NYSE$TRU

TransUnion · Q3 2025 earnings

Q3 2025 earnings · · Before market open · Investor relations

Briefing

TransUnion reported Q3 2025 revenue of $1.17B with net income of $100.2M and diluted EPS of $0.49.

Revenue increased to $1.17 billion with net income of $100.2 million and diluted EPS of $0.49. U.S. markets and international consumer solutions contributed to year-over-year growth.

  • Q3 revenue $1.17B.
  • Net income $100.2M; diluted EPS $0.49.
  • Share repurchases continued under the 2025 plan.
  • Credit data demand and mortgage activity influence near-term trends.

Headline financials

Total Revenue

$1.17B

Previous: $1.09B+7.8%
EPS (adj)

$1.10

Previous: $0.35+214.3%
Adjusted EBITDA

$425M

Previous: $394M+8.0%
Adjusted EBITDA Margin

36.3%

Previous: 36.3%+0.0%
Capital Expenditures

-$229M

Previous: -$199M-15.4%
Net Income

$96.6M

Previous: $68M+42.1%
Operating Income

$208M

Previous: $156M+32.7%

Revenue & EPS history

TransUnion · Revenue · Quarterly

$1.17B

Q3 2025+7.8%vs Q3 2024
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

The filing discusses TransUnion's outlook, capital allocation, and key risks for upcoming periods, including guidance or operating priorities where disclosed.

Tailwinds

  • TransUnion cites execution and demand trends supporting the outlook.
  • Liquidity and balance-sheet capacity support operations and returns.

Headwinds

  • Macro, input costs, and FX may pressure margins quarter to quarter.
  • Segment mix and one-time items can affect comparability.

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 2025

Historical avgQ3 2025

+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

Discussion

Share your read of this quarter. Sign-in carries your eToro identity.

Join the conversation

Sign in with eToro to post your read of this quarter and vote on others'.

Sign in with eToro