TransUnion (TRU) investor relations material

Strategic transformation and innovation

• Completed a four-year transformation, shifting from siloed, multi-domestic operations to a unified global platform model, enabling scalable innovation and operational efficiency.

• Launched OneTru, a global AI-enabled cloud platform, and TrueOps, a unified operational platform, to standardize processes and accelerate product rollout across geographies.

• Since 2022, transformation initiatives expanded scope across solutions, geographies, and data, enabling accelerated performance and innovation velocity through proprietary data and AI integration.

• Investments in organization, technology, and operations standardized and modernized platforms, driving global leverage, functional excellence, and cost savings.

• Global Capability Centers now employ 41% of associates, powering innovation and delivering critical functions worldwide.

Product and platform advancements

• OneTru platform operationalizes the full data-to-action lifecycle, offering composable, multi-cloud deployment and embedded AI for analytics, identity, and decisioning.

• TruIQ suite enables clients to access, enrich, and analyze data in their own cloud environments, accelerating time-to-market and enabling self-service analytics.

• Proprietary identity graph links billions of signals monthly, providing industry-leading accuracy and configurability for use cases in credit, marketing, and fraud.

• AI-powered agents, such as the Analytics Orchestrator, automate model development and workflow, reducing data scientist effort by 75% and enabling faster, explainable insights.

• Embedded AI drives both internal productivity (25-30% lift in engineering, 20% in consumer dispute resolution) and external product innovation (e.g., TruValidate fraud platform, custom audience creation, and rapid model deployment).

Financial performance and guidance

• Achieved high single-digit organic revenue growth and mid-teens EPS growth in 2024-2025, despite subdued lending volumes.

• Medium-term framework targets high-single-digit organic revenue growth, ~50bps annual adjusted EBITDA margin expansion, and low-to-mid teens adjusted diluted EPS growth.

• Delivered $200M in free cash flow benefit from transformation, with $3B in free cash flow expected from 2026-2028 and 90%+ conversion.

• Margin expansion is driven by revenue growth, technology modernization, and AI-driven productivity, with additional structural savings from scaling platforms.

• $500M incremental innovation revenue targeted over three years, with 70+ new products and enhancements planned for 2026.