TRU · Full Picture

TransUnion — the full picture

Earnings window · 2026-04-07 to 2026-07-25 · anchored on the 10-Q report

One earnings window, everything merged: the filing, the call, press releases and news digests, folded into ranked threads.

What to look at first

  1. Mergers and Acquisitions Adjustments · M&A and divestituresPriority 73
    -37.9% net_income (realized)
    Mergers and acquisitions, divestitures and business optimization adjustments totaled $(232.3) million for the three months ended March 31, 2026 compared with $17.9 million for the prior-year period.
  2. Trans Union de Mexico Acquisition · M&A and divestituresPriority 71
    +18.1% net_income (realized)
    After the March 2, 2026 transaction, TransUnion’s total equity interest in Trans Union de Mexico is approximately 94%, representing a controlling financial interest and resulting in consolidation.
  3. Adjusted Net Income and EPS · Operating income & profitabilityPriority 70
    +21.7% net_income (realized)
    Net income attributable to TransUnion was $397.1 million for the three months ended March 31, 2026 compared with $148.1 million for the three months ended March 31, 2025.
  4. Consolidated Adjusted EBITDA · Operating income & profitabilityPriority 69
    +17.4% margin (realized)
    EBITDA (net income attributable to TransUnion plus net interest expense, provision for income taxes, and depreciation and amortization) was $631.9 million for the three months ended March 31, 2026 compared with $375.5 million for the three months ended March 31, 2025.
  5. Revenue Performance and Mix · Revenue growth & mixPriority 66
    +12.0% revenue (realized)
    Total revenue increased $149.9 million, or 13.7%, to $1,245.7 million for the three months ended March 31, 2026 compared with $1,095.7 million for the same period in 2025 (reported in the MD&A results table).
  6. Capital Return Program · Buybacks & dividendsPriority 61
    -4.8% cash; 1 forward row(s)
    As of March 31, 2026, $688.1 million remained available for repurchases under the 2025 Repurchase Plan.
  7. International Revenue / Geographic Commentary · Geographic mixPriority 58
    qualitative only
    $594.9 million of cash and cash equivalents was held outside the United States as of March 31, 2026
  8. Outstanding Indebtedness and Hedges · Debt, leverage & refinancingPriority 56
    qualitative only
    During the second quarter of 2025 TransUnion entered into interest rate swap agreements that commenced June 30, 2025 and expire December 31, 2027 with an aggregate current notional amount of $1,232.1 million that amortizes each quarter.
  9. Cost of Services / Supply Chain Costs · Supply chain & operationsPriority 55
    -5.7% operating_income (realized)
    The cost of services increase included an approximate $81.0 million increase in product and fulfillment costs due primarily to increased product cost pricing in U.S. Markets and increased volume in both segments.
  10. Selling, General and Administrative Trends · Operating expenses (SG&A)Priority 55
    -5.8% operating_income (realized)
    The increase in selling, general and administrative for the three months ended March 31, 2026 was due primarily to a $56.0 million reduction of an accrual for a lawsuit that was dismissed in the first quarter of 2025.
  11. Income Tax Rate Changes · TaxPriority 51
    qualitative only
    TransUnion’s effective tax rates were 6.5% for the three months ended March 31, 2026 and 21.2% for the three months ended March 31, 2025.
  12. Liquidity and Cash Position · Liquidity & cash positionPriority 51
    -3.5% cash (realized)
    Cash used in investing activities increased by $500.1 million for the three months ended March 31, 2026 compared with the same period in 2025

Threads by pillar

Revenue & Demand Priority 80 · 4 threads

Costs & Margins Priority 87 · 5 threads

Capital & Balance Sheet Priority 86 · 8 threads

Strategy & Portfolio Priority 85 · 4 threads

Legal, Regulatory & Policy Priority 57 · 3 threads

Macro & Market Conditions Priority 47 · 3 threads

Unclassified Priority 57 · 2 threads

Expected impact by metric

metricforward netforward grossrealized
cash-4.8%+4.8%-8.9%
net_income——+0.3%
operating_income——-22.6%
revenue——+12.0%
margin——+17.4%