Q3 2025 TransUnion Earnings Call Transcript
Key Points
- TransUnion (TRU) achieved its seventh consecutive quarter of high single-digit organic revenue growth, with an 11% increase on an organic constant currency basis.
- The company raised its 2025 guidance across all metrics, reflecting strong third-quarter performance and stable US lending trends.
- TransUnion (TRU) advanced its technology modernization, successfully migrating its first US credit customers and accelerating innovation in credit and noncredit products.
- The company accelerated its share repurchases, buying back $160 million in shares during the third quarter, and increased its share repurchase authorization to $1 billion.
- International revenue grew by 6% on an organic constant currency basis, with Canada, the UK, and Africa achieving double-digit growth despite muted economic conditions.
- India's revenue growth was slightly below expectations at 5%, impacted by new tariffs affecting US export-dependent small- and medium-sized businesses.
- Consumer Interactive revenue declined 18% on an organic constant currency basis due to last year's breach remediation win.
- Latin America revenue was flat amid softer economic and lending conditions, with Brazil declining due to lapping one-time project revenue.
- The public sector vertical declined due to revenue timing, impacting overall Emerging Verticals growth.
- The company incurred $34 million of one-time charges related to its transformation program in the third quarter.
Good day, and welcome to the TransUnion's third-quarter 2025 earnings conference call. (Operator Instructions) Please note, this event is being recorded.
I would now like to turn the conference over to Greg Bardi, Vice President of Investor Relations. Please go ahead.
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 this 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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