TRU · TransUnion Q2 FY2026 earnings call record财报电话会记录

“Our organic constant currency revenue grew 10%, above our 8%-9% guidance, which marks our 10th straight quarter of at least high single-digit growth.”

“We now expect 8%-9% organic constant currency revenue growth, 10%-11% adjusted EBITDA growth, and 11%-12% adjusted diluted earnings per share growth.”

“Across our markets, we continue to experience consumer resilience and broadly stable market volumes.”

“Acquisitions had an immaterial impact on consolidated margins as Mexico delivered better than anticipated adjusted EBITDA performance.”

“Underlying margins expand by 20-40 basis points, offset by an 80 basis point drag from FICO royalties and a 60 basis point impact from acquisitions.”

“For full-year guidance, we expect revenue to be between $5.127 billion-$5.162 billion, up 12%-13%.”

“We expect organic constant currency revenue growth of 8%-9%, or 5%-6%, excluding FICO mortgage royalties.”

“We now expect 8%-9% organic constant currency revenue growth and 11%-12% adjusted diluted EPS.”

“Then, with geopolitical tensions, we saw the 10-year treasury yield rise, and as a result of that, the 30-year also went up, and that had an impact on our volumes.”

“In terms of the volumes that we're seeing on the consumer and the commercial side, things are stabilizing, which is good.”

“I think pulling back the lens and thinking about the last few years, the outlier for fintechs in consumer lending was during the 2022, 2023 time period, where rates spiked after incredibly hot growth in that segment for a long time, and there was simply a retrenchment.”

“M&A becomes a little bit more of a drag on a margin perspective as we focus on integrating the Mexico acquisition, and it's a headwind of about 60 basis points.”