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TransUnion (TRU)
NYSE:TRU
Earnings Data
Report Date
Apr 28, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
1.1Last Year’s EPS
1.05Same Quarter Last Year
Moderate Buy
Based on 14 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented a clearly positive operational and financial story: TransUnion delivered strong Q4 and full-year results, exceeded guidance, completed a multi-year transformation, returned capital to shareholders, and provided conservative but healthy guidance for 2026 backed by product momentum (OneTru, TruIQ, Trusted Call Solutions) and margin improvement ex-FICO. The main headwinds are concentrated in international/India market softness, mortgage volume uncertainty and near-term margin seasonality (partly driven by no-profit FICO royalties). On balance, the highlights—robust U.S. growth, improved operating leverage, completed cost-savings program, strong free cash flow and shareholder returns, and multi-product momentum—outweigh the regional and timing challenges.Company Guidance
Strong Q4 and Full-Year Revenue Growth
Consolidated revenue increased 13% reported and 12% organic constant currency in Q4; U.S. markets grew 16% organic CC. Company delivered a second straight year of high single-digit organic revenue growth (ex-FICO) for 2025 and exceeded initial guidance by $183 million on revenue for the year.
Profitability and EPS Outperformance
Adjusted EBITDA increased 10% in Q4 with an adjusted EBITDA margin of 35.6%. Adjusted diluted EPS was $1.07 in Q4 (up 10% year-over-year) and grew ~14% excluding the tax-rate reset impact. Full-year 2025 adjusted diluted EPS growth was double-digit (mid-teens excluding tax impact).
Disciplined Capital Return and Liquidity
Repurchased approximately $150 million of shares in Q4 and ~$300 million in 2025; raised quarterly dividend 9% to $0.125/share. Ended Q4 with $854 million cash and $5.1 billion debt; leverage ratio improved to 2.6x and management targeting <2.5x.
Successful Completion of Transformation Program
Transformation investment program completed on schedule and within the $355M–$375M budget; delivered ~$200 million of free cash flow savings (including ~$130 million opex savings). CapEx reduced to ~7% of revenue in 2025 and expected ~6% starting 2026. No further one-time spend expected related to the program.
Product & Platform Progress
Launched over 30 major product enhancements/new products in 2025 and migrated 100+ U.S. credit customers to OneTru. Deployed TruIQ analytics to India, Canada and the U.K. and integrated additional identity/public records into OneTru, supporting faster innovation and go-to-market.
Robust U.S. Vertical Performance
U.S. Financial Services grew 19% (11% excluding mortgage); Consumer lending grew 21%; Auto grew 12%; Emerging Verticals accelerated to 16% in Q4 (up from 7% in Q3). Marketing and fraud solutions grew 15% and 14% respectively—best growth since Neustar acquisition.
Key Solution Wins and Momentum
Trusted Call Solutions grew over 30% YoY to $160 million in 2025 and is expected to exceed $200 million in 2026. Monevo acquisition completed; announced agreement to acquire majority ownership of TransUnion de Mexico (expected purchase price ~USD 660 million).
Conservative but Strong 2026 Guidance
Full-year 2026 guidance: organic constant currency revenue growth 8%–9% (5%–6% excluding FICO mortgage royalties), adjusted EBITDA growth 7%–8%, and adjusted diluted EPS growth 8%–10% (guidance reflects continued operating leverage and 70 bps margin expansion ex-FICO at the high end).
TRU Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
TRU Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 12, 2026 | $71.66 | $70.69 | -1.35% |
Oct 23, 2025 | $80.42 | $83.22 | +3.48% |
Jul 24, 2025 | $94.15 | $97.99 | +4.08% |
Apr 24, 2025 | $76.81 | $81.99 | +6.74% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does TransUnion (TRU) report earnings?
TransUnion (TRU) is schdueled to report earning on Apr 28, 2026, Before Open (Confirmed).
What is TransUnion (TRU) earnings time?
TransUnion (TRU) earnings time is at Apr 28, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is TRU EPS forecast?
TRU EPS forecast for the fiscal quarter 2026 (Q1) is 1.1.