TransUnion (TRU) Earnings: Q3 2026 Results

The quarter ended September 30, 2026 and TransUnion published the results on October 27, 2026. Revenue and diluted EPS are shown against Q3 2025, the same quarter a year earlier, which takes seasonal swings out of the comparison. TransUnion reports EPS two ways: GAAP, under the accounting rules every US filer follows, and Adjusted Diluted EPS, which leaves out items the company considers outside its operating results. The release reconciles the two, and when they diverge, the reconciliation says why.

• TransUnion raised its stake in Trans Union de Mexico from about 26% to about 94% on March 2, 2026 and now consolidates it in Latin America, within the International segment. Most of International's 30.4% reported growth came from that deal and from Monevo.
• Q1 2026 diluted EPS of $2.04 included a non-taxable gain of $225.5 million from remeasuring TransUnion's earlier stake in Trans Union de Mexico.
• Segment figures are gross revenue before intersegment eliminations, as TransUnion reports them.

Source: TransUnion Q3 2026 results (Form 8-K, Exhibit 99.1), October 27, 2026. Also in the Form 10-Q for the quarter ended September 30, 2026. Figures as reported; checked against the release on November 10, 2026.

How TransUnion splits revenue in its own release, under its own labels, for Q3 2026 against Q3 2025. Indented lines are parts of the line above them.

• TransUnion's U.S. Markets revenue was $977 million in Q3 2026, up 7% from $913 million in Q3 2025, 74% of total revenue.
• TransUnion's International revenue was $339 million in Q3 2026, up 30% from $260 million in Q3 2025, 26% of total revenue.

Segment lines are the figures writers cite most often, because they show where the growth in a quarter came from. Companies redraw their segments from time to time and restate the prior year to match, so a year-ago figure here can differ from the one printed a year ago. When that has happened, the note above says so.

From the earnings release

The first quote is from CEO Chris Cartwright. TransUnion's outlook table puts Q4 2026 revenue at $1,264 million to $1,294 million, diluted EPS at $0.66 to $0.73 and Adjusted Diluted EPS at $1.15 to $1.22. For full-year 2026 it gives revenue of $5,131 million to $5,162 million and Adjusted Diluted EPS of $4.81 to $4.88.

In its Q3 2026 release, TransUnion said:

“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 impact of the recent acquisitions is expected to be approximately 5 points of benefit for Q4 2026 and approximately 4 points of benefit for FY 2026.”

“The impact of FICO mortgage royalty is expected to be approximately 1 point of benefit for Q4 2026 and approximately 3 points of benefit for FY 2026.”

Source: TransUnion Q3 2026 release, Oct 27, 2026.

This is the company's own guidance as of Oct 27, 2026, quoted as given. Walnut does not make forecasts of its own. Analyst estimates for the coming quarters are on the TRU forecast page.

Revenue and diluted EPS for the last 5 quarters. Each date links to that quarter's release.

GAAP revenue and diluted EPS attributable to TransUnion, each as first reported in that quarter's earnings release.

We do not hold a confirmed date for TransUnion's next report. Companies post the date on their investor relations site a few weeks ahead, usually with the time of the conference call.

Each quarter keeps its own page with the figures as reported, so a link to one stays pointed at the same numbers after the next report.

• Q3 2026 (this page), reported Oct 27, 2026

TransUnion reports two segments. U.S. Markets brought in $976.8 million of gross revenue in Q3 2026 and International $339.0 million, for total revenue of $1,312.5 million after $3.3 million of intersegment eliminations. Within U.S. Markets, Financial Services was $485.5 million, Emerging Verticals $351.0 million and Consumer Interactive $140.3 million. (TransUnion Q3 2026 earnings release, Oct 27, 2026)

Financial Services covers TransUnion's Mortgage, Card and Banking, Consumer Lending and Auto lines of business. Its revenue rose $47.5 million, or 10.8%, and TransUnion said a majority of that growth came from Mortgage, due primarily to increases in price, including from FICO mortgage royalties. Excluding mortgage, Financial Services grew 5%, and total organic constant currency growth of 8% was about 5.5% excluding FICO mortgage royalties. (TransUnion Form 10-K, 2025, Feb 27, 2026; TransUnion Form 10-Q, Q3 2026, Oct 27, 2026; TransUnion Q3 2026 earnings presentation (Exhibit 99.2), Oct 27, 2026)

Emerging Verticals grew 6.3%, led by volume increases in Insurance, which TransUnion said posted its 9th straight quarter of double-digit growth. Consumer Interactive, the direct-to-consumer credit business, fell 3.0% on lower demand for paid credit products, partly offset by indirect channel breach revenue and offers revenue from a new direct-to-consumer platform. (TransUnion Form 10-Q, Q3 2026, Oct 27, 2026; TransUnion Q3 2026 earnings presentation (Exhibit 99.2), Oct 27, 2026)

International revenue rose 30.4% to $339.0 million, and 20.9 points of that came from the Trans Union de Mexico and Monevo acquisitions. Latin America revenue nearly tripled, to $98.7 million from $33.7 million, after TransUnion took a controlling stake in Trans Union de Mexico for $659.6 million in March 2026. India revenue was $73.7 million, up 7.5% as reported and 18% in constant currency; Asia Pacific was flat at $23.7 million. (TransUnion Q3 2026 earnings release, Oct 27, 2026; TransUnion Form 10-Q, Q3 2026, Oct 27, 2026)

TransUnion's revenue is concentrated in the United States. In 2025, Financial Services accounted for about 37% of consolidated gross revenue and Consumer Interactive about 13%. (TransUnion Form 10-K, 2025, Feb 27, 2026)

TransUnion's GAAP diluted EPS was $0.81 in Q3 2026, against $0.49 a year earlier, and Adjusted Diluted EPS was $1.25, against $1.10. The largest item between the two is amortization of certain intangible assets, $83.7 million or $0.43 a share, mostly from the 2012 change in control and later acquisitions. TransUnion also excludes stock-based compensation, $37.0 million or $0.19 a share. (TransUnion Q3 2026 earnings release, Oct 27, 2026)

The year-ago quarter carried costs that are no longer there: $22.1 million of accelerated technology investment and $11.5 million for the operating model optimization program, both of which ended in 2025, plus $5.1 million of restructuring. The GAAP effective tax rate fell to 23.2% from 33.3%; the adjusted rate was 25.7%. (TransUnion Q3 2026 earnings release, Oct 27, 2026)

Diluted weighted average shares fell to 192.6 million from 197.2 million. TransUnion repurchased $128.8 million of stock in the quarter at an average price of $80.26, and on October 26, 2026 the Board added $1.0 billion to the repurchase authorization, bringing it to $2.0 billion. The quarterly dividend was raised to $0.135 from $0.125. (TransUnion Form 10-Q, Q3 2026, Oct 27, 2026; TransUnion Q3 2026 earnings release, Oct 27, 2026)

Diluted EPS divides net income by the weighted average number of shares outstanding in the quarter, plus the shares that options and other equity awards could add. Buybacks shrink that count and lift EPS for the same profit; share issuance and stock awards enlarge it.

TransUnion publishes a quarterly and full-year outlook in its release. For Q4 2026 it guided revenue of $1,264 million to $1,294 million, 3% to 6% organic constant currency growth, diluted EPS of $0.66 to $0.73 and Adjusted Diluted EPS of $1.15 to $1.22. Recent acquisitions are expected to add about 5 points to Q4 revenue growth and FICO mortgage royalty about 1 point. (TransUnion Q3 2026 earnings release, Oct 27, 2026)

For full-year 2026 TransUnion kept revenue at $5,131 million to $5,162 million and raised Adjusted Diluted EPS to $4.81 to $4.88. Its presentation put the EPS increase down to lower net interest expense and recent repurchases, and said it expects about $500M of repurchases for the year. (TransUnion Q3 2026 earnings release, Oct 27, 2026; TransUnion Q3 2026 earnings presentation (Exhibit 99.2), Oct 27, 2026)

A consensus figure is the average of the models published by the analysts who cover TransUnion, collected by a data provider and revised up to the day of the report. A quarter that lands above it says how expectations were set as much as how the business did, and the share price on the day also reflects the guidance and the lines no consensus covers.

The consensus figures on this page are Yahoo Finance's, as pulled on the date shown. Each comes with the number of analysts behind it; the smaller that number, the more one revised estimate can move the average.

The figures below are the ones TransUnion's own release and filings put weight on for Q3 2026, with the latest reported value for each.

What the quarter means for a holding is a separate question from what it reported. The case for and against owning TRU is on is TRU a buy or a sell?, what analysts expect next is on the TRU forecast, and what the company does is on the TransUnion (TRU) stock page.

Every number on this page can be traced to a document TransUnion published. Checking one takes a couple of minutes, and it is worth doing before you quote a figure anywhere.

• The results release is the document linked in the source line above. Companies publish it on their investor relations site at the moment results go out, and it carries the headline tables: revenue, operating income, net income and EPS for the quarter and the year-ago quarter.
• The same release is filed with the SEC as Exhibit 99.1 to a Form 8-K under Item 2.02, usually on the day of the report. The SEC copy does not change after the fact, which makes it the safer thing to link when you cite a number.
• The quarterly report (Form 10-Q) follows within a few weeks and carries the full financial statements, the segment note and management's discussion of what changed. The fourth quarter is covered by the annual report (Form 10-K) instead.
• Restated comparisons are flagged in the notes on this page. When a company redraws its segments or changes how it adjusts EPS, it restates the year-ago column, so the year-ago figure in a new release can differ from the one printed a year ago. This page always uses the comparison in the newer release, because that is the like-for-like one.

A walk-through of every line in a release, with what each one tells you, is in how to read an earnings report.