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

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

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- **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.


TransUnion (TRU) Q3 2025 Earnings Call Transcript

Revenue

Sales and Services Revenue

Financing Services Revenue

Other Revenue

Cost of Revenue

Cost of Goods and Services

Cost of Financing Services

Other Cost

Gross Profit

Other Operating Income

Operating Expenses

Selling, General and Administrative Expenses

Selling and Marketing Expenses

General and Administrative Expenses

Research and Development Expenses

Loss on Bad Debts

Loss on Impairment of Other Assets

Loss on Disposal of Assets

Other Operating Expenses

Operating Income

Non-Operating Income (Loss)

Income (Loss) from Affiliates

Income (Loss) from Associates

Income (Loss) from Joint ventures

Gain (Loss) on Other Investment

Gain (Loss) on Change in Fair Value

Gain (Loss) on Foreign Currency Exchange

Other Non-Operating Income (Loss)

Net Interest Expense

Interest Expense

Interest Income

Pretax Income From Continuing Operations

Income Tax Expense

Current Income Tax

Deferred Income Tax

Income Tax Adjustments

Net Income from Continuing Operations

Income from Discontinued Operations

Other Items Before Net Income

Net Income

Net Income Attributable to Minority Interests

Net Income Attributable to Owners of the Company

Preferred Stock Dividends

Other Adjustments

Net Income Attributable to Common Stockholders

Other Comprehensive Income

Total Comprehensive Income

Total Comprehensive Income Attributable to Minority Interests

Total Comprehensive Income Attributable to Owners of the Company

Basic EPS

Basic EPS from Continuing Operations

Basic EPS from Discontinued Operations

Diluted EPS

Diluted EPS from Continuing Operations

Diluted EPS from Discontinued Operations

TRU

TRU fundamentals

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