now nearly 70 percent of the total medical collection debt tradelines reported to the Nationwide Credit Reporting Agencies (NCRAs) are removed from consumer credit files.

Equifax, Experian and TransUnion Remove Medical Collections Debt Under $500 From U.S. Credit Reports

SANTA ROSA, Calif.--(BUSINESS WIRE)--Union Credit and TransUnion partner to deliver consumers convenient, transparent financing in their everyday retail and financial experiences.

Union Credit, TransUnion Partner to Provide Consumers with Embedded e-Commerce Options from Credit Unions

Comcast

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Medtronic

Tyler Technologies

U.S. Bancorp

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Western Union

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60+ million U.S. adults either outside the credit ecosystem or lack sufficient credit data to be scored by traditional risk models 60+ million U.S. adults either outside the credit ecosystem or lack sufficient credit data to be scored by traditional risk models

TransUnion's Financial Inclusion Forum Brings Together Industry Executives to Discuss Ways to Better Serve Marginalized Consumer Segments

"3-in-1" Leasing Application Combines ID, Income, and Enhanced Credit Verification  LOS ANGELES and CAMARILLO, Calif. , April 4, 2023 /PRNewswire/ --  Rently , the leader in self-touring and smart home technology solutions, is pleased to announce a partnership with TURSS, a subsidiary of TransUnion (NYSE: TRU) to provide single-family property managers with an automated leasing application that eliminates rental fraud, streamlines business operations, and ensures quality tenants.

Rently Partners with Transunion to offer the Fastest and most Accurate Tenant Screening for Single Family Rental Properties

BALTIMORE & CHICAGO, March 30, 2023 (GLOBE NEWSWIRE) -- The NAACP and TransUnion (NYSE: TRU) announced today the launch of Connecting to Our Financial Future, a credit education website designed to promote financial inclusion among traditionally underserved and underrepresented communities. The announcement comes at a time when more than 45 million consumers in the U.S. are considered to be either credit unserved or underserved, meaning they have little to no credit products.

NAACP and TransUnion Unite to Provide Credit Education For All Stages of Life

57% of Canadians surveyed report being targeted by scams; retail, logistics, financial services, and travel and leisure sectors see highest increase in fraudster targeting 57% of Canadians surveyed report being targeted by scams; retail, logistics, financial services, and travel and leisure sectors see highest increase in fraudster targeting

Digital Fraud Attempts in Canada Spike 189% From Pre-Pandemic, reveals New TransUnion Report

CHICAGO, March 24, 2023 (GLOBE NEWSWIRE) -- TransUnion (NYSE: TRU) will publish its financial results for the first quarter ended March 31, 2023, in a press release to be issued by 6:00 a.m. Central Time (CT) on Tuesday, April 25, 2023. 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 First Quarter 2023 Results

Consumers abandon online shopping carts (40%), financial product applications (38%) and websites (69%) if they lack confidence in data or fraud security protection

Fraud Concerns Determine who Canadians choose to do Business with, Reveals New TransUnion Survey

Digital fraud attempts in U.S. rise 122% amidst growing digital transactions and synthetic fraud balances reaching record levels Digital fraud attempts in U.S. rise 122% amidst growing digital transactions and synthetic fraud balances reaching record levels

TransUnion Report Finds Digital Fraud Attempts Spike 80% Globally From Pre-Pandemic Levels

TransUnion (TRU) banks on its international market presence and strong growth in financial services in emerging verticals.

Why TransUnion (TRU) Should to be Retained in Your Portfolio

CHICAGO, March 09, 2023 (GLOBE NEWSWIRE) -- TransUnion (NYSE: TRU) today announced that Chris Cartwright, President and CEO, will present at the BofA Securities 2023 Information & Business Services Conference on Thursday, March 16, 2023. The presentation is scheduled to begin at 7:10 a.m. CT (8:10 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 BofA Securities 2023 Information & Business Services Conference

Builders FirstSource

Caterpillar

W.W. Grainger

Honeywell

Hubbell

Nordson

Parker-Hannifin

Regal Rexnord Corp

AMERCO

The industrial sector forms the backbone of the U.S. economy, including some of the oldest and most well-known brands.

These Were the 5 Best and Worst Performing Industrial Stocks in February 2023

TORONTO, March 01, 2023 (GLOBE NEWSWIRE) -- TransUnion today released the findings of its Canada Q4 2022 Credit Industry Insights Report (CIIR) , which shows that the Canadian credit market continues to expand against an uncertain economic backdrop, with consumers taking on additional credit and lenders continuing to grow.

Credit Health in Canada Remains Steady Despite High Interest Rate and Inflation Environment

CHICAGO, Feb. 28, 2023 (GLOBE NEWSWIRE) -- TransUnion (NYSE: TRU) today announced that Todd Cello, Executive Vice President, Chief Financial Officer, will present at the RBC Capital Markets Global Financial Institutions Conference on Tuesday, March 7, 2023. The presentation is scheduled to begin at 8:20 a.m. CT (9:20 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 2023 RBC Capital Markets Global Financial Institutions Conference

CHICAGO, Feb. 23, 2023 (GLOBE NEWSWIRE) -- TransUnion (NYSE: TRU) today announced that its Board of Directors declared a cash dividend of $0.105 per share for the fourth quarter 2022.   The dividend will be payable on March 24, 2023, to shareholders of record on March 9, 2023.

TransUnion Declares Fourth Quarter 2022 Dividend of $0.105 per Share

TransUnion's (TRU) fourth-quarter 2022 revenues increase year over year.

TransUnion's (TRU) Q4 Earnings Miss Estimates, Decline Y/Y

TransUnion (NYSE:TRU ) Q4 2022 Earnings Conference Call February 14, 2023 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 Jeffrey Meuler - Baird Andrew Steinerman - JPMorgan Faiza Alwy - Deutsche Bank Kelsey Zhu - Autonomous Research Toni Kaplan - Morgan Stanley Manav Patnaik - Barclays Heather Balsky - Bank of America Operator Good morning, and welcome to the TransUnion Fourth Quarter 2022 Earnings Conference Call. All participants will be in listen-only mode.

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