As a result, higher-risk customers are still shopping for lower rates, while mid- and low-risk customers may have seen their rates stabilize. These findings and more are included in TransUnion's latest quarterly Insurance Personal Lines Trends and Perspectives Report. "As rates have settled for the majority of auto insurance customers, we are experiencing a return to historical insurance shopping patterns, which correlate price sensitivity closely to relative insurance risk," said Patrick Foy, senior direct ...

CHICAGO, May 08, 2025 (GLOBE NEWSWIRE) -- TransUnion (NYSE: TRU) today announced that its Board of Directors declared a cash dividend of $0.115 per share for the first quarter 2025. The dividend will be payable on June 6, 2025, to shareholders of record on May 22, 2025. About TransUnion (NYSE: TRU) TransUnion is a global information and insights company with over 13,000 associates operating in more than 30 countries. We make trust possible by ensuring each person is reliably represented in the marketplace. ...

CHICAGO, May 07, 2025 (GLOBE NEWSWIRE) -- While gig economy services are popular with American consumers overall, households with children have emerged as power users. This cohort reports using gig services on a weekly basis at an overall rate nearly 50% higher than households without children. More telling, 23% of households with children spend $500 or more per month on ridesharing, food delivery and other gig services, a rate almost five times higher than households without children—just 5% of which spend ...

New TransUnion analysis explores the percentage of student loan borrowers at risk of default and the credit score impactsCHICAGO, May 05, 2025 (GLOBE NEWSWIRE) -- As the U.S. Department of Education begins resuming collections activities among defaulted borrowers, new research reveals that the number of consumers at risk for default has soared past pre-pandemic levels. These findings come from a new analysis conducted by TransUnion (NYSE: TRU) and featured at the company’s 2025 Financial Services Summit, at ...

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]

Financial Performance - For the three months ended March 31, 2025, revenue increased by $74.5 million, or 7.3%, to $1,095.7 million compared to $1,021.2 million in the same period of 2024 [131][132]. - Operating income for the three months ended March 31, 2025, was $254.4 million, reflecting a significant increase of $97.2 million or 61.9% from $157.2 million in 2024 [131]. - Net income attributable to TransUnion for the three months ended March 31, 2025, was $148.1 million, an increase of $82.9 million compared to $65.1 million in 2024 [131]. - Consolidated Adjusted EBITDA for the same period rose by $39.0 million to $397.1 million, with a margin increase of 1.2% to 36.2% due to higher revenue and cost savings from the transformation plan [181]. - Adjusted Net Income for Q1 2025 was $207.6 million, a 16.0% increase from $179.0 million in Q1 2024 [183]. Cost Management - Cost of services rose by $39.4 million to $445.6 million, primarily due to increased data acquisition and personnel costs [133]. - Selling, general and administrative expenses decreased by $48.8 million to $256.8 million, attributed to a reduction in variable postage and realization of benefits from the operating model transformation plan [133]. - Total operating expenses decreased by $22.7 million to $841.4 million, driven by lower restructuring costs [131]. - The company reported a significant increase in stock-based compensation expenses, rising to $30.3 million in Q1 2025 from $24.1 million in Q1 2024, a change of 25.8% [178]. Transformation and Investment - TransUnion's transformation plan is expected to incur one-time pre-tax expenses of $355.0 to $375.0 million from Q4 2023 through the end of 2025, with anticipated annual savings of $120.0 to $140.0 million post-completion [115]. - The company realized annualized savings of approximately $85.0 million from the transformation plan during the year ended December 31, 2024 [115]. - The company is investing approximately $90 million in technology initiatives during 2024 and 2025 to enhance its global cloud-based infrastructure [169]. Shareholder Returns - During Q1 2025, TransUnion repurchased approximately 63,000 shares of common stock for a total of $5.4 million, with an average price of $84.86 per share [120]. - As of March 31, 2025, $494.7 million remains available for repurchases under the 2025 Repurchase Plan [120]. - The company declared dividends of $0.115 per share totaling $22.6 million in the first quarter of 2025 [202]. Economic Environment - The U.S. economy showed resilience in Q1 2025, with GDP growth and rising real wages, although higher interest rates have slowed demand for consumer loans and impacted the housing sector [110]. - The ongoing macroeconomic uncertainty, including potential tariff increases, may adversely impact consumer sentiment and demand for credit [112]. Debt and Financial Health - The company executed Amendment No. 24 to the Senior Secured Credit Facility, entering into a Senior Secured Term Loan B-9 with an aggregate principal amount of $1.9 billion [121]. - The leverage ratio as of March 31, 2025, was 2.9, with a net debt of $4,521.0 million [192]. - As of March 31, 2025, the company was in compliance with all debt covenants, with a senior secured net leverage ratio not exceeding 5.5-to-1 [216]. Currency and Interest Rate Risk - The company is exposed to foreign currency exchange rate risk, with transactions in multiple currencies including British pounds and South African rand [229]. - Approximately 71.6% of the company's variable-rate debt is hedged with interest rate swaps, mitigating interest rate risk [226]. - A 10% change in average Term SOFR rates would have increased annual interest expense by approximately $6 million during Q1 2025 [226].

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, ...