Core Insights - TransUnion (TRU) reported strong first-quarter 2025 results, with earnings and revenues exceeding Zacks Consensus Estimates, leading to a 7.4% stock price increase since the earnings release on April 24 [1] Financial Performance - Adjusted earnings per share (EPS) for the quarter were $1.05, surpassing the consensus by 7.1% and reflecting a 14.1% year-over-year increase [3] - Total revenues reached $1.1 billion, exceeding the consensus by 2.5% and increasing 7.3% from the previous year [3] - Adjusted EBITDA was $397 million, marking an 11% year-over-year growth and beating the estimate of $383.3 million [8] Revenue Guidance - For 2025, TransUnion raised its revenue guidance to $4.35-$4.41 billion, up from the previous range of $4.33-$4.39 billion, although the midpoint of $4.38 billion is below the Zacks Consensus Estimate of $4.40 billion [2] Segment Performance - U.S. Markets segment revenues were $857 million, a 9% year-over-year increase, surpassing estimates [4] - Financial Services within the U.S. Markets generated $404 million, a 15% increase from the prior year [4] - International segment revenues were $245 million, a 2% year-over-year increase, but missed expectations [5] Cash Flow and Balance Sheet - Cash and cash equivalents at the end of the quarter were $609.9 million, down from $679 million at the end of Q4 2024 [9] - Long-term debt remained stable at $5.1 billion [9] - Cash generated from operating activities was $52.5 million, with capital expenditures of $68.4 million [10] Future Outlook - For Q2 2025, TRU expects revenues of $1.07-$1.09 billion, with adjusted EPS guidance of 95-99 cents, lower than the consensus estimate of $1.02 [11] - For the full year 2025, adjusted EPS is expected to be in the range of $3.93-$4.08, with adjusted EBITDA estimated at $1.54-$1.59 billion [12]

Core Insights - Nearly 40% of U.S. consumers expect brands to personalize their online shopping experiences with tailored interactions and recommendations [1][2] - Personalization is linked to increased purchase likelihood and brand affinity, with nearly 40% of consumers indicating it makes them more likely to buy [2] - There is a growing concern among consumers regarding data privacy, with 80% worried about sharing personal information and 89% considering data privacy important when engaging online [6] Personalization and Consumer Engagement - Effective personalization is a powerful marketing tool that demonstrates to consumers that brands are attentive to their preferences, leading to higher engagement [2] - The survey indicates that personalization can create meaningful connections, but poor execution or breaches of trust can damage brand reputation [3] Privacy Concerns and Data Transparency - Consumers desire personalized experiences but are cautious about data usage, highlighting a paradox for marketers who must balance relevance with privacy [3] - The findings emphasize the need for marketers to understand their audience while respecting privacy, supported by TransUnion's investment in reliable data foundations [4] Company Overview - TransUnion is a global information and insights company with over 13,000 associates in more than 30 countries, focusing on providing a reliable representation of individuals in the marketplace [5] - The company has expanded its services beyond core credit into marketing, fraud, risk, and advanced analytics, promoting economic opportunity and personal empowerment [5]

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 March 31, 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 oth ...

TransUnion (NYSE:TRU) Q1 2025 Earnings Conference Call April 24, 2025 9:30 AM ET Company Participants Greg Bardi – Vice President-Investor Relations Chris Cartwright – President and Chief Executive Officer Todd Cello – Executive Vice President and Chief Financial Officer Conference Call Participants Jeff Meuler – Baird Andrew Steinerman – JPMorgan Toni Kaplan – Morgan Stanley Faiza Alwy – Deutsche Bank Jason Haas – Wells Fargo Ashish Sabadra – RBC Capital Markets Tom Roesch – William Blair Manav Patnaik – B ...

For the quarter ended March 2025, TransUnion (TRU) reported revenue of $1.1 billion, up 7.3% over the same period last year. EPS came in at $1.05, compared to $0.92 in the year-ago quarter. Here is how TransUnion performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts: View all Key Company Metrics for TransUnion here>>> Shares of TransUnion have returned -9.9% over the past month versus the Zacks S&P 500 composite's -5.1% change. The stock c ...

TransUnion (TRU) came out with quarterly earnings of $1.05 per share, beating the Zacks Consensus Estimate of $0.98 per share. This compares to earnings of $0.92 per share a year ago. These figures are adjusted for non- recurring items. This quarterly report represents an earnings surprise of 7.14%. A quarter ago, it was expected that this credit reporting company would post earnings of $0.96 per share when it actually produced earnings of $0.97, delivering a surprise of 1.04%. Over the last four quarters, ...

Core Insights - TransUnion reported strong financial results for Q1 2025, with total revenue reaching $1,096 million, marking a 7% increase compared to Q1 2024 [2][6] - The company exceeded its financial guidance across all key metrics, driven by growth in U.S. Financial Services and Emerging Verticals [4][6] - Net income attributable to TransUnion was $148 million, significantly up from $65 million in Q1 2024, primarily due to a reduction in a lawsuit accrual [7][28] Revenue Performance - Total revenue for Q1 2025 was $1,096 million, a 7% increase year-over-year, with an 8% increase on a constant currency basis [2][6] - U.S. Markets revenue grew by 9%, with Financial Services up 15% and Emerging Verticals up 6% [4][5] - International revenue increased by 6% on a constant currency basis, with high-single digit growth in most markets [4][8] Earnings and Profitability - Net income attributable to TransUnion was $148 million, with diluted earnings per share at $0.75, compared to $0.33 in Q1 2024 [7][28] - Adjusted EBITDA for the quarter was $397 million, an 11% increase from $358 million in Q1 2024, with an adjusted EBITDA margin of 36.2% [7][8] - The company maintained its organic constant currency revenue growth guidance for 2025 at 4.5% to 6% [4][6] Segment Results - U.S. Markets generated $857 million in revenue, a 9% increase, with adjusted EBITDA of $320 million, reflecting a 12% growth [8][51] - International revenue totaled $242 million, with a 6% increase, and adjusted EBITDA of $110 million, up 3% [8][51] - The Financial Services segment saw a revenue increase of 15%, while the Consumer Interactive segment experienced a slight decline of 1% [5][8] Liquidity and Capital Resources - Cash and cash equivalents were $610 million as of March 31, 2025, down from $679 million at the end of 2024 [9][10] - The company reported cash provided by operating activities of $53 million for Q1 2025, slightly down from $54 million in Q1 2024 [10][31] - Cash used in investing activities increased to $87 million, primarily due to higher capital expenditures [10][31] Outlook - The company is maintaining its revenue growth guidance for Q2 and the full year 2025, with expectations of 3% to 5% growth as reported [12][11] - TransUnion is well-positioned to navigate potential economic challenges, supported by a diversified portfolio [4][6] - The company plans to continue monitoring market conditions while prioritizing cost management and business transformation initiatives [4][6]

Exhibit 99.1 News Release TransUnion Announces First Quarter 2025 Results CHICAGO, April 24, 2025 – TransUnion (NYSE: TRU) (the "Company") today announced financial results for the quarter ended March 31, 2025. First Quarter 2025 Results Revenue: • Total revenue for the quarter was $1,096 million, an increase of 7 percent (8 percent on a constant currency basis), compared with the first quarter of 2024. Earnings: "In the first quarter, TransUnion delivered strong results that again exceeded financial guidan ...

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Company Overview - TransUnion has appointed Brian Silver as Executive Vice President of Marketing Solutions, effective April 7, 2025, reporting to Chief Global Solutions Officer Mohamed Abdelsadek [1] - TransUnion operates globally with over 13,000 associates in more than 30 countries, focusing on providing reliable consumer representation in the marketplace [4] Leadership and Strategy - Silver will lead the vision, strategy, and innovation for TransUnion's TruAudience® products, which focus on data-driven marketing and measurement [2] - Abdelsadek emphasized the potential for innovation within the TruAudience suite, powered by TransUnion's OneTru platform, to address marketers' challenges in a privacy-focused environment [3] Experience and Background - Brian Silver has over 25 years of experience in identity-based digital marketing, previously serving as Global Vice President at Oracle Advertising and holding leadership roles at LiveIntents, Verizon Media, and Yahoo! [3] - Silver expressed enthusiasm about leveraging his experience to help clients achieve their goals and drive business growth for TransUnion [4]