{"schema_version":"secwatch.filing_event.v1","accession":"0001552033-22-000053","form_type":"8-K","ticker":"TRU","cik":"0001552033","company_name":"TransUnion","filed_at":"2022-10-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:51.116185+00:00","generated_at":"2026-06-23T01:17:53.728153+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.72,"calibrated_materiality_score":0.72,"confidence":"high","headline":"TransUnion Q3 revenue up 26% to $938M, net income down 31%; guidance lowered","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001552033-22-000053","json":"https://secwatch.observer/filing/0001552033-22-000053.json","markdown":"https://secwatch.observer/filing/0001552033-22-000053.md","text":"https://secwatch.observer/filing/0001552033-22-000053.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1552033/000155203322000053/0001552033-22-000053-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1552033/000155203322000053/ck0001552033-20221025.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T01:17:53.728153+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}