TransUnion’s second quarter results were well received, as management attributed the company’s performance to broad-based growth across U.S. markets, strong execution with financial services clients, and continued momentum in emerging verticals. CEO Chris Cartwright pointed to double-digit gains in consumer lending and auto, with fintech lenders returning to the market and driving demand for debt consolidation products. Cartwright also highlighted the rapid growth of TransUnion’s Trusted Call Solutions business, which has enabled new customer wins and contributed to outperformance in key segments. The company’s technology modernization—specifically the OneTru platform—was cited as a factor in operational improvements and increased product velocity.
Is now the time to buy TRU? Find out in our full research report (it’s free).
TransUnion (TRU) Q2 CY2025 Highlights:
- Revenue: $1.14 billion vs analyst estimates of $1.10 billion (9.5% year-on-year growth, 3.7% beat)
- Adjusted EPS: $1.08 vs analyst estimates of $0.99 (9% beat)
- Adjusted EBITDA: $407 million vs analyst estimates of $386.5 million (35.7% margin, 5.3% beat)
- The company lifted its revenue guidance for the full year to $4.45 billion at the midpoint from $4.39 billion, a 1.5% increase
- Management raised its full-year Adjusted EPS guidance to $4.09 at the midpoint, a 2% increase
- EBITDA guidance for the full year is $1.60 billion at the midpoint, in line with analyst expectations
- Operating Margin: 16.9%, in line with the same quarter last year
- Market Capitalization: $18.81 billion
While we enjoy listening to the management's commentary, our favorite part of earnings calls are the analyst questions. Those are unscripted and can often highlight topics that management teams would rather avoid or topics where the answer is complicated. Here is what has caught our attention.
Our Top 5 Analyst Questions TransUnion’s Q2 Earnings Call
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Faiza Alwy (Deutsche Bank): Asked whether TransUnion’s outperformance in financial services was driven more by customer mix or by new technology and product innovation. CEO Chris Cartwright explained that both returning consumer lenders (especially fintechs) and expanded product offerings contributed, with market share gains and diversified solutions playing key roles.
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Andrew Steinerman (JPMorgan): Sought clarity on the momentum behind FactorTrust and the timeline for closing the Mexico acquisition. Cartwright noted FactorTrust’s growth stemmed from its re-platforming on OneTru and product enhancements, while the Mexico deal’s timeline reflects standard regulatory processes, not performance concerns.
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Jeffrey Meuler (Baird): Inquired about the Consumer Interactive freemium rollout and intermediate-term growth outlook. Cartwright shared that over 75% of customers have migrated to the new platform, which should stabilize growth at low single digits, with potential for higher rates as more lenders and offers are added.
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Toni Kaplan (Morgan Stanley): Pressed for insight on the consumer lending environment and management’s cautious guidance. Cartwright described the backdrop as stable but muted, with signs of improvement but persistent uncertainty, especially in cards and mortgage.
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Ashish Sabadra (RBC Capital Markets): Asked about growth prospects in India for the second half of the year. Cartwright outlined expectations for accelerating consumer lending volumes and high teens growth by Q4, driven by regulatory support and new product launches.
Catalysts in Upcoming Quarters
In the quarters ahead, StockStory’s analysts will be watching (1) TransUnion’s ability to sustain double-digit growth in financial services, (2) execution on the Consumer Interactive freemium platform rollout and resulting user engagement, and (3) continued momentum in international markets, particularly India’s recovery and expansion of Trusted Call Solutions abroad. Progress on technology upgrades and integration of new product features will also be key factors we monitor.
TransUnion currently trades at $98.48, up from $94.48 just before the earnings. Is there an opportunity in the stock?See for yourself in our full research report (it’s free).
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