TransUnion (NYSE:TRU) reported third-quarter adjusted earnings above analyst expectations on Tuesday, supported by revenue growth across its U.S. and international operations.
The consumer credit reporting and information services company recorded adjusted diluted earnings per share of $1.25, exceeding the consensus estimate of $1.21. Revenue increased 12% year over year to $1.31 billion, in line with market expectations.
TransUnion also raised its full-year 2026 adjusted earnings guidance while maintaining its revenue outlook toward the upper end of its previously announced range.
Shares declined approximately 0.28% in premarket trading following the announcement.
TransUnion posted adjusted diluted earnings per share of $1.25 for the third quarter, exceeding analysts’ consensus forecast of $1.21 by $0.04.
Revenue totaled $1.31 billion, compared with $1.17 billion in the corresponding quarter of 2025, representing an increase of 12%.
The revenue figure matched market expectations.
Adjusted net income increased to $242 million from $216 million in the prior-year period.
Adjusted diluted earnings per share rose 14% year over year, reflecting the company’s quarterly earnings performance.
TransUnion reported a 7% increase in revenue from its U.S. Markets business during the third quarter.
Growth was led by Financial Services, where revenue increased 11%, alongside contributions from the Insurance business.
The results reflected continued revenue expansion across the company’s domestic operations.
Financial Services was identified as a principal contributor to the segment’s growth during the reporting period.
TransUnion’s international business recorded organic revenue growth of 10% on a constant currency basis.
India reported an 18% increase, contributing to the international segment’s performance.
The constant currency measure excludes the impact of foreign exchange movements, allowing the company to present revenue changes based on underlying business activity.
The international results contributed to TransUnion’s consolidated revenue growth of 12% during the quarter.
TransUnion increased its adjusted diluted earnings per share guidance for 2026 to a range of $4.81 to $4.88.
The midpoint of the revised forecast is approximately $4.85, compared with the analyst consensus estimate of $4.78.
The company also maintained its full-year revenue guidance toward the upper end of its outlook.
TransUnion expects annual revenue of between $5.13 billion and $5.16 billion, representing reported growth of 12% to 13% compared with 2025.
The revised earnings forecast reflects management’s expectations for profitability during the remainder of the year.
Chris Cartwright, President and Chief Executive Officer of TransUnion, commented on the company’s third-quarter results and updated annual guidance.
“TransUnion delivered another quarter of strong results exceeding our guidance,” Cartwright said.
He added:
“We are maintaining the high-end of 2026 guidance for revenue and raising guidance for Adjusted Diluted EPS, balancing business momentum against rising interest rates and overall market uncertainty.”
The comments accompanied the company’s decision to increase its annual adjusted earnings forecast while maintaining its revenue expectations.
Management also identified rising interest rates and broader market uncertainty as factors considered in preparing its outlook.
TransUnion reported repurchasing approximately $243 million of its shares during the first nine months of 2026.
The company expects total share repurchases of up to $500 million for the full year.
Its board of directors also increased the company’s share repurchase authorization by $1 billion, bringing the total authorization to $2 billion.
The authorization provides capacity for additional repurchases, although the timing and amount of future transactions will depend on company decisions and applicable conditions.
The expanded authorization was announced alongside the company’s quarterly financial results and updated earnings guidance.
TransUnion’s board increased the quarterly dividend to $0.135 per share from $0.125 per share.
The change represents an increase of $0.01 per share, equivalent to 8%.
The dividend adjustment forms part of the company’s announced shareholder capital return measures, alongside its share repurchase program.
The company did not provide additional dividend payment dates in the supplied announcement.
For the fourth quarter of 2026, TransUnion expects revenue between $1.26 billion and $1.29 billion.
Adjusted diluted earnings per share are projected to range from $1.15 to $1.22.
These forecasts reflect management’s expectations for business activity and profitability during the final three months of the year.
The fourth-quarter guidance accompanies the company’s revised full-year adjusted earnings outlook of $4.81 to $4.88 per share.
TransUnion shares declined approximately 0.28% in premarket trading on Tuesday following the publication of its third-quarter results.
The movement occurred despite adjusted earnings per share exceeding analyst expectations and consolidated revenue increasing 12% year over year.
The company also raised its full-year adjusted earnings guidance, expanded its share repurchase authorization and increased its quarterly dividend.
The available information does not establish a single cause for the share price movement.
TransUnion’s third-quarter results showed higher revenue and adjusted earnings, supported by growth in U.S. Financial Services and international operations.
The company raised its adjusted diluted earnings per share guidance for 2026 while maintaining annual revenue expectations of $5.13 billion to $5.16 billion.
For the fourth quarter, management expects revenue of $1.26 billion to $1.29 billion and adjusted diluted earnings per share of $1.15 to $1.22.
Subsequent financial reports will provide further information about performance across the company’s operating segments, the effects of interest rates and market conditions, and progress against its annual forecasts.
Share repurchases and dividend distributions will also remain relevant to the company’s capital allocation activities.
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