TransUnion (TRU) investor relations material

Business overview and differentiation

• Operates in over 30 countries, with 80% of revenue from the U.S. and significant presence in India and Mexico.

• U.S. revenue is about 65% credit-related, with the remainder from marketing and fraud services.

• Expands into emerging verticals like insurance, tech, retail, e-commerce, public sector, and employment by combining credit, fraud, and marketing products.

• Recent acquisitions include the largest credit bureaus in India and Mexico, enhancing growth potential.

Technology and platform strategy

• OneTru platform, acquired via Neustar, consolidates all data assets and enables faster, compliant product delivery.

• Migration to cloud infrastructure (AWS, Google Cloud) replaces physical data centers, improving efficiency and security.

• U.S. migration to OneTru to complete by end of 2026, with Canada, U.K., and Philippines following by 2027, covering 90% of revenue.

• Platform is AI-enabled, supporting innovation and regulatory customization across markets.

Data assets and competitive moat

• Maintains a vast, regulated credit data network sourced from tens of thousands of lenders globally.

• Proprietary data includes short-term lending, credit card transactions, device-based fraud, and caller ID signals.

• Builds comprehensive consumer identity graphs by integrating credit and non-credit data, including third-party sources.

• Data flywheel effect strengthens offerings as product usage generates additional insights.