UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 - 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 Delaware 61-1678417 (State or other jurisdiction of incorporation or organization) 555 West Adams, Chicago, Illinois 60661 ...

TransUnion (NYSE:TRU) Q4 2024 Earnings Conference Call February 13, 2025 9:30 AM ET Company Participants Greg Bardi - VP, IR Chris Cartwright - President & CEO Todd Cello - EVP & CFO Conference Call Participants Jeff Meuler - Baird Andrew Steinerman - JPMorgan Toni Kaplan - Morgan Stanley Faiza Alwy - Deutsche Bank Manav Patnaik - Barclays Jason Haas - Wells Fargo Andrew Nicholas - William Blair Ashish Sabadra - RBC Capital Markets Surinder Thind - Jefferies Kelsey Zhu - Autonomous Operator Good morning, an ...

For the quarter ended December 2024, TransUnion (TRU) reported revenue of $1.04 billion, up 8.7% over the same period last year. EPS came in at $0.97, compared to $0.80 in the year-ago quarter.The reported revenue compares to the Zacks Consensus Estimate of $1.03 billion, representing a surprise of +0.88%. The company delivered an EPS surprise of +1.04%, with the consensus EPS estimate being $0.96.While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street ex ...

Fourth Quarter 2024 Earnings 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 actual results to differ materially from those described in the forward- ...

Financial Data and Key Metrics Changes - In Q4 2024, the company exceeded guidance on revenue and adjusted EBITDA for the fifth consecutive quarter, with revenue growing 9% on an organic constant currency basis, surpassing the 6% to 8% guidance [6][48] - Adjusted EBITDA increased 16% on a reported and constant currency basis, with an adjusted EBITDA margin of 36.5%, up 230 basis points [49] - Adjusted diluted earnings per share was $0.97, reflecting a 21% increase [49] Business Line Data and Key Metrics Changes - U.S. Markets revenue grew 8% year-over-year, with financial services revenue increasing by 21% [51] - Consumer Interactive revenue declined 11% due to a large breach win in the prior year, while excluding this impact, revenue still decreased due to the direct channel [55] - Emerging verticals grew 4%, led by double-digit growth in insurance [54] Market Data and Key Metrics Changes - International revenue grew 12% on a constant currency basis, with India growing 18% [57] - The U.S. credit market conditions remain subdued, with mortgage originations at low levels not seen since 1995 [18] - The Indian consumer credit market is expected to grow modestly in 2025, with a guidance of roughly 10% growth [60] Company Strategy and Development Direction - The company aims to deliver consistent results in a subdued market while focusing on transforming its operating model, modernizing technology, and accelerating innovation [12][13] - Strategic priorities for 2025 include strengthening the global operating model and completing technology transformations in the U.S. and India [13][14] - The company plans to expand its freemium credit management offering in collaboration with Credit Sesame, targeting the multibillion-dollar market [39][40] Management's Comments on Operating Environment and Future Outlook - Management expressed a cautious outlook, assuming muted but stable lending activity in the U.S. and not anticipating significant improvements in credit volumes due to interest rate conditions [15][66] - The company expects to achieve 4.5% to 6% organic constant currency revenue growth in 2025, with potential upside when U.S. credit market conditions improve [83] - Management highlighted the importance of maintaining a conservative approach to guidance, reflecting the current market conditions [91] Other Important Information - The company prepaid $45 million in debt during Q4 2024, totaling $150 million for the year, and successfully refinanced over $2.3 billion of term loans [9][10] - A new $500 million share repurchase program was authorized, replacing all prior repurchase authorizations [79] Q&A Session Questions and Answers Question: How does the company reconcile its conservative guidance with current market conditions? - Management indicated that while market conditions are stable, they remain muted compared to longer-term origination patterns, hence the prudent approach to guidance [91] Question: What is the expected performance of Consumer Interactive revenues in 2025? - Management noted that the new freemium offering is expected to enhance growth in both direct and indirect channels, providing a strategic reset for the consumer business [96] Question: What visibility does the company have regarding growth in India? - Management acknowledged the slowdown in the Indian market due to regulatory actions but expressed optimism for a potential thawing in the consumer credit market throughout 2025 [100]

TransUnion (TRU) came out with quarterly earnings of $0.97 per share, beating the Zacks Consensus Estimate of $0.96 per share. This compares to earnings of $0.80 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 1.04%. A quarter ago, it was expected that this credit reporting company would post earnings of $1.02 per share when it actually produced earnings of $1.04, delivering a surprise of 1.96%.Over the last four quarters, the ...

Solution will engage more U.S. consumers to take action to manage their financial futuresCHICAGO, Feb. 13, 2025 (GLOBE NEWSWIRE) -- TransUnion (NYSE:TRU) has announced the launch of its new direct-to-consumer experience in the U.S., enabled by its strategic collaboration with Credit Sesame, a leader in the credit management space. This new offering is expected to enable TransUnion to more fully serve the tens of millions of consumers who visit TransUnion digital properties annually, with a highly engaging f ...

Exhibit 99.1 News Release TransUnion Announces Fourth Quarter and Full-Year 2024 Results and Refreshed Capital Allocation Framework CHICAGO, February 13, 2025 - TransUnion (NYSE: TRU) (the "Company") today announced financial results for the quarter and full-year ended December 31, 2024. Fourth Quarter 2024 Results Revenue: • Total revenue for the quarter was $1,037 million, an increase of 9 percent (9 percent on an organic constant currency basis), compared with the fourth quarter of 2023. Earnings: "Trans ...

Core Insights - Engagement among Millennials and high-value bettors has declined, while overall betting activity increased slightly in Q4 2024 compared to Q4 2023 [1][2] Group 1: Betting Activity Trends - Betting activity rose to 26% of consumers in Q4 2024, up from 24% in Q4 2023, driven by generational shifts [1] - Millennials' engagement in betting dropped by 5% year-over-year in Q4 2024, while Baby Boomers and Gen Xers saw increases of 7% and 4% respectively [2] - Gen Z's participation remained stable, indicating a shift in engagement dynamics among different age groups [2] Group 2: Financial Profiles of Bettors - High-value bettors, defined as those spending over $500 per month, experienced an 8% drop in engagement with land-based operators and a 9% drop with online operators [3] - In Q4 2024, 54% of high-value bettors had good or excellent credit, an increase from 50% in Q4 2023, while those with poor financial profiles decreased from 7% to 4% [4] - Bettors demonstrated a more resilient financial profile compared to non-bettors, with over half reporting income increases in the past three months [5] Group 3: Credit Scores and Financial Health - More than half of land-based and online bettors reported good or excellent credit scores, compared to 47% of non-bettors [7] - One-third of non-bettors fell into poorer credit quality ranges, while only 22% of online bettors and 20% of land-based bettors did [7] Group 4: Regulatory Environment - Increased regulatory scrutiny on the betting industry in 2024, with studies highlighting financial risks for certain players [8] - The formation of the Responsible Online Gaming Association (ROGA) aims to establish responsible gaming standards and support research [8][10] - Operators face challenges in engaging with players who exhibit high financial volatility, necessitating vigilance in responsible gaming assessments [9]

The upcoming report from TransUnion (TRU) is expected to reveal quarterly earnings of $0.96 per share, indicating an increase of 20% compared to the year-ago period. Analysts forecast revenues of $1.03 billion, representing an increase of 7.7% year over year.The current level reflects a downward revision of 0.1% in the consensus EPS estimate for the quarter over the past 30 days. This demonstrates how the analysts covering the stock have collectively reappraised their initial projections over this period.Ah ...