TRU

It has been about a month since the last earnings report for Iron Mountain (IRM). Shares have lost about 5.7% in that time frame, underperforming the S&P 500. But investors have to be wondering, will the recent negative trend continue leading up to its next earnings release, or is Iron Mountain due for a breakout? Well, first let's take a quick look at its most recent earnings report in order to get a better handle on the recent drivers for Iron Mountain Incorporated before we dive into how investors and analysts have reacted as of late. Iron Mountain reported second-quarter 2026 AFFO of $1.44 per share, up 16.1% year over year. The figure surpassed the Zacks Consensus Estimate by 2.9%. Revenues of $2.03 billion increased 18.5% and beat the consensus mark of $1.97 billion. The upside reflected broad-based strength, with data center revenues advancing 38.8% and asset lifecycle management benefiting from robust enterprise and decommissioning activity. Storage rental revenues rose 12.3% year over year to $1.13 billion. Service revenues increased 27.4% to $894.5 million, underscoring the growing contribution from faster-expanding offerings outside the traditional records storage business. Organic revenues jumped 16.8% on a constant-currency basis, excluding acquisitions and divestitures. Organic storage rental growth was 11.3%, while organic service growth reached 24.8%, showing that internal execution rather than deal activity drove most of the quarter’s expansion. Global Records and Information Management revenues increased 8.3% to $1.43 billion. Storage rental revenues in the segment rose 6.6%, while service revenues advanced 10.9%, supported by revenue management, digital solutions and continued customer activity. The segment generated adjusted EBITDA of $620.8 million compared with $586.3 million a year earlier. Its adjusted EBITDA margin contracted 100 basis points to 43.3%, as faster service growth carried a different margin profile than the highly recurring storage business. Global storage volume reached a record 747.9 million cubic feet, up from 735.8 million a year ago. Storage facility utilization improved to 81.6% from 80.6%, while the records management retention rate increased 40 basis points to 93.4%. Global Data Center revenues climbed to $262.9 million from $189.4 million. Storage rental revenues grew 37.5% and the segment’s adjusted EBITDA increased to $137.3 million, with margin expanding 140 basis points to 52.2%. Iron Mountain signed 13 megawatts of new and expansion leases during the second quarter. Leasing reached 110 megawatts through July after an additional 75 megawatts were signed following quarter-end. The company also cited a backlog supporting $370 million of revenue growth beyond 2026 before including the July leasing. The operating portfolio had 528.5 leasable megawatts and was 97.1% leased. Management expects roughly 325 megawatts of available-to-lease capacity to become energized over the next 24 months as it works toward total developable capacity of approximately 1.4 gigawatts. Corporate and Other revenues surged 67.4% to $332.6 million. Service revenues rose 73.7%, reflecting strong asset lifecycle management performance across enterprise solutions and data center decommissioning. ALM revenues increased 88% on a reported basis and 82% organically. Management also highlighted record digital revenues and growing traction for Insight DXP, its artificial intelligence-powered platform, including a multi-year managed-services agreement spanning 45 countries. Total operating expenses increased 14% to $1.66 billion, slower than revenue growth. Operating income advanced 43.7% to $373.5 million, though adjusted EBITDA margin declined 90 basis points to 35.8%, partly reflecting the mix shift toward rapidly growing service businesses. Net lease-adjusted leverage remained at 4.8 times, within management’s target range of 4.5-5.5 times. Cash and cash equivalents were $204.8 million at quarter-end, while net debt totaled about $17.28 billion. Iron Mountain raised its full-year AFFO per share forecast to $5.87-$5.93 from the earlier guided range of $5.79-$5.86. The midpoint implies approximately 14% growth, supported by continued momentum across records management, data centers, digital solutions and ALM. Analysts were quiet during the last two month period as none of them issued any earnings estimate revisions. At this time, Iron Mountain has a nice Growth Score of B, a score with the same score on the momentum front. However, the stock was allocated a score of D on the value side, putting it in the bottom 40% for this investment strategy. Overall, the stock has an aggregate VGM Score of B. If you aren't focused on one strategy, this score is the one you should be interested in. Iron Mountain has a Zacks Rank #3 (Hold). We expect an in-line return from the stock in the next few months. Iron Mountain is part of the Zacks Business - Information Services industry. Over the past month, TransUnion (TRU), a stock from the same industry, has gained 7.2%. The company reported its results for the quarter ended June 2026 more than a month ago. TransUnion reported revenues of $1.31 billion in the last reported quarter, representing a year-over-year change of +14.9%. EPS of $1.23 for the same period compares with $1.08 a year ago. TransUnion is expected to post earnings of $1.21 per share for the current quarter, representing a year-over-year change of +10%. Over the last 30 days, the Zacks Consensus Estimate remained unchanged. The overall direction and magnitude of estimate revisions translate into a Zacks Rank #3 (Hold) for TransUnion. Also, the stock has a VGM Score of B. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Iron Mountain Incorporated (IRM) : Free Stock Analysis Report TransUnion (TRU) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

TransUnion currently trades at $82.40 per share and has shown little upside over the past six months, posting a middling return of 4%. The stock also fell short of the S&P 500’s 12% gain during that period. Does this present a buying opportunity for TRU? Or is its underperformance reflective of its story and business quality? Find out in our full research report, it’s free. One of the three major credit bureaus in the United States alongside Equifax and Experian, TransUnion (NYSE:TRU) is a global information and insights company that provides credit reports, fraud prevention tools, and data analytics to help businesses make decisions and consumers manage their financial health. A company’s long-term sales performance is one signal of its overall quality. Any business can experience short-term success, but top-performing ones enjoy sustained growth for years. Luckily, TransUnion’s sales grew at an excellent 11.7% compounded annual growth rate over the last five years. Its growth beat the average business services company and shows its offerings resonate with customers. Free cash flow isn’t a prominently featured metric in company financials and earnings releases, but we think it’s telling because it accounts for all operating and capital expenses, making it tough to manipulate. Cash is king. As you can see below, TransUnion’s margin expanded by 14.5 percentage points over the last five years. This is encouraging, and we can see it became a less capital-intensive business because its free cash flow profitability rose while its operating profitability fell. TransUnion’s free cash flow margin for the trailing 12 months was 16.1%. Growth gives us insight into a company’s long-term potential, but how capital-efficient was that growth? Enter ROIC, a metric showing how much operating profit a company generates relative to the money it has raised (debt and equity). Although TransUnion has shown solid fundamentals lately, it historically did a mediocre job investing in profitable growth initiatives. Its five-year average ROIC was 5.6%, somewhat low compared to the best business services companies that consistently pump out 25%+. TransUnion has huge potential even though it has some open questions. With its shares underperforming the market lately, the stock trades at 16.2× forward P/E (or $82.40 per share). Is now the right time to buy? See for yourself in our full research report, it’s free. ALSO WORTH WATCHING: Top 5 Momentum Stocks. The best time to own a great stock is when the market is finally noticing it. These aren’t just high-quality businesses. Something is happening with them right now. Elite fundamentals meet near-term momentum — both boxes checked at the same time. Find out which stocks our AI platform is flagging this week. See this week’s Strong Momentum stocks — FREE. Get Our Strong Momentum Stocks for Free HERE. Stocks that have made our list include now familiar names such as Nvidia (+1,460% between June 2020 and June 2025) as well as under-the-radar businesses like the once-small-cap company Exlservice (+271% between June 2020 and June 2025). Find your next big winner with StockStory today.

It has been about a month since the last earnings report for Verisk Analytics (VRSK). Shares have lost about 4.7% in that time frame, underperforming the S&P 500. But investors have to be wondering, will the recent negative trend continue leading up to its next earnings release, or is Verisk due for a breakout? Well, first let's take a quick look at the most recent earnings report in order to get a better handle on the recent catalysts for Verisk Analytics, Inc. before we dive into how investors and analysts have reacted as of late. Verisk Analytics has reported second-quarter 2026 diluted adjusted earnings of $1.98 per share, beating the Zacks Consensus Estimate of $1.94 by 2.1%. The figure increased 5.3% from the year-ago quarter. Revenues of $806.3 million topped the consensus mark of $802.4 million by 0.5% and rose 4.3% year over year. Organic constant-currency growth was 5.8%, supported by an 8% increase in underlying subscription revenues and growth across both Underwriting and Claims. Underwriting revenues increased 3.5% year over year to $569 million. On an organic constant-currency basis, revenues advanced 5.6%. Growth reflected annual price increases tied to continued enhancements in the models and content supporting Verisk’s forms, rules and loss cost services. The company also benefited from sales of expanded catastrophe and risk solutions to new and existing customers. Claims revenues rose 6.3% year over year to $237 million. Organic constant-currency growth was 6.1%, outpacing the reported growth rate of the Underwriting business. The improvement was primarily driven by anti-fraud analytics and property and restoration solutions. These offerings supported broader Insurance revenue growth as carriers continued using Verisk’s data and technology across underwriting and claims decisions. Adjusted EBITDA increased 4.2% year over year to $463.6 million. On an organic constant-currency basis, adjusted EBITDA grew 7.4%, reflecting revenue growth and continued cost discipline. The adjusted EBITDA margin was 57.5% compared with 57.6% in the prior-year quarter. Adjusted EBITDA expenses increased to $342.7 million from $327.8 million, while operating income rose to $363.7 million from $354.3 million. Net income declined 9.8% year over year to $228.6 million. The net income margin contracted to 28.4% from 32.8%, while diluted GAAP earnings fell 3.3% to $1.75 per share. The decline reflected a higher effective tax rate, increased net interest expenses and legal fees connected with ongoing litigation. Net interest expenses increased to $52.8 million from $35.5 million, while the effective tax rate rose to 24.6% from 22.7%. Net cash provided by operating activities jumped 49.7% year over year to $366 million. The free cash flow increased 57.9% to $297.9 million despite capital expenditure rising 22% to $68.1 million. The cash flow improvement was primarily driven by higher operating profit and the timing of certain vendor and tax payments. Verisk ended June with $551.4 million in cash and cash equivalents compared with $2.18 billion at the end of 2025. The company entered a $200-million accelerated share repurchase program during the quarter. It received an initial delivery of 949,190 shares at an initial price of $179.10, representing roughly 85% of the aggregate purchase price. In the first six months of 2026, Verisk funded aggregate share repurchases of $1.9 billion and received an initial delivery of 8.5 million shares at an average price of $186.32. The company had $800 million remaining under its repurchase authorization at the quarter-end. Management said that Verisk continues to invest in proprietary datasets and deploy advanced artificial intelligence technologies across those assets. The strategy is aimed at generating differentiated insights and strengthening value for insurance clients. The company expects growth to return to levels consistent with its Investor Day targets during the second half of 2026. Verisk also approved another quarterly cash dividend of 50 cents per share, payable Sept. 30, to shareholders of record as of Sept. 15. Verisk maintained its 2026 revenue guidance of $3.19-$3.24 billion. Management expects adjusted EBITDA of $1.79-$1.83 billion and an adjusted EBITDA margin of 56-56.5%. Diluted adjusted earnings are projected between $7.45 and $7.75 per share. The company expects a tax rate of 23-26%, capital expenditure of $260-$280 million and interest expenses of $190-$200 million. In the past month, investors have witnessed a downward trend in estimates review. At this time, Verisk has a nice Growth Score of B, though it is lagging a lot on the Momentum Score front with a D. Following the exact same course, the stock was allocated a score of D on the value side, putting it in the bottom 40% for this investment strategy. Overall, the stock has an aggregate VGM Score of C. If you aren't focused on one strategy, this score is the one you should be interested in. Estimates have been broadly trending downward for the stock, and the magnitude of these revisions indicates a downward shift. Notably, Verisk has a Zacks Rank #3 (Hold). We expect an in-line return from the stock in the next few months. Verisk belongs to the Zacks Business - Information Services industry. Another stock from the same industry, TransUnion (TRU), has gained 5.5% over the past month. More than a month has passed since the company reported results for the quarter ended June 2026. TransUnion reported revenues of $1.31 billion in the last reported quarter, representing a year-over-year change of +14.9%. EPS of $1.23 for the same period compares with $1.08 a year ago. TransUnion is expected to post earnings of $1.21 per share for the current quarter, representing a year-over-year change of +10%. Over the last 30 days, the Zacks Consensus Estimate has changed -1.1%. The overall direction and magnitude of estimate revisions translate into a Zacks Rank #3 (Hold) for TransUnion. Also, the stock has a VGM Score of B. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Verisk Analytics, Inc. (VRSK) : Free Stock Analysis Report TransUnion (TRU) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

A month has gone by since the last earnings report for TransUnion (TRU). Shares have added about 0.9% in that time frame, underperforming the S&P 500. But investors have to be wondering, will the recent positive trend continue leading up to its next earnings release, or is TransUnion due for a pullback? Well, first let's take a quick look at its most recent earnings report in order to get a better handle on the recent drivers for TransUnion before we dive into how investors and analysts have reacted as of late. TransUnion reported impressive second-quarter 2026 results, with both earnings and revenues beating the Zacks Consensus Estimate. TRU’s adjusted earnings of $1.23 per share topped the Zacks Consensus Estimate by 7.9% and increased 13.9% from the year-ago quarter’s level. The performance extended the company’s strong start to 2026. Revenues of $1.31 billion surpassed the consensus estimate by 1.7% and rose 14.9% year over year. Organic constant-currency revenues grew 10% from the year-ago quarter, led by U.S. Financial Services and Emerging Verticals. U.S. Markets revenues increased 11% to $992.7 million. Financial Services revenues climbed 18% to $496.3 million, reflecting strength across credit and non-credit offerings, pricing actions and new client wins. Excluding FICO mortgage royalties, Financial Services growth was 10%. Credit Card and Banking revenues increased 6%, while Consumer Lending and Auto each grew 8%. Mortgage revenues advanced 37%, or 15% excluding the royalty benefit, despite a 7% decline in inquiries. Emerging Verticals revenues rose 9% to $353.9 million. Insurance delivered its eighth consecutive quarter of double-digit growth, while technology, retail and e-commerce produced high-single-digit growth. Consumer Interactive revenues declined 3% to $142.5 million. Growth through indirect channels was offset by continued weakness in the direct-to-consumer business. International revenues increased 27% to $320.8 million, including the contribution from Trans Union de Mexico. On an organic constant-currency basis, growth accelerated to 6% from flat performance in the first quarter. Canada revenues rose 10% to $46.4 million, supported by financial services, fintech and insurance demand. The United Kingdom revenues increased 9% to $73.5 million, benefiting from market-share gains and new business across banking and fintech. India revenues returned to growth, rising 8% on a constant-currency basis, as credit volumes improved and new client wins strengthened. Latin America grew 5% organically, while Africa advanced 5%. Asia Pacific declined 7%, although management expects the region to return to growth in the second half. Trans Union de Mexico continued to perform ahead of the company’s acquisition assumptions. Management plans to expand its data coverage, introduce TruIQ analytics and eventually migrate the business to the OneTru platform. Adjusted EBITDA increased 12% to $456.1 million. The adjusted EBITDA margin contracted 90 basis points to 34.8%, with management attributing the decline entirely to FICO mortgage royalties. U.S. Markets adjusted EBITDA rose 7% to $361 million, while its margin declined to 36.4% from 37.9%. International adjusted EBITDA increased 27% to $136.8 million, while its margin held steady at 42.7%. GAAP net income attributable to TransUnion increased to $143.4 million from $109.6 million. Diluted GAAP earnings were 74 cents per share, up from 56 cents in the prior-year quarter. TransUnion ended June with $839.1 million in cash and cash equivalents and $5.59 billion in total debt. Its leverage ratio declined to 2.6X, supported by adjusted EBITDA growth. Cash provided by operating activities totaled $459.1 million in the first six months of 2026, up from $343.8 million a year earlier. Capital expenditures decreased to $134.4 million from $145.4 million. The company repurchased roughly $150 million of shares through July, including 2.1 million shares at an average price of about $71. Management expects second-half repurchases to be at least comparable to the first-half pace while continuing to target leverage below 2.5X. For the third quarter, TransUnion expects revenues to be between $1.292 billion and $1.310 billion, representing reported growth of 11-12%. Organic constant-currency growth is projected at 6-8%. TRU guided its third-quarter 2026 adjusted earnings to be between $1.18 and $1.21 per share. Adjusted EBITDA is anticipated to be between $455 million and $463 million, with a margin of 35.2-35.4%. For 2026, the company raised its revenue outlook to $5.127-$5.162 billion, implying growth of 12-13%. Organic constant-currency growth remains projected at 8-9%. Adjusted EBITDA is expected between $1.807 billion and $1.827 billion. Adjusted earnings guidance increased to $4.75-$4.83 per share from the earlier range of $4.68-$4.75, reflecting stronger first-half execution and improved contributions from Mexico. In the past month, investors have witnessed a downward trend in estimates review. At this time, TransUnion has a nice Growth Score of B, though it is lagging a lot on the Momentum Score front with a D. However, the stock was allocated a score of B on the value side, putting it in the second quintile for value investors. Overall, the stock has an aggregate VGM Score of B. If you aren't focused on one strategy, this score is the one you should be interested in. Estimates have been broadly trending downward for the stock, and the magnitude of these revisions indicates a downward shift. Notably, TransUnion has a Zacks Rank #3 (Hold). We expect an in-line return from the stock in the next few months. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report TransUnion (TRU) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

TransUnion TRU reported impressive second-quarter 2026 results, with both earnings and revenues beating the Zacks Consensus Estimate. TRU’s adjusted earnings of $1.23 per share topped the Zacks Consensus Estimate by 7.9% and increased 13.9% from the year-ago quarter’s level. The performance extended the company’s strong start to 2026. Revenues of $1.31 billion surpassed the consensus estimate by 1.7% and rose 14.9% year over year. Organic constant-currency revenues grew 10% from the year-ago quarter, led by U.S. Financial Services and Emerging Verticals. The better-than-expected results impressed investors, as the stock has gained 8.4% since the company released results on July 28. TransUnion price-consensus-eps-surprise-chart | TransUnion Quote TRU’s shares have plunged 12% over the past year compared with the industry’s 11.4% decrease. The Zacks S&P 500 Composite has risen 19.6% over the same time frame. U.S. Markets revenues increased 11% to $992.7 million. Financial Services revenues climbed 18% to $496.3 million, reflecting strength across credit and non-credit offerings, pricing actions and new client wins. Excluding FICO mortgage royalties, Financial Services growth was 10%. Credit Card and Banking revenues increased 6%, while Consumer Lending and Auto each grew 8%. Mortgage revenues advanced 37%, or 15% excluding the royalty benefit, despite a 7% decline in inquiries. Emerging Verticals revenues rose 9% to $353.9 million. Insurance delivered its eighth consecutive quarter of double-digit growth, while technology, retail and e-commerce produced high-single-digit growth. Consumer Interactive revenues declined 3% to $142.5 million. Growth through indirect channels was offset by continued weakness in the direct-to-consumer business. International revenues increased 27% to $320.8 million, including the contribution from Trans Union de Mexico. On an organic constant-currency basis, growth accelerated to 6% from flat performance in the first quarter. Canada revenues rose 10% to $46.4 million, supported by financial services, fintech and insurance demand. The United Kingdom revenues increased 9% to $73.5 million, benefiting from market-share gains and new business across banking and fintech. India revenues returned to growth, rising 8% on a constant-currency basis, as credit volumes improved and new client wins strengthened. Latin America grew 5% organically, while Africa advanced 5%. Asia Pacific declined 7%, although management expects the region to return to growth in the second half. Trans Union de Mexico continued to perform ahead of the company’s acquisition assumptions. Management plans to expand its data coverage, introduce TruIQ analytics and eventually migrate the business to the OneTru platform. Adjusted EBITDA increased 12% to $456.1 million. The adjusted EBITDA margin contracted 90 basis points to 34.8%, with management attributing the decline entirely to FICO mortgage royalties. U.S. Markets adjusted EBITDA rose 7% to $361 million, while its margin declined to 36.4% from 37.9%. International adjusted EBITDA increased 27% to $136.8 million, while its margin held steady at 42.7%. GAAP net income attributable to TransUnion increased to $143.4 million from $109.6 million. Diluted GAAP earnings were 74 cents per share, up from 56 cents in the prior-year quarter. TransUnion ended June with $839.1 million in cash and cash equivalents and $5.59 billion in total debt. Its leverage ratio declined to 2.6X, supported by adjusted EBITDA growth. Cash provided by operating activities totaled $459.1 million in the first six months of 2026, up from $343.8 million a year earlier. Capital expenditures decreased to $134.4 million from $145.4 million. The company repurchased roughly $150 million of shares through July, including 2.1 million shares at an average price of about $71. Management expects second-half repurchases to be at least comparable to the first-half pace while continuing to target leverage below 2.5X. For the third quarter, TransUnion expects revenues to be between $1.292 billion and $1.310 billion, representing reported growth of 11-12%. The Zacks Consensus Estimate for the same is pegged at $1.31 billion. Organic constant-currency growth is projected at 6-8%. TRU guided its third-quarter 2026 adjusted earnings to be between $1.18 and $1.21 per share, with the midpoint of $1.195 per share being lower than the Zacks Consensus Estimate of $1.23 per share. Adjusted EBITDA is anticipated to be between $455 million and $463 million, with a margin of 35.2-35.4%. For 2026, the company raised its revenue outlook to $5.127-$5.162 billion, implying growth of 12-13%. The midpoint of the guided range ($5.145 billion) is marginally higher than the Zacks Consensus Estimate of $5.14 billion. Organic constant-currency growth remains projected at 8-9%. Adjusted EBITDA is expected between $1.807 billion and $1.827 billion. Adjusted earnings guidance increased to $4.75-$4.83 per share from the earlier range of $4.68-$4.75, reflecting stronger first-half execution and improved contributions from Mexico. The Zacks Consensus Estimate for the same is pegged at $4.75 per share. TransUnion currently carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here. WEX Inc. WEX reported better-than-expected second-quarter 2026 results. WEX’s adjusted earnings of $5.35 per share outpaced the Zacks Consensus Estimate by 5.3% and increased 35.4% from the year-ago quarter. WEX’s revenues of $753.5 million topped the consensus estimate by 1.8% and improved 14.2% year over year. Waste Connections, Inc. WCN posted impressive second-quarter 2026 results. WCN’s adjusted earnings of $1.50 per share outpaced the consensus mark by 11.1% and rose 16.3% from the year-ago quarter. WCN’s total revenues of $2.56 billion surpassed the consensus mark by 1.1% and increased 6.4% year over year. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report TransUnion (TRU) : Free Stock Analysis Report Waste Connections, Inc. (WCN) : Free Stock Analysis Report WEX Inc. (WEX) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

This article first appeared on GuruFocus. Revenue: Increased 15% on a reported basis and 10% on an organic constant currency basis. US Markets Revenue: Grew 11% on an organic constant currency basis. Financial Services Revenue: Grew 18% or 10% excluding FICO mortgage royalties. International Revenue: Accelerated to 6% growth organically. Adjusted EBITDA: Increased 12% with a margin of 34.8%. Adjusted Diluted Earnings Per Share: $1.23, up 13% year-over-year. Share Repurchases: Year-to-date total of roughly $150 million. Leverage Ratio: Reduced to 2.6 times. Full Year Guidance: 8% to 9% organic constant currency revenue growth, 10% to 11% adjusted EBITDA growth, and 11% to 12% adjusted diluted EPS growth. Third Quarter Guidance: Revenue between $1.292 billion and $1.310 billion, adjusted EBITDA between $455 million and $463 million, and adjusted diluted EPS between $1.18 and $1.21. Warning! GuruFocus has detected 5 Warning Signs with TRU. Is TRU fairly valued? Test your thesis with our free DCF calculator. Release Date: July 28, 2026 For the complete transcript of the earnings call, please refer to the full earnings call transcript. TransUnion (NYSE:TRU) exceeded its guidance for revenue, adjusted EBITDA, and adjusted diluted earnings per share in Q2 2026. The company reported a 10% organic constant currency revenue growth, surpassing its 8% to 9% guidance. US markets saw an 11% revenue increase, with Financial Services leading at 18% growth. International revenues accelerated to 6% organically, with strong performances in Canada, India, and the UK. TransUnion (NYSE:TRU) raised its full-year guidance, expecting 8% to 9% organic constant currency revenue growth and 11% to 12% adjusted diluted earnings per share growth. The macroeconomic environment remains uncertain, with potential impacts from inflation and interest rate fluctuations. Mortgage activity is modestly pressured by rising interest rates, with the 10-year treasury yield approaching 4.7%. Consumer Interactive segment declined by 3%, driven by declines in the direct channel. Asia Pacific region experienced a 7% decline, although the rate of decline is improving. Adjusted EBITDA margin decreased by 90 basis points year-over-year, primarily due to the impact of FICO mortgage royalties. Q: I'm struggling to understand how the non-mortgage organic upside and momentum gets adjusted in the guidance. Is it just baked in as increased conservatism? A: Todd Cello, CFO, explained that the guidance for mortgage remains at 28% growth, with 6% excluding FICO mortgage royalties. The first half saw outperformance due to lower mortgage rates early in the year. The guidance assumes conservative mortgage volume declines due to higher rates. Non-mortgage growth is expected to continue at a similar trajectory, with strong performance in core financial services and international markets. The guidance is prudently conservative, with potential to exceed the high end if current conditions persist. Q: Are you seeing increased demand for your data sets due to AI advancements, and in which areas? A: Christopher Cartwright, CEO, noted that AI-driven customers consume more data, enhancing model predictiveness. TransUnion is well-positioned with AI product innovations to support clients. The AI trend is expected to stimulate greater data consumption and expand TransUnion's addressable market through its TruIQ analytics platform. Q: What is driving the expected acceleration in marketing solutions revenue growth in the second half of the year? A: Cartwright highlighted seasonality in the marketing business, with increased demand for market share and effectiveness studies in Q4. TransUnion is gaining traction with its TruAudience suite, which offers a more powerful product and streamlined services, leading to a stronger pipeline and expected acceleration in the second half. Q: Can you elaborate on the economic and commercial environment in India and expectations for the rest of the year? A: Cartwright stated that India is seeing stabilization in consumer and commercial lending volumes, supported by government programs. The macro environment remains attractive, with GDP growth and reasonable inflation. TransUnion's competitive position is strong, with record new sales and innovations in data and analytics driving growth. Q: How is the fintech environment affecting consumer lending growth, and is it sensitive to rising interest rates? A: Cartwright explained that consumer lending growth is consistent, with fintechs diversifying funding sources and meeting robust market demand. The fintech model is durable, and while growth has slowed slightly due to tougher comps, the absolute growth remains healthy. Interest rates have less impact on consumer lending compared to mortgage origination. For the complete transcript of the earnings call, please refer to the full earnings call transcript.

Interested in TransUnion? Here are five stocks we like better. TransUnion exceeded Q2 expectations, with organic constant-currency revenue growth of 10%, adjusted EPS up 13% to $1.23, and adjusted EBITDA rising 12%. U.S. financial services, emerging verticals and improving international performance drove results. The company raised its 2026 outlook for organic revenue growth to 8%–9%, adjusted EBITDA growth to 10%–11% and adjusted EPS growth to 11%–12%, while maintaining its mortgage revenue growth forecast. TransUnion is accelerating its OneTru and AI investments, with more than 4,000 U.S. credit customers migrated and productivity gains exceeding 25% among software engineers and data scientists. The company also repurchased approximately $150 million of shares through July. 2 Must-Have Specialized ETFs for the Long-Term Investor TransUnion (NYSE:TRU) reported second-quarter results above its guidance and raised its outlook for full-year 2026, citing continued strength in U.S. financial services, growth in emerging verticals and improving international trends. Organic constant-currency revenue increased 10% in the second quarter, exceeding the company’s prior 8% to 9% forecast and marking its 10th consecutive quarter of at least high-single-digit organic growth. Excluding FICO mortgage royalties, organic revenue grew 7%. → Volatility Is Back and These 3 Market Tollbooths Are Best Positioned to Profit Adjusted diluted earnings per share rose 13% year over year to $1.23, or $0.08 above the high end of TransUnion’s guidance. Reported revenue increased 15%, while adjusted EBITDA rose 12%. The company said revenue exceeded its guidance by $27 million and adjusted EBITDA surpassed guidance by $11 million. U.S. markets revenue grew 11% on an organic constant-currency basis. Financial services revenue rose 18%, or 10% excluding FICO mortgage royalties, as the company cited sales momentum in credit and non-credit offerings, modest volume growth and pricing actions. → This Tiny AI Supplier Could Be More Important Than the Chipmakers Within non-mortgage financial services, revenue increased 8%. Credit card and banking revenue grew 6%, consumer lending grew 8%, and auto revenue increased 8%. Chief Financial Officer Todd Cello said auto growth outpaced declining industry volumes, supported by pricing and new customer wins. Mortgage revenue rose 37%, or 15% excluding FICO royalties, despite a 7% decline in inquiries. TransUnion attributed the outperformance to pricing actions and revenue sources beyond traditional tri-bureau reports. The company also added FactorTrust alternative credit attributes to its mortgage credit file at no additional cost to customers. → 2 Stocks Built to Thrive If Inflation Refuses to Fade The company said VantageScore adoption in mortgage has expanded. At the beginning of the year, fewer than 5% of TransUnion mortgage credit inquiries included VantageScore; that figure had risen to nearly 30% across more than 900 lenders by the second quarter. Management said its 2026 outlook does not include a benefit from VantageScore adoption. Emerging verticals revenue accelerated 9%, led by an eighth consecutive quarter of double-digit growth in insurance. Technology, retail and e-commerce revenue grew at a high-single-digit rate, while public sector and media grew in the mid-single digits. Tenant and employment returned to growth, while telecommunications declined modestly. Consumer interactive revenue fell 3%, as indirect-channel growth was offset by declines in the direct channel. International organic constant-currency revenue grew 6%, improving from flat growth in the first quarter. Canada grew 10%, India rose 8%, and the United Kingdom increased 9%, according to the company. Chief Executive Officer Chris Cartwright said India benefited from improving credit volumes, new business wins and government-backed support for commercial lending. Management expects similar growth in India during the third quarter and faster growth in the fourth quarter as comparisons become easier. Latin America grew 5%, supported by double-digit growth in Brazil and improving performance in Colombia and other markets. Africa also increased 5%. Asia-Pacific revenue declined 7%, though the rate of decline improved as TransUnion lapped prior-year one-time contracts. The company expects Asia-Pacific to return to growth in the second half. TransUnion said its recently acquired Mexican credit bureau is performing ahead of its acquisition case on revenue and adjusted EBITDA. The company plans to deploy TruIQ analytics, TruValidate fraud tools and credit education products in Mexico over the next year, while eventually migrating the operation to its OneTru platform. Cartwright said TransUnion has migrated more than 4,000 U.S. credit customers to its OneTru platform. Roughly 60% of U.S. batch activity and 30% of online customers now operate on OneTru, and the company expects to complete U.S. customer migrations by the end of 2026. The company has also deployed OneTru instances in Canada, the United Kingdom and India to support its TruIQ analytics platform. It launched TruValidate in the United Kingdom and Trusted Call Solutions in Canada and India. TransUnion launched 40 products and AI-powered enhancements in the first half. It said internal AI tools have produced average productivity gains of more than 25% among software engineers and data scientists, along with early gains of more than 20% in consumer support operations. Cartwright said the company expects AI adoption among lenders to increase consumption of proprietary data and demand for analytics and decisioning capabilities. He also said TransUnion’s TruIQ platform and agentic AI tools could expand its addressable market by automating modeling and prediction work for customers. For 2026, TransUnion raised its outlook for organic constant-currency revenue growth to 8% to 9%, adjusted EBITDA growth to 10% to 11%, and adjusted diluted EPS growth to 11% to 12%. The EPS growth forecast was increased from a prior range of 9% to 11%. Full-year revenue is projected at $5.127 billion to $5.162 billion, representing growth of 12% to 13%. Full-year adjusted EBITDA is expected to be $1.807 billion to $1.827 billion. Adjusted diluted EPS is forecast at $4.75 to $4.83. Third-quarter revenue is projected at $1.292 billion to $1.310 billion, with adjusted diluted EPS of $1.18 to $1.21. Management maintained its full-year mortgage revenue growth expectation of 28%, or 6% excluding FICO royalties, while assuming mid- to high-single-digit inquiry declines for the year and low-double-digit declines in the second half. Cello said the company has taken a conservative view of mortgage trends as rates have risen, while expecting non-mortgage organic growth to remain at or above the 6% rate reported in the second quarter. TransUnion ended the quarter with $5.6 billion in debt and $839 million in cash, lowering its leverage ratio to 2.6 times. Through July, the company repurchased 2.1 million shares at an average price of about $71 per share, totaling roughly $150 million. Management said it expects second-half repurchases to be at least comparable with the first-half pace and continues to target leverage below 2.5 times over the long term. TransUnion is a global information and insights company that helps businesses and consumers make critical decisions using data and analytics. As one of the three major credit bureaus in the United States, TransUnion collects and aggregates credit information on individuals and businesses, providing credit reports, risk scores and portfolio management tools to financial institutions, lenders, landlords and other decision makers. Its consumer-facing products enable individuals to monitor credit status, detect identity theft and access personalized financial insights. The company's offerings span credit risk assessment, identity management, fraud prevention and marketing solutions. This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to [email protected]. The article "TransUnion Q2 Earnings Call Highlights" was originally published by MarketBeat. View MarketBeat's top stocks for July 2026.

TransUnion (TRU) reported $1.31 billion in revenue for the quarter ended June 2026, representing a year-over-year increase of 14.9%. EPS of $1.23 for the same period compares to $1.08 a year ago. The reported revenue compares to the Zacks Consensus Estimate of $1.29 billion, representing a surprise of +1.73%. The company delivered an EPS surprise of +7.9%, with the consensus EPS estimate being $1.14. While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance. Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance. Here is how TransUnion performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts: Revenue- U.S. Markets: $992.7 million compared to the $979.05 million average estimate based on five analysts. The reported number represents a change of +11.5% year over year. Revenue- U.S. Markets Gross Revenue- Consumer Interactive: $142.5 million versus $144.36 million estimated by five analysts on average. Compared to the year-ago quarter, this number represents a -3% change. Revenue- International: $320.8 million versus $299.68 million estimated by five analysts on average. Compared to the year-ago quarter, this number represents a +26.9% change. Revenue- International Gross Revenue- Asia Pacific: $22.1 million versus $23.85 million estimated by five analysts on average. Compared to the year-ago quarter, this number represents a -9.8% change. Revenue- International Gross Revenue- India: $65.1 million compared to the $64.53 million average estimate based on five analysts. The reported number represents a change of -2.3% year over year. Revenue- International Gross Revenue- Africa: $21 million versus the five-analyst average estimate of $21.01 million. The reported number represents a year-over-year change of +15.4%. Revenue- U.S. Markets Gross Revenue- Financial Services: $496.3 million versus the five-analyst average estimate of $490.29 million. The reported number represents a year-over-year change of +18.2%. Revenue- U.S. Markets Gross Revenue- Emerging Verticals: $353.9 million compared to the $345.23 million average estimate based on five analysts. The reported number represents a change of +9.4% year over year. Revenue- International Gross Revenue- Canada: $46.4 million versus $46 million estimated by five analysts on average. Compared to the year-ago quarter, this number represents a +9.7% change. Revenue- International Gross Revenue- Latin America: $92.7 million versus $62.97 million estimated by five analysts on average. Compared to the year-ago quarter, this number represents a +171.9% change. Revenue- International Gross Revenue- UK: $73.5 million versus the five-analyst average estimate of $73.21 million. The reported number represents a year-over-year change of +9.4%. Revenue- Total gross revenue: $1.31 billion versus $1.28 billion estimated by four analysts on average. Compared to the year-ago quarter, this number represents a +14.9% change. View all Key Company Metrics for TransUnion here>>> Shares of TransUnion have returned +7.6% over the past month versus the Zacks S&P 500 composite's +1.7% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report TransUnion (TRU) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research

Our analysts just identified a stock with the potential to be the next Nvidia. Tell us how you invest and we'll show you why it's our #1 pick. Tap here. Delivered 10% organic constant currency revenue growth, marking the tenth consecutive quarter of high single-digit growth or better. U.S. Financial Services outperformance was driven by share gains and innovation rather than underlying market volumes, growing at a 9% CAGR excluding mortgage. Strategic diversification has resulted in over one-third of Financial Services revenue coming from alternative data and non-credit solutions like Trusted Call. Platform modernization reached a milestone with 60% of U.S. match activity and 30% of online customers now migrated to the OneTru platform. International acceleration to 6% organic growth was supported by a return to growth in India and strong performance in Canada and the U.K. The Mexico acquisition is significantly outperforming the initial acquisition case, benefiting from structural data advantages and near-shoring economic trends. Internal AI deployment is yielding material productivity gains, including over 25% efficiency improvements for software engineers and data scientists. Raised full-year 2026 adjusted diluted EPS guidance to 11% to 12% growth, reflecting first-half outperformance and constructive market trends. Guidance assumes a 'prudently conservative' stance on mortgage, factoring in potential second-half volume declines due to higher interest rates. Expect to complete all U.S. credit customer migrations to the OneTru platform by the end of 2026. Anticipate underlying margin expansion of 50 to 70 basis points for the full year, driven by revenue flow-through and transformation savings. Projected acceleration in India for the second half of 2026 as market volumes stabilize and the business laps softer year-over-year comparisons. FICO mortgage royalties created a 90 basis point drag on adjusted EBITDA margins, though underlying margins expanded modestly. The 10-year treasury yield increase of approximately 50 basis points since the start of the year has pressured mortgage activity but had limited impact elsewhere. Leverage ratio was successfully reduced to 2.6x, with a long-term target of moving below 2.5x. Mexico integration remains a primary focus, with plans to deploy global TruIQ and TruValidate products to the region over the next year. One stock. Nvidia-level potential. 30M+ investors trust Moby to find it first. Get the pick. Tap here. Management explained that while mortgage guidance remains unchanged, they have 'derisked' the second half to absorb potential rate-driven volume softening. Non-mortgage trends remain consistent with Q2 performance, and the company expects to land at or above the high end of the full-year range if current trends persist. Adoption of VantageScore in mortgage inquiries surged from less than 5% at the start of the year to approximately 30% across 900 lenders. While most activity is currently dual-score, management is seeing an increase in VantageScore-only usage in certain segments like mortgage insurance. Management noted that AI-centric customers consume more data because model predictiveness improves with the curated, authoritative data TransUnion provides. The company is building an 'agentic layer' on top of TruIQ to automate model building, which is expected to expand their total addressable market. Acceleration is expected due to typical Q4 seasonality where publishers use TransUnion for market share and effectiveness studies. Momentum is building as legacy customers migrate to the more powerful TruAudience suite on the OneTru platform.