TRU · 10-Q · 2026Q1

TransUnion

Filed 2026-04-28 · Other

Ranked Events

• Mergers and Acquisitions AdjustmentsImportance 96 · Surprise 100
  Adjustments for mergers and acquisitions, divestitures and business optimization totaled $(232.3) million in Q1 2026 versus $17.9 million in Q1 2025, driven largely by fair value and impairment adjustments including…
• Trans Union de Mexico AcquisitionImportance 92 · Surprise 100
  TransUnion completed the acquisition of Trans Union de Mexico (March 2026), which materially increased cash used in investing activities and was funded in part with borrowings under the Senior Secured Revolving Credit…
• Outstanding Indebtedness and HedgesImportance 76 · Surprise 24
  As of the trailing twelve months ended March 31, 2026, total debt reported was $5,607.4 million and net debt was $4,874.9 million, producing a leverage ratio (net debt / Leverage Ratio Adjusted EBITDA) of 2.8.…
• International Revenue / Geographic CommentaryImportance 74 · Surprise 58
  International gross revenue was $274.0 million in Q1 2026, up $31.8 million, or 13.1%, versus Q1 2025, with acquisitions (Trans Union de Mexico and Monevo) contributing about 9.6 percentage points of the increase.…
• Legal and Regulatory Expenses (Net other)Importance 71 · Surprise 82
  Net other adjustments included a material legal and regulatory expense of $(56.0) million in the three months ended March 31, 2025, which did not recur in the three months ended March 31, 2026 (net other was $1.6…
• Regulatory Risk (CFPB matter)Importance 69 · Surprise 82
  TransUnion reports that on February 28, 2025 the CFPB, Trans Union LLC, TransUnion Interactive, Inc. and a former executive filed a joint stipulation to voluntarily dismiss the lawsuit related to the 2017 Consent…
• Revenue Performance and MixImportance 69 · Surprise 64
  For the three months ended March 31, 2026, TransUnion reported total revenue of $1,245.7 million versus $1,095.7 million in Q1 2025 (up $149.9 million, 13.7%). Operating income was $244.8 million in Q1 2026, down $9.6…
• Selling, General and Administrative TrendsImportance 67 · Surprise 66
  SG&A expenses increased $72.2 million in Q1 2026 versus Q1 2025, rising to $329.1 million (a 28.1% increase). The increase was driven primarily by the absence in 2026 of a $56.0 million accrual reduction that occurred…
• Transformation Plan / Tech MigrationImportance 66 · Surprise 42
  TransUnion completed its transformation plan as of the end of 2025, which included optimizing the operating model, transitioning certain job responsibilities to its global capability centers (GCCs), and reducing…
• Effect of Certain Debt CovenantsImportance 64 · Surprise 24
  TransUnion’s Senior Secured Credit Facility contains customary restrictions and nonfinancial covenants, including a senior secured net leverage ratio test and limits on dividends, investments, dispositions and future…
• Liquidity and Cash PositionImportance 62 · Surprise 40
  TransUnion reports principal sources of liquidity as operating cash flow, cash and cash equivalents, and its Senior Secured Revolving Credit Facility; cash and cash equivalents totaled $732.5 million at March 31, 2026…
• Operating Cash Flow Trends and SourcesImportance 61 · Surprise 56
  Cash provided by operating activities was $84.2 million for the three months ended March 31, 2026, up $31.7 million versus $52.5 million in Q1 2025, driven primarily by improved operating performance. Cash used in…
• Financial Services Vertical GrowthImportance 59 · Surprise 48
  U.S. Financial Services revenue increased $96.9 million, or 24.0%, in Q1 2026 versus Q1 2025, with the majority of growth coming from the Mortgage line of business driven by higher price and volume. Other Financial…
• Income Tax Rate ChangesImportance 57 · Surprise 50
  The adjusted effective tax rate was 25.0% for the three months ended March 31, 2026 compared with 25.8% for the same period in 2025. The adjusted provision for income taxes was $(77.9) million in Q1 2026 versus $(73.7)…
• U.S. Markets PerformanceImportance 54 · Surprise 40
  U.S. Markets gross revenue was $975.1 million in Q1 2026, up $118.5 million, or 13.8%, versus Q1 2025. All three verticals increased: Financial Services (+$96.9 million, +24.0%), Emerging Verticals (+$19.8 million,…
• Adjusted Net Income and EPSImportance 47 · Surprise 22
  Adjusted Net Income for the three months ended March 31, 2026 was $230.2 million, up $22.5 million or 10.9% from $207.6 million in Q1 2025. Adjusted diluted earnings per share were $1.18 in Q1 2026 versus $1.05 in Q1…
• Acquisition — MonevoImportance 47 · Surprise 60
  On April 1, 2025 TransUnion acquired the remaining 70% of Monevo (previously owning 30%), securing control via a step acquisition. Monevo’s results subsequent to acquisition are immaterial for the three months ended…
• Products and TechnologyImportance 46 · Surprise 42
  TransUnion is incurring accelerated technology investment costs to migrate applications and customer data to a new enterprise cloud platform, organized into three components: foundational capabilities (API-based,…
• Capital Return ProgramImportance 41 · Surprise 22
  TransUnion paid dividends of $0.125 per share totaling $25.0 million in the first quarter and reported continuing intent to pay quarterly dividends subject to Board discretion and covenant/ liquidity constraints. The…
• Interest Income DeclineImportance 38 · Surprise 58
  Interest income decreased $1.4 million, or 16.2%, in Q1 2026 versus Q1 2025. The filing attributes the decline primarily to the settlement of a note receivable in October 2025. The decrease in interest income partially…

Revenue by Product (in millions)

Revenue by Geography (in millions)