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 September 30, 2021 - 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 ...

TransUnion (NYSE:TRU) Q2 2021 Earnings Conference Call July 27, 2021 9:30 AM ET Company Participants Aaron Hoffman - SVP, IR Chris Cartwright - President and CEO Todd Cello - EVP and CFO Conference Call Participants Manav Patnaik - Barclays Jeff Meuler - Baird Andrew Steinerman - JPMorgan Mario Cortellacci - Jefferies Gary Bisbee - Bank of America Securities Andrew Nicholas - William Blair Toni Kaplan - Morgan Stanley Shlomo Rosenbaum - Stifel Ashish Sabadra - RBC Andrew Jeffrey - Truist Operator Good morni ...

v v v TransUnion Second Quarter 2021 Earnings Chris Cartwright, President and CEO Todd Cello, CFO Forward-Looking Statements 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 c ...

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 June 30, 2021 - 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) (State or other jurisdiction of in ...

Financial Data and Key Metrics Changes - First quarter consolidated revenue increased by 8% on a reported and constant currency basis, with organic constant currency growth at 7% [57] - Adjusted EBITDA increased by 14% on a reported basis and 13% on a constant currency basis, with an adjusted EBITDA margin of 40.3%, up 200 basis points year-over-year [58] - Adjusted diluted EPS increased by 25%, driven by strong adjusted EBITDA growth and reduced interest expenses [59] Business Line Data and Key Metrics Changes - U.S. markets revenue was up 11% year-over-year, with adjusted EBITDA increasing by 16% [60] - Financial services revenue grew by 14%, with a 5% increase excluding mortgage [61] - Emerging verticals grew by 7% on a reported basis, with double-digit growth in public sector, tenant and employment screening, and media [65] Market Data and Key Metrics Changes - In the U.K., revenue declined by 5%, but trends improved significantly towards the end of the quarter [71] - Canadian business grew by 9%, nearing pre-pandemic activity levels [72] - India saw an 11% revenue growth, although the situation worsened recently due to rising COVID-19 cases [73] Company Strategy and Development Direction - The company aims for high single-digit revenue growth with expanding margins and double-digit EPS growth [17] - Focus on innovation and partnerships with FinTech lenders to capture growth in e-commerce and financial services [20][21] - Expansion into new markets such as online gaming and media, leveraging data and technology for competitive advantage [23][120] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about a sustained economic recovery in the U.S. and other key markets, supported by improving macro indicators [12][17] - Acknowledgment of the fragility of recovery due to potential lockdowns and market volatility [16] - Confidence in long-term growth strategy despite short-term challenges in specific sectors like mortgage [110] Other Important Information - The company has a strong balance sheet with $433 million in cash and a declining net leverage ratio of 2.7 times [77] - Continued investment in technology and data management to enhance operational efficiency and market position [44][120] - Commitment to diversity, equity, and inclusion initiatives, with a focus on improving representation within the company [50] Q&A Session Summary Question: Insights on FinTech vertical recovery - Management noted that consumer lending within financial services strengthened month over month, with increased interest in new customer acquisition from FinTech players [90][92] Question: U.K. revenue decline and TrueVision product performance - Management attributed U.K. revenue declines to lockdown impacts and noted encouraging interest in the TrueVision product, with a growing pipeline [95][96] Question: Prama product traction - Management confirmed that Prama remains a vital part of new product offerings and is expected to enhance customer engagement and revenue [101][102] Question: Mortgage market outlook - Management revised mortgage expectations to flat for the year, citing stronger-than-expected performance in Q1 and ongoing activity in refinancing and purchases [106][110] Question: Media and digital ad offering differentiation - Management highlighted the unique data quality and matching logic that TransUnion brings to the media and digital marketplaces, with plans for further scaling through M&A [118][121] Question: Non-mortgage financial services growth comparison - Management explained that the slower growth in non-mortgage financial services was due to tough comparisons from a strong Q1 2020 and noted recovery potential in the upcoming quarters [123][126]

v v v TransUnion First Quarter 2021 Earnings Chris Cartwright, President and CEO Todd Cello, CFO Forward-Looking Statement 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 cou ...

☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 - OR - ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) 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) Q4 2020 Earnings Conference Call February 16, 2021 9:30 AM ET Company Participants Aaron Hoffman - 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 Manav Patnaik - Barclays Toni Kaplan - Morgan Stanley Andrew Steinerman - JPMorgan Gary Bisbee with Bank - America Andrew Jeffrey - Truist Securities George Mihalos - Cowen Shlomo Rose ...

v v v TransUnion Fourth Quarter 2020 Earnings Chris Cartwright, President and CEO Todd Cello, CFO Forward-Looking Statement 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 co ...

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, 2020 - 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 other jurisdiction of incor ...