TransUnion: Beat — EPS $1.25, Revenue $1.31B
Earnings BeatQ3 2026 · Pre-market
Did TransUnion (TRU) beat earnings today?
Yes, TransUnion (TRU) beat Wall Street analyst expectations for Q3 2026, reporting higher-than-expected EPS and higher-than-expected revenue.
Earnings Per Share+3.31% surprise
$1.25Actual
Expected: $1.21
vs. year ago +13.6%
Total Revenue+0.19% surprise
$1.31BActual
Expected: $1.31B
vs. year ago +12.2%
Released Oct 27 · 6:18 AM ET
Earning Report
| Metric | Q3 2026 | Q3 2025 | YoY Change % |
|---|---|---|---|
| Revenue | $1.31B | $1.17B | +12.2 |
| Revenue detail — reported lines | |||
| └─U.S. Markets | $976.80M | $912.80M | +7.0 |
| └─Financial Services | $485.50M | $438.00M | +10.8 |
| └─Emerging Verticals | $351.00M | $330.10M | +6.3 |
| └─Consumer Interactive | $140.30M | $144.80M | -3.0 |
| └─International | $339.00M | $260.10M | +30.4 |
| └─Canada | $45.70M | $43.40M | +5.2 |
| └─Latin America | $98.70M | $33.70M | +192.8 |
| └─United Kingdom | $75.00M | $71.40M | +5.1 |
| └─Africa | $22.30M | $19.40M | +14.9 |
| └─India | $73.70M | $68.50M | +7.5 |
| └─Asia Pacific | $23.70M | $23.70M | 0.0 |
| Net Income | $156.20M | $96.60M | +61.7 |
| GAAP Basic EPS | $0.82 | $0.50 | +64.0 |
| GAAP Diluted EPS | $0.81 | $0.49 | +65.3 |
| Adjusted Basic EPS | $1.26 | $1.11 | +13.5 |
| Adjusted Diluted EPS | $1.25 | $1.10 | +14.0 |
Financial Outlook / Guidance
| Metric | Q4 2026 Outlook | FY 2026 Outlook |
|---|---|---|
| Revenue, as reported | $1,264M-$1,294M | $5,131M-$5,162M |
| Growth rates | 8%-10% | 12%-13% |
| Constant currency | 8%-11% | 12%-13% |
| Organic constant currency | 3%-6% | 8%-9% |
| Net income attributable to TransUnion | $127M-$140M | $823M-$837M |
| Growth rate | 25%-38% | 81%-84% |
| Net income attributable to TransUnion margin | 10.0%-10.8% | 16.0%-16.2% |
| Diluted Earnings per Share | $0.66-$0.73 | $4.26-$4.32 |
| Growth rate | 26%-40% | 84%-87% |
| Adjusted EBITDA, as reported | $450M-$468M | $1,808M-$1,827M |
| Growth rate, as reported | 8%-12% | 10%-11% |
| Adjusted EBITDA margin | 35.6%-36.2% | 35.2%-35.4% |
| Adjusted Diluted Earnings per Share | $1.15-$1.22 | $4.81-$4.88 |
| Growth rate | 7%-14% | 12%-13% |
Business Highlights
- ➤Increased 2026 share repurchases to $243 million year-to-date.
- ➤Expects to repurchase up to $500 million of shares during 2026.
- ➤Board increased total share repurchase authorization by $1 billion to $2 billion.
- ➤Raised quarterly dividend to $0.135 per share from $0.125.
- ➤Completed acquisitions of Trans Union de Mexico and RealNetworks’ mobile division.
- ➤Continued technology modernization and accelerated innovation initiatives.
- ➤Operates with more than 13,000 associates across over 30 countries.
- ➤Developed solutions spanning marketing, fraud, risk and advanced analytics through acquisitions and technology investments.
Management Commentary
Chris Cartwright, President and CEO
“TransUnion delivered another quarter of strong results exceeding our guidance,”
Chris Cartwright, President and CEO
“U.S. Markets revenue grew by 7 percent, led by U.S. Financial Services and Insurance. International accelerated to 10 percent growth on an organic constant currency basis, including 18 percent growth in India.”
Chris Cartwright, President and CEO
“We are maintaining the high-end of 2026 guidance for revenue and raising guidance for Adjusted Diluted EPS, balancing business momentum against rising interest rates and overall market uncertainty. We continue to expect 2026 to mark our third consecutive year of at least high-single digit organic constant currency revenue growth and double-digit Adjusted Diluted EPS growth.”
Chris Cartwright, President and CEO
“Progress against our technology modernization and accelerated innovation underpin these results. We continue to deliver increasingly diversified, innovation-led and scalable growth. We believe our growth momentum, increasing cash flow and strong balance sheet support an accelerated pace of capital return to shareholders in the near term.”