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Sep 30, 2025
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.
Revenue by Segment
Revenue by Geographic Location
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.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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