{"filings":[{"id":1894916,"accession_number":"0001552033-26-000043","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2026-07-28T10:15:32+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"TransUnion Q2 revenue $1.31B (+15% YoY), beats guidance; raises FY2026 outlook","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $1,310M (+15% reported, +10% organic constant currency); net income $143M ($0.74 diluted EPS) vs $110M ($0.56) YoY.","Adjusted diluted EPS $1.23 vs $1.08 YoY; Adjusted EBITDA $456M (+12% reported, +7% organic constant currency).","U.S. Markets revenue +11% led by Financial Services (+18%) and Emerging Verticals (+9%); International organic constant currency +6%.","Raising FY2026 guidance: revenue growth 12-13% (8-9% organic constant currency), adjusted diluted EPS $4.75-$4.83 (11-12% growth).","YTD share repurchases ~$150M; acquisitions of Trans Union de Mexico and RealNetworks mobile division closed."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":471199,"accession_number":"0001552033-26-000032","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2026-05-15T20:16:37+00:00","items":["5.07","9.01"],"status":"ready","headline":"TransUnion stockholders elect all director nominees, ratify auditor, approve say-on-pay at annual meeting","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All 12 director nominees elected; votes ranged from 167.7M (Fradin) to 179.6M (Clark) for; broker non-votes ~4.8M.","Ratification of PwC as auditor for FY2026 passed: 183.6M for, 1.1M against.","Non-binding advisory vote on executive compensation approved: 175.6M for, 4.1M against.","Stockholder proposal for right to call special meeting passed: 129.6M for, 50.2M against."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":93584,"accession_number":"0001552033-26-000025","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2026-04-28T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"TransUnion Q1 revenue $1,246M (+14% YoY), EPS $2.04, raises FY guidance","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $1,246M vs $1,092M in Q1 2025; organic constant currency growth 11%.","Net income attributable to TransUnion $397M ($2.04 diluted EPS) vs $148M ($0.75) YoY, includes $225M gain on Mexico acquisition.","Adjusted EBITDA $438M (+10% YoY); Adjusted EPS $1.18 vs $1.05.","U.S. Markets revenue +14% led by Financial Services (+24%); International flat organic constant currency.","FY 2026 revenue guidance raised to $5,100-5,135M; Adjusted EPS guidance $4.68-4.75."],"consensus_eps_estimate":null,"consensus_eps_actual":2.04,"consensus_revenue_estimate":null,"consensus_revenue_actual":1245700000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":105338,"accession_number":"0001552033-26-000019","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2026-03-10T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"TransUnion unveils medium-term framework: high-single-digit revenue growth, 50bps margin expansion annually","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Medium-term targets: high-single-digit organic constant-currency revenue growth; U.S. Markets high-single-digit, International low-double-digit.","Expects 50bps underlying Adjusted EBITDA margin expansion per year and low-to-mid-teens Adjusted EPS growth with >90% FCF conversion.","Reiterated FY 2026 guidance from Feb 12; Mexico majority acquisition closed Mar 2 will be incorporated with Q1 2026 earnings.","AI-powered OneTru platform and transformation positioned for innovation; increased bias to return capital via share repurchases and dividends."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":105337,"accession_number":"0001552033-26-000006","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2026-02-12T23:59:59+00:00","items":["1.01","2.02","2.03","7.01","9.01"],"status":"ready","headline":"TransUnion Q4 revenue $1.171B (+13% YoY), Adj EPS $1.07; guides FY26 growth 8-9%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $101M ($0.52 diluted EPS) vs $66M ($0.34) a year ago; Adj net income $208M ($1.07 Adj diluted EPS).","US Financial Services revenue grew 19% YoY; Emerging Verticals grew 16%; total US Markets +16%.","Board raised quarterly dividend to $0.125/share from $0.115, payable March 13, 2026 to holders of record Feb 26.","Repurchased ~$150M in shares in Q4, totaling $300M in FY2025; increased revolver capacity to $1.0B.","FY2026 guidance: revenue growth 8-9%, Adj diluted EPS growth 8-10% ($4.63-$4.71)."],"consensus_eps_estimate":null,"consensus_eps_actual":2.32,"consensus_revenue_estimate":null,"consensus_revenue_actual":4576300000.0,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":121613,"accession_number":"0001552033-25-000062","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2025-12-23T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"TransUnion expands board to 12, appoints Chakraborty and Yarkoni as directors","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Board size increased from 10 to 12; appointments effective Jan 5, 2026.","Sayan Chakraborty (former Workday President) appointed to Technology Committee.","Charlotte Yarkoni (former Microsoft President, Commerce & AI) appointed to Compensation Committee.","Both directors to serve until 2026 annual meeting under standard compensation."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":121612,"accession_number":"0001552033-25-000055","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2025-10-23T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"TransUnion Q3 beats: revenue $1.17B (+8%), adj EPS $1.10; raises FY guidance, ups buyback to $1B","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q3 revenue $1,170M (+8% YoY); adjusted diluted EPS $1.10 vs $1.04; reported EPS $0.49 vs $0.35.","U.S. Financial Services revenue +19%, Emerging Verticals +7.5%; International organic constant currency +6%.","Share repurchases of $200M YTD; board increased authorization to $1B.","FY2025 revenue growth guidance raised to 8–8.5%; adj EBITDA guidance $1,622–1,637M.","Operating cash flow $668M YTD, up from $579M prior year on improved performance and lower interest."],"consensus_eps_estimate":null,"consensus_eps_actual":1.8,"consensus_revenue_estimate":null,"consensus_revenue_actual":3405000000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":138275,"accession_number":"0001552033-25-000044","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2025-07-24T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"TransUnion Q2 revenue $1.14B (+10%), beats guidance; raises FY2025 outlook","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $110M ($0.56 EPS) vs $85M ($0.44) YoY; adjusted EPS $1.08 vs $0.99.","U.S. Markets revenue +10% led by Financial Services (+17%); International +6% organic constant currency.","Adjusted EBITDA $407M (+8% YoY); margin 35.7% vs 36.2%.","FY2025 revenue guidance raised to $4.432-4.472B (6-7% growth); adjusted EPS $4.03-4.14.","Delevered to 2.8x; repurchased $47M shares through mid-July; cash $688M."],"consensus_eps_estimate":null,"consensus_eps_actual":1.31,"consensus_revenue_estimate":null,"consensus_revenue_actual":2235500000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":155723,"accession_number":"0001552033-25-000028","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2025-05-09T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"TransUnion stockholders elect all 10 directors, ratify PwC, approve say-on-pay at 2025 annual meeting","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Annual meeting held May 7, 2025; all ten director nominees elected with lowest FOR 162.5M shares for Russell P. Fradin.","Ratification of PricewaterhouseCoopers as independent auditor for FY2025 approved with 180.3M FOR out of 180.9M votes cast.","Advisory vote on named executive officer compensation passed with 167.2M FOR (95.2% of votes cast, excluding broker non-votes)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":155722,"accession_number":"0001552033-25-000023","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2025-04-24T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"TransUnion Q1 2025: Revenue $1,096M (+8% cc); adj. EPS $1.05; maintains FY guidance","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q1 revenue $1,096M, up 7% reported and 8% constant currency; adjusted EBITDA $397M, margin 36.2%.","Adjusted diluted EPS $1.05, up from $0.92 YoY; net income includes $56M lawsuit accrual reversal lift.","FY 2025 guidance maintained: organic constant currency revenue growth 4.5%–6%; adj. EPS $3.93–$4.08.","Leverage ratio reduced to 2.9x; repurchased $10M shares through mid-April; capex $68M in Q1."],"consensus_eps_estimate":null,"consensus_eps_actual":0.75,"consensus_revenue_estimate":null,"consensus_revenue_actual":1095700000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":174219,"accession_number":"0001552033-25-000019","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2025-02-24T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"TransUnion removes 10-year term from employee stock purchase plan","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board amended ESPP on Feb 19, 2025, eliminating the previous ten-year term.","Plan now terminates upon the earlier of Board action or issuance of all 5,400,000 shares.","Change extends ESPP duration indefinitely until reserved shares are exhausted."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":174218,"accession_number":"0001552033-25-000012","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2025-02-13T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"TransUnion beats Q4 guidance; revenue $1.037B (+9%), adj. EPS $0.97; new $500M buyback, dividend raised to $0.115","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 revenue $1,037M (+9% YoY); net income $66M vs $6M; adjusted EBITDA $378M, margin 36% vs 34%.","Q4 adjusted diluted EPS $0.97 (vs $0.80) beat guidance; U.S. Markets revenue +8%, Financial Services +21%.","International revenue $245M (+11%); Consumer Interactive -11% but new freemium offering with Credit Sesame announced.","FY2025 guidance: revenue growth 3.5-5% as reported, 4.5-6% organic constant currency; Q1 rev $1,060-$1,074M.","New capital allocation: leverage target cut to <2.5x, quarterly dividend raised to $0.115, new $500M share repurchase authorization."],"consensus_eps_estimate":null,"consensus_eps_actual":1.45,"consensus_revenue_estimate":null,"consensus_revenue_actual":4183800000.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":174217,"accession_number":"0001552033-25-000006","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2025-02-05T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"TransUnion EVP Chief Global Solutions Officer to retire by Sept 2026 under transition agreement","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Tim Martin notified retirement Nov 2024; will stay as Chief Global Solutions Officer until successor starts.","Post-succession, he serves as EVP Strategic Advisor at $500k base salary (down from $612k).","Eligible for 2024 & 2025 annual bonuses at 100% target; expected 2025 LTI grant of $1M in RSUs/PSUs.","No severance benefits; obligations under existing restrictive covenant and equity plans continue.","Post-retirement perquisites: executive physical and financial counseling reimbursements through Sept 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":174216,"accession_number":"0001552033-25-000003","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2025-01-16T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"TransUnion to acquire majority of Buró de Crédito consumer credit business for ~$560M","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Cash consideration MXN 11.5B (~$560M) for an additional 68% stake, raising ownership to ~94%.","Target expected 2024 revenue of $145M and Adj. EBITDA of $70M; deal accretive to adjusted EPS in first year.","Transaction expected to close by end of 2025, subject to regulatory approvals and customary conditions.","Financed through debt and cash on hand; strengthens TransUnion's position as largest credit bureau in Spanish-speaking Latin America.","Excludes Buró de Crédito's commercial credit business; TransUnion plans to leverage global operating model for growth."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":191146,"accession_number":"0001552033-24-000082","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2024-12-17T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"TransUnion completes $2.31B debt refinancing; new loans mature June 2031","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Refinanced $1.885B of 2024 Replacement Term B-7 Loans with new 2024 Refinancing Term B-9 Loans.","Refinanced $425M of 2019 Replacement Term B-5 Loans with upsized 2024 Refinancing Term B-8 Loans.","New Term B-9 Loans bear interest at SOFR + 1.75% (0.50% floor) or base rate + 0.75%.","Quarterly amortization: $4.714M for Term B-9 and $4.815M for Term B-8; both mature June 24, 2031.","Remaining $149.5M of 2019 Replacement Term B-5 Loans still outstanding."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":191145,"accession_number":"0001552033-24-000078","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2024-11-13T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"TransUnion director Bosworth resigns; EVP Martin to retire by Sept 2026","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["William P. Bosworth resigns from Board effective Dec 31, 2024; no disagreement with management.","Board size reduced from 11 to 10 members, effective Jan 1, 2025.","EVP & Chief Global Solutions Officer Timothy J. Martin plans to retire by Sept 2026.","Successor search underway for Martin; will stay in role until named, then advisory until retirement."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":191144,"accession_number":"0001552033-24-000072","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2024-10-23T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"TransUnion Q3 revenue up 12% to $1.085B, adjusted EPS $1.04; raises FY guidance","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q3 revenue $1,085M (+12% YoY); net income $68M vs loss $319M; adjusted EPS $1.04 vs $0.91","U.S. Markets revenue $848M (+12%); Financial Services +17%, Consumer Interactive +21%","International revenue $242M (+11% CC); India +23% CC, Latin America +13% CC","Prepaid $105M debt YTD; raising FY2024 guidance: ~9% rev growth, adj EPS $3.87-$3.93","Adj EBITDA $394M (+11%); margin 36.3%; Q4 outlook rev $1.014-$1.034B"],"consensus_eps_estimate":null,"consensus_eps_actual":1.11,"consensus_revenue_estimate":null,"consensus_revenue_actual":3147000000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":207623,"accession_number":"0001552033-24-000063","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2024-07-25T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"TransUnion Q2 revenue +8% to $1.04B, adj. EPS $0.99; raises FY2024 guidance","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total revenue $1,041M (+8% YoY); net income $85M ($0.44 diluted EPS) vs $54M ($0.28) a year ago.","Adjusted diluted EPS $0.99 vs $0.86 YoY; Adjusted EBITDA $377M (+11%), margin 36.2% vs 35.0%.","U.S. Markets revenue $809M (+6%) led by Financial Services +11%; International $235M (+13%) with India +25%.","Raised FY2024 guidance: revenue growth 7-8%; adj. EPS $3.78-$3.90; expects large breach remediation win in H2.","Voluntarily prepaid $80M debt and refinanced to extend maturities and reduce interest expense."],"consensus_eps_estimate":null,"consensus_eps_actual":0.77,"consensus_revenue_estimate":null,"consensus_revenue_actual":2062000000.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":225083,"accession_number":"0001552033-24-000057","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2024-06-27T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"TransUnion closes $1.5B term loan refinancing; extends revolver maturity to 2029","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $1.5B 2024 Refinancing Term B-8 Loans to refinance 2019 Term B-5 loans.","B-8 Loans bear interest at SOFR + 1.75% or base rate + 0.75%; mature June 2031.","Quarterly amortization of $3.75M starting Sept 30, 2024.","Revolving credit facility and Term A-4 Loans maturity extended to June 24, 2029.","$679.5M of 2019 Term B-5 Loans remain outstanding post-refinancing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":225082,"accession_number":"0001552033-24-000043","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2024-05-07T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"TransUnion shareholders approve all five proposals at 2024 annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All 11 director nominees elected with majority support; no dissident candidates.","PricewaterhouseCoopers ratified as independent auditor for FY 2024.","Advisory say-on-pay approved with ~95% of votes cast in favor.","Omnibus Incentive Plan amended: shares authorized increased by 4M, term extended to 2034.","Employee Stock Purchase Plan amended: shares authorized increased by 3M."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.15,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":225081,"accession_number":"0001552033-24-000037","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2024-04-25T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"TransUnion Q1 revenue $1,021M (+9% YoY), first $1B quarter; raises FY2024 guidance","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $1,021M (+9% YoY); net income $65M ($0.33 EPS) vs $53M ($0.27) prior year.","Adjusted net income $179M, adj. EPS $0.92 (prior $0.80); adjusted EBITDA $358M, margin 35.1%.","U.S. Markets +7% ($789M), International +16% ($236M); Financial Services +13%, India +30%.","FY2024 guidance raised: revenue growth 5-6.5%, adj. EBITDA $1,433-$1,475M, adj. EPS $3.69-$3.86.","Exceeded Q1 guidance; transformation progress with OneTru platform and Global Capability Centers."],"consensus_eps_estimate":null,"consensus_eps_actual":0.33,"consensus_revenue_estimate":null,"consensus_revenue_actual":1021200000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.9,"calibrated_materiality_score":0.9,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":225080,"accession_number":"0001552033-24-000031","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2024-04-23T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"TransUnion merges Consumer Interactive into U.S. Markets segment; recasts historical segment data for 2022-2023","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["New reportable segments: U.S. Markets (includes Consumer Interactive) and International.","Total 2023 revenue recast as $3.83B: U.S. Markets $2.99B, International $850.4M.","Full-year 2023 Adjusted EBITDA margin: U.S. Markets 37.4%, International 43.2%.","Certain prior acquisitions' revenue moved to Emerging Verticals within U.S. Markets.","Recast quarterly data for 2022 and 2023 provided in Exhibit 99.1 to aid year-over-year comparisons."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":244302,"accession_number":"0001552033-24-000022","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2024-02-27T23:59:59+00:00","items":["5.02","5.03","9.01"],"status":"ready","headline":"TransUnion adopts proxy access bylaws and approves 2024 LTI awards for NEOs","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Proxy access allows holders of 3%+ for 3 years (up to 20 stockholders) to nominate up to 20% of board or 2 directors.","Compensation Committee approved 2024 LTI awards of PSUs and RSUs for CEO Cartwright ($10.2M total), CFO Cello ($2.75M), and two others.","PSU metric changed from Cumulative Adjusted EBITDA to Cumulative Adjusted Diluted EPS, consistent with prior plan except this change.","Fifth Amended and Restated Bylaws effective Feb 21, 2024 include proxy access and technical changes."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":244301,"accession_number":"0001552033-24-000017","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2024-02-13T23:59:59+00:00","items":["1.01","2.02","2.03","7.01","9.01"],"status":"ready","headline":"TransUnion Q4 revenue $954M (+6% YoY); guides FY2024 rev 3-5%; refinances $1.9B debt","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 2023 revenue $954M (+6% YoY); adjusted diluted EPS $0.80 vs $0.78 prior year; net income $6M.","Announced transformation plan targeting $120-140M annualized opex savings and $70-80M capex reduction by 2026.","Refinanced $1.895B Senior Secured Term Loan B-7 at SOFR+2.00%, matures Dec 1, 2028.","FY2024 guidance: revenue growth 3-5%, adjusted diluted EPS $3.57-$3.74; Q1 revenue $971-980M.","Identified material weakness in internal control over financial reporting due to cost classification error."],"consensus_eps_estimate":null,"consensus_eps_actual":-1.07,"consensus_revenue_estimate":null,"consensus_revenue_actual":3831200000.0,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":244300,"accession_number":"0001552033-24-000003","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2024-01-08T23:59:59+00:00","items":["4.02","7.01","9.01"],"status":"ready","headline":"TransUnion restates Q3 2023 results, cites $80M goodwill error and material weakness","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Q3 2023 interim financial statements restated due to ~$80M overstatement of non-cash goodwill impairment (UK reporting unit).","Computational error in manual translation of USD-equivalent revenue base year forecast caused the misstatement.","Material weakness in internal control over financial reporting identified; disclosure controls ineffective as of Sep 30, 2023.","No impact on cash flows, debt covenants, executive compensation, or non-GAAP measures.","Company plans to file amended 10-Q/A as soon as practicable."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":261721,"accession_number":"0001552033-23-000057","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2023-11-15T23:59:59+00:00","items":["2.05","7.01","9.01"],"status":"ready","headline":"TransUnion restructuring: ~10% workforce impact, targets $120M-$140M annual savings by 2026","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["One-time pre-tax costs $355M-$375M through 2025; majority incurred by end of 2024.","Plan impacts ~10% of global workforce via role transitions to Global Capability Centers and eliminations.","Expects $120M-$140M annualized operating expense savings and $70M-$80M capex reduction by 2026 vs 2023.","Project Rise cloud migration to complete by end 2024; OneTru platform leverages Neustar technology.","CapEx to rise to 9% of revenue in 2024, then drop to 6% by 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":261720,"accession_number":"0001552033-23-000053","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2023-10-27T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"TransUnion refinances $1.9B in credit facilities; increases revolver by $300M","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Entered $1.3B 2023 Refinancing Term A-4 Loans and $600M New Revolving Credit Commitments (up $300M).","Proceeds used to refinance $1.0B Term A-3 Loans and prepay $300M of Term B-6 Loans.","New loans mature Oct 27, 2028; quarterly amortization: $8.125M for first 8 quarters, then $16.25M.","Interest rates: SOFR + margin 1.25%-2.00% (0.10% CSA) or base rate + margin 0.25%-1.00%."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":261719,"accession_number":"0001552033-23-000047","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2023-10-24T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"TransUnion reports Q3 net loss of $400M on $495M UK goodwill impairment; cuts FY revenue growth to 2-3%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $969M (+3% YoY); GAAP diluted EPS $(2.07) vs $0.41; adjusted EPS $0.91 vs $0.93.","Non-cash goodwill impairment of $495M for UK reporting unit due to worsening macro conditions affecting FinTech lenders.","U.S. Markets revenue +2%; International +12% (India +26%); Consumer Interactive -3%.","Prepaid $75M debt in Q3, YTD $225M; cash from operations $444M for nine months.","FY2023 guidance revised: revenue growth 2-3%, adjusted EBITDA $1.32-1.333B, adjusted EPS $3.24-3.28."],"consensus_eps_estimate":null,"consensus_eps_actual":-1.52,"consensus_revenue_estimate":null,"consensus_revenue_actual":2876900000.0,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":261718,"accession_number":"0001552033-23-000043","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2023-10-12T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"TransUnion settles CFPB/FTC matters for $23M in penalties and redress","summary_kind":"llm","event_type":"regulatory","confidence":"high","bullets":["TURSS settlement: $11M redress + $4M civil penalty for alleged FCRA violations in rental screening.","Security freeze settlement: $3M redress + $5M civil penalty for failure to timely place/lift freezes.","TURSS Consent Order requires changes to eviction record reporting and adverse action templates.","Security Freeze Consent Order requires comprehensive compliance plan to be submitted to CFPB.","Company maintains its practices were lawful but settled to resolve the issues."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":278927,"accession_number":"0001552033-23-000037","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2023-07-25T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"TransUnion Q2 revenue $968M (+2%); net income $54M vs $96M YoY; FY guidance maintained","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $968M, +2% (3% constant currency); International +8% (13% CC) led by India (+27%, 35% CC).","GAAP diluted EPS $0.28 vs $0.49; adjusted diluted EPS $0.86 vs $0.98; Adjusted EBITDA $339M, margin 35.0%.","Prepaid $75M debt in Q2 ($150M YTD); cash $442M; FY 2023 revenue guidance $3,825-3,885M, adj. EPS $3.49-3.62.","Non-cash classification error corrected (cost of services vs SG&A), no impact on operating income or net income.","Strategic minority investment and partnership in Truework for income/employment verification solutions."],"consensus_eps_estimate":null,"consensus_eps_actual":0.55,"consensus_revenue_estimate":null,"consensus_revenue_actual":1908200000.0,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":297229,"accession_number":"0001552033-23-000034","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2023-05-30T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"TransUnion grants special PSUs to CEO & NEOs; boosts Achanta's compensation as CTO role expands","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["CEO Cartwright receives $3.6M special PSU; CFO Cello $2.5M; Achanta $2.5M; Chaouki $2.2M, all vesting on relative TSR and absolute stock price growth over 3 years.","Venkat Achanta elevated to EVP, Chief Technology, Data & Analytics Officer effective July 1, 2023; base salary raised from $600K to $700K, bonus target 100%, LTI target increased to $2.5M.","Achanta also granted a one-time $300K equity award (50% RSUs, 50% PSUs) vesting over 38 months and based on Adjusted EBITDA, Revenue, and relative TSR.","CIO Abhinav Dhar previously announced resignation effective July 1, 2023; his responsibilities folded into Achanta's role."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":297228,"accession_number":"0001552033-23-000030","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2023-05-11T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"TransUnion CIO Abhinav Dhar to resign; Venkat Achanta to assume expanded role","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Abhinav Dhar resigns as EVP, Chief Information & Technology Officer effective July 1, 2023.","Dhar will serve as Strategic Advisor through September 1, 2023, then leave the company.","Venkat Achanta, EVP Chief Data & Analytics Officer, will add CIO responsibilities effective July 1, 2023.","Dhar remains a non-independent director of TransUnion CIBIL Limited, a subsidiary."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":297227,"accession_number":"0001552033-23-000027","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2023-05-09T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"TransUnion shareholders elect all 11 director nominees, ratify PwC, approve say-on-pay","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All 11 director nominees elected with >163M votes each; Russell P. Fradin received lowest support at 163.4M for vs 12.3M against.","Ratification of PricewaterhouseCoopers as auditor for FY2023 approved with 179.3M for (99.5% of votes cast).","Non-binding advisory vote on named executive officer compensation passed with 167.7M for (95.4% of votes cast excluding broker non-votes).","Annual meeting held May 4, 2023; results filed May 9, 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.15,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":297226,"accession_number":"0001552033-23-000024","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2023-04-25T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"TransUnion Q1 revenue $940M (+2% YoY), adjusted EPS $0.80 vs $0.93; maintains FY guidance","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $940M (+2% reported, +4% constant currency); net income $53M ($0.27 diluted EPS).","Adjusted EBITDA $322M (34.3% margin), down 4% YoY; adjusted diluted EPS $0.80 vs $0.93.","International revenue +12% constant currency; India +32% constant currency; UK -8% constant currency.","Prepaid $75M debt in Q1; plans further prepayments in Q2 and rest of year.","Q2 2023 guidance: revenue $948-958M, adjusted EBITDA $330-335M, adjusted EPS $0.81-0.83; full-year guidance maintained."],"consensus_eps_estimate":null,"consensus_eps_actual":0.27,"consensus_revenue_estimate":null,"consensus_revenue_actual":940300000.0,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":317598,"accession_number":"0001552033-23-000014","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2023-02-14T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"TransUnion Q4 revenue $902M (+14%); adj EPS $0.78; FY23 guidance 3-5% revenue growth","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total revenue $902M (+14% reported, 2% organic constant currency ex-mortgage); net income $46M vs $1,017M (prior year included $982M Healthcare gain).","Adjusted diluted EPS $0.78 vs $0.81; adjusted EBITDA $321M (+14%, margin 35.6%).","U.S. Markets revenue $593M (+23%, -4% organic); International $188M (+12% cc); Consumer Interactive $141M (-2%).","Neustar revenue grew 8% in Q4; sold non-core businesses for $176M; prepaid $200M debt in Q4 ($600M total in 2022).","FY23 guidance: revenue growth 3%-5%, adj. EBITDA $1,388-1,421M, adj. diluted EPS $3.46-3.59."],"consensus_eps_estimate":null,"consensus_eps_actual":1.4,"consensus_revenue_estimate":null,"consensus_revenue_actual":3709900000.0,"consensus_period":"2022-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":317597,"accession_number":"0001552033-23-000009","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2023-02-13T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"TransUnion recasts U.S. Markets segment revenue to reflect Neustar sales integration","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Neustar revenue previously in Emerging Verticals partially reclassified to Financial Services from Q4 2022.","Recast historical revenue tables provided for Q1-Q3 2022, nine months 2022, Q4 2021, and full year 2021.","U.S. Markets revenue for nine months ended Sep 30, 2022: $1,854.4M; FY 2021: $1,791.0M.","Recast has no net impact on overall 2022 financial statements.","Change aligns reporting with integrated sales team structure effective Q4 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":317596,"accession_number":"0001552033-23-000003","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2023-01-30T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"TransUnion appoints Linda Zukauckas to board; Andrew Prozes to retire March 31","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Linda Zukauckas, CFO of Nielsen Holdings, appointed as TransUnion director effective Jan 30, 2023.","Zukauckas will serve on the Audit Committee; board size increased to 12 then back to 11 upon Prozes retirement.","Andrew Prozes will retire from the board on March 31, 2023; not due to any disagreement with management.","Zukauckas brings experience from Nielsen, American Express, and Ally Financial; compensated per standard policies."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":335831,"accession_number":"0001552033-22-000063","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2022-11-23T23:59:59+00:00","items":["5.03","9.01"],"status":"ready","headline":"TransUnion amends bylaws to align with universal proxy rules, enhance stockholder procedures","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board adopted Fourth Amended and Restated Bylaws effective November 18, 2022.","Amendments address SEC universal proxy rules, requiring compliance with Rule 14a-19 for nominee solicitations.","Enhanced disclosure requirements for stockholder nominations of directors and proposals at meetings.","Includes technical, modernizing, and clarifying changes to governance mechanics."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":335830,"accession_number":"0001552033-22-000053","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2022-10-25T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"TransUnion Q3 revenue up 26% to $938M, net income down 31%; guidance lowered","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $938M (+26% YoY, +1% organic constant currency); net income $79M vs $114M; diluted EPS $0.41 vs $0.59.","Adjusted EBITDA $341M (+13%), margin 36.3% vs 40.6%; adjusted diluted EPS $0.93 vs $0.91.","U.S. Markets revenue $621M (+38% as reported, -2% organic); Financial Services $291M (+5%), Emerging Verticals $330M (+91%).","International revenue $189M (+6%, +16% constant currency) led by India (+29%) and Asia Pacific (+20%).","Guides Q4 revenue $896-916M; FY22 organic revenue ex-mortgage ~7%; adjusts for FX headwinds and moderating US Markets growth."],"consensus_eps_estimate":null,"consensus_eps_actual":1.15,"consensus_revenue_estimate":null,"consensus_revenue_actual":2807800000.0,"consensus_period":"2022-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.72,"calibrated_materiality_score":0.72,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":353255,"accession_number":"0001552033-22-000047","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2022-07-26T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"TransUnion Q2 revenue up 30% to $948M; adjusted EPS $0.98; revises FY guidance for FX and mortgage headwinds","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $948M (+30% YoY, +5% organic constant currency); net income $96M ($0.49 diluted EPS) vs $128M ($0.66) prior year.","Adjusted EBITDA $350M (+19% YoY); margin 36.9% vs 40.6% last year.","Guidance: FY 2022 organic constant currency growth 4-5% ex-mortgage; adjusted diluted EPS $3.70-$3.85.","Expects U.S. mortgage revenue down 30-35% due to 40-45% inquiry declines.","Completed Verisk Financial Services acquisition for $508M in April 2022; prepaid $400M debt in January 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":0.75,"consensus_revenue_estimate":null,"consensus_revenue_actual":1869500000.0,"consensus_period":"2022-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":353254,"accession_number":"0001552033-22-000040","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2022-07-07T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"TransUnion appoints Hamidou Dia and Ravi Kumar to Board; size expands to 11","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Board increased from 9 to 11 members; Dia and Kumar appointed effective July 7, 2022.","Dia (VP, Google Cloud) serves on Audit and Technology Committees; Kumar (President, Infosys) on Compensation and M&A Committees.","New Risk and Compliance Committee formed; committee charters amended and posted on investor relations site.","Dia brings cloud and digital transformation expertise; Kumar brings IT consulting and global services experience.","Both directors will receive standard non-employee director compensation; no arrangements requiring disclosure."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":370958,"accession_number":"0001552033-22-000035","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2022-06-07T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"TransUnion appoints Jennifer A. Williams as Chief Accounting Officer effective June 21, 2022","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Jennifer A. Williams named SVP, Chief Accounting Officer, replacing Todd M. Cello as principal accounting officer.","Williams joins from Duly Health and Care where she served as CAO; prior CAO at CDK Global (NASDAQ:CDK).","Williams is a CPA with over 25 years of finance and accounting experience, including roles at GE and Delphi.","No family relationships or material interests requiring disclosure under Item 404(a) exist.","Compensation will be commensurate with other SVP-level executives at TransUnion."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":370957,"accession_number":"0001552033-22-000031","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2022-05-16T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"TransUnion shareholders elect all director nominees, ratify PwC, approve say-on-pay","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All nine director nominees elected; Russell P. Fradin received lowest support: 151.6M for, 24.7M against.","Ratification of PricewaterhouseCoopers as auditor for 2022 approved: 180.4M for, 0.1M against.","Non-binding advisory vote on executive compensation approved: 167.9M for, 8.1M against.","Stockholders voted for annual frequency of advisory votes on executive compensation: 175.3M for one year, 1.1M for three years."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":370956,"accession_number":"0001552033-22-000021","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2022-04-26T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"TransUnion Q1 revenue $921M (+32% YoY); raises FY22 organic growth guidance to 10%-12%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Adjusted diluted EPS $0.93 vs $0.83 YoY; net income $48M impacted by $30M CFPB charge.","U.S. Markets revenue $600M (+42% overall, +7% organic); Emerging Verticals (incl. Neustar) +104%.","International grew 15% (18% constant currency); India +33%, Latin America +13%.","Closed Verisk Financial Services for ~$515M cash on Apr 8; will retain Argus and Commerce Signals.","CFPB filed lawsuit on Apr 12; accrued liability $56M; company says it will vigorously defend."],"consensus_eps_estimate":null,"consensus_eps_actual":0.25,"consensus_revenue_estimate":null,"consensus_revenue_actual":921300000.0,"consensus_period":"2022-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":389977,"accession_number":"0001552033-22-000011","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2022-03-15T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"TransUnion holds 2022 Investor Day, reiterates FY 2022 guidance, sets 2025 targets: >$5B revenue","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Reaffirms FY 2022 outlook: revenue $3.752B-$3.810B (27-29% growth), Adj. EBITDA $1.386B-$1.424B, Adj. diluted EPS $3.84-$4.00.","Sets 2025 financial targets: >$5B revenue, >$2B Adj. EBITDA, >$6.00 Adj. diluted EPS.","Aims for 8-10% organic constant currency revenue growth (2023-2025 average) and 40%+ Adj. EBITDA margin by 2025.","Plans to generate over $3B free cash flow from 2022 to 2025.","Notes planned acquisition of Verisk Financial Services, expected close in Q2 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":389976,"accession_number":"0001193125-22-073425","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2022-03-11T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"TransUnion CAO Tim Elberfeld resigns; CFO Todd Cello named interim principal accounting officer","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Timothy Elberfeld resigns as SVP, Chief Accounting Officer, effective April 2, 2022; departure not related to any accounting disagreements.","CFO Todd M. Cello appointed as principal accounting officer on interim basis starting April 2, 2022.","Cello, 46, has been CFO since Aug 2017, joined TransUnion in 1997; will not receive additional compensation for this role.","Company will conduct a search to identify a permanent successor to Elberfeld."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":13825687503.982214,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":389975,"accession_number":"0001552033-22-000007","cik":1552033,"company_name":"TransUnion","ticker":"TRU","form_type":"8-K","filed_at":"2022-02-22T23:59:59+00:00","items":["2.02","7.01","8.01","9.01"],"status":"ready","headline":"TransUnion Q4 revenue +21% to $790M, adj. 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