Is TransUnion's Q4 Earnings Beat Good Enough to Trigger a Rebound?

Core Insights - TransUnion reported Q4 earnings that exceeded Wall Street expectations with revenue of $1.17 billion and adjusted EPS of $1.07, marking a 53% year-over-year increase in net income [1] Financial Performance - Revenue growth of 13% was driven by strong performance in U.S. Markets, with Financial Services revenue increasing by 19% to $423 million and Emerging Verticals growing by 16% to $350 million [1] - Trusted Call Solutions experienced exceptional growth of 30%, reaching $160 million [1] - Adjusted EBITDA was $417 million, resulting in a margin of 35.6% [1] Geographic Performance - Mixed results were observed geographically, with Canada and the UK showing gains of 13% and 10% respectively, while India revenue declined by 4% and Asia Pacific fell by 11% [1] Future Outlook - For 2026, TransUnion guided revenue growth of 8% to 9% and adjusted EPS growth of 8% to 10% [1] - First-quarter revenue is projected to be between $1.195 billion and $1.205 billion, with EPS expected to be between $1.08 and $1.10 [1] Capital Returns - The company repurchased $150 million in shares during Q4 and a total of $300 million for the full year [1] - The quarterly dividend was raised by approximately 9% to $0.125 per share, payable on March 13, 2026 [1] - TransUnion's leverage ratio improved to 2.6x from 3.0x a year earlier [1]