Core Points - TransUnion experienced a data breach that compromised the personal and confidential information of approximately 4,461,511 individuals [2][4] - The breach was identified on July 30, 2025, when suspicious activity was detected on a third-party application [2] - Murphy Law Firm is investigating claims and evaluating legal options, including a potential class action lawsuit for affected individuals [1][3][4] Data Breach Details - Cybercriminals accessed sensitive personal information through an inadequately secured application [2] - The exposed information includes names, Social Security numbers, and dates of birth [5] - There is a risk that the compromised information may be sold on the dark web or used for identity theft [4] Legal Actions - Murphy Law Firm is actively seeking individuals affected by the breach to join a class action lawsuit [1][3] - The firm specializes in data breach class actions and has a history of securing favorable recoveries for clients [4]

Core Points - TransUnion LLC experienced a data breach in July 2025, potentially compromising personal information of customers, including names and Social Security numbers [1][2] - Wolf Haldenstein Adler Freeman & Herz LLP is investigating claims on behalf of affected individuals and is notifying them about the breach [1][2] Company Overview - TransUnion is headquartered in Chicago, Illinois, and is a major player in consumer credit reporting [1] - Wolf Haldenstein Adler Freeman & Herz LLP is a national consumer rights law firm with experience in consumer rights litigation across various courts [4]

Core Points - TransUnion has reported a data breach affecting over 4.4 million customers' personal information [1][2] - The breach occurred on July 28 and was attributed to unauthorized access of a third-party application [1] - TransUnion claims that no credit information was accessed, but has not provided evidence to support this assertion [2] - The specific types of personal data stolen have not been disclosed [2] - TransUnion is one of the largest credit reporting agencies in the U.S., storing financial data for over 260 million Americans [3] - The breach follows a series of hacks targeting major U.S. corporations across various industries [3] - Other companies, including Google and Allianz Life, have also reported data breaches related to their Salesforce-hosted cloud databases [4] - The identity of the hackers behind the TransUnion breach remains unclear, and it is unknown if any demands were made [4]

Core Insights - Serious consumer-level mortgage delinquency rates have increased from 0.89% in Q2 2023 to 1.27% in Q2 2025, indicating a rising trend despite historically low levels [1] - The analysis by TransUnion highlights a direct correlation between payment-to-income (PTI) ratios and mortgage delinquency, suggesting that higher PTI ratios can signal increased risk of delinquency [1][3] Group 1: Mortgage Delinquency Trends - Mortgage delinquency rates have risen gradually, with 60+ days past due (DPD) rates increasing from 0.89% in Q2 2023 to 1.14% in Q2 2024 and further to 1.27% in Q2 2025 [1] - The study focused on nearly 57 million mortgage consumers who were current on their loans, providing a relevant sample for assessing emerging risk factors [2] Group 2: Payment-to-Income Ratios - A strong link was found between changes in PTI for non-mortgage products, such as credit cards, and subsequent increases in mortgage delinquency rates in the following year [3] - As PTI ratios for credit cards increased from 2.18 in March 2023 to 2.33 in December 2023, the 60+ DPD mortgage delinquency rates also rose from 0.42% to 0.63% in the same period [4] Group 3: Implications for Lenders - Mortgage lenders are encouraged to implement a proactive schedule for collecting consumers' cross-wallet credit data to gain early insights into emerging risks of mortgage delinquency [5] - Utilizing trended credit data can help lenders identify shifts in key attributes such as aggregate excess payment and debt-to-income ratios, allowing for timely interventions [6][7]

Core Insights - Markets began 2025 positively but have experienced significant volatility due to tariff pressures and geopolitical uncertainties, with rising expectations for a September FOMC rate cut amid a softening labor market and inflationary trade policy effects [1] Stock Selection Strategy - The current investment environment necessitates a conventional stock selection method, focusing on companies with steady sales growth. Notable companies include Microsoft Corporation (MSFT), Textron Inc. (TXT), Bank OZK (OZK), and TransUnion (TRU) [2][9] Revenue and Financial Health - Investors prioritize revenue over earnings when evaluating companies, as increasing sales indicate a growing customer base and long-term potential. Conversely, stagnant or declining revenues may suggest operational challenges [3] - Revenue growth should be analyzed alongside a company's cash position, as strong cash reserves and healthy cash flow provide flexibility for growth and operational stability [4] Screening Parameters for Stock Selection - Stocks are shortlisted based on criteria including 5-Year Historical Sales Growth (%) greater than the industry average and Cash Flow exceeding $500 million [5] - Additional metrics include a Price/Sales (P/S) Ratio lower than the industry average, positive % Change in F1 Sales Estimate Revisions compared to the industry, Operating Margin greater than 5%, Return on Equity (ROE) above 5%, and a Zacks Rank of 1 or 2 [6][7][8] Company-Specific Insights - Microsoft (MSFT) is projected to have a 13.8% sales growth in 2025 and currently holds a Zacks Rank of 2 [9][10] - Textron (TXT) anticipates a 7.7% sales growth in 2025, also with a Zacks Rank of 2 [11] - Bank OZK (OZK) expects a 4.2% increase in sales for 2025, maintaining a Zacks Rank of 2 [11] - TransUnion (TRU) forecasts a 6.9% sales growth in 2025 and holds a Zacks Rank of 2 [12]

Core Insights - American consumers are showing steady and disciplined credit behavior, with signs of stabilization and measured growth across key lending categories despite a complex economic landscape [1][3] - The Q2 2025 Credit Industry Insights Report from TransUnion indicates a rebound in credit card and unsecured personal loan originations, with controlled balance growth and declining delinquencies [1][2] Credit Card Market - Bankcard originations increased by 4.5% YoY in Q1 2025, with outstanding balances also rising by 4.5% YoY in Q2 2025, which is lower than the growth rates observed in the previous three years [2][16] - The consumer-level 90+ days past due (DPD) delinquency rate decreased by 9 basis points YoY to 2.17%, indicating improved credit health [2][16] - Total charge-off balances remained steady at just under $17 billion, with the number of accounts charged off declining by 9% YoY to 4.7 million [6][8] Unsecured Personal Loans - Unsecured personal loan originations rose sharply by 18% YoY in Q1 2025, totaling 5.4 million accounts, with stable delinquency rates [7][17] - Total unsecured loan balances reached $257 billion in Q2 2025, marking a 4% YoY increase, driven primarily by super prime and prime plus segments [17][20] - The 60+ DPD delinquency rate slightly declined to 3.37%, reflecting improved management of credit by consumers [18][20] Mortgage Market - Mortgage originations increased by 5.1% YoY in Q1 2025, primarily due to a rebound in refinance activity, with rate-and-term refinances up 44% YoY [25][27] - The consumer-level 60+ DPD delinquency rate rose to 1.27%, with FHA loans accounting for 35% of these delinquencies [25][27] - Total balances of all mortgage loans reached $12.6 trillion, up from $12.3 trillion in Q2 2024 [27] Auto Loan Market - Auto loan originations grew by 5.9% YoY to 6.4 million in Q1 2025, supported by rising new vehicle inventory levels [33][31] - The percentage of consumers 60+ DPD rose to 1.31%, exceeding 2009 levels, although the pace of growth has begun to decelerate [33][34] - Average monthly payments for new auto loans increased to $758, while used auto loans averaged $531 [31][33]

Core Insights - Total Canadian consumer credit balances reached $2.52 trillion in Q2 2025, marking a 4.4% year-over-year increase, but only a 3% real increase when adjusted for inflation [2][3] - Average consumer total balance increased by 7% from Q1 2022 to Q2 2025, while non-mortgage debt declined by 10%, indicating rising mortgage costs are consuming more household budgets [3][4] - Regional disparities exist in non-mortgage debt levels, with P.E.I. and B.C. reporting the highest average debt levels, while Quebec and Manitoba have the lowest [4][5] Consumer Debt Trends - The average new mortgage loan amount rose 6.9% year-over-year to $368,432, highlighting ongoing affordability challenges for homebuyers [10][11] - More than two million Canadian mortgages are set to renew between 2025 and 2026, with many originally secured at ultra-low interest rates, leading to potential increases in monthly payments [13] - The overall consumer-level serious delinquency rate increased slightly to 1.77%, with Alberta having the highest rate at 2.29% [14][16][17] Economic Conditions and Market Dynamics - Mortgage originations surged 51% year-over-year in Q1 2025, reaching $82.6 billion, driven by lower interest rates and renewed buyer demand [8][9] - The Consumer Credit Industry Index declined by 1.4 points from the previous quarter to 98.8, reflecting softening consumer spending amid rising cost-of-living pressures [19] - Inflation has been a key driver of growth in consumer balances, with average non-mortgage balances rising 10% since 2022 [6]

Core Insights - Auto insurance shopping increased by 18% in Q2 2025 compared to Q2 2024, while home insurance shopping rose by 9% year over year [1][2] - The growth in auto insurance shopping activity peaked in March 2025 and sustained until May 2025 [2] - 42% of auto insurance shoppers switched insurers in the past year and a half, with a significant portion of these customers being Gen Xers and Baby Boomers [3] Industry Trends - Insurance carriers are urged to rethink retention strategies and employ data-driven, personalized approaches to engage customers during life events [4] - There was a 23% year-over-year increase in marketing spend across multiple channels, with a focus on direct mail and branding campaigns [5] - Clean data is essential for effective marketing campaigns, as demonstrated by a study that showed an estimated $1 million reduction in direct mail costs and nearly $5 million in additional revenue after data cleaning [6] Marketing Performance - Marketing performance improves significantly when audiences are defined with multiple characteristics, with returns on ad spend increasing by up to 3.6 times compared to less refined targeting [7] - Sophisticated audience targeting, supported by clean data, allows marketers to present the right insurance products to consumers based on their current life stage [8]

Group 1 - TransUnion's Board of Directors declared a cash dividend of $0.115 per share for the second quarter of 2025 [1] - The dividend will be payable on September 8, 2025, to shareholders of record on August 22, 2025 [1] Group 2 - TransUnion operates as a global information and insights company with over 13,000 associates in more than 30 countries [2] - The company focuses on providing a reliable representation of individuals in the marketplace through actionable consumer insights [2] - TransUnion has expanded its services beyond core credit into marketing, fraud, risk, and advanced analytics through acquisitions and technology investments [2] - The company's mission, termed Information for Good®, aims to create economic opportunities and empower millions globally [2]

Core Insights - TransUnion (TRU) reported strong second-quarter 2025 results, with earnings and revenues exceeding the Zacks Consensus Estimate [1][10] - Despite the earnings beat, TRU's stock price has not shown significant movement since the results were released on July 24 [1] Financial Performance - TRU's adjusted earnings per share (EPS) of $1.08 surpassed the consensus estimate by 9.1% and increased by 9.1% year-over-year [2] - Total revenues reached $1.1 billion, exceeding the consensus mark by 3.7% and rising 9.5% from the previous year [2] - Adjusted EBITDA was $407 million, reflecting an 8% year-over-year growth and beating the estimate of $383.9 million [7] Revenue Breakdown - U.S. Markets segment revenues were $890 million, a 10% increase year-over-year, surpassing the estimate of $833.5 million [3] - Financial Services within the U.S. Markets segment saw revenues of $420 million, up 17% from the year-ago quarter [3] - International segment revenues increased 7% year-over-year to $253 million, though it missed the expectation of $258.3 million [4] Regional Performance - Revenues from Canada were $42 million, up 9% year-over-year, exceeding the projection of $41 million [4] - Revenues from India increased 5% to $67 million but fell short of the estimate of $72.9 million [5] - Revenues from the U.K. were $67 million, up 19% year-over-year, surpassing the estimated figure of $60.2 million [6] Guidance and Outlook - For Q3 2025, TRU raised revenue guidance to $1.115-$1.135 billion, slightly below the Zacks Consensus Estimate of $1.13 billion [11] - Adjusted EPS guidance was increased to 99 cents-$1.04, with the Zacks Consensus Estimate at $1.04 [12] - For the full year 2025, revenue guidance was raised to $4.43-$4.47 billion, aligning with the Zacks Consensus Estimate [13]