TransUnion Announces Strong Third Quarter 2025 Results, Exceeding All Key Financial Metrics

Core Insights - TransUnion reported strong financial results for Q3 2025, with total revenue reaching $1,170 million, marking an 8% increase compared to Q3 2024. Organic constant currency growth was 11%, the highest since 2021 [2][4][6]. Financial Performance - Revenue growth was driven by significant contributions from Financial Services, which grew by 19%, and Emerging Verticals, which increased by 7.5%. International revenue grew by 6% on an organic constant currency basis, with notable double-digit growth in the UK, Canada, and Africa [4][6]. - Net income attributable to TransUnion for the quarter was $97 million, up from $68 million in Q3 2024. Diluted earnings per share increased to $0.49 from $0.35 [7][29]. - Adjusted EBITDA for the quarter was $425 million, an 8% increase from $394 million in Q3 2024, maintaining a margin of 36.3% [7][29]. Shareholder Returns - The company has accelerated its share repurchase program, repurchasing $200 million in shares year-to-date and increasing the authorization for share repurchases to $1 billion. The management views share repurchases as an attractive use of capital [4][6]. Guidance and Outlook - TransUnion raised its 2025 revenue growth guidance to a range of 8% to 8.5%, supported by stable U.S. lending trends and strong commercial momentum [4][6][11]. Segment Performance - In the U.S. Markets, Financial Services revenue was $438 million with a growth rate of 19%, while Emerging Verticals generated $330 million with a growth rate of 7%. Consumer Interactive revenue decreased by 17% [8][9]. - International revenue totaled $260 million, with Canada growing by 10%, the UK by 24%, and Africa by 14% [8][9]. Liquidity and Capital Resources - As of September 30, 2025, cash and cash equivalents stood at $750 million, an increase from $679 million at the end of 2024. Cash provided by operating activities for the nine months ended September 30, 2025, was $668 million, compared to $579 million in 2024 [9][10]. Capital Expenditures - For the nine months ended September 30, 2025, capital expenditures were $229 million, representing 7% of revenue, compared to $199 million or 6% of revenue in 2024 [10]. Summary of Financial Metrics - The company reported total revenue of $1,169.5 million for Q3 2025, with operating income of $207.6 million. Total operating expenses were $961.9 million, leading to a net income of $100.2 million for the quarter [28][29].