TransUnion Stock Price, News & Analysis

TransUnion's analysis reveals a concerning surge in federal student loan delinquencies, with 20.5% of borrowers with payments due being 90+ days delinquent as of February 2025, up from 11.5% in February 2020. The analysis shows subprime borrowers are most affected, with 50.8% being seriously delinquent. Default has severe credit score implications, with borrowers experiencing an average 63-point credit score decline. Super prime borrowers face the harshest impact, with defaults causing an average 175-point drop in credit scores. Notably, 23% of borrowers who defaulted in early 2025 were previously in prime and above risk tiers, highlighting the widespread impact across credit segments as federal collections activity resumes.

TransUnion's latest consumer research reveals significant insights into personalized marketing expectations. 39% of U.S. consumers now expect personalized online shopping experiences with tailored interactions and recommendations. The study highlights that nearly 40% of consumers are more likely to make purchases and develop stronger brand affinity through personalization. However, privacy concerns remain paramount, with 80% of consumers expressing concern about sharing personal information and 89% prioritizing data privacy in online engagement. Key consumer worries include identity theft (77%) and unwanted marketing (44%). Matt Spiegel, EVP of TruAudience Growth Strategy at TransUnion, emphasizes that while personalization is crucial for meaningful brand connections, poor execution or trust breaches can significantly damage brand reputation. The research underscores the delicate balance marketers must maintain between delivering personalized content and respecting consumer privacy.

TransUnion (TRU) reported strong Q1 2025 financial results, exceeding guidance across key metrics. Total revenue reached $1,096 million, up 7% (8% constant currency) from Q1 2024. Net income rose to $148 million ($0.75 per share), compared to $65 million ($0.33 per share) in Q1 2024, boosted by a $56 million reduction in lawsuit accrual.

The company's U.S. Markets segment showed 9% growth, with Financial Services revenue up 15% and Emerging Verticals up 6%. International revenue grew 2% (6% constant currency). Adjusted EBITDA increased 11% to $397 million, with margin improving to 36.2%.

TransUnion maintains its 2025 organic constant currency revenue growth guidance of 4.5-6% (4-5.5% reported), despite potential market risks. The company achieved a 2.9x leverage ratio and repurchased $10 million in shares through mid-April.

Affirm Holdings (NASDAQ: AFRM) and TransUnion (NYSE: TRU) announced the expansion of credit reporting for all Affirm's pay-over-time products. Starting May 1, 2025, all Affirm loans, including Pay in 4 and longer-term monthly installments, will be reported to TransUnion.

While these transactions will initially appear on TransUnion credit files without impacting traditional credit scores or being visible to lenders, future credit scoring models may incorporate this information to support more informed lending decisions and help consumers build credit histories.

TransUnion's research indicates strong potential adoption, with 40% of non-users likely to use buy now, pay later services, increasing to 53% if it could positively impact credit scores. The partnership aims to make Affirm's financial products more mainstream while maintaining their no-late-fees and transparency policies.

TransUnion (NYSE: TRU) has appointed Brian Silver as Executive Vice President of Marketing Solutions, effective April 7, 2025. Silver, who reports to new Chief Global Solutions Officer Mohamed Abdelsadek, will lead the vision and strategy for TransUnion's TruAudience® product line.

Silver joins from Oracle Advertising where he served as Global Vice President of Strategy and Business Development. With 25 years of experience in identity-based digital marketing, his previous roles include President at LiveIntents and leadership positions at Verizon Media and Yahoo!.

TruAudience, powered by the OneTru platform, provides privacy-first identity resolution, data enrichment, audience targeting, and advanced analytics solutions for data-driven marketing and measurement.

K2 Cyber, a K2 Insurance Services brand, has announced a strategic partnership with TransUnion to enhance its cybersecurity protection services. Through this collaboration, K2 Cyber policyholders will gain access to TransUnion's TruEmpower™ CyberScout solution, which provides comprehensive cyber incident management and protection services.

The partnership includes key features such as cyber claims management, incident response remediation, forensics consultation, advanced cyber and business ID theft prevention tools, and a dedicated crisis hotline. Policyholders will receive ongoing care, education, and triage services to better handle and recover from cyber threats.

TransUnion (NYSE: TRU) reports significant achievements one year after launching its OneTru™ solution enablement platform. The platform has enhanced several B2B product lines, including TruVision credit risk products, TruAudience identity capabilities, and TruValidate fraud solutions.

Currently operational in the U.S. and India, with planned expansion to Canada, the Philippines, and the U.K., OneTru has delivered impressive results:

• A major financial institution saw 162% increase in fraud capture rates
• A FinTech reduced lending model development time from 10 hours to under 1 hour
• A U.S. credit card issuer reduced offer timeline from 45 to 21 days
• A leading retailer gained insights from 100M+ daily interactions and maintains data on 90M+ active customers

The platform continues to expand its capabilities in identity attributes, enhanced matching, decisioning, and AI tools, supporting autonomous decision-making, adaptive learning, and proactive execution.

TransUnion (NYSE:TRU) has completed its acquisition of Monevo, a UK-based credit prequalification and distribution platform, from Quint Group TransUnion previously held a 30% minority stake acquired in 2021. Monevo's platform connects over 150 banks and credit providers with comparison websites, enabling personalized credit offers primarily in UK and US markets.

The platform allows consumers to check their credit approval likelihood without impacting their credit scores. The acquisition aims to enhance TransUnion's portfolio and lending proposition, supporting their mission of making trust possible in global commerce.

The transaction was funded through existing cash-on-hand and is not expected to materially impact TransUnion's leverage, liquidity, or 2025 operating results. Financial terms were not disclosed.

TransUnion (NYSE: TRU) has scheduled the release of its first quarter 2025 financial results for Thursday, April 24, 2025. The company will issue a press release detailing the results at approximately 6:00 a.m. Central Time, followed by a conference call at 8:30 a.m. CT to discuss the financial performance. Investors and interested parties can access both the press release and a live webcast of the earnings conference call through TransUnion's Investor Relations website.