TransUnion
Business
TransUnion is a global information and insights company that provides data, analytics and risk-management solutions to businesses and consumers. The company develops credit reports, fraud and identity verification products, marketing solutions, and consumer financial-management tools using proprietary databases and AI-powered analytics. TransUnion operates through two reportable segments—U.S. Markets (serving financial services, insurance, retail, telecom and other verticals) and International (serving Canada, Latin America, U.K., Africa, India and Asia Pacific). Solutions are delivered through online, batch and software-as-a-service channels to leading financial institutions, lenders, insurers, retailers and government agencies worldwide.
Summary from 10-K filed 2026-02-27
Financials
Consolidated Statement of Income
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Revenue | 4,576 | 4,184 | 3,831 | 3,710 | 2,960 | |
| Cost of services (exclusive of depreciation and amortization below) | 1,872 | 1,673 | 1,517 | 1,385 | 1,022 | |
| Selling, general and administrative | 1,265 | 1,239 | 1,172 | 1,179 | 909 | |
| Depreciation and amortization | 575 | 538 | 524 | 519 | 377 | |
| Goodwill impairment | 0 | 0 | 414 | 0 | 0 | |
| Total restructuring expenses | 7 | 67 | 75 | 0 | 0 | |
| Total operating expenses | 3,719 | 3,517 | 3,703 | 3,084 | 2,308 | |
| Operating income | 858 | 667 | 129 | 626 | 652 | |
| Interest expense | −236 | −265 | −288 | −231 | — | |
| Interest income | 33 | 29 | 21 | 5 | 3 | |
| Earnings from equity method investments | 20 | 18 | 16 | 13 | 12 | |
| Other income and (expense), net | −33 | −47 | −23 | −30 | −49 | |
| Total non-operating income and (expense) | −215 | −266 | −274 | −243 | −146 | |
| Income (loss) from continuing operations before income taxes | 643 | 401 | −145 | 383 | 506 | |
| Provision for income taxes | −173 | −99 | −45 | −119 | −132 | |
| Income (loss) from continuing operations | 470 | 302 | −190 | 264 | 374 | |
| Discontinued operations, net of tax | 0 | 0 | −700,000 | 17 | 1,032 | |
| Net income (loss) | 470 | 302 | −191 | 282 | 1,405 | |
| Less: net income attributable to noncontrolling interests | −15 | −18 | −15 | −15 | −15 | |
| Net income (loss) attributable to TransUnion | 455 | 284 | −206 | 266 | 1,390 | |
| Less: income from continuing operations attributable to noncontrolling interests | −15 | −18 | −15 | −15 | −15 | |
| Income (loss) from continuing operations attributable to TransUnion | 455 | 284 | −205 | 249 | 359 | |
| (Loss) income from continuing operations attributable to TransUnion (in dollars per share) | 2.34 | 1.46 | −1.06 | 1.29 | 1.87 | |
| Discontinued Operation, Income (Loss) from Discontinued Operation, Net of Tax, Per Basic Share | 0 | 0 | 0 | 0.09 | 5.39 | |
| Net (loss) income attributable to TransUnion (in dollars per share) | 2.34 | 1.46 | −1.07 | 1.38 | 7.26 | |
| (Loss) income from continuing operations attributable to TransUnion (in dollars per share) | 2.32 | 1.45 | −1.06 | 1.29 | 1.86 | |
| Discontinued Operation, Income (Loss) from Discontinued Operation, Net of Tax, Per Diluted Share | 0 | 0 | 0 | 0.09 | 5.35 | |
| Net (loss) income attributable to TransUnion (in dollars per share) | 2.32 | 1.45 | −1.07 | 1.38 | 7.2 | |
| Weighted average shares outstanding | 194 | 194 | 193 | 193 | 191 | |
| Weighted average dilutive shares outstanding | 197 | 197 | 193 | 193 | 193 |
Consolidated Balance Sheet
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Cash and cash equivalents | 854 | 680 | 476 | 585 | 1,842 | |
| Trade accounts receivable, net of allowance of $27.7 and $19.9 | 905 | 799 | 723 | 602 | 558 | |
| Other current assets | 258 | 323 | 276 | 263 | 232 | |
| Total current assets | 2,016 | 1,802 | 1,475 | 1,450 | 2,632 | |
| Property, plant and equipment, net of accumulated depreciation and amortization of $545.0 and $506.3 | 258 | 204 | 199 | 218 | 248 | |
| Goodwill | 5,260 | 5,144 | 5,176 | 5,551 | 5,526 | |
| Other intangibles, net of accumulated amortization of $2,716.3 and $2,294.5 | 3,099 | 3,258 | 3,515 | 3,676 | 3,771 | |
| Other assets | 480 | 578 | 739 | 771 | 459 | |
| Total assets | 11,113 | 10,985 | 11,105 | 11,666 | 12,635 | |
| Trade accounts payable | 350 | 295 | 251 | 250 | 270 | |
| Current portion of long-term debt | 197 | 71 | 90 | 115 | 115 | |
| Other current liabilities | 608 | 694 | 662 | 541 | 972 | |
| Total current liabilities | 1,154 | 1,060 | 1,003 | 906 | 1,357 | |
| Long-term debt | 4,907 | 5,077 | 5,251 | 5,556 | — | |
| Deferred taxes | 390 | 415 | 593 | 762 | 788 | |
| Other liabilities | 117 | 115 | 153 | 174 | 233 | |
| Total liabilities | 6,568 | 6,666 | 7,000 | 7,397 | 8,629 | |
| Preferred stock, $0.01 par value; 100.0 million shares authorized; none issued or outstanding as of December 31, 2025 and 2024 | 0 | 0 | 0 | — | — | |
| Common stock, $0.01 par value; 1.0 billion shares authorized at December 31, 2025 and December 31, 2024; 199.4 million and 201.5 million shares issued as of December 31, 2025 and December 31, 2024, respectively; and 192.4 million and 194.9 million shares outstanding as of December 31, 2025 and December 31, 2024, respectively | 2 | 2 | 2 | 2 | 2 | |
| Additional paid-in capital | 2,424 | 2,559 | 2,413 | 2,290 | 2,189 | |
| Treasury stock at cost; 7.0 million and 6.6 million shares at December 31, 2025 and December 31, 2024, respectively | −370 | −335 | −303 | −285 | −252 | |
| Retained earnings | 2,724 | 2,358 | 2,157 | 2,447 | 2,255 | |
| Accumulated other comprehensive loss | −340 | −367 | −261 | −285 | −285 | |
| Total TransUnion stockholders equity | 4,439 | 4,217 | 4,008 | 4,170 | 3,908 | |
| Noncontrolling interests | 106 | 102 | 97 | 100 | 98 | |
| Total stockholders equity | 4,545 | 4,319 | 4,106 | 4,269 | 4,006 | |
| Total liabilities and stockholders equity | 11,113 | 10,985 | 11,105 | 11,666 | 12,635 |
Consolidated Statement of Cash Flows
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Loss on repayment of loans | 0 | 7 | 8 | 9 | 18 | |
| Deferred taxes | −29 | −157 | −163 | −89 | −17 | |
| Stock-based compensation | 146 | 121 | 100 | 83 | 69 | |
| Impairment of Long-Lived Assets to be Disposed of | 0 | 41 | 0 | 0 | — | |
| Other | 44 | 34 | 26 | 23 | −13 | |
| Trade accounts receivable | −119 | −106 | −135 | −38 | −36 | |
| Other current and long-term assets | −2 | 46 | −13 | −18 | −21 | |
| Trade accounts payable | 31 | 39 | −7 | −17 | 42 | |
| Other current and long-term liabilities | −128 | −33 | 80 | −436 | −33 | |
| Cash provided by operating activities of continuing operations | 988 | 833 | 646 | 301 | 759 | |
| Cash used in operating activities of discontinued operations | 0 | 0 | −200,000 | −4 | 49 | |
| Cash provided by operating activities | 988 | 833 | 645 | 297 | 808 | |
| Capital expenditures | −326 | −316 | −311 | −298 | −224 | |
| Proceeds from sale/maturity of other investments | 200,000 | 200,000 | 82 | 144 | 36 | |
| Purchases of other investments | 0 | −200,000 | −54 | −146 | −67 | |
| Investments in consolidated affiliates, net of cash acquired | −56 | 0 | 0 | −508 | −3,596 | |
| Investments in nonconsolidated affiliates and notes receivable | −26 | −6 | −37 | −16 | −75 | |
| Proceeds from the sale of investments in nonconsolidated affiliates | 0 | 8 | 0 | 0 | — | |
| (Payments) proceeds related to disposal of discontinued operations | 0 | 0 | −500,000 | — | — | |
| Proceeds from note receivable | 72 | 0 | 0 | — | — | |
| Other | 3 | 7 | 400,000 | 3 | −1 | |
| Cash used in investing activities | −332 | −307 | −319 | −724 | −2,213 | |
| Proceeds from Term Loans | 0 | 1,793 | 656 | 0 | 3,740 | |
| Repayments of Term Loans | 0 | −1,786 | −348 | 0 | −640 | |
| Repayments of debt | −79 | −199 | −650 | 715 | 141 | |
| Debt financing fees | 0 | −17 | −3 | 0 | −69 | |
| Proceeds from issuance of common stock and exercise of stock options | 23 | 25 | 23 | 19 | 22 | |
| Dividends to shareholders | −91 | −83 | −82 | −78 | −70 | |
| Employee taxes paid on restricted stock units recorded as treasury stock | −36 | −32 | −18 | −33 | −37 | |
| Repurchases of common stock | −302 | 0 | 0 | — | — | |
| Distributions to noncontrolling interests | −10 | −11 | −17 | −12 | −11 | |
| Cash provided by (used in) financing activities | −495 | −309 | −439 | −821 | 2,762 | |
| Effect of exchange rate changes on cash and cash equivalents | 13 | −13 | 3 | −10 | −8 | |
| Net change in cash and cash equivalents | 174 | 203 | −109 | −1,257 | 1,350 | |
| Total | 260 | 203 | 206 | 574 | 181 | |
| Interest Paid, Excluding Capitalized Interest, Operating Activity | 234 | 261 | 281 | 221 | 109 |
Filings
Material Events
Insiders
Institutional Holders
Frequently asked questions
What is TransUnion's CIK number?
TransUnion's SEC CIK number is 0001552033 (1552033). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.
Where can I find TransUnion's SEC filings?
All of TransUnion's EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.
When did TransUnion last report earnings?
TransUnion (TRU) most recently filed an earnings 8-K with the SEC on Apr 28, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001552033-26-000025). This is TransUnion's most recent earnings filing of record — not a forecast of its next earnings date.
What is TransUnion's most recent earnings 8-K?
TransUnion's latest earnings 8-K (Item 2.02) was filed Apr 28, 2026 under accession 0001552033-26-000025. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.
View TransUnion's latest earnings 8-K →
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