---
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"
generated_at: "2026-06-23T01:17:53.728153+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.72
calibrated_materiality_score: 0.72
confidence: "high"
source: SEC EDGAR
---

# TransUnion Q3 revenue up 26% to $938M, net income down 31%; guidance lowered

## Summary
- 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.

## SEC filing metadata
- accession: 0001552033-22-000053
- form_type: 8-K
- ticker: TRU
- cik: 0001552033
- company_name: TransUnion
- filed_at: 2022-10-25T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.72
- calibrated_materiality_score: 0.72
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001552033-22-000053
- JSON: https://secwatch.observer/filing/0001552033-22-000053.json
- Plain text: https://secwatch.observer/filing/0001552033-22-000053.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.