TransUnion公布二季度业绩超公司指引并小幅上调全年展望

TransUnion Announces Strong Second Quarter 2026 Results
- Exceeded revenue, Adjusted EBITDA and Adjusted Diluted Earnings Per Share guidance
- Delivered 15 percent revenue growth, or 10 percent organic constant currency, led by U.S. Financial Services and Emerging Verticals
- Increased share repurchases in the second quarter and July, bringing the year-to-date total to approximately $150 million
- Raising full-year 2026 financial guidance; we now expect to deliver 12% to 13% percent revenue growth (8% to 9% organic constant currency)
CHICAGO, July 27, 2026 (GLOBE NEWSWIRE) -- TransUnion (NYSE: TRU) (the “Company”) today announced financial results for the quarter ended June 30, 2026.
Second Quarter 2026 Results
Revenue:
- Total revenue for the quarter was $1,310 million, an increase of 15 percent (15 percent on a constant currency basis and 10 percent on an organic constant currency basis), compared with the second quarter of 2025.
Earnings:
- Net income attributable to TransUnion was $143 million for the quarter, compared with $110 million for the second quarter of 2025. Diluted earnings per share was $0.74, compared with $0.56 in the second quarter of 2025. Net income attributable to TransUnion margin was 10.9 percent, compared with 9.6 percent in the second quarter of 2025.
- Adjusted Net Income was $238 million for the quarter, compared with $213 million for the second quarter of 2025. Adjusted Diluted Earnings per Share was $1.23, compared with $1.08 in the second quarter of 2025.
- Adjusted EBITDA was $456 million for the quarter, compared with $407 million for the second quarter of 2025, an increase of 12 percent (12 percent on a constant currency basis and 7 percent on an organic constant currency basis). Adjusted EBITDA margin was 34.8 percent, compared with 35.7 percent in the second quarter of 2025.
“TransUnion delivered another strong quarter of outperformance,” said Chris Cartwright, President and CEO. “U.S. Markets revenue grew by 11 percent, led by U.S. Financial Services and Emerging Verticals. International organic constant currency growth improved to 6 percent, with high-single digit growth in India and the U.K. and 10 percent growth in Canada.”
“We are raising our 2026 guidance, reflecting strong momentum in the first half of the year balanced against continued market uncertainty. We expect to deliver a third consecutive year of at least high-single digit organic constant currency revenue growth and double-digit Adjusted Diluted EPS growth.”
“We continue to execute against our 2026 enterprise priorities to drive innovation-led, scalable growth. We delivered key milestones in the first half of the year, including substantial migrations of our U.S. credit customers to OneTru and an accelerated pace of new product introductions globally. We believe this progress positions us for strong financial performance, free cash generation and shareholder returns in the second half of the year.”
Second Quarter 2026 Segment Results
Segment revenue, Adjusted EBITDA and the related growth rates in the table below include the results of Trans Union de México, S.A. S.I.C. (“Trans Union de Mexico”). The results of this business are reported in the International Segment within Latin America.
| (in millions) | Second Quarter 2026 | Reported Growth Rate | Constant Currency Growth Rate | Organic Constant Currency Growth Rate | ||||||||
| U.S. Markets: | ||||||||||||
| Financial Services | $ | 496 | 18 | % | 18 | % | 18 | % | ||||
| Emerging Verticals | 354 | 9 | % | 9 | % | 9 | % | |||||
| Consumer Interactive | 142 | (3) | % | (3) | % | (3) | % | |||||
| Total U.S. Markets Revenue | $ | 993 | 11 | % | 11 | % | 11 | % | ||||
| U.S. Markets Adjusted EBITDA | $ | 361 | 7 | % | 7 | % | 7 | % | ||||
| International: | ||||||||||||
| Canada | $ | 46 | 10 | % | 10 | % | 10 | % | ||||
| Latin America | 93 | 172 | % | 162 | % | 5 | % | |||||
| United Kingdom | 73 | 9 | % | 9 | % | 9 | % | |||||
| Africa | 21 | 16 | % | 5 | % | 5 | % | |||||
| India | 65 | (2) | % | 8 | % | 8 | % | |||||
| Asia Pacific | 22 | (10) | % | (7) | % | (7) | % | |||||
| Total International Revenue | $ | 321 | 27 | % | 28 | % | 6 | % | ||||
| International Adjusted EBITDA | $ | 137 | 27 | % | 28 | % | 7 | % | ||||
Liquidity and Capital Resources
Cash and cash equivalents was $839 million at June 30, 2026 and $854 million at December 31, 2025.
For the six months ended June 30, 2026, cash provided by operating activities was $459 million, compared with $344 million in 2025. The increase in cash provided by operating activities was due primarily to improved operating performance and changes in working capital. For the six months ended June 30, 2026, cash used in investing activities was $681 million, compared with $224 million in 2025. The increase in cash used in investing activities was due primarily to our acquisitions of Trans Union de Mexico and the mobile division of RealNetworks LLC (“RealNetworks”), partially offset by proceeds from the sale of two Cost Method Investments and a prior year investment in a note receivable. For the six months ended June 30, 2026, capital expenditures were $134 million, compared with $145 million in 2025. Capital expenditures as a percentage of revenue represented 5% and 7%, respectively, for the six months ended June 30, 2026 and 2025. For the six months ended June 30, 2026, cash provided by financing activities was $220 million, compared with cash used in financing activities of $127 million in 2025. The increase in cash provided by financing activities was due primarily to borrowings from the Senior Secured Revolving Credit Facility for the purchase of Trans Union de Mexico, partially offset by higher share repurchase volume in 2026 and dividends paid to shareholders of Trans Union de Mexico.
Third Quarter and Full Year 2026 Outlook
Our guidance is based on a number of assumptions that are subject to change, many of which are outside of the control of the Company, including general macroeconomic conditions, interest rates and inflation. There are numerous evolving factors that we may not be able to accurately predict. There can be no assurance that the Company will achieve the results expressed by this guidance.
| Three Months Ended September 30, 2026 | Twelve Months Ended December 31, 2026 | ||||||||||||||
| (in millions, except per share data) | Low | High | Low | High | |||||||||||
| Revenue, as reported | $ | 1,292 | $ | 1,310 | $ | 5,127 | $ | 5,162 | |||||||
| Revenue growth1: | |||||||||||||||
| As reported | 11 | % | 12 | % | 12 | % | 13 | % | |||||||
| Constant currency1, 2 | 11 | % | 12 | % | 12 | % | 13 | % | |||||||
| Organic constant currency1, 3 | 6 | % | 8 | % | 8 | % | 9 | % | |||||||
| Net income attributable to TransUnion | $ | 132 | $ | 138 | $ | 807 | $ | 821 | |||||||
| Net income attributable to TransUnion growth | 37 | % | 43 | % | 77 | % | 80 | % | |||||||
| Net income attributable to TransUnion margin | 10.2 | % | 10.5 | % | 15.7 | % | 15.9 | % | |||||||
| Diluted Earnings per Share | $ | 0.68 | $ | 0.71 | $ | 4.15 | $ | 4.22 | |||||||
| Diluted Earnings per Share growth | 38 | % | 45 | % | 79 | % | 82 | % | |||||||
| Adjusted EBITDA, as reported5 | $ | 455 | $ | 463 | $ | 1,807 | $ | 1,827 | |||||||
| Adjusted EBITDA growth, as reported4 | 7 | % | 9 | % | 10 | % | 11 | % | |||||||
| Adjusted EBITDA margin | 35.2 | % | 35.4 | % | 35.2 | % | 35.4 | % | |||||||
| Adjusted Diluted Earnings per Share5 | $ | 1.18 | $ | 1.21 | $ | 4.75 | $ | 4.83 | |||||||
| Adjusted Diluted Earnings per Share growth | 7 | % | 10 | % | 11 | % | 12 | % | |||||||
- Additional revenue growth assumptions:
- The impact of changing foreign currency exchange rates is expected to be immaterial for Q3 2026 and for FY 2026.
- The impact of the recent acquisitions is expected to be approximately 4.5 points of benefit for Q3 2026 and approximately 4 points of benefit for FY 2026.
- The impact of FICO mortgage royalty is expected to be approximately 2 points