NYSE$TRU

TransUnion · Q3 2024 earnings

Q3 2024 earnings · · Investor relations

Briefing

TransUnion exceeded third quarter 2024 financial guidance for revenue and earnings.

TransUnion announced strong Q3 2024 results, exceeding financial guidance with a 12% revenue increase driven by U.S. Financial Services, Insurance, Consumer Interactive, and International segments. The company is also raising its 2024 financial guidance, now expecting 9 percent revenue growth for the year.

  • Revenue increased by 12% to $1,085 million.
  • Net income was $68 million, compared to a loss of $319 million in Q3 2023.
  • Adjusted EBITDA increased by 11% to $394 million.
  • Diluted earnings per share was $0.35, compared to a loss per share of $1.65 in Q3 2023.

Headline financials

Total Revenue

$1.09B

Previous: $969M+12.0%
EPS

$0.35

Previous: $0.91-61.5%
Adjusted EBITDA

$394M

Previous: $356M+10.6%
Adjusted EBITDA Margin

36.3%

Previous: 36.8%-1.4%
Capital Expenditures

-$199M

Previous: -$213M+6.8%
Free Cash Flow

-$131M

Previous: -$613M+78.7%
Net Income

$68M

Previous: -$400M+117.0%
Operating Income

$156M

Previous: -$317M+149.3%
Cash & Equivalents

$643M

Previous: $421M+52.8%
Total Assets

$11.1B

Previous: $11B+0.2%
Stock-Based Comp

$33.8M

Previous: $27M+25.2%

Revenue & EPS history

TransUnion · Revenue · Quarterly

$1.09B

Q3 2024+12%vs Q3 2023
Beat estimate in 13 of 15 quarters(87%)
ActualEstimate

Revenue by segment

TransUnion · $777M total across 3 segments · Q3 2023

  • U.S. Financial Services
    $323M+11.0%
  • U.S. Emerging Verticals
    $311M-5.7%
  • Consumer Interactive
    $143M-2.9%

Forward guidance

TransUnion is raising its 2024 guidance and now expects to deliver 9 percent revenue growth.

Tailwinds

  • As reported revenue growth of 6% to 8%.
  • Constant currency revenue growth of 6% to 8%.
  • Organic constant currency revenue growth of 6% to 8%.
  • Net income attributable to TransUnion margin of 6.4% to 7.4%.
  • Adjusted EBITDA margin of 35.5% to 36.2%.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q3 2024

Historical avgQ3 2024

+0.6%

Avg return

Earnings day

-0.1%

Avg return

5 days after

+0.7%

Avg return

30 days after

57%

25 / 44 earnings

Positive

+18.4%

Q4 2015

Best reaction

-28.7%

Q3 2023

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-1.3%-1.1%+0.5%
Q4 2025-1.4%+4.9%-2.5%
Q3 2025+3.3%+2.8%+4.0%
Q2 2025-2.9%-4.9%-1.1%
Q1 2025+6.7%+6.7%+7.6%
Q4 2024+7.3%+3.9%-11.9%
Q3 2024+0.8%-2.0%-6.3%
Q2 2024+11.4%+15.8%+25.3%
Q1 2024+8.5%+6.3%+11.1%
Q4 2023+9.8%+6.3%+10.2%
Q3 2023-28.7%-32.8%-8.7%
Q2 2023+3.2%+0.4%-1.1%
Q1 2023+0.3%+7.8%+11.1%
Q4 2022+3.4%+3.9%-12.9%
Q3 2022+1.9%+5.1%+8.4%
Q2 2022-14.0%-9.6%-7.5%
Q1 2022-3.6%-5.7%-8.1%
Q4 2021-11.9%-6.6%+4.5%
Q3 2021-7.3%-2.4%-3.4%
Q2 2021+1.6%+3.0%+1.4%
Q1 2021+3.4%+4.0%+6.4%
Q4 2020-6.9%-6.1%-8.1%
Q3 2020-6.1%-5.6%+11.0%
Q2 2020+3.2%+0.2%-3.5%
Q1 2020+8.1%+2.6%+13.9%
Q4 2019+2.2%-0.7%-40.2%
Q3 2019+1.3%-0.1%+2.8%
Q2 2019+9.0%+12.7%+12.2%
Q1 2019-3.4%-1.8%-6.9%
Q4 2018-2.1%-2.6%+1.0%
Q3 2018-6.9%-10.2%-11.5%
Q2 2018-1.2%-4.5%-2.1%
Q1 2018+8.3%+8.0%+13.6%
Q4 2017-4.0%+0.6%+0.9%
Q3 2017+2.5%+4.5%+7.7%
Q2 2017-0.1%-0.7%+3.7%
Q1 2017-0.2%+0.4%+7.3%
Q4 2016+9.4%+8.5%+10.6%
Q3 2016-3.5%-6.6%-5.1%
Q2 2016-4.9%-7.3%-6.4%
Q1 2016+9.6%
Q4 2015+18.4%
Q3 2015+1.7%
Q2 2015+0.6%
Q4 2014
Q1 2015
Q3 2014
Q2 2014
Q1 2014
Q4 2013
Q3 2013
Q2 2013
Q4 2012
Q1 2013

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