TransUnion Stock Gains 6% Post Reporting Q3 Earnings & Revenue Beat

Core Insights - TransUnion (TRU) reported strong third-quarter 2025 results, with earnings and revenues exceeding the Zacks Consensus Estimate, leading to a 5.8% stock increase since the results were released on October 23, 2025 [1][10] Financial Performance - For 2025, TransUnion raised its revenue guidance to $4.524-$4.544 billion from the previous range of $4.432-$4.472 billion, with the midpoint slightly above the Zacks Consensus Estimate of $4.53 billion [2] - Adjusted EPS guidance was increased to $4.19-$4.25 from $4.03-$4.14, also higher than the Zacks Consensus Estimate of $4.17 [2] - Quarterly adjusted earnings of $1.10 per share surpassed the consensus mark by 5.8% and increased by the same margin year over year [3] - Total revenues reached $1.2 billion, exceeding the consensus mark by 3.1% and growing 7.8% from the previous year [3] Revenue Breakdown - U.S. Markets segment revenues were $912.8 million, up 7.6% year over year, with Financial Services revenues growing 19.3% to $438 million [4] - International segment revenues increased 7.7% year over year to $260.1 million, with Canada showing a 10% growth [5] - Revenues from India grew marginally to $68.5 million, while Asia-Pacific revenues declined 7.6% to $23.7 million [6] - Latin America revenues rose slightly to $33.7 million, and Africa revenues increased 13.7% to $19.4 million, with the U.K. revenues up 23.5% to $71.4 million [7] Operating Metrics - Adjusted EBITDA was $425 million, reflecting an 8% year-over-year growth, with a margin of 36.3% [8] - Cash and cash equivalents at the end of the quarter were $749.9 million, up from $687.5 million in the previous quarter, with long-term debt remaining flat at $5 billion [11] Future Outlook - For Q4 2025, TransUnion expects revenues of $1.119-$1.139 billion, slightly below the Zacks Consensus Estimate of $1.13 billion, and adjusted EPS guidance of 97 cents to $1.02 [12] - The adjusted EBITDA outlook for 2025 was raised to $1.622-$1.637 billion from the previous range of $1.58-$1.615 billion [13]