TransUnion Q4 2024 Earnings Report

Key Takeaways

TransUnion delivered strong Q4 2024 results, with 8.69% revenue growth and significant margin expansion. Financial Services and International segments led the growth, while Consumer Interactive declined. Adjusted EBITDA rose 15.91% YoY, driven by cost efficiencies and strategic initiatives.

Total Revenue

$1.04B

Previous year: $954M

+8.6%

EPS

$0.97

Previous year: $0.8

+21.2%

Operating Margin

16.47%

Previous year: 6.88%

+139.4%

Adjusted EBITDA

$378M

Previous year: $326M

+15.9%

Adjusted EBITDA Margin

36.49%

Previous year: 34.19%

+6.7%

Cash and Equivalents

$680M

Previous year: $480M

+41.6%

TransUnion Revenue

TransUnion EPS

TransUnion Revenue by Segment

Forward Guidance

TransUnion expects moderate revenue growth in 2025, supported by continued strength in Financial Services and International markets. Margin expansion is projected due to cost optimization, though macroeconomic challenges remain a concern.

Positive Outlook

Projected 4.5% to 6% organic constant currency revenue growth
Continued strength in Financial Services and Insurance verticals
International segment expected to sustain double-digit growth
Expansion of freemium direct-to-consumer credit offering with Credit Sesame
New $500 million share repurchase program and increased dividend

Challenges Ahead

Macroeconomic uncertainty, including interest rate and inflation risks
Continued challenges in Consumer Interactive segment
Potential foreign exchange headwinds impacting international revenue
Lower M&A activity due to capital allocation strategy shift
Modest margin expansion expected rather than significant improvements