Financial Performance - For the three months ended March 31, 2025, revenue increased by $74.5 million, or 7.3%, to $1,095.7 million compared to $1,021.2 million in the same period of 2024 [131][132]. - Operating income for the three months ended March 31, 2025, was $254.4 million, reflecting a significant increase of $97.2 million or 61.9% from $157.2 million in 2024 [131]. - Net income attributable to TransUnion for the three months ended March 31, 2025, was $148.1 million, an increase of $82.9 million compared to $65.1 million in 2024 [131]. - Consolidated Adjusted EBITDA for the same period rose by $39.0 million to $397.1 million, with a margin increase of 1.2% to 36.2% due to higher revenue and cost savings from the transformation plan [181]. - Adjusted Net Income for Q1 2025 was $207.6 million, a 16.0% increase from $179.0 million in Q1 2024 [183]. Cost Management - Cost of services rose by $39.4 million to $445.6 million, primarily due to increased data acquisition and personnel costs [133]. - Selling, general and administrative expenses decreased by $48.8 million to $256.8 million, attributed to a reduction in variable postage and realization of benefits from the operating model transformation plan [133]. - Total operating expenses decreased by $22.7 million to $841.4 million, driven by lower restructuring costs [131]. - The company reported a significant increase in stock-based compensation expenses, rising to $30.3 million in Q1 2025 from $24.1 million in Q1 2024, a change of 25.8% [178]. Transformation and Investment - TransUnion's transformation plan is expected to incur one-time pre-tax expenses of $355.0 to $375.0 million from Q4 2023 through the end of 2025, with anticipated annual savings of $120.0 to $140.0 million post-completion [115]. - The company realized annualized savings of approximately $85.0 million from the transformation plan during the year ended December 31, 2024 [115]. - The company is investing approximately $90 million in technology initiatives during 2024 and 2025 to enhance its global cloud-based infrastructure [169]. Shareholder Returns - During Q1 2025, TransUnion repurchased approximately 63,000 shares of common stock for a total of $5.4 million, with an average price of $84.86 per share [120]. - As of March 31, 2025, $494.7 million remains available for repurchases under the 2025 Repurchase Plan [120]. - The company declared dividends of $0.115 per share totaling $22.6 million in the first quarter of 2025 [202]. Economic Environment - The U.S. economy showed resilience in Q1 2025, with GDP growth and rising real wages, although higher interest rates have slowed demand for consumer loans and impacted the housing sector [110]. - The ongoing macroeconomic uncertainty, including potential tariff increases, may adversely impact consumer sentiment and demand for credit [112]. Debt and Financial Health - The company executed Amendment No. 24 to the Senior Secured Credit Facility, entering into a Senior Secured Term Loan B-9 with an aggregate principal amount of $1.9 billion [121]. - The leverage ratio as of March 31, 2025, was 2.9, with a net debt of $4,521.0 million [192]. - As of March 31, 2025, the company was in compliance with all debt covenants, with a senior secured net leverage ratio not exceeding 5.5-to-1 [216]. Currency and Interest Rate Risk - The company is exposed to foreign currency exchange rate risk, with transactions in multiple currencies including British pounds and South African rand [229]. - Approximately 71.6% of the company's variable-rate debt is hedged with interest rate swaps, mitigating interest rate risk [226]. - A 10% change in average Term SOFR rates would have increased annual interest expense by approximately $6 million during Q1 2025 [226].

TransUnion (NYSE:TRU) Q1 2025 Earnings Conference Call April 24, 2025 9:30 AM ET Company Participants Greg Bardi – 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 Andrew Steinerman – JPMorgan Toni Kaplan – Morgan Stanley Faiza Alwy – Deutsche Bank Jason Haas – Wells Fargo Ashish Sabadra – RBC Capital Markets Tom Roesch – William Blair Manav Patnaik – B ...

For the quarter ended March 2025, TransUnion (TRU) reported revenue of $1.1 billion, up 7.3% over the same period last year. EPS came in at $1.05, compared to $0.92 in the year-ago quarter. Here is how TransUnion performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts: View all Key Company Metrics for TransUnion here>>> Shares of TransUnion have returned -9.9% over the past month versus the Zacks S&P 500 composite's -5.1% change. The stock c ...

Core Insights - TransUnion (TRU) reported quarterly earnings of $1.05 per share, exceeding the Zacks Consensus Estimate of $0.98 per share, and showing an increase from $0.92 per share a year ago, resulting in an earnings surprise of 7.14% [1] - The company achieved revenues of $1.1 billion for the quarter ended March 2025, surpassing the Zacks Consensus Estimate by 2.46%, and up from $1.02 billion year-over-year [2] Earnings Performance - Over the last four quarters, TransUnion has consistently surpassed consensus EPS estimates, achieving this four times [2] - The company also topped consensus revenue estimates in each of the last four quarters [2] Stock Performance - TransUnion shares have declined approximately 16.7% since the beginning of the year, compared to a decline of 8.6% in the S&P 500 [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the market in the near future [6] Future Outlook - The current consensus EPS estimate for the upcoming quarter is $1.03 on revenues of $1.1 billion, while for the current fiscal year, the estimate is $4.07 on revenues of $4.39 billion [7] - The outlook for the Business - Information Services industry, where TransUnion operates, is favorable, ranking in the top 38% of over 250 Zacks industries [8]

Exhibit 99.1 News Release TransUnion Announces First Quarter 2025 Results CHICAGO, April 24, 2025 – TransUnion (NYSE: TRU) (the "Company") today announced financial results for the quarter ended March 31, 2025. First Quarter 2025 Results Revenue: • Total revenue for the quarter was $1,096 million, an increase of 7 percent (8 percent on a constant currency basis), compared with the first quarter of 2024. Earnings: "In the first quarter, TransUnion delivered strong results that again exceeded financial guidan ...

Core Insights - WM is set to release its first-quarter 2025 results on April 28, with a history of earnings surprises, having beaten the Zacks Consensus Estimate in two of the last four quarters, with an average beat of 3.9% [1] Revenue Expectations - The Zacks Consensus Estimate for total revenues is $6.1 billion, indicating an 18.4% increase from the same quarter last year [1] - Collection revenues are expected to reach $4.7 billion, reflecting a 15.3% year-over-year growth [2] - Landfill revenues are projected at $1.4 billion, suggesting a 19.4% increase compared to the previous year [2] - The Transfer segment is estimated to generate $681.4 million, indicating a 21.7% rise year-over-year [2] - Recycling Processing and Sales revenues are anticipated to be $526.3 million, representing a 20.7% increase from the prior year [3] - WM Renewable Energy is expected to contribute $89 million, marking a 27.2% year-over-year growth [3] - WM Healthcare Solutions revenues are estimated at $107.6 million [3] EBITDA and Operational Efficiency - Adjusted EBITDA is projected to be $1.8 billion, suggesting a 21% growth from the same quarter last year [4] - Factors contributing to improved operational efficiency include cost optimization, shedding of low-margin residential business, and lower fuel costs in Collection and Disposal [4] Earnings Per Share (EPS) Expectations - The consensus estimate for earnings per share is $1.68, indicating a 5.1% decline from the year-ago quarter [5] - Strong margins driven by robust top-line growth and a disciplined cost strategy are expected to enhance the bottom line [5] Earnings Prediction Model - The model predicts an earnings beat for WM, supported by a positive Earnings ESP of +0.83% and a Zacks Rank of 3 (Hold) [6]

Core Insights - Affirm will start reporting all pay-over-time loans to TransUnion from May 1, including Pay in 4 and longer-term monthly installments [1] - Transactions will be visible on consumers' TransUnion credit files but will not affect traditional credit scores; future credit scoring models may incorporate this data [2] - Affirm's initiative aims to make its financial products more mainstream, with 53% of non-BNPL users likely to consider using it if it could improve their credit scores [3] Industry Impact - Affirm's loan reporting to TransUnion is seen as a significant milestone for the BNPL industry, allowing millions of consumers to receive credit for their payment behavior [4] - The company has also begun furnishing information to Experian, expanding its credit reporting to include pay-over-time products [5] - The evolution of BNPL into a trusted service is emphasized by Affirm's CEO, highlighting the control consumers have over their payment schedules [5]

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CHICAGO, April 10, 2025 (GLOBE NEWSWIRE) -- One year ago, TransUnion (NYSE:TRU) introduced its transformative OneTru™ solution enablement platform for managing, governing, analyzing and delivering data, identity and insights. Today, OneTru delivers on its promises, accelerating and expanding the pace and breadth of the company's innovation. Over the course of 2024 and early 2025, OneTru capabilities have powered several of TransUnion's B2B product lines: TransUnion's alternative lending bureau is now enable ...

Solution enablement platform strengthens analytics, credit risk, fraud prevention and marketing offeringsCHICAGO, April 10, 2025 (GLOBE NEWSWIRE) -- One year ago, TransUnion (NYSE: TRU) introduced its transformative OneTru™ solution enablement platform for managing, governing, analyzing and delivering data, identity and insights. Today, OneTru delivers on its promises, accelerating and expanding the pace and breadth of the company’s innovation. Over the course of 2024 and early 2025, OneTru capabilities hav ...