TRU

EX-99.1

2 exhibit99106302026.htm

EX-99.1

Document

Exhibit 99.1

News Release

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 28, 2026 – 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 Verticals354 9 %9 %9 %

Consumer Interactive142 (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, 20

EX-99.1

2 exhibit99103312026.htm

EX-99.1

Document

Exhibit 99.1

News Release

TransUnion Announces Strong First Quarter 2026 Results

•Exceeded revenue, Adjusted EBITDA and Adjusted Diluted Earnings Per Share guidance

•Delivered 14 percent revenue growth, or 11 percent organic constant currency, led by U.S. Financial Services

•Completed the acquisition of majority ownership interest in Trans Union de Mexico

•Raising our full year 2026 financial guidance to reflect recent acquisitions while maintaining our organic constant currency growth assumptions

CHICAGO, April 28, 2026 – TransUnion (NYSE: TRU) (the “Company”) today announced financial results for the quarter ended March 31, 2026.

First Quarter 2026 Results

Revenue:

•Total revenue for the quarter was $1,246 million, an increase of 14 percent (13 percent on a constant currency basis and 11 percent on an organic constant currency basis), compared with the first quarter of 2025.

Earnings:

•Net income attributable to TransUnion was $397 million for the quarter, compared with $148 million for the first quarter of 2025 primarily due to a $225 million gain on our previously held equity interest in Trans Union de México, S.A., S.I.C. (“Trans Union de Mexico”), partially offset by a $56 million reduction of an accrual for a lawsuit that was dismissed in the first quarter of 2025. Diluted earnings per share was $2.04, compared with $0.75 in the first quarter of 2025. Net income attributable to TransUnion margin was 31.9 percent, compared with 13.5 percent in the first quarter of 2025.

•Adjusted Net Income was $230 million for the quarter, compared with $208 million for the first quarter of 2025. Adjusted Diluted Earnings per Share was $1.18, compared with $1.05 in the first quarter of 2025.

•Adjusted EBITDA was $438 million for the quarter, compared with $397 million for the first quarter of 2025, an increase of 10 percent (9 percent on a constant currency basis and 7 percent on an organic constant currency basis). Adjusted EBITDA margin was 35.2 percent, compared with 36.2 percent in the first quarter of 2025.

“In the first quarter, TransUnion delivered another strong quarter of outperformance,” said Chris Cartwright, President and CEO. “U.S. Markets revenue grew by 14 percent, led by U.S. Financial Services and Insurance. International was flat on an organic constant currency basis, with high-single digit growth in Canada and the U.K. and 10 percent growth in Africa.”

“We are raising our 2026 guidance primarily to reflect the completed acquisition of majority ownership in Trans Union de Mexico. Our guidance balances outperformance in the first quarter and healthy underlying trends against market uncertainty and prudent guidance conservatism.”

“As laid out during our Investor Day, we have entered a period of innovation-led and scalable growth, increasing cash generation, and accretive capital deployment. Over the course of the year, we expect strong free cash flow to enable debt prepayments and greater return of capital to shareholders.”

First Quarter 2026 Segment Results

Segment revenue, Adjusted EBITDA and the related growth rates in the table below include the results of Trans Union de Mexico beginning on the date we acquired the majority interest. The results of this business are reported in the International Segment within Latin America.

(in millions)

First Quarter 2026

Reported Growth Rate

Constant Currency Growth Rate

Organic Constant Currency Growth Rate

U.S. Markets:

Financial Services$501 24 %24 %24 %

Emerging Verticals335 6 %6 %6 %

Consumer Interactive140 1 %1 %— %

Total U.S. Markets Revenue $975 14 %14 %14 %

U.S. Markets Adjusted EBITDA $357 11 %11 %11 %

International:

Canada $43 14 %9 %9 %

Latin America 54 64 %56 %— %

United Kingdom 72 23 %15 %7 %

Africa 21 23 %10 %10 %

India 62 (10)%(5)%(5)%

Asia Pacific 22 (18)%(18)%(18)%

Total International Revenue $274 13 %10 %— %

International Adjusted EBITDA $122 11 %8 %(2)%

Liquidity and Capital Resources

Cash and cash equivalents was $733 million at March 31, 2026 and $854 million at December 31, 2025.

For the three months ended March 31, 2026, cash provided by operating activities was $84 million, compared with $53 million in 2025. The increase in cash provided by operating activities was due primarily to improved operating performance, partially offset by changes in working capital. For the three months ended March 31, 2026, cash used in investing activities was $587 million, compared with $87 million in 2025. The increase in cash used in investing activities was due primarily to our acquisition of Trans Union de Mexico, partially offset by proceeds from the sale of two Cost Method Investments and a prior year investment in a note receivable. For the three months ended March 31, 2026, capital expenditures were $65 million, compared with $68 million in 2025. Capital expenditures as a percentage of revenue represented 5% and 6%, respectively, for the three months ended

ck0001552033-202602110001552033false00015520332026-02-112026-02-11

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date Earliest Event Reported): February 11, 2026

TransUnion

(Exact name of registrant as specified in its charter)

Delaware001-3747061-1678417 (State or other jurisdiction of incorporation)(Commission File Number)(IRS Employer Identification No.)

555 West Adams Street,Chicago,Illinois60661 (Address of Principal Executive Offices)(Zip Code)

Registrant’s telephone number, including area code: (312) 985-2000

Check the appropriate box below if the Form 8−K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐    Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐    Soliciting material pursuant to Rule 14a−12 under the Exchange Act (17 CFR 240.14a−12) ☐    Pre−commencement communications pursuant to Rule 14d−2(b) under the Exchange Act (17 CFR 240.14d−2(b)) ☐    Pre−commencement communications pursuant to Rule 13e−4(c) under the Exchange Act (17 CFR 240.13e− 4(c)) Securities registered pursuant to Section 12(b) of the Act:

Title of each classTrading Symbol(s)Name of each exchange on which registered Common Stock, $0.01 par valueTRUNew York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 1.01 Entry into a Material Definitive Agreement. On February 11, 2026, TransUnion Intermediate Holdings, Inc. (“Holdings”), Trans Union LLC (the “Borrower”), certain wholly-owned subsidiaries of TransUnion (the “Company”), Deutsche Bank AG New York Branch, as the administrative agent and the collateral agent, and the lenders party thereto, entered into Amendment No. 25 (the “Amendment”) to the Third Amended and Restated Credit Agreement, dated as of August 9, 2017 (as amended, amended and restated, supplemented and/or otherwise modified from time to time, including pursuant to the Amendment, the “Credit Agreement”). Capitalized terms used and not otherwise defined herein have the respective meanings given such terms in the Credit Agreement. Pursuant to the Amendment, the Credit Agreement was amended to establish $400,000,000 of incremental revolving credit commitments (the “Incremental Commitments”) under the Revolving Credit Facility. Immediately after giving effect to the incurrence of the Incremental Commitments, the aggregate amount of Revolving Credit Commitments under the Credit Agreement was $1,000,000,000. In addition, all of the obligations under the Loan Documents were reaffirmed in all respects. Holdings and its direct and indirect wholly-owned subsidiaries party to the Credit Agreement and ancillary agreements and documents (other than the Borrower) continue to provide an unconditional guaranty of all amounts owing under the Credit Agreement. With certain exceptions, the obligations are secured by a first-priority security interest in substantially all of the assets of the Borrower, Holdings and the other guarantors, including their investments in subsidiaries. The Credit Agreement continues to contain various restrictions and nonfinancial covenants, including restrictions on dividends, investments, dispositions, future borrowings and other specified payments. The Incremental Commitments have the same terms as the Revolving Credit Commitments in effect immediately prior to the Amendment. Item 2.02 Results of Operations and Financial Condition. On February 12, 2026, TransUnion issued a press release announcing results for the quarter ended December 31, 2025. A copy of the press release is attached hereto as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference. The information furnished pursuant to this Item 2.02, including Exhibit 99.1, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities under that Section and shall not be deemed to be incorporated by reference in any filing made by the Company under the Securities Act of 1933, as amended (the “Securities Act”), or the Exchange Act. Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The information set f