TransUnion (NYSE:TRU) Q4 2025 Earnings call February 12, 2026 09:30 AM ET Speaker10Good morning, and welcome to the TransUnion 2025 fourth quarter earnings conference call. All participants will be in a listen-only mode for the duration of the call, and should you need any assistance, please signal a conference specialist by pressing the star key followed by zero on your telephone keypad. After today's presentation, there will be an opportunity to ask questions. To ask a question, you may press star, then o ...

Fourth Quarter 2025 Earnings February 12, 2026 Chris Cartwright, President and CEO Todd Cello, CFO This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements are based on the current beliefs and expectations of TransUnion's management and are subject to significant risks and uncertainties. Actual results may differ materially from those described in the forward-looking statements. Factors that could cause TransUnion's ac ...

Is TransUnion's Q4 Earnings Beat Good Enough to Trigger a Rebound? - 24/7 Wall St.[S&P 5006,968.80 +0.26%][Dow Jones50,281.50 +0.28%][Nasdaq 10025,312.20 +0.37%][Russell 20002,692.15 +0.72%][FTSE 10010,471.40 -0.47%][Nikkei 22557,724.20 -0.83%][Stock Market Live February 12, 2026: S&P 500 (SPY) Could See Higher Highs][Investing]# Is TransUnion's Q4 Earnings Beat Good Enough to Trigger a Rebound?### Quick ReadTransUnion (TRU) beat Q4 estimates with $1.17B revenue and $1.07 EPS. Net income surged 53% year ove ...

TransUnion (TRU) came out with quarterly earnings of $1.07 per share, beating the Zacks Consensus Estimate of $1.03 per share. This compares to earnings of $0.97 per share a year ago. These figures are adjusted for non- recurring items. This quarterly report represents an earnings surprise of +4.05%. A quarter ago, it was expected that this credit reporting company would post earnings of $1.04 per share when it actually produced earnings of $1.1, delivering a surprise of +5.77%. Over the last four quarters, ...

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Core Insights - TransUnion reported strong financial results for Q4 and full-year 2025, exceeding financial guidance with a revenue growth of 13% for the quarter and 9% for the year [2][4][9]. Financial Performance - Q4 2025 total revenue was $1,171 million, a 13% increase compared to Q4 2024 [2]. - Full-year 2025 revenue reached $4,576 million, reflecting a 9% increase from 2024 [9]. - Adjusted EBITDA for Q4 2025 was $417 million, a 10% increase from the same quarter in 2024 [7]. - Net income attributable to TransUnion for Q4 2025 was $101 million, up from $66 million in Q4 2024, with diluted earnings per share increasing to $0.52 from $0.34 [7][29]. Segment Performance - U.S. Markets revenue totaled $918.9 million in Q4 2025, growing 16% year-over-year, driven by Financial Services (19% growth) and Emerging Verticals (16% growth) [5][8]. - International revenue was $255.9 million, a 4% increase, with notable growth in the United Kingdom (22%) and Canada (13%), while Latin America and India experienced declines [8]. Shareholder Returns and Capital Management - The company repurchased approximately $150 million of shares in Q4 2025, totaling $300 million for the year [6]. - TransUnion raised its quarterly dividend to $0.125 per share from $0.115, effective Q4 2025 [6][13]. 2026 Outlook - The company anticipates revenue growth of 8% to 9% and adjusted diluted EPS growth of 8% to 10% for 2026, supported by stable trends and innovation [4][15]. - Initial guidance for Q1 2026 includes revenue expectations between $1,195 million and $1,205 million, reflecting a growth rate of 9% to 10% [16].

Revenue Performance - Total revenue for Q4 2025 was $1,171 million, a 13% increase compared to Q4 2024[4] - Full-year 2025 revenue reached $4,576 million, a 9% increase compared to 2024[10] - Total revenue for the year ended December 31, 2025, was $4,576.3 million, an increase of 9.4% from $4,183.8 million in 2024[30] - Total gross revenue for the year 2025 reached $4,589.7 million, representing a 9.7% increase from $4,196.3 million in 2024[52] - U.S. Markets gross revenue increased to $918.9 million in Q4 2025, up 15.9% from $792.0 million in Q4 2024[52] Profitability Metrics - Adjusted EBITDA for Q4 2025 was $417 million, a 10% increase compared to Q4 2024, with an adjusted EBITDA margin of 35.6%[8] - Operating income for the year ended December 31, 2025, was $857.8 million, up 28.7% from $666.7 million in 2024[30] - Net income attributable to TransUnion for Q4 2025 was $101 million, compared to $66 million in Q4 2024, with diluted earnings per share of $0.52[8] - Net income attributable to TransUnion for the year ended December 31, 2025, was $455.4 million, representing a 60.1% increase from $284.4 million in 2024[30] - Adjusted net income for the year 2025 was $845.7 million, compared to $768.8 million in 2024, reflecting a 10% increase[56] Cash and Liquidity - Cash and cash equivalents were $854 million at the end of 2025, up from $679 million at the end of 2024[12] - Cash provided by operating activities for the year ended December 31, 2025, was $987.6 million, an increase from $832.5 million in 2024[32] - The company’s cash and cash equivalents increased to $853.6 million as of December 31, 2025, from $679.5 million in 2024[32] Debt and Capital Structure - The company repurchased approximately $150 million of shares in Q4 2025, totaling $300 million for the year[7] - Total debt as of December 31, 2025, was $5,103.8 million, slightly decreased from $5,147.2 million in 2024[62] - The company’s long-term debt as of December 31, 2025, was $4,906.9 million, a decrease from $5,076.6 million in 2024[28] - The Leverage Ratio improved to 2.6 in 2025 from 3.0 in 2024, indicating a stronger financial position[62] Future Guidance - For 2026, the company expects revenue growth of 8% to 9% and adjusted diluted EPS growth of 8% to 10%[6] - Net income attributable to TransUnion for 2026 is guided to be between $538 million and $553 million, with a margin of 10.9% to 11.1%[68] - Diluted earnings per share for 2026 is expected to be between $2.75 and $2.83, with adjusted diluted earnings per share projected at $4.63 to $4.71[68] Technology and Innovation - The company plans to share updates on technology modernization and product innovation at the Investor Day on March 10, 2026[6] - The accelerated technology investment, including Project Rise, is expected to enhance cloud-based technology and streamline product delivery platforms, with completion anticipated by 2024[40] - The company invested $19.1 million in accelerated technology initiatives in Q4 2025, down from $25.6 million in Q4 2024[53] Tax and Regulatory - Adjusted Provision for Income Taxes for the year 2025 was $(309.9) million, compared to $(247.6) million in 2024, reflecting an increase in tax adjustments[59] - The effective tax rate for 2025 was 26.9%, an increase from 24.6% in 2024[59] Other Financial Metrics - Basic earnings per share for the year ended December 31, 2025, was $2.34, compared to $1.46 in 2024, reflecting a 60.3% increase[30] - Total accelerated technology investment for 2025 is $84.5 million, slightly up from $84.2 million in 2024[64] - Total depreciation and amortization for 2025 reached $574.8 million, an increase from $537.8 million in 2024[66]

TransUnion’s latest quarterly report finds regular insurance shopping the new normalCHICAGO, Feb. 10, 2026 (GLOBE NEWSWIRE) -- Insurance shopping is now a routine activity for consumers rather than a rare event prompted by a car or home purchase. TransUnion (NYSE: TRU) analysts drew this conclusion after tracking three years of steadily increasing insurance shopping rates in the quarterly Insurance Personal Lines Trends and Perspectives Report. Most recently, 2025 fourth quarter data showed that elevated sh ...

Key Takeaways ROL is expected to post Q4 EPS of 27 cents, with revenues projected to grow 10.8%.ROL's Residential, Commercial and Termite revenues are expected to grow in double digits year over year.ROL's results may reflect digital tools, recent acquisitions and CPI-plus pricing to offset inflation.Rollins, Inc. (ROL) is set to report its fourth-quarter 2025 results on Feb. 11, after the bell.The company’s earnings surprise history has been impressive. It surpassed the Zacks Consensus Estimate in two of t ...