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TransUnion (TRU) investor relations material
TransUnion J.P. Morgan 2025 Ultimate Services Investor Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.J.P. Morgan 2025 Ultimate Services Investor Conference summary18 Nov, 2025
Strategic growth outlook
High single-digit organic revenue growth and double-digit EPS growth are targeted, supported by a resilient portfolio and consistent performance since 2015, except during COVID and the 2022-2023 lending recession.
Investments in product rejuvenation, platform innovation, and structural cost savings, including the OneTrue platform, are driving efficiency and scalability.
Migration to the new platform in 2026 will enable cost reductions and margin improvements, with further international rollouts planned for markets like the UK, Canada, and the Philippines.
Free cash flow conversion is expected to exceed 90% next year, supporting aggressive share buybacks, debt retirement, and potential refinancing.
Market and product performance
U.S. consumer credit activity is stable with volume improvements, and no deterioration is seen in subprime or superprime segments.
Double-digit non-mortgage revenue growth in U.S. financial services is driven by both market volume and share gains, especially through product innovation on the OneTrue platform.
Mortgage segment profitability is preserved and expected to grow, with new pricing and the introduction of Vantage scores offering high-margin opportunities.
Pre-qualification and pre-approval trends have stabilized, with no significant diminishment in credit diligence, and share gains are attributed to strong trended and alternative data.
Innovation and technology
The OneTrue platform, a next-generation global configurable system, underpins credit, marketing, fraud, and investigative solutions, leveraging a unified identity data pool.
Identity graph capabilities are enhanced by integrating public records, marketing, and device-based data, providing a unique, high-quality foundation for all products.
AI-enabled customers consume more data, driving higher revenue growth as they seek high-quality inputs for analytics, underwriting, and fraud mitigation.
Drivers for double-digit EPS growth
VantageScore's profit impact in mortgage market
OneTru identity graph: how it drives growth
OneTrue platform's 2027 margin impact
Vantage score adoption in mortgage by 2027
AI-enabled customer data consumption drivers
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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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