TransUnion 3Q 2026: Revenue $1.31B, Net income $156.2M, EPS $0.81— 10-Q Summary

What happened

TransUnion reported third-quarter 2026 revenue of $1.31 billion, up 12.2% from a year earlier. Net income attributable to TransUnion rose to $156.2 million from $96.6 million, and diluted earnings per share increased to $0.81 from $0.49.

Confirmed

Global impact / market context

Higher revenue and profit mean TransUnion keeps more money from each sale, which supports its ability to fund operations and acquisitions. U.S. Markets grew 7.0%, led by Financial Services and Emerging Verticals, while Consumer Interactive revenue declined 3.0% as demand for paid credit products weakened.

Analyst inference

International revenue increased 30.4%, driven largely by the Trans Union de Mexico acquisition, with recent acquisitions contributing 4.9% of total revenue growth. Adjusted EBITDA rose 9.3%, but its margin declined 90 basis points amid FICO mortgage royalties and higher legal and regulatory costs, which means a smaller share of each sales dollar became operating profit.

Analyst inference

What to watch

1. The company completed its transformation plan in 2025, a restructuring effort, so investors can watch whether these cost changes persist now that the plan has ended. Confirmed
2. Management expects elevated mortgage rates to constrain U.S. housing activity and loan demand, which could limit revenue from credit checks tied to mortgages and other lending. Analyst inference
3. Watch whether higher legal and regulatory costs and FICO mortgage royalties keep pressuring profit per sale, and whether the Mexico acquisition sustains international growth. Analyst inference

Evidence

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