Q2 2026 TransUnion Earnings Call Transcript
Key Points
- TransUnion (TRU) exceeded its guidance for revenue, adjusted EBITDA, and adjusted diluted earnings per share in Q2 2026.
- The company reported a 10% organic constant currency revenue growth, surpassing its 8% to 9% guidance.
- US markets saw an 11% revenue increase, with Financial Services leading at 18% growth.
- International revenues accelerated to 6% organically, with strong performances in Canada, India, and the UK.
- TransUnion (TRU) raised its full-year guidance, expecting 8% to 9% organic constant currency revenue growth and 11% to 12% adjusted diluted earnings per share growth.
- The macroeconomic environment remains uncertain, with potential impacts from inflation and interest rate fluctuations.
- Mortgage activity is modestly pressured by rising interest rates, with the 10-year treasury yield approaching 4.7%.
- Consumer Interactive segment declined by 3%, driven by declines in the direct channel.
- Asia Pacific region experienced a 7% decline, although the rate of decline is improving.
- Adjusted EBITDA margin decreased by 90 basis points year-over-year, primarily due to the impact of FICO mortgage royalties.
Good morning, and welcome to the TransUnion 2026 second quarter earnings conference call. (Operator Instructions) Please note that this event is being recorded.
I would now like to turn the conference over to Greg Bardi, Senior Vice President, Investor Relations. Please go ahead, sir.
Good morning, and thank you for attending today. Joining me on the call are Chris Cartwright, President and Chief Executive Officer; and Todd Cello, Executive Vice President and Chief Financial Officer. We posted our earnings release and slides to accompany this call on the TransUnion Investor Relations website this morning, and they can also be found in the current report on Form 8-K that we filed this morning.
Our earnings release and the accompanying slides include various schedules, which contain more detailed information about revenue, operating expenses and other items, as well as certain non-GAAP disclosures and financial measures along with the corresponding reconciliation of these non-GAAP financial
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