NYSE$TRU

TransUnion · Q4 2021 earnings

Q4 2021 earnings · · Investor relations

Briefing

TransUnion delivered robust results driven by diversified growth initiatives and strategic portfolio enhancements.

TransUnion announced strong Q4 2021 results, with revenue of $790 million, a 21% increase compared to Q4 2020. Net income attributable to TransUnion was $1,017 million, or $5.27 per diluted share, impacted by a $982 million gain on the disposal of the Healthcare business. Adjusted EBITDA was $282 million, up 14% from the prior year.

  • Delivered strong quarter driven by diversified growth initiatives.
  • Enhanced portfolio with new capabilities in high-growth markets.
  • Announced intent to acquire Verisk Financial Services.
  • Extinguished $640 million of debt related to the Sontiq acquisition during the fourth quarter.

Headline financials

Total Revenue

$790M

Previous: $699M+13.1%
EPS (adj)

$0.81

Previous: $0.80+1.3%
Adjusted EBITDA

$282M

Previous: $269M+4.8%
Adjusted EBITDA Margin

35.8%

Previous: 38.5%-7.0%
Capital Expenditures

$66.1M

Previous: $82.4M-19.8%
Free Cash Flow

$82M

Previous: $147M-44.1%
Net Income

$1.02B

Previous: $102M+900.5%
Operating Income

$114M

Previous: $145M-21.3%
Gross Profit

$503M

Previous: $444M+13.2%
Cash & Equivalents

$1.84B

Previous: $493M+273.7%
Total Assets

$12.6B

Previous: $7.31B+72.8%
Stock-Based Comp

$17.6M

Previous: $17.3M+1.7%

Revenue & EPS history

TransUnion · Revenue · Quarterly

$790M

Q4 2021+13.1%vs Q4 2020
Beat estimate in 14 of 16 quarters(88%)
ActualEstimate

Revenue by segment

TransUnion · $625M total across 3 segments · Q4 2021

  • U.S. Financial Services
    $268M+12.6%
  • U.S. Emerging Verticals
    $213M+10.4%
  • Consumer Interactive
    $144M+14.3%

Forward guidance

TransUnion expects to deliver 11% - 12% organic revenue growth excluding U.S. mortgage impact in the first quarter and 9% - 11% for the full year 2022.

Tailwinds

  • Market conditions remain favorable
  • Benefit from significant investments in Global Solutions
  • Benefit from significant investments in Operations
  • Benefit from significant investments in Technology
  • Benefit from the transformative impact of recent acquisitions

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 Q4 2021

Historical avgQ4 2021

+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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