Key Takeaways TransUnion's Q3 earnings and revenues topped estimates, fueling a 5.8% stock rise.TRU raised its 2025 revenue outlook to $4.524-$4.544 billion and EPS to $4.19-$4.25.The U.S. and International segments drove 7.8% revenue growth, with strong gains in Financial Services.TransUnion (TRU) reported impressive third-quarter 2025 results, wherein earnings and revenues beat the Zacks Consensus Estimate.The better-than-expected results and raised guidance impressed the market as the stock gained 5.8% s ...

This story was originally published on WardsAuto. To receive daily news and insights, subscribe to our free daily WardsAuto newsletter. What’s been referred to in the industry as a credit washing scam tactic appears to be growing in popularity in auto loans – including some fraudsters who on paper resemble borrowers with sound, low-risk credit. This according to a new study from Chicago-based credit reporting bureau TransUnion. “Credit washing is a type of fraud that’s related, obviously, to a credit repor ...

Core Insights - TransUnion operates an underrated business model focused on providing credit reporting services to both businesses and consumers, which is essential for lenders [1] Company Overview - TransUnion has developed a scoring system that is valuable to lenders, allowing the company to build a substantial database that covers nearly one-seventh of the population [1]

Core Insights - The article discusses the importance of enabling Javascript and cookies in browsers to ensure proper functionality and access to content [1] Group 1 - The article emphasizes that users may be blocked from proceeding if an ad-blocker is enabled [1]

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2025 - OR - ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-37470 TransUnion (Exact name of registrant as specified in its charter) Delaware 61-1678417 (State or ...

TransUnion (NYSE:TRU) Q3 2025 Earnings Call October 23, 2025 09:30 AM ET Speaker0Good day, and welcome to the TransUnion's Third Quarter twenty twenty five Earnings Conference Call. All participants will be in a listen only mode. After today's presentation, there will be an opportunity to ask questions. Please note this event is being recorded. I would now like to turn the conference over to Greg Bardi, Vice President of Investor Relations.Please go ahead.Speaker1Good morning and thank you for attending tod ...

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Third Quarter 2025 Earnings October 23, 2025 Chris Cartwright, President and CEO Todd Cello, CFO This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements are based on the current beliefs and expectations of TransUnion's management and are subject to significant risks and uncertainties. Actual results may differ materially from those described in the forward-looking statements. Factors that could cause TransUnion's actu ...

Core Insights - A wave of positive third-quarter 2025 earnings reports has boosted markets, with several major companies exceeding analyst expectations, while ongoing geopolitical developments, particularly concerning Ukraine and Russia, remain a significant focus [2]. Strong Q3 Earnings Performance Across Sectors - Hasbro (HAS) reported adjusted EPS of $1.68, beating the estimated $1.63, with revenue of $1.39 billion surpassing the forecast of $1.34 billion. The company raised its full-year adjusted EBITDA guidance to $1.24 billion to $1.26 billion from $1.17 billion to $1.20 billion, driven by growth in its Wizards of the Coast and Digital Gaming segments [3][10]. - Honeywell (HON) posted adjusted EPS of $2.82, significantly higher than the estimated $2.57, with quarterly revenue of $10.41 billion exceeding the $10.15 billion estimate. The company updated its full-year sales outlook to between $40.78 billion and $40.98 billion and adjusted EPS to $10.60 to $10.70 [4][10]. - First Citizens BancShares (FCNCA) announced adjusted EPS of $44.62, outperforming the $41.74 estimate, with net interest income of $1.73 billion above the $1.71 billion estimate and a net interest margin of 3.26%, slightly higher than the estimated 3.24% [5][10]. - TransUnion (TRU) reported adjusted net income of $216 million against an estimate of $204.3 million, with Q3 EPS of $0.49 and adjusted EPS of $1.10 versus an estimate of $1.04. Revenue for the quarter was $1,170 million, exceeding the $1,133 million estimate [6]. - CenterPoint Energy (CNP) reported adjusted EPS of $0.50, surpassing the $0.44 estimate, and reaffirmed its full-year adjusted EPS guidance of $1.75 to $1.77. PG&E (PCG) announced Q3 adjusted core EPS of $0.50, beating the estimated $0.43, and maintained its full-year adjusted EPS forecast between $1.49 and $1.51 [7]. - Atlas Copco reported Q3 adjusted EBIT of SEK 8,862 million, exceeding the estimate of SEK 8,677 million, with revenue of SEK 41,621 million slightly above the estimated SEK 41,333 million [8]. - Dow (DOW) reported Q3 adjusted EPS of -$0.19, better than the estimated -$0.29, but net sales of $9,973 million fell short of the estimated $10,185 million [9][10]. Tesla's Capital Expenditures and Geopolitical Landscape - Tesla (TSLA) recognized $238 million in expenses within its automotive segment during Q3, primarily due to charges for supercomputer assets, contract terminations, and employee terminations. The company expects full-year capital expenditures to be around $9.00 billion [11][10]. - On the geopolitical front, Ukrainian President Volodymyr Zelenskiy urged EU leaders to enhance Ukraine's long-range capabilities to counteract Russia, while Russia's Rosatom CEO warned that deteriorating Russia-U.S. relations could impact uranium supplies [12].

Core Insights - TransUnion reported strong financial results for Q3 2025, with total revenue reaching $1,170 million, marking an 8% increase compared to Q3 2024. Organic constant currency growth was 11%, the highest since 2021 [2][4][6]. Financial Performance - Revenue growth was driven by significant contributions from Financial Services, which grew by 19%, and Emerging Verticals, which increased by 7.5%. International revenue grew by 6% on an organic constant currency basis, with notable double-digit growth in the UK, Canada, and Africa [4][6]. - Net income attributable to TransUnion for the quarter was $97 million, up from $68 million in Q3 2024. Diluted earnings per share increased to $0.49 from $0.35 [7][29]. - Adjusted EBITDA for the quarter was $425 million, an 8% increase from $394 million in Q3 2024, maintaining a margin of 36.3% [7][29]. Shareholder Returns - The company has accelerated its share repurchase program, repurchasing $200 million in shares year-to-date and increasing the authorization for share repurchases to $1 billion. The management views share repurchases as an attractive use of capital [4][6]. Guidance and Outlook - TransUnion raised its 2025 revenue growth guidance to a range of 8% to 8.5%, supported by stable U.S. lending trends and strong commercial momentum [4][6][11]. Segment Performance - In the U.S. Markets, Financial Services revenue was $438 million with a growth rate of 19%, while Emerging Verticals generated $330 million with a growth rate of 7%. Consumer Interactive revenue decreased by 17% [8][9]. - International revenue totaled $260 million, with Canada growing by 10%, the UK by 24%, and Africa by 14% [8][9]. Liquidity and Capital Resources - As of September 30, 2025, cash and cash equivalents stood at $750 million, an increase from $679 million at the end of 2024. Cash provided by operating activities for the nine months ended September 30, 2025, was $668 million, compared to $579 million in 2024 [9][10]. Capital Expenditures - For the nine months ended September 30, 2025, capital expenditures were $229 million, representing 7% of revenue, compared to $199 million or 6% of revenue in 2024 [10]. Summary of Financial Metrics - The company reported total revenue of $1,169.5 million for Q3 2025, with operating income of $207.6 million. Total operating expenses were $961.9 million, leading to a net income of $100.2 million for the quarter [28][29].