TransUnion(US:TRU)2025-02-13 15:32Financial Performance Highlights - Fourth quarter 2024 revenue reached $1037 million, a 9% year-over-year increase[45] - Organic constant currency revenue grew by 9%, or 4% excluding mortgage contributions[7, 45] - Adjusted EBITDA for Q4 2024 was $378 million, up 16% year-over-year, with a margin of 365%, a 230bps expansion[45] - Adjusted Diluted EPS increased by 21% to $097[45] Strategic Priorities and Outlook for 2025 - The company anticipates organic constant currency revenue growth of 45% to 6% for 2025[17] - Adjusted EBITDA is projected to grow by 3% to 6% in 2025, facing an approximate 100bps headwind from foreign exchange[17] - Adjusted Diluted EPS is expected to increase by 1% to 4%, with an approximate 600bps headwind from foreign exchange and a higher tax rate[18] - The company projects revenue for Trusted Call Solutions to reach $150 million in 2025, compared to $115 million in 2024 and $80 million in 2023[35] Business Segment Performance - U S Markets revenue increased by 8% to $792 million in Q4 2024, driven by Financial Services and Insurance[7, 46] - Financial Services revenue in the U S grew by 21%, or 7% excluding mortgage contributions[46] - International revenue grew by 12% on an organic constant currency basis[7, 47] - Consumer Interactive revenue decreased by 11% due to a strong breach win in Q4 2023[46] Capital Allocation and Debt Management - The company prepaid $45 million in debt during Q4 2024 and $150 million throughout the year[7, 57] - The company is targeting a leverage ratio of less than 25x[80] - A new $500 million share repurchase program has been authorized by the board[80]