财务数据和关键指标变化 - 第二季度收入同比增长8%,超出预期 [9][10] - 调整后EBITDA同比增长11%,利润率达36.2%,同比提升115个基点 [39] - 调整后每股收益增长15% [40] 各条业务线数据和关键指标变化 - 美国市场收入增长6%,调整后EBITDA增长9% [42] - 金融服务业务收入增长11%,不含抵押贷款收入下降2% [42][43] - 信用卡和银行业务收入下降2% [44] - 消费贷款收入下降3% [45] - 汽车业务收入增长3% [46] - 抵押贷款收入增长53% [47] - 新兴垂直行业收入增长4% [48][49] - 消费者互动业务收入下降1% [52] 各个市场数据和关键指标变化 - 国际业务收入同比增长14%,连续13个季度实现两位数增长 [53] - 印度业务增长27%,英国业务增长4%,加拿大增长12%,拉美增长13%,亚太增长14%,非洲增长10% [54][55][56][57][58] 公司战略和发展方向及行业竞争 - 公司正在推进技术现代化,整合产品线到统一的OneTru平台,提升创新能力和效率 [18][20][21][22][23][24][25][26][27] - 新推出的TruValidate欺诈防范和FactorTrust短期贷款产品显示了OneTru平台的优势 [30][33][34] - 公司正在向营销和欺诈防范领域拓展,利用核心的消费者身份识别能力 [29] - 公司在欺诈防范领域有较大的市场机会,TruValidate产品有望提升市场份额 [32] 管理层对经营环境和未来前景的评论 - 美国消费者财务状况总体健康,但低收入群体消费活动有所减弱 [11][12] - 通胀有所放缓,市场预期联储将在下半年开始降息 [12] - 公司维持谨慎的指引态度,应对宏观经济和地缘政治的不确定性 [10] - 公司对下半年的稳健增长和强劲利润率扩张保持信心 [74][75] 其他重要信息 - 公司在本季度偿还了8000万美元债务,并完成了债务再融资以降低利息费用 [17][59][60][61][62] - 公司提高了全年指引,主要受益于第二季度超预期表现和最近大规模数据泄露事件的收益 [72] 问答环节重要的提问和回答 问题1 **Jeff Meuler 提问** 询问信用卡和银行以及消费贷款业务在本季度和未来的表现 [79][80] **Todd Cello 回答** 解释了该业务线在上半年保持平稳,下半年随着基数效应的消除有望加速增长,但公司维持谨慎指引 [81][82][83][84][85] 问题2 **Kelsey Zhu 提问** 询问数据泄露业务的可持续增长水平和竞争格局 [117][118] **Chris Cartwright 回答** 解释公司通过收购Sontiq增强了在数据泄露业务的实力,有信心获得更多大型客户,但该业务收入具有一定的不确定性和波动性 [119][120][121][122][123] 问题3 **Shlomo Rosenbaum 提问** 询问公司技术转型项目的进展情况 [135][136] **Chris Cartwright 回答** 表示公司在技术转型方面取得了良好进展,OneTru平台建设按计划推进,预计2024年能实现预期的成本节约 [139][140][141][142]

TransUnion (TRU) reported $1.04 billion in revenue for the quarter ended June 2024, representing a year-over-year increase of 7.5%. EPS of $0.99 for the same period compares to $0.86 a year ago.The reported revenue compares to the Zacks Consensus Estimate of $1.02 billion, representing a surprise of +1.65%. The company delivered an EPS surprise of +1.02%, with the consensus EPS estimate being $0.98.While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how th ...

TransUnion (TRU) came out with quarterly earnings of $0.99 per share, beating the Zacks Consensus Estimate of $0.98 per share. This compares to earnings of $0.86 per share a year ago. These figures are adjusted for nonrecurring items. This quarterly report represents an earnings surprise of 1.02%. A quarter ago, it was expected that this credit reporting company would post earnings of $0.81 per share when it actually produced earnings of $0.92, delivering a surprise of 13.58%. Over the last four quarters, t ...

Exceeded second quarter 2024 financial guidance for revenue and earningsGrew revenue by 8 percent, driven by U.S. mortgage, International and Emerging Verticals, while executing on transformation program savingsVoluntarily prepaid $80 million in debt and completed debt refinancing, which extended maturities and reduced interest expense, and advanced our de-leveraging effortsRaising 2024 financial guidance, we now expect to deliver 7 to 8 percent revenue growth for the year CHICAGO, July 25, 2024 (GLOBE NEWS ...

财务业绩 - 总收入为10.41亿美元，同比增长8%(8%按固定汇率计算)[2] - 净利润为8500万美元，每股摊薄收益为0.44美元，净利润率为8.2%[3] - 调整后净利润为1.93亿美元，调整后每股摊薄收益为0.99美元[3] - 调整后EBITDA为3.77亿美元，调整后EBITDA利润率为36.2%[3] - 公司总收入为10.408亿美元，较上年同期增加7.5%[34] - 公司营业利润为1.824亿美元，较上年同期增加15.1%[34] - 公司净利润为8.5亿美元，较上年同期增加57.7%[34] - 公司每股基本收益为0.44美元，较上年同期增加57.1%[35] - 公司每股摊薄收益为0.44美元，较上年同期增加57.1%[35] - 公司经营活动产生的现金流量净额为3.492亿美元，较上年同期增加19.3%[37] 分部业绩 - 美国市场收入为8.09亿美元，同比增长6%[7] - 国际市场收入为2.35亿美元，同比增长13%(14%按固定汇率计算)[9] - 公司总收入同比增长7.5%，其中美国市场增长6.0%，国际市场增长13.1%[54] - 金融服务业务收入同比增长10.8%，新兴垂直行业收入增长4.4%，消费者互动业务收入下降1.3%[55] - 国际市场中加拿大收入增长10.0%，拉丁美洲增长14.3%，英国增长4.8%，非洲增长8.8%，印度增长24.6%，亚太地区增长13.1%[55] - 公司总收入为10.45亿美元，其中美国市场收入为8.09亿美元，国际市场收入为2.35亿美元[58,59,60] - 美国市场收入为15.16亿美元，同比增长4.8%，调整后EBITDA利润率为37.6%[63] - 国际市场收入为4.72亿美元，同比增长19.3%，调整后EBITDA利润率为44.0%[63] 未来展望 - 预计2024年全年收入增长7-8%(7-8%按固定汇率计算)[14] - 预计2024年全年调整后EBITDA增长8-11%[17] - 预计2024年第三季度收入为10.44-10.60亿美元，全年收入为40.98-41.38亿美元[14] - 公司预计2024年第三季度净利润4.9-5.9亿美元,全年净利润26.7-29.1亿美元[5] - 公司预计2024年第三季度调整后EBITDA36.7-38亿美元,全年调整后EBITDA145.5-148.5亿美元[5] - 公司预计2024年第三季度调整后每股收益0.97-1.02美元,全年调整后每股收益3.78-3.9美元[7] - 公司2024年第三季度调整后EBITDA率为35.2%-35.8%,全年调整后EBITDA率为35.5%-35.9%[6] - 公司2024年第三季度净利润率为4.7%-5.5%,全年净利润率为6.5%-7%[6] - 公司2024年第三季度调整后每股收益为0.97-1.02美元,全年调整后每股收益为3.78-3.9美元[7] 财务状况 - 现金及现金等价物为5.43亿美元[11] - 公司现金及现金等价物为5.432亿美元，较上年同期增加6.7%[32] - 公司总资产为110.252亿美元，较上年同期减少0.7%[32] - 公司总负债为67.88亿美元，较上年同期减少3.0%[32] - 公司资产负债率为61.6%，较上年同期下降1.4个百分点[32] - 公司调整后的EBITDA为14.17亿美元(过去12个月)[95] - 公司净负债率为3.3倍[97] 其他调整 - 公司加速技术投资主要包括建立现代化软件架构、迁移应用程序和客户数据到新平台以及提供项目支持等[69] - 公司启动了优化运营模式的计划，涉及员工分离、场地退出和业务流程优化等[70] - 公司加速向云端迁移的技术投资包括建立现代化的API和服务导向的软件架构、将每个应用程序和客户数据迁移到新的企业平台以及停用旧系统等,总投资7.01亿美元[1] - 公司进行了员工裁减、关闭办公场所和业务流程优化等运营模式优化,总成本1.167亿美元[2] - 公司其他调整包括提前偿还贷款的延期贷款费用1.63亿美元、其他债务融资费用0.22亿美元、外币折算损失0.04亿美元和其他非经营收支-0.06亿美元,共计1.82亿美元[3] - 公司各业务部门的折旧和摊销费用分别为:美国市场2亿美元、国际市场0.647亿美元、企业职能0.02亿美元,合计2.669亿美元[4]

If you are looking for a stock that has a solid history of beating earnings estimates and is in a good position to maintain the trend in its next quarterly report, you should consider TransUnion (TRU) . This company, which is in the Zacks Business - Information Services industry, shows potential for another earnings beat.When looking at the last two reports, this credit reporting company has recorded a strong streak of surpassing earnings estimates. The company has topped estimates by 13.13%, on average, in ...

TORONTO, July 18, 2024 (GLOBE NEWSWIRE) -- TRU Precious Metals Corp. (TSXV:TRU, OTCQB:TRUIF) (“TRU” or the “Company”) today announced that Joel Freudman, Co-Founder & CEO of TRU will present live at the Battery & Precious Metals Virtual Investor Conference hosted by VirtualInvestorConferences.com on July 23rd, 2024. DATE: July 23rd, 2024 TIME: 10:00 AM ET LINK: https://bit.ly/3W9aqkdAvailable for 1x1 meetings: July 23rd, 2024 This will be a live, interactive online event where investors are invited to ask t ...

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CHICAGO, July 16, 2024 (GLOBE NEWSWIRE) -- TransUnion (NYSE: TRU) announced today it has been named one of the 100 Best Companies in 2024 by Seramount, a strategic professional services and research firm. The US-based list details corporations providing inclusive benefits for families, including paid gender-neutral parental leave, subsidized childcare, bereavement leave after miscarriage, reimbursement for fertility expenses and increased mental health benefits for employees. “It’s an honor to receive this ...

CHICAGO, July 16, 2024 (GLOBE NEWSWIRE) -- TransUnion (NYSE:TRU) announced today it has been named one of the 100 Best Companies in 2024 by Seramount, a strategic professional services and research firm. The US-based list details corporations providing inclusive benefits for families, including paid gender-neutral parental leave, subsidized childcare, bereavement leave after miscarriage, reimbursement for fertility expenses and increased mental health benefits for employees. "It's an honor to receive this r ...