TransUnion (TRU) Earnings Date & Reports

Key Takeaways

• TransUnion reported third-quarter 2026 revenue of $1.312 billion, up 12.2% year over year and in line with Wall Street consensus estimates.
• Adjusted diluted earnings per share (EPS, or profit per share) came in at $1.25, up 14% year over year and ahead of the $1.21 consensus estimate.
• Adjusted EBITDA (earnings before interest, taxes, depreciation, and amortization) reached $464.8 million, a 35.4% margin, slightly above expectations.
• International revenue returned to double-digit growth, rising 10% on an organic constant-currency basis, led by 18% growth in both India and Latin America.
• Management raised full-year 2026 adjusted diluted EPS guidance to $4.81 to $4.88 and increased the share repurchase authorization by $1 billion to $2 billion.
• The company raised its quarterly dividend to $0.135 per share, up from $0.125.
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Earnings Context and Why It Matters

TransUnion is one of the three major U.S. consumer credit bureaus, making its quarterly results a closely watched barometer of consumer credit demand, mortgage activity, and lending conditions across the economy. The third quarter of 2026 unfolded against a backdrop of rising interest rates, with the 10-year Treasury yield near 5% and the 30-year mortgage rate above 7%, pressures that have slowed mortgage originations. Within that environment, TransUnion's ability to grow revenue and earnings hinges on its diversification beyond traditional credit into insurance, fraud, and marketing solutions, as well as on momentum in faster-growing international markets such as India and Latin America. Investors looked to this report for evidence that these growth drivers can offset a softer U.S. mortgage market.

Reported Results

TransUnion reported third-quarter 2026 revenue of $1.312 billion, a 12.2% increase from $1.169 billion a year earlier, matching analysts' consensus of $1.31 billion. Organic constant-currency revenue growth was 8%, or approximately 5.5% excluding FICO mortgage royalties (fees paid to Fair Isaac Corporation for credit scoring models used in mortgage reports).

Adjusted diluted EPS was $1.25, up 14% year over year and ahead of the $1.21 consensus, while adjusted EBITDA was $464.8 million, a 35.4% margin that came in slightly above expectations. On a GAAP (generally accepted accounting principles) basis, net income attributable to TransUnion was $156.2 million, or $0.81 per share, up from $96.6 million, or $0.49 per share, a year earlier.

U.S. Markets revenue grew 7% to $977 million, led by an 11% increase in financial services, while insurance delivered another quarter of double-digit growth. International revenue rose 10% organically to $339 million, with India and Latin America each growing 18%. Management raised full-year adjusted diluted EPS guidance to $4.81 to $4.88 and provided fourth-quarter revenue guidance of $1.264 billion to $1.294 billion.

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Market Reaction and Investor Sentiment

Shares of TransUnion were little changed in early trading following the release, as the EPS beat was tempered by fourth-quarter revenue guidance that landed modestly below consensus. The company's outlook calls for revenue of $1.264 billion to $1.294 billion in the fourth quarter, a midpoint below analysts' expectations of roughly $1.30 billion. Management attributed the softer near-term view to rising interest rates and an expected decline of more than 20% in mortgage inquiries during the fourth quarter. Investor sentiment was also shaped by the company's raised full-year adjusted EPS guidance, an increased dividend, and a larger buyback authorization, which signal confidence in long-term cash flow generation even as mortgage activity remains pressured.

Forward Outlook and Key Factors to Monitor

Following this report, investors should watch how TransUnion navigates a rising-rate environment in the U.S., where mortgage inquiries are expected to decline sharply in the fourth quarter. Management has signaled that the 30-year mortgage rate above 7% is weighing on home affordability and borrowing costs, while the 10-year Treasury yield near 5% adds further pressure.

Beyond mortgage, the insurance vertical remains a key growth engine. TransUnion expects insurance revenue to exceed $430 million in 2026, supported by recurring policy renewals and gains in non-core credit products such as driving history and fraud solutions. The company has also pointed to a sizeable backlog of awarded contracts that is expected to ramp over the next two to three years.

International momentum will be another area to monitor. India and Latin America each grew 18% in the quarter, and the company plans to extend its OneTru platform migration to Canada, India, and the U.K. in 2027. Higher interest expenses are also a watch item: management expects net interest expense to rise by approximately $60 million in 2027 due to a higher SOFR (Secured Overnight Financing Rate) forecast and the replacement of an expiring interest-rate swap. How these factors balance against share repurchases and continued diversification will shape the trajectory of earnings in the coming quarters.

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