TransUnion (NYSE: TRU) released its 2026 credit originations outlook, projecting steady but tempered expansion across major lending categories. The forecast, issued alongside the Q4 2025 Credit Industry Insights Report (CIIR), highlights mortgages and unsecured personal loans as the main engines of growth amid a broader market that continues to stabilize after years of volatility.Mortgage originations—both for home purchases and refinances—are expected to extend recent gains from historically low levels.Pur ...

TransUnion (NYSE:TRU) is among the 20 Best Investments in 2026. BofA Adds TransUnion (TRU) to Coverage Amid Positive Industry Outlook TransUnion (NYSE:TRU) is among the best investments. TheFly reported on February 17 that BofA Securities reinstated coverage on TRU with a Neutral rating and an $83 price target. BofA noted a generally positive perspective on the industry and projected growth of about 7% in sales, 12% in EPS, and 11% in free cash flow in 2026. This action was part of the firm's larger cov ...

Key Takeaways TRU expects earnings to rise 11% and 16.6% in 2026 and 2027, respectively, on solid revenue growth.TRU's OneTru and TrueIQ platforms boost analytics, credit and fraud solutions globally.TRU expands via the Monevo buy and the Mexico deal, while competition pressures growth margins.TransUnion (TRU) has a Growth Score of B, which condenses key financial metrics to reflect a fair sense of the quality and sustainability of its growth.The company’s first-quarter 2026 earnings are expected to increas ...

Key findings from TransUnion report: Nearly one-in-five Canadians improved their credit score over the past yearCanadian consumer credit delinquencies remained stable as consumers and lenders have adjusted to the evolving economic landscapeCanada’s credit market poised for growth as economic conditions improve, and innovation creates opportunities for expanded credit access TORONTO, Feb. 25, 2026 (GLOBE NEWSWIRE) -- In the fourth quarter of 2025, Canadian household debt reached $2.6 trillion across all cred ...

In this articleEFXTRUFICOMorsa Images | Digitalvision | Getty ImagesThere's a line item in homebuyers' closing costs that's causing a clash in the mortgage industry: the fee for lenders to check borrowers' credit.While the charges — typically in the tens or hundreds of dollars — represent a tiny slice of the amount that buyers pay when a home purchase is finalized, the cost has risen sharply in recent years. Costs in 2026 could rise an average 40% to 50%, according to a Dec. 12 letter from the Mortgage Bank ...

“Shouldn’t the credit-card company have sent nonpayment notices to me?” (Photo subject is a model.) - Getty Images/iStockphoto Dear Quentin, I received a credit warning about a three-month overdue payment on a credit card held by my wife, with me listed as an authorized user. All correspondence regarding the account was sent to my wife’s email, so the credit warning was the first time I became aware of her nonpayment. The amount owed (including interest) was under $55, so that part is not the issue. My ...

Core Insights - There has been a significant increase in borrowing due to high inflation, with new personal loans rising by 24% in Q3 2025 compared to the previous year, particularly among borrowers with low credit scores [1] - Credit card accounts also saw an increase of 11.7%, with growth observed in both subprime and superprime segments [1][2] - Despite signs of cooling inflation, prices remain approximately 26% higher than pre-pandemic levels, affecting consumer sentiment negatively [3] Borrowing Trends - The Federal Reserve Bank of New York reported that 12.7% of credit card balances were 90 days or more overdue in Q4 2025, the highest level since 2011 [4] - Credit card balances increased by 4.2% at the end of last year, maintaining this growth rate for four consecutive quarters [4] - Personal loan balances reached a record high of $276 billion, remaining stable at about $8,400 per account compared to 2024 levels [5] Future Outlook - Credit card origination volumes are expected to moderate in 2026, indicating a potential stabilization in borrowing activity [5] - The overall sentiment suggests that the borrowing environment is settling down, despite the previous spikes in credit demand [5]

Core Insights - TransUnion (TRU) reported strong fourth-quarter 2025 results, with earnings and revenues exceeding the Zacks Consensus Estimate [1] - The adjusted EPS of $1.07 surpassed the consensus by 3.9% and grew 10.3% year over year, while total revenues reached $1.2 billion, beating estimates by 3% and increasing 13% from the previous year [1] Revenue Performance - The U.S. Markets segment generated revenues of $918.9 million, a 16% increase year over year, although it fell short of the consensus estimate of $921 million [3] - Financial services within this segment saw revenues of $423.1 million, also up 16% year over year [3] - The international segment reported revenues of $255.9 million, a 4% increase year over year, but below the consensus estimate of $274.2 million [4] - Canada and Latin America contributed $43.5 million and $34.8 million in revenues, growing 13% and 3% year over year, respectively [4] - The U.K. revenues increased by 22% year over year to $72.2 million [4] - Africa and India recorded revenues of $19.6 million and $60.4 million, with Africa growing 7% year over year, while India saw a 9% decline [5] Operating Performance - Adjusted EBITDA was $417 million, reflecting a 10% year-over-year growth, with an adjusted EBITDA margin of 35.6%, down 90 basis points from the previous year [6] - Adjusted EBITDA for the U.S. market was $348.5 million, a 12% increase year over year, while the international market's adjusted EBITDA was $255.9 million, up 4% [7] Balance Sheet & Cash Flow - At the end of the quarter, TransUnion had $853.6 million in cash and cash equivalents, up from $749.9 million at the end of the previous quarter [8] - Long-term debt decreased to $4.9 billion from $5 billion in the preceding quarter [8] - Cash generated from operating activities was $319.5 million, with capital expenditure at $96.7 million [8] Guidance - For Q1 2026, TransUnion expects revenues between $1.195 billion and $1.205 billion, aligning with the current consensus estimate [10] - The company anticipates adjusted EPS between $1.08 and $1.10, which is lower than the Zacks Consensus Estimate of $1.14 [10] - For the full year 2026, revenues are projected to be between $4.946 billion and $4.981 billion, slightly below the consensus estimate of $4.97 billion [11] - Adjusted EPS guidance for 2026 is set at $4.63 to $4.71, also lower than the consensus estimate of $4.85 [11]

Core Insights - TransUnion's 2026 credit originations forecast indicates continued growth in mortgage and unsecured personal loans, while other credit products show mixed performance [1][2] - The report highlights a normalization in the credit landscape, with slower growth rates expected compared to 2025 [2][4] Mortgage Insights - Mortgage originations are projected to continue their rebound, with both purchase and refinance activities contributing to growth [2][24] - In Q3 2025, mortgage originations rose 6.5% year-over-year to 1.34 million, driven by increased purchase demand and stronger refinance activity [24] - Home-equity originations have shown consistent growth, increasing 14.3% year-over-year in Q3 2025 [24][22] Unsecured Personal Loans Insights - Unsecured personal loans are expected to see significant growth, with an annual increase of 11.2% projected for 2026 [7] - In Q3 2025, originations reached a record 7.2 million, with subprime borrowers driving a 32.5% year-over-year increase [15] - Total unsecured personal loan balances climbed to a record $276 billion in Q4 2025, with 26.4 million consumers carrying a balance [15][18] Credit Card Insights - Credit card originations are expected to see a modest increase in 2026, following near-record growth in 2025 [3][9] - The total number of credit cards reached 581 million in Q4 2025, with total credit card balances at $1.15 trillion [10] - The borrower-level delinquency rate for credit cards was 2.58% in Q4 2025, reflecting a slight increase from previous years [10][14] Auto Loan Insights - Auto loan originations rose 6.2% year-over-year to 6.7 million in Q3 2025, with growth seen across all risk tiers [32] - Average monthly payments for new vehicles increased to $782, while used vehicle payments rose to $538 [30][32] - The account-level delinquency rate for auto loans reached 1.50% in Q4 2025, indicating a slight increase year-over-year [30][32] General Market Trends - The overall lending activity is expected to remain measured as lenders adopt a disciplined approach to growth, focusing on risk management [4][6] - Consumer demand for credit remains strong across various risk tiers, with potential for further strengthening if interest rates decline [4][6]

Core Insights - The article discusses the rising issue of identity theft in the U.S., highlighting a personal experience of fraud and the broader implications for consumers [1][2][3]. Group 1: Identity Theft Statistics - In 2024, U.S. consumers lost over $12.5 billion to fraud, marking a 25% increase from the previous year [4]. - There were more than 1.1 million reports of identity theft made to the Federal Trade Commission (FTC) in 2024, with experts suggesting that actual figures may be much higher due to unreported cases [4]. Group 2: Types of Identity Theft - The two most common types of identity theft-related financial fraud are new account fraud and unauthorized account access [5]. - New account fraud involves criminals using stolen identity information to open new credit cards, loans, or deposit accounts, often going unnoticed until victims check their credit reports [6]. - Unauthorized account access occurs when fraudsters use stolen credentials to access existing bank or credit card accounts, allowing them to make unauthorized transactions [7].