Q4 2025 TransUnion Earnings Call Transcript
Key Points
- TransUnion (TRU) reported a strong fourth quarter, with a 12% organic revenue increase and a 16% growth in the US market.
- The company achieved a 10% growth in adjusted diluted EPS, reaching 14% when excluding the impact of a tax rate reset.
- TransUnion (TRU) repurchased $150 million of shares in the fourth quarter, totaling $300 million for 2025, and increased its quarterly dividend by 9%.
- The US Financial Services segment grew by 19%, with double-digit growth in mortgage, consumer lending, and auto sectors.
- Internationally, Canada and the UK markets both grew double digits, outperforming their respective markets significantly.
- India's revenue declined by 4% in the fourth quarter, attributed to a reset year for unsecured lending and credit card originations.
- Latin America experienced a 3% decline due to softer economic and lending conditions, with political uncertainty impacting Colombia.
- Asia Pacific saw an 11% decline, with Hong Kong facing soft volumes and the Philippines growing only low single digits.
- TransUnion (TRU) incurred $25 million in onetime charges related to its transformation program in the fourth quarter.
- The company anticipates mid-single-digit declines in US mortgage inquiries for 2026, impacting overall growth.
Good morning, and welcome to the TransUnion 2025 fourth quarter earnings conference call. (Operator Instructions) Please also note that this event is being recorded today.
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 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 their corresponding reconciliations of these non
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