TransUnion (NYSE:TRU) reported that fourth-quarter revenue reached $1.037 billion, up 9% year-over-year (Y/Y and on a constant currency basis), beating the consensus of $1.027 billion.

Revenue from U.S. Markets reached $792 million, up 8% Y/Y, and International revenue rose 11% Y/Y to $245 million in the quarter.

Adjusted EBITDA rose 16% Y/Y to $378 million, with an adjusted EBITDA margin of 36%, up from 34% in the year-ago quarter. Adjusted EPS of $0.97 exceeded the consensus of $0.96.

For the year, operating cash flow came in at $832.5 million. Cash and cash equivalents totaled $679 million as of December 31, 2024.

Chris Cartwright, President and CEO, said, “U.S. Markets grew by high single-digits in the fourth quarter against subdued but stable market conditions, driven by mortgage pricing, improving non-mortgage Financial Services growth and Insurance strength. Our International segment delivered double-digit growth led by India, Asia Pacific and Latin America.”

The Board declared a fourth-quarter 2024 cash dividend of $0.115 per share, payable on March 14, 2025, to shareholders of record as of February 27, 2025.

The Board of Directors has authorized a share repurchase program of up to $500 million.

Outlook: TransUnion projects first-quarter adjusted EPS of $0.96 – $0.99, vs. consensus estimate of $1.05 and revenue of $1.06 billion to $1.074 billion, vs. street view of $1.096 billion.

The company expects 2025 adjusted EPS of $3.93 – $4.08 vs. the consensus estimate of $4.46 and revenue of $4.333 billion – $4.393 billion, compared to estimate of $4.48 billion.

Cartwright added, “In 2025, we expect to deliver 4.5 to 6 percent organic constant currency revenue growth with modest margin expansion, assuming a continuation of current subdued conditions.”

In a separate release, TransUnion introduced a new direct-to-consumer experience in the U.S. through a strategic collaboration with Credit Sesame.

This offering aims to better serve the millions of consumers who visit TransUnion's digital properties each year by providing an engaging freemium credit education solution, seamlessly integrated with premium credit monitoring services.

Investors can gain exposure to the stock via VanEck ETF Trust VanEck Morningstar Wide Moat Growth ETF (BATS:MGRO) and VanEck Morningstar ESG Moat ETF (BATS:MOTE).

Price Action: TRU shares are up 4.11% at $97.31 at the last check Thursday.

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