TransUnion (NYSE: TRU) has released its financial results for the second quarter of 2026, showcasing robust growth across various segments. The company reports a significant increase in revenue, net income, and earnings per share compared to the same quarter last year.

1. Strong Revenue Growth

TransUnion reported total revenue of $1,310 million for Q2 2026, marking a 15% increase year-over-year. Even when adjusted for constant currency, the growth remains at 15%, while the organic constant currency growth stands at 10%. This uptick is largely attributed to strong performances in its U.S. Markets segment, which grew by 11%, driven primarily by the U.S. Financial Services and Emerging Verticals sectors.

Earnings Performance

The company’s net income attributable to TransUnion rose to $143 million for the quarter, up from $110 million in Q2 2025. This resulted in diluted earnings per share (EPS) of $0.74, compared to $0.56 in the prior year. The net income margin also improved to 10.9%, up from 9.6% a year earlier.

In addition, the adjusted net income for Q2 2026 was reported at $238 million, an increase from $213 million in the same quarter of 2025, with adjusted diluted EPS rising to $1.23 from $1.08.

Adjusted EBITDA Insights

Adjusted EBITDA for the quarter reached $456 million, reflecting a 12% increase compared to $407 million in Q2 2025. The adjusted EBITDA margin was reported at 34.8%, slightly down from 35.7% the previous year.

2. Segment Highlights

U.S. Markets

Financial Services: Revenue reached $496 million, showing an impressive growth rate of 18%.

Emerging Verticals: Generated $354 million in revenue, with a growth of 9%.

Consumer Interactive: Experienced a slight decline of 3%, generating $142 million.

Overall, the total revenue for U.S. Markets stood at $993 million, with an adjusted EBITDA of $361 million, reflecting a 7% growth.

International Expansion

TransUnion's international segment reported total revenue of $321 million, up by 27%, with constant currency growth at 28%. Notable performances were seen in:

Canada: Revenue grew by 10%.

Latin America: Recorded an astounding 172% growth.

United Kingdom: Increased by 9%.

India: Experienced a slight decline of 2%.

The international adjusted EBITDA also saw a substantial growth of 27%, amounting to $137 million.

3. Financial Position and Liquidity

As of June 30, 2026, TransUnion reported cash and cash equivalents of $839 million, down slightly from $854 million at the end of 2025. Operating activities generated $459 million in cash for the first half of 2026, a significant increase from $344 million in the previous year. However, cash used in investing activities rose to $681 million, driven primarily by acquisitions, including TransUnion de Mexico.

The company's capital expenditures for the first half stood at $134 million, representing 5% of revenue, down from 7% in the same period of 2025.

4. Outlook for 2026

TransUnion is optimistic about its future, raising its guidance for 2026. The company expects to achieve a third consecutive year of at least high-single-digit organic constant currency revenue growth and double-digit adjusted diluted EPS growth. Chris Cartwright, President and CEO, emphasized the company's commitment to innovation and scalable growth, highlighting key milestones achieved in the first half of the year.

Third Quarter and Full Year Guidance

For the third quarter of 2026, TransUnion anticipates revenue in the range of $1,292 million to $1,292 million, with expected growth rates remaining strong. Adjusted EBITDA is projected between $455 million to $463 million, with diluted EPS expected to range from $0.68 to $0.71.

5. Conclusion

TransUnion’s second quarter results for 2026 reflect a strong operational performance and continued momentum in revenue growth. With an optimistic outlook and strategic initiatives in place, the company is well-positioned to capitalize on emerging opportunities in the financial services industry and beyond.

Original press release