Americans are increasingly using personal loans to help manage their finances, according to a recent report from credit bureau Experian. As of 2025, a record 38% of consumers have at least one personal loan — up from 30.9% in 2017. Over that eight-year period, personal loan use has consistently risen. Personal loan balances are on the rise too. While not quite as high as they were two years ago, balances increased between 2024 and 2025 to an average of $19,333. “U.S. consumers continue to spend, based on ...

Purpose-built solution gives real estate professionals fraud protection, safety insights, and high-impact prospecting toolsCHICAGO, March 24, 2026 (GLOBE NEWSWIRE) -- TransUnion (NYSE: TRU) announced today the launch of TruLookup® for Real Estate, a purpose-built solution that helps real estate professionals confirm property ownership to prevent fraud, conduct personal safety checks, and drive more efficient, effective prospecting. The solution reduces the need for real estate professionals to access multi ...

Core Insights - TransUnion (TRU) is experiencing growth due to the expanding big data and analytics market, supported by stable economic conditions and innovative product offerings [1][2] - The company faces challenges from seasonality, high debt levels, and increased competition within the Business Information services industry [1][9] Revenue Growth - TRU's revenue growth is primarily driven by the increasing utilization of big data and analytics by companies for business insights and decision-making [2] - The stable U.S. economic environment, characterized by low unemployment and real wage growth, has positively impacted TRU's revenue [3] - The company reported fourth-quarter 2025 revenues of $1.2 billion, reflecting a 13% year-over-year increase and exceeding consensus estimates by 3% [10][11] Technological Innovation - TRU leverages its OneTru platform to integrate various data and analytic assets, enhancing its analytics capabilities and reducing costs for customers [4] - The acquisition of Monevo is expected to enhance TRU's credit prequalification services and improve personalized credit offerings [5] Financial Health - TRU maintains strong liquidity, with a current ratio of 1.75, significantly above the industry average of 1.03, indicating its ability to meet short-term obligations [6] - The company has accumulated substantial debt due to past acquisitions, which has increased operational costs and limited its capacity for further opportunities [8] Competitive Landscape - TRU faces significant competition from firms such as Equifax, Experian, and others, necessitating continuous innovation and cost efficiency [9] - The company experiences seasonal revenue fluctuations, with stronger performance in the second and third quarters compared to the first and fourth quarters [7]

Core Insights - Property managers are facing challenges as tenant applications declined by 10% year over year in the second half of 2025, with the most significant drop occurring during the peak summer moving season [1][2] - The decline in applications is primarily concentrated in the western and southwestern states, with Maine experiencing the steepest drop of 25% [2] - To maintain occupancy, property managers have lowered their decision points by an average of 6 points, which may increase tenant risk [4] Industry Analysis - The analysis conducted by TransUnion examined over 2,400 same-store properties across 47 states, providing a comprehensive view of the rental market [3] - Factors affecting the rental market include a record high in new apartment construction and renters' reluctance to move due to economic uncertainty [4] - Property managers are encouraged to adopt rental-specific risk scoring models, such as TransUnion's TruVision™ Resident Score, to better assess tenant risk [5][6] Tenant Evaluation Strategies - Traditional credit scores may not accurately reflect a tenant's ability to prioritize rent payments, leading to potential misjudgments in tenant selection [6] - The analysis suggests that applicants with higher income-to-rent ratios can still be reliable tenants if they maintain a solid credit or resident score, despite the challenges posed by rent growth outpacing income growth [6]

Core Insights - TransUnion has announced enhancements to its Device Risk solution to combat the rising threat of digital fraud, which has resulted in reported losses of $534 billion globally according to a survey of 1,200 business leaders [1][5] Group 1: Enhancements and Features - The new machine learning capabilities aim to improve fraud detection accuracy while ensuring a seamless customer experience, introduced at the Merchant Risk Council's MRC 2026 conference [2] - The updates include pre-built adaptive machine learning models that learn from device signals and fraud feedback, enabling proactive detection of anomalies and evasion attempts [3] - These enhancements are expected to improve fraud capture rates by up to 50%, reduce the complexity of manual rules, and lower operational overhead [3] Group 2: Industry Trends - Digital fraud is on the rise, with organizations losing an average of 7.7% of their annual revenue to fraud over the past year [5] - Suspected digital account takeovers increased by 141% from H1 2024 to H1 2025, while suspected digital fraud related to account creation grew by 26% during the same period [6] Group 3: Company Strategy - TransUnion's enhancements reflect its commitment to staying ahead of advanced fraud tactics by integrating richer device-level intelligence with adaptive machine learning [7] - The company aims to empower customers to operate with greater confidence across various digital interactions, including logins, transactions, and account creation [7]

Core Theme - The central theme of the event is "Innovation at Scale, Value that Endures," which has been a focus for the company in recent months [2]. Company Overview - The event is hosted by TransUnion, with Gregory Bardi leading the Investor Relations team [1]. - The company expresses gratitude for the attendance of familiar faces at the 2026 Investor Day [1].

Summary of TransUnion Conference Call Company Overview - **Company**: TransUnion (NYSE: TRU) - **Date**: March 11, 2026 - **Speakers**: Chris (CEO), Todd (CFO) Key Industry Insights - **Consumer Credit State**: The consumer credit market remains strong with stable lending volumes and improving origination across various lending classes, despite geopolitical tensions and rising oil prices [4][6] - **Fintech Recovery**: Consumer lending has rebounded, particularly due to fintech companies regaining access to capital markets after a downturn in 2022 and 2023 [5] - **K-shaped Recovery**: There is a divergence in economic recovery, with lower-income consumers facing more pressure, yet this has not negatively impacted loan performance [5] Financial Performance and Guidance - **Midterm Guidance**: TransUnion projects high single-digit revenue growth, consistent with past performance, with a focus on stability in core U.S. lending markets [10][15] - **Revenue Drivers**: The guidance is based on existing market conditions and does not rely on new innovations. Upside potential exists if mortgage volumes return to 2019 levels, which could add $1 to EPS [17][24] - **Fintech Revenue**: TransUnion's fintech segment generated approximately $140 million in revenue, showing strong growth of nearly 20% [22] Product and Innovation Strategy - **OneTru Platform**: The company expects to generate $500 million in innovation-led revenues over the next three years through its OneTru platform, which integrates various product categories [28][30] - **VantageScore Adoption**: TransUnion is promoting VantageScore as a modern alternative to traditional credit scores, emphasizing its effectiveness and lower cost [46][51] Market Dynamics and Competitive Landscape - **Geopolitical Impact**: Current geopolitical events, including conflicts in the Middle East, may affect oil supply and economic conditions, but the U.S. economy has shown resilience [6][7] - **SCORE Competition**: The introduction of VantageScore aims to enhance competition in the mortgage market, which has historically lacked choice [44][46] AI and Data Utilization - **AI Integration**: TransUnion is leveraging AI to enhance its data analytics capabilities, allowing for continuous model updates in lending, fraud detection, and marketing [105] - **Proprietary Data**: The company emphasizes the defensibility of its credit data, which is difficult to replicate due to regulatory requirements and the need for extensive partnerships [75][80] Additional Considerations - **Regulatory Environment**: TransUnion is actively engaging with regulators to facilitate the adoption of VantageScore and improve competition in the mortgage market [50][53] - **Market Trends**: The company notes that many lending lines are still below long-term trend lines, indicating potential for growth as market conditions normalize [24][25] This summary encapsulates the key points discussed during the TransUnion conference call, highlighting the company's strategic direction, market conditions, and financial outlook.

TransUnion 2026 Investor Day Summary Company Overview - **Company**: TransUnion (NYSE: TRU) - **Event**: 2026 Investor Day - **Theme**: Innovation at Scale, Value that Endures [1][2] Core Industry Insights - **Innovation**: TransUnion emphasizes that innovation drives economic growth and creates enduring value for consumers and businesses [3] - **Data Utilization**: The company has been managing and innovating around data for over 50 years, focusing on a holistic understanding of consumer identity [3][4] - **Identity Solutions**: TransUnion offers a comprehensive view of consumer identity, integrating capabilities in fraud, marketing, and consumer solutions [4] Strategic Developments - **Global Expansion**: The company has extended its competitive footprint significantly, entering new markets such as the U.K. and Mexico, with the recent acquisition of Buró de Crédito [7][8] - **Platform Development**: TransUnion has developed global platforms like OneTru for solutions delivery and TrueOps for operations, aimed at enhancing scalability and profitability [9][34] - **AI Integration**: The company is leveraging AI to improve productivity and activate data in innovative ways, enhancing its service offerings [10][11] Financial Performance and Growth - **Revenue Growth**: TransUnion aims to grow revenue by offering a broader range of interrelated products, with a serviceable market now estimated at over $50 billion [26] - **Market Position**: The company has shifted its product revenue mix from a heavy reliance on B2B credit to a more balanced approach, with marketing and fraud solutions gaining traction [27] - **Cost Savings**: The modernization of technology has already delivered nearly $100 million in savings, with further opportunities for structural savings identified [44] Product and Service Innovations - **OneTru Platform**: This platform integrates data management, identity resolution, and analytics, allowing for a unified approach to customer needs across credit, marketing, and fraud [29][50] - **TruIQ Suite**: The suite enhances credit analytics, enabling complex questions to be answered through natural language, transforming them into governed analytical workflows [63] - **AI Agents**: New AI capabilities are being developed to automate client workflows, enhancing productivity and service delivery [37][62] Competitive Advantages - **Data Moat**: TransUnion's proprietary data and identity resolution capabilities provide a competitive edge, particularly in alternative data markets [54][55] - **Regulatory Compliance**: The company operates under strict regulations, which enhances the quality and trustworthiness of its data offerings [41][42] - **Market Leadership**: TransUnion is positioned as a leader in various sectors, including buy now, pay later and fraud prevention, due to its extensive data network and strategic acquisitions [55] Future Outlook - **Growth Projections**: The company anticipates compounding high single-digit revenue growth and mid-teens earnings per share growth, driven by innovation and operational efficiencies [45] - **Global Strategy**: TransUnion plans to deploy its platforms globally, enhancing its ability to scale and innovate across markets [59] - **AI as a Growth Driver**: The integration of AI is expected to not only improve internal productivity but also create new revenue streams and enhance client service capabilities [42][60] Key Takeaways - TransUnion is focused on leveraging innovation and technology to drive growth and enhance customer value - The company is well-positioned in the market with a strong emphasis on data integrity, regulatory compliance, and AI integration - Future growth will be supported by a cohesive global operating model and the expansion of its product offerings across various markets

© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 1 Forward-Looking Statements Non-GAAP Financial Information This investor 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 statem ...

CHICAGO, March 10, 2026 (GLOBE NEWSWIRE) -- TransUnion (NYSE: TRU) will host its 2026 Investor Day today in New York City, with a simultaneous livestream for virtual attendees. The program begins at 8:30 a.m. Eastern Time (ET) and is expected to conclude at approximately 1:00 p.m. ET. The live webcast, presentation materials and a replay will be available on the TransUnion Investor Relations website at www.transunion.com/tru. A webcast replay will also be accessible following the event. During this event, T ...