Core Insights - The TransUnion Q2 2025 Consumer Pulse study indicates a rise in consumer pessimism regarding household finances, with 27% of U.S. consumers expressing concerns, up from 21% in Q4 2024 and 23% a year ago, marking the highest level since Q1 2021 [1][2][3] - Despite the increase in pessimism, 55% of consumers remain optimistic about their finances, consistent with Q2 2024 but down from 58% in Q4 2024 [2][3] - Concerns about tariffs have led to heightened interest in credit products, with 87% of Americans expressing some level of concern about the impact of tariffs on their finances [6][9] Consumer Sentiment - The youngest consumers, Gen Z and Millennials, show the highest levels of optimism at 67% and 64%, respectively [2][3] - A significant portion of consumers (41%) report being very concerned about tariffs, with 37% of this group planning to apply for new credit or refinance existing credit in the next year [6][7] Economic Concerns - Inflation remains the top financial concern for Americans, with 81% ranking it among their top three concerns for the next 12 months [10] - Fears of a recession have increased, with 52% of respondents listing it as a top concern, up from 43% in Q4 2024 [10][11] - Historical context shows that while recession fears are growing, they are not at the highest levels seen two years ago, indicating a complex consumer sentiment landscape [11][12] Credit Market Dynamics - Consumers concerned about tariffs are more likely to seek liquidity credit products, such as credit cards and personal loans, to prepare for potential financial challenges [7][9] - The study suggests that uncertainty in the market often drives consumers to secure new credit options, reflecting a proactive approach to managing financial risks [9][12]

Core Insights - The analysis from TransUnion indicates that sophisticated targeting choices can significantly enhance return on ad spend (ROAS), with potential upsides reaching up to 9x [1][4][8] - The study reveals a performance gap based on audience targeting, where audiences with two optimal traits yield a 3.6x ROAS, and those with three optimal traits yield a 7.2x ROAS [2][4] - Conversely, sub-optimal targeting decisions can lead to severe declines in performance, with mistargeted campaigns experiencing a -90% ROAS [3][4] Targeting Analysis - The analysis evaluated 26 targeting attributes across six categories, including age, income, and neighborhood type, demonstrating that even minor variations can lead to significant changes in ROAS [6][10] - Marketers are encouraged to move beyond broad assumptions and explore precise combinations of targeting attributes to maximize performance [7][8] Methodology - The findings are based on Q4 2024 campaign data from 25 brands across five industries, analyzing a total spend of $1.5 billion and over 18.4 billion events across various media channels [10]

TransUnion analysis finds significant generational differences in migration trends, with implications for insurersCHICAGO, June 11, 2025 (GLOBE NEWSWIRE) -- Americans who relocated in 2024 sought out new locales, with the three most popular locations in the state of Texas—North Houston, Fort Worth and Austin. Overall, consumers left pricier and densely populated urban areas in favor of more affordable cities and suburbs in the southern U.S., according to TransUnion (NYSE: TRU) research focused on migration ...

TransUnion (TRU) FY Conference June 05, 2025 10:20 AM ET Speaker0 All right. Good morning, everyone, and thank you for being here for the TransUnion presentation. My name is Andrew Nicholas and I'm the business services analyst here at William Blair. Before getting started, I'm required to inform you that for a complete list of research disclosures or potential conflicts of interest, please visit our website at williamblair.com. With that out of the way, very pleased to welcome TransUnion's CEO Christopher ...

TransUnion (TRU) FY 2025 Conference May 28, 2025 09:00 AM ET Speaker0 Hi. Good morning, everyone. Thank you for coming to our forty first Strategic Decisions Conference. With me on stage today, we have Chris Cartwright, who is the CEO of TransUnion. Welcome back, Chris. Thanks for joining us again. Speaker1 Always a pleasure. Thank you. Good to see lots of familiar faces this morning. Speaker0 I thought given the current environment, it's probably only appropriate to start with macro conversations. So, Chri ...

Core Insights - The Canadian credit market experienced mixed outcomes in Q1 2025, with growth driven by increased borrowing from young Canadians and newcomers, while subprime consumers faced rising delinquency rates [1][2][3] Group 1: Credit Market Growth - Total outstanding credit debt in Canada reached $2.5 trillion in Q1 2025, reflecting a 4.7% year-over-year growth [2] - Gen Z consumers contributed significantly to this growth, with their outstanding balances increasing by 30.6% year-over-year, accounting for $12 billion or 10.3% of total new balance growth [3] - New Canadians added $2.6 billion in new credit balances, marking a 6.3% increase year-over-year [3] Group 2: Consumer Behavior and Risk Tiers - Non-mortgage debt grew by 2.4%, with below prime average consumer balances increasing by 4.4%, and subprime consumers seeing the highest increase at 6.3% [5] - The average non-mortgage balances per consumer varied across risk tiers, with subprime consumers averaging $23,638, reflecting a 6.3% year-over-year increase [6] - Serious delinquency rates for consumers 60 days or more delinquent rose by 11 basis points year-over-year to 2.71% in Q1 2025, influenced by the influx of new-to-credit consumers [15] Group 3: Regional Disparities - There are significant regional differences in delinquency trends, with Alberta experiencing the highest delinquency rates due to economic volatility, while Quebec had the lowest [17][18] - Average debt per borrower varied by province, with P.E.I. and Newfoundland having the highest average debt levels, which may increase vulnerability to financial strain [9] Group 4: Economic Conditions and Consumer Credit Index - The Canada Consumer Credit Index dropped to 100.3, down almost 6 points from the previous year, indicating muted credit demand amid economic uncertainty [12] - Economic conditions have led to a widening financial divide among credit consumers, with some benefiting from improved inflation and interest rates while others continue to face challenges [14]

Core Insights - The analysis by TransUnion reveals that while total consumer credit balances have increased nominally, inflation-adjusted figures show declines in real balances across most credit risk tiers [2][3][4]. Consumer Credit Trends - Total consumer credit balances rose from $14.1 trillion in Q1 2020 to $18.0 trillion in Q1 2025, a nominal increase of approximately 28%, while inflation-adjusted growth is only about 3% [2][3]. - Inflation-adjusted balances declined across most credit risk tiers, with the prime risk tier experiencing a 14% drop, while super prime consumers saw an 18% increase, largely due to higher mortgage balances [3][5]. Credit Card Insights - Serious delinquencies for credit cards decreased year-over-year for the second consecutive quarter, dropping to 2.43% in Q1 2025, indicating improved credit management among consumers [8][10]. - The total number of credit cards increased to 563 million in Q1 2025, with total credit card balances reaching $1.07 trillion [10]. Unsecured Personal Loans - Unsecured personal loan originations hit a new high of 6.3 million in Q4 2024, a 26% increase year-over-year, with total balances reaching $253 billion in Q1 2025 [13][16]. - The overall borrower-level delinquency rate for unsecured personal loans declined to 3.49% in Q1 2025, down from 3.75% the previous year [14][16]. Mortgage Market Dynamics - Mortgage originations increased by 30.2% year-over-year in Q4 2024, reaching 1.2 million, with the average amount of new mortgage loans rising to $366,443 [19][22]. - The consumer-level delinquency rate for mortgages ticked up to 1.36% in Q1 2025, although it remains below long-term averages [21][22]. Auto Loan Developments - Auto loan originations grew by 8% year-over-year in Q4 2024, reaching 6.2 million, with super prime borrowers leading the growth [23][26]. - The consumer-level delinquency rate for auto loans increased to 1.56% in Q1 2025, reflecting elevated delinquency levels particularly for prime and below tiers [23][26].

Group 1: Company Performance - TransUnion (TRU) shares have increased by 17.6% over the past year, outperforming the industry growth of 14.8% and the S&P 500 composite rise of 13.6% [1] - Revenue growth is projected at 5.2% for 2025 and 8.7% for 2026, while earnings are expected to rise by 4.7% in 2025 and 19.5% in 2026 [1] Group 2: Market Position and Growth Factors - TransUnion is a significant player in the expanding big data and analytics market, valued at $293.1 billion in 2024, with a projected CAGR of 13.5% from 2024 to 2031 [2] - The company has enhanced its analytical capabilities and database through technology, attracting more customers and driving revenue growth [2] Group 3: Acquisition Strategy - TRU's acquisition strategy has been crucial for its growth, with two acquisitions completed in early 2025 [3][4] - The acquisition of Trans Union de Mexico strengthens TRU's position in Latin America, making it the largest credit bureau in Spanish-speaking Latin America [3] - The acquisition of Monevo aims to enhance TRU's capabilities in the consumer lending marketplace [4] Group 4: Financial Health - As of the end of Q1 2025, TRU's current ratio was 2.05, significantly above the industry average of 0.88, indicating a strong liquidity position [5]

DALLAS, May 15, 2025 (GLOBE NEWSWIRE) -- Inbenta, a global leader in AI-powered CX and EX solutions, today announced the appointment of Bobby Mehta as Strategic Advisor. Mehta, former CEO of TransUnion and current board member of several prominent companies, brings a wealth of experience in global business leadership and financial services to Inbenta's advisory team. "We are thrilled to welcome Bobby Mehta to Inbenta as a Strategic Advisor," says Melissa Solis, CEO of Inbenta. "Bobby's extensive experience ...

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. ...