Core Insights - Nearly 40% of U.S. consumers expect brands to personalize their online shopping experiences with tailored interactions and recommendations [1][2] - Personalization is linked to increased purchase likelihood and brand affinity, with nearly 40% of consumers indicating it makes them more likely to buy [2] - There is a growing concern among consumers regarding data privacy, with 80% worried about sharing personal information and 89% considering data privacy important when engaging online [6] Personalization and Consumer Engagement - Effective personalization is a powerful marketing tool that demonstrates to consumers that brands are attentive to their preferences, leading to higher engagement [2] - The survey indicates that personalization can create meaningful connections, but poor execution or breaches of trust can damage brand reputation [3] Privacy Concerns and Data Transparency - Consumers desire personalized experiences but are cautious about data usage, highlighting a paradox for marketers who must balance relevance with privacy [3] - The findings emphasize the need for marketers to understand their audience while respecting privacy, supported by TransUnion's investment in reliable data foundations [4] Company Overview - TransUnion is a global information and insights company with over 13,000 associates in more than 30 countries, focusing on providing a reliable representation of individuals in the marketplace [5] - The company has expanded its services beyond core credit into marketing, fraud, risk, and advanced analytics, promoting economic opportunity and personal empowerment [5]

Financial Performance - For the three months ended March 31, 2025, revenue increased by $74.5 million, or 7.3%, to $1,095.7 million compared to $1,021.2 million in the same period of 2024 [131][132]. - Operating income for the three months ended March 31, 2025, was $254.4 million, reflecting a significant increase of $97.2 million or 61.9% from $157.2 million in 2024 [131]. - Net income attributable to TransUnion for the three months ended March 31, 2025, was $148.1 million, an increase of $82.9 million compared to $65.1 million in 2024 [131]. - Consolidated Adjusted EBITDA for the same period rose by $39.0 million to $397.1 million, with a margin increase of 1.2% to 36.2% due to higher revenue and cost savings from the transformation plan [181]. - Adjusted Net Income for Q1 2025 was $207.6 million, a 16.0% increase from $179.0 million in Q1 2024 [183]. Cost Management - Cost of services rose by $39.4 million to $445.6 million, primarily due to increased data acquisition and personnel costs [133]. - Selling, general and administrative expenses decreased by $48.8 million to $256.8 million, attributed to a reduction in variable postage and realization of benefits from the operating model transformation plan [133]. - Total operating expenses decreased by $22.7 million to $841.4 million, driven by lower restructuring costs [131]. - The company reported a significant increase in stock-based compensation expenses, rising to $30.3 million in Q1 2025 from $24.1 million in Q1 2024, a change of 25.8% [178]. Transformation and Investment - TransUnion's transformation plan is expected to incur one-time pre-tax expenses of $355.0 to $375.0 million from Q4 2023 through the end of 2025, with anticipated annual savings of $120.0 to $140.0 million post-completion [115]. - The company realized annualized savings of approximately $85.0 million from the transformation plan during the year ended December 31, 2024 [115]. - The company is investing approximately $90 million in technology initiatives during 2024 and 2025 to enhance its global cloud-based infrastructure [169]. Shareholder Returns - During Q1 2025, TransUnion repurchased approximately 63,000 shares of common stock for a total of $5.4 million, with an average price of $84.86 per share [120]. - As of March 31, 2025, $494.7 million remains available for repurchases under the 2025 Repurchase Plan [120]. - The company declared dividends of $0.115 per share totaling $22.6 million in the first quarter of 2025 [202]. Economic Environment - The U.S. economy showed resilience in Q1 2025, with GDP growth and rising real wages, although higher interest rates have slowed demand for consumer loans and impacted the housing sector [110]. - The ongoing macroeconomic uncertainty, including potential tariff increases, may adversely impact consumer sentiment and demand for credit [112]. Debt and Financial Health - The company executed Amendment No. 24 to the Senior Secured Credit Facility, entering into a Senior Secured Term Loan B-9 with an aggregate principal amount of $1.9 billion [121]. - The leverage ratio as of March 31, 2025, was 2.9, with a net debt of $4,521.0 million [192]. - As of March 31, 2025, the company was in compliance with all debt covenants, with a senior secured net leverage ratio not exceeding 5.5-to-1 [216]. Currency and Interest Rate Risk - The company is exposed to foreign currency exchange rate risk, with transactions in multiple currencies including British pounds and South African rand [229]. - Approximately 71.6% of the company's variable-rate debt is hedged with interest rate swaps, mitigating interest rate risk [226]. - A 10% change in average Term SOFR rates would have increased annual interest expense by approximately $6 million during Q1 2025 [226].

TransUnion (NYSE:TRU) Q1 2025 Earnings Conference Call April 24, 2025 9:30 AM ET Company Participants Greg Bardi – Vice President-Investor Relations Chris Cartwright – President and Chief Executive Officer Todd Cello – Executive Vice President and Chief Financial Officer Conference Call Participants Jeff Meuler – Baird Andrew Steinerman – JPMorgan Toni Kaplan – Morgan Stanley Faiza Alwy – Deutsche Bank Jason Haas – Wells Fargo Ashish Sabadra – RBC Capital Markets Tom Roesch – William Blair Manav Patnaik – B ...

For the quarter ended March 2025, TransUnion (TRU) reported revenue of $1.1 billion, up 7.3% over the same period last year. EPS came in at $1.05, compared to $0.92 in the year-ago quarter. Here is how TransUnion performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts: View all Key Company Metrics for TransUnion here>>> Shares of TransUnion have returned -9.9% over the past month versus the Zacks S&P 500 composite's -5.1% change. The stock c ...

Core Insights - TransUnion (TRU) reported quarterly earnings of $1.05 per share, exceeding the Zacks Consensus Estimate of $0.98 per share, and showing an increase from $0.92 per share a year ago, resulting in an earnings surprise of 7.14% [1] - The company achieved revenues of $1.1 billion for the quarter ended March 2025, surpassing the Zacks Consensus Estimate by 2.46%, and up from $1.02 billion year-over-year [2] Earnings Performance - Over the last four quarters, TransUnion has consistently surpassed consensus EPS estimates, achieving this four times [2] - The company also topped consensus revenue estimates in each of the last four quarters [2] Stock Performance - TransUnion shares have declined approximately 16.7% since the beginning of the year, compared to a decline of 8.6% in the S&P 500 [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the market in the near future [6] Future Outlook - The current consensus EPS estimate for the upcoming quarter is $1.03 on revenues of $1.1 billion, while for the current fiscal year, the estimate is $4.07 on revenues of $4.39 billion [7] - The outlook for the Business - Information Services industry, where TransUnion operates, is favorable, ranking in the top 38% of over 250 Zacks industries [8]

Core Insights - TransUnion reported strong financial results for Q1 2025, with total revenue reaching $1,096 million, marking a 7% increase compared to Q1 2024 [2][6] - The company exceeded its financial guidance across all key metrics, driven by growth in U.S. Financial Services and Emerging Verticals [4][6] - Net income attributable to TransUnion was $148 million, significantly up from $65 million in Q1 2024, primarily due to a reduction in a lawsuit accrual [7][28] Revenue Performance - Total revenue for Q1 2025 was $1,096 million, a 7% increase year-over-year, with an 8% increase on a constant currency basis [2][6] - U.S. Markets revenue grew by 9%, with Financial Services up 15% and Emerging Verticals up 6% [4][5] - International revenue increased by 6% on a constant currency basis, with high-single digit growth in most markets [4][8] Earnings and Profitability - Net income attributable to TransUnion was $148 million, with diluted earnings per share at $0.75, compared to $0.33 in Q1 2024 [7][28] - Adjusted EBITDA for the quarter was $397 million, an 11% increase from $358 million in Q1 2024, with an adjusted EBITDA margin of 36.2% [7][8] - The company maintained its organic constant currency revenue growth guidance for 2025 at 4.5% to 6% [4][6] Segment Results - U.S. Markets generated $857 million in revenue, a 9% increase, with adjusted EBITDA of $320 million, reflecting a 12% growth [8][51] - International revenue totaled $242 million, with a 6% increase, and adjusted EBITDA of $110 million, up 3% [8][51] - The Financial Services segment saw a revenue increase of 15%, while the Consumer Interactive segment experienced a slight decline of 1% [5][8] Liquidity and Capital Resources - Cash and cash equivalents were $610 million as of March 31, 2025, down from $679 million at the end of 2024 [9][10] - The company reported cash provided by operating activities of $53 million for Q1 2025, slightly down from $54 million in Q1 2024 [10][31] - Cash used in investing activities increased to $87 million, primarily due to higher capital expenditures [10][31] Outlook - The company is maintaining its revenue growth guidance for Q2 and the full year 2025, with expectations of 3% to 5% growth as reported [12][11] - TransUnion is well-positioned to navigate potential economic challenges, supported by a diversified portfolio [4][6] - The company plans to continue monitoring market conditions while prioritizing cost management and business transformation initiatives [4][6]

Exhibit 99.1 News Release TransUnion Announces First Quarter 2025 Results CHICAGO, April 24, 2025 – TransUnion (NYSE: TRU) (the "Company") today announced financial results for the quarter ended March 31, 2025. First Quarter 2025 Results Revenue: • Total revenue for the quarter was $1,096 million, an increase of 7 percent (8 percent on a constant currency basis), compared with the first quarter of 2024. Earnings: "In the first quarter, TransUnion delivered strong results that again exceeded financial guidan ...

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Company Overview - TransUnion has appointed Brian Silver as Executive Vice President of Marketing Solutions, effective April 7, 2025, reporting to Chief Global Solutions Officer Mohamed Abdelsadek [1] - TransUnion operates globally with over 13,000 associates in more than 30 countries, focusing on providing reliable consumer representation in the marketplace [4] Leadership and Strategy - Silver will lead the vision, strategy, and innovation for TransUnion's TruAudience® products, which focus on data-driven marketing and measurement [2] - Abdelsadek emphasized the potential for innovation within the TruAudience suite, powered by TransUnion's OneTru platform, to address marketers' challenges in a privacy-focused environment [3] Experience and Background - Brian Silver has over 25 years of experience in identity-based digital marketing, previously serving as Global Vice President at Oracle Advertising and holding leadership roles at LiveIntents, Verizon Media, and Yahoo! [3] - Silver expressed enthusiasm about leveraging his experience to help clients achieve their goals and drive business growth for TransUnion [4]

CHICAGO, April 10, 2025 (GLOBE NEWSWIRE) -- One year ago, TransUnion (NYSE:TRU) introduced its transformative OneTru™ solution enablement platform for managing, governing, analyzing and delivering data, identity and insights. Today, OneTru delivers on its promises, accelerating and expanding the pace and breadth of the company's innovation. Over the course of 2024 and early 2025, OneTru capabilities have powered several of TransUnion's B2B product lines: TransUnion's alternative lending bureau is now enable ...