By Townhall Chicago News Staff
TransUnion on Monday reported third-quarter revenue of $1.312 billion, a 12 percent increase over the same period last year, as the Chicago-headquartered credit reporting company exceeded the high end of its own guidance.
The results reflect strength in the company’s financial services, insurance and international business lines and offer a snapshot of consumer credit trends as rising interest rates and economic uncertainty continue to shape the lending landscape.
“TransUnion delivered another quarter of strong results exceeding our guidance,” Chris Cartwright, president and CEO, said in the earnings release. “U.S. Markets revenue grew by 7 percent, led by U.S. Financial Services and Insurance. International accelerated to 10 percent growth on an organic constant currency basis, including 18 percent growth in India.”
Net income attributable to TransUnion was $156 million for the quarter, up from $97 million in the third quarter of 2025. Diluted earnings per share came in at $0.81, compared with $0.49 a year earlier. Adjusted Diluted Earnings per Share reached $1.25, a 14 percent increase over $1.10 in the prior year period. Adjusted EBITDA was $465 million, up 9 percent from $425 million a year ago.
U.S. Markets revenue totaled $977 million, a 7 percent increase. Financial Services led with 11 percent growth to $485 million. Emerging Verticals grew 6 percent to $351 million. Consumer Interactive declined 3 percent to $140 million.
International revenue surged 30 percent on a reported basis to $339 million, driven in part by the acquisition of Trans Union de Mexico. On an organic constant currency basis, international growth was 10 percent. India posted 18 percent organic constant currency growth, reaching $74 million.
TransUnion’s board of directors raised its share repurchase authorization by $1 billion to $2 billion in total on Oct. 26. The board also declared a cash dividend of $0.135 per share, up from $0.125, for the third quarter, payable Nov. 25 to shareholders of record on Nov. 10.
The company has repurchased $243 million in shares year-to-date and expects to repurchase up to $500 million total in 2026, according to the release.
“Progress against our technology modernization and accelerated innovation underpin these results,” Cartwright said in the release. “We believe our growth momentum, increasing cash flow and strong balance sheet support an accelerated pace of capital return to shareholders in the near term.”
For the full year, TransUnion raised its guidance for Adjusted Diluted Earnings per Share while maintaining the high end of its revenue outlook. The company projects full-year 2026 revenue between $5.131 billion and $5.162 billion, representing 12 to 13 percent growth. Full-year Adjusted Diluted Earnings per Share is projected between $4.81 and $4.88.
Cash provided by operating activities for the first nine months of 2026 was $889 million, up from $668 million in the same period of 2025.
TransUnion employs more than 13,000 people worldwide and is headquartered on the Near West Side of Chicago. The company’s conference call with investors was scheduled for Thursday morning.
