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TransUnion (TRU) investor relations material
TransUnion Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Achieved 8% year-over-year revenue growth in Q3 2025, with 11% organic constant currency growth excluding the prior-year breach remediation win.
Net income attributable to shareholders rose to $97 million, up 41.9% year-over-year, and diluted EPS increased to $0.49 from $0.35.
Adjusted EBITDA grew 8% to $425 million, maintaining a 36.3% margin.
Raised 2025 guidance across all metrics, reflecting strong Q3 results, stable U.S. lending trends, and new business wins.
Accelerated share repurchases, totaling $200 million year-to-date, and increased authorization to $1 billion.
Financial highlights
Q3 2025 revenue: $1.17 billion, up 8% year-over-year; nine months: $3.41 billion, up 8.2%.
Adjusted EBITDA: $425 million for Q3, up 8% year-over-year; margin at 36.3%.
Adjusted diluted EPS: $1.10 for Q3, up 5.7% year-over-year; $3.23 for nine months, up 10%.
Net income margin improved to 8.3% from 6.3% year-over-year.
U.S. Markets revenue up 7.6% in Q3, led by Financial Services (+19%) and Emerging Verticals (+7.5%), while Consumer Interactive declined 17%.
Outlook and guidance
Raised full-year 2025 organic constant currency revenue growth guidance to 8–8.5%, with revenue expected between $4.524–$4.544 billion.
Q4 2025 revenue expected between $1.119–$1.139 billion, up 7–9% organic constant currency.
Full-year Adjusted EBITDA guidance: $1.622–$1.637 billion, margin of 35.9–36.0%.
Adjusted diluted EPS for 2025 guided at $4.19–$4.25, up 7–9%.
2026 expected to deliver $35 million in operating expense savings and reduce capex to 6% of revenue, driving margin expansion.
Consumer Interactive's continued revenue decline?
Share repurchase strategy and capital allocation
Accelerated technology investment progress?
Mortgage strategy: 2026 profit impact?
AI's timeline for revenue and margin impact?
India growth trajectory amid tariff issues?
Detail the 2026 financial impact of VantageScore adoption
When will AI benefits be visible in revenue/margins?
What is the path to India's high-teens growth?
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Next TransUnion earnings date
Q4 202512 Feb, 2026
Next TransUnion earnings date
Q4 202512 Feb, 2026
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Frequently asked questions
TransUnion provides risk and information solutions to businesses and individuals to help identify and manage credit, identity, and other types of risk. The company operates in three segments: U.S. Markets, International, and Consumer Interactive. The U.S. Markets segment delivers core credit reporting services, as well as information solutions that enable professionals to manage risk across their business operations. The International segment offers information solutions that enable professionals to manage risk across their business operations globally, particularly in emerging markets such as India. The company is based in Chicago, Illinois.
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