What is the revenue and EPS growth rate for TransUnion year over year?

What is TransUnion's gross profit margin?

What does TransUnion do and what are its main business segments?

What were the key takeaways from TransUnion's earnings call?

What factors drove the changes in TransUnion's revenue and profit?

Did TransUnion beat or miss consensus estimates last quarter?

What is TransUnion's latest dividend and current dividend yield?

What were the key takeaways from TransUnion’s earnings call?

- **Revenue Growth**: 11% organic growth (excluding breach win), raising 2025 guidance to 8%+.
- **Mortgage Strategy**: VantageScore 4.0 at $4 vs. FICO's $10, positioning for share gain and cost savings.
- **AI and Innovation**: OneTru driving 20%+ growth in key products, with AI improving efficiency and customer experience.
- **Share Buybacks**: $200M repurchased YTD, $1B authorization to return capital.
- **India Recovery**: Q4 growth expected at high single digits, supported by RBI reforms and festival season.

**【CEO Summary Section】**
- Delivered 11% organic constant currency revenue growth, excluding a large breach win from last year, marking the strongest underlying performance since 2021.
- Raised 2025 guidance to 8% organic revenue growth (9% excluding the breach win), 9% adjusted EBITDA growth, and 9% EPS growth.
- Accelerated technology modernization with successful U.S. credit customer migration to OneTru, targeting full U.S. migration by mid-2026.
- Repurchased $200 million in shares year-to-date and increased repurchase authorization to $1 billion.
- Highlighted AI-driven growth, with OneTru enabling faster innovation and operational efficiency across credit, fraud, and marketing solutions.

**【CFO Financial Commentary】**
- Q3 revenue: $1.13 billion (8% YoY growth), beating guidance.
- Adjusted EBITDA: $400 million (8% YoY growth), margin of 36.3%.
- Adjusted EPS: $1.10 (6% YoY growth), exceeding high end of guidance.
- U.S. Markets grew 13% (excluding breach win), driven by Financial Services (19% growth) and Emerging Verticals (7.5% growth).
- International revenue grew 6%, with Canada, U.K., and Africa outperforming expectations.
- Incurred $34 million in one-time transformation costs, remaining within $355-$375 million budget.
- Guided for $160-$180 million in one-time charges in 2026, with free cash flow conversion improving to 90%+.

**【Q&A Highlights】**
- **Mortgage Market**: Expanded VantageScore 4.0 adoption with pricing at $4, offering cost savings vs. FICO's $10. Anticipate incremental profit from score adoption and potential volume recovery if rates fall.
- **AI and Innovation**: OneTru platform driving 20%+ growth in FactorTrust, Data Enrichment, and fraud solutions. AI agents improving customer experience and operational efficiency.
- **India Growth**: Q3 growth 5% (below expectations due to U.S. tariffs), but expects high single-digit growth in Q4 with RBI reforms and festival season recovery.
- **Emerging Verticals**: Insurance and trusted call solutions led 7.5% growth, with marketing and fraud solutions accelerating.
- **Share Repurchases**: $200 million year-to-date, with $1 billion authorization to capitalize on attractive valuation.


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