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Sep 30
TransUnion Q3 2025 Earnings Report
TransUnion delivered strong Q3 2025 results, exceeding financial guidance with solid growth across key segments.
Key Takeaways
TransUnion achieved 8% revenue growth and 11% organic constant currency growth, driven by strong performance in U.S. Financial Services and Emerging Verticals. Net income rose to $97 million, and Adjusted EBITDA reached $425 million with a margin of 36.3%. The company raised its 2025 full-year guidance, expecting continued momentum into Q4.
Revenue reached $1.17 billion, up 8% year over year.
Net income grew to $97 million, with diluted EPS of $0.49.
Adjusted EBITDA increased to $425 million, maintaining a 36.3% margin.
Raised FY2025 guidance to 8–8.5% revenue growth amid strong U.S. and international trends.
TransUnion
TransUnion
TransUnion Revenue by Segment
TransUnion Revenue by Geographic Location
Revenue by Segment
U.S. Financial Services Revenue
CapyFin.comU.S. Emerging Verticals Revenue
CapyFin.comConsumer Interactive Revenue
CapyFin.comRevenue by Geographic Location
Canada Revenue
CapyFin.comLatin America Revenue
CapyFin.comUnited Kingdom Revenue
CapyFin.comAfrica Revenue
CapyFin.comIndia Revenue
CapyFin.comAsia Pacific Revenue
CapyFin.com Forward Guidance
For Q4 2025, TransUnion expects revenue between $1.119 billion and $1.139 billion, representing 8–10% growth, and Adjusted EBITDA between $393 million and $407 million. Full-year guidance was raised to 8–8.5% revenue growth with consistent margins.
Positive Outlook
- Raised FY2025 revenue growth outlook to 8–8.5%.
- Expected Q4 revenue growth of 8–10% on a constant currency basis.
- Strong momentum in U.S. Financial Services and Emerging Verticals.
- Continued share repurchase authorization up to $1 billion.
- Stable lending trends and improving free cash flow.
Challenges Ahead
- Potential headwinds from macroeconomic uncertainty.
- Continued pressure on Consumer Interactive due to prior year comparison.
- Higher capital expenditures and technology investment costs.
- Foreign exchange risks may impact international earnings.
- Possible volatility in interest rates affecting financing costs.