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TransUnion

Q2 FY26Professional Services

TransUnion Q2 FY26 Results — Earnings Call Analysis

Q2 FY26 earnings call: what management said on revenue, margins and capex.

Price₹72

Market cap₹13.8K Cr

P/E19.5

Updated29 May 2026

Read5 min read

TransUnion Q2 FY26 key numbers

Revenue: Trusted Call Solutions (TCS) expected to grow from $27M in 2021 to $200M by end of 2026, and $300M by 2028 (p.13).

As stated in TransUnion's Q2 FY26 earnings call transcript · published 29 May 2026. Reported figures, not investment advice.

The short version

- Trusted Call Solutions (TCS) expected to grow from $27M in 2021 to $200M by end of 2026, and $300M by 2028 (p.13). - Full year 2026 adjusted diluted EPS is expected between $4.68 and $4.75, up 9% to 11%. - Adjusted diluted earnings per share expected to grow low to mid double digits over the medium term. - Adjusted EBITDA is projected to be $1.796 billion to $1.816 billion in 2026, up 9% to 10%. - Underlying margins anticipated to expand by 50 to 70 basis points in 2026. - Adjusted diluted EPS growth anchored in repeatable earnings model and momentum, not dependent on U.S.

From TransUnion's Q2 FY26 earnings-call transcript · updated 29 May 2026.

Revenue & Sales Performance

Moderate growth

Trusted Call Solutions (TCS) expected to grow from $27M in 2021 to $200M by end of 2026, and $300M by 2028 (p.13).
Overall company organic constant currency revenue growth guidance of 8%-9% for 2026, or 5%-6% excluding FICO mortgage royalties (p.5, p.4).
Mortgage revenue growth expected over 30% or 10% plus excluding FICO in 2026 despite mid-single-digit decline in inquiries (p.5).
Second quarter 2026 revenue guidance up 12%-13%, including acquisitions and stable volume assumptions (p.4).
Continued stable or improving volumes anticipated; modest declines absorbed within guidance, with upside if interest rates decline further (p.12).
AI adoption and innovation expected to accelerate demand for data and drive revenue growth across financial services (p.3).

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Profitability & Margins

Full year 2026 adjusted diluted EPS is expected between $4.68 and $4.75, up 9% to 11%.
Adjusted diluted earnings per share expected to grow low to mid double digits over the medium term.
Adjusted EBITDA is projected to be $1.796 billion to $1.816 billion in 2026, up 9% to 10%.
Underlying margins anticipated to expand by 50 to 70 basis points in 2026.
Adjusted diluted EPS growth anchored in repeatable earnings model and momentum, not dependent on U.S. mortgage or other market recoveries.
Full year 2026 revenue guidance between $5.1 billion and $5.135 billion, up 11% to 12%, with organic constant currency growth at 8% to 9%.

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Capital Expenditure Plans

Capex planned

Capital expenditures (capex) are expected to be approximately 6% of revenue in 2026.
The company plans to incur one-time integration expenses related to the acquisitions of TransUnion to Mexico and the Mobile division of [Mural] Networks in 2026, which are not added back to adjusted EBITDA.
The acquisition of Mobile division of Real Networks aims to enhance trusted call solutions and address fraud in SMS/text channels, with integration and productization expected to take about one year.

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Fundraising & Capital Structure

The company ended Q1 with $5.6 billion of debt and $733 million cash.
Funded $660 million purchase for TransUnion New Mexico with $520 million drawn from credit revolver and cash.
Leverage ratio modestly increased to 2.8x; plan to return to long-term target of under 2.5x.
Capital allocation prioritizes debt prepayment and shareholder returns (e.g., $25 million share repurchases year-to-date, expected to accelerate).

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Order Book & Pipeline

Order book rising

The company reported strong bookings and retention rates at the start of 2026 on an organic constant currency basis versus the prior year.
Financial Services revenue grew 24% (14% excluding FICO mortgage royalties), driven by products like TruIQ, alternative data, and trusted call solutions.
Organic constant currency revenue growth guidance for 2026 is maintained at 8% to 9%, with a high single-digit organic growth rate expected.
Second-quarter revenue guidance is $1.271 billion to $1.283 billion, up 12% to 13%, with acquisitions adding 4% growth.
The company expects to perform at or above the high end of its guidance if current trends continue.

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What the Q2 FY26 call signalled

3 of 4 strong

RevenueModerate growth

MarginMargins slightly up

CapexCapex planned

Order bookOrder book rising

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Frequently Asked Questions

What were TransUnion Q2 FY26 results?

- Trusted Call Solutions (TCS) expected to grow from $27M in 2021 to $200M by end of 2026, and $300M by 2028 (p.13). - Full year 2026 adjusted diluted EPS is expected between $4.68 and $4.75, up 9% to 11%. - Adjusted diluted earnings per share expected to grow low to mid double digits over the medium term. - Adjusted EBITDA is projected to be $1.796 billion to $1.816 billion in 2026, up 9% to 10%. - Underlying margins anticipated to expand by 50 to 70 basis points in 2026. - Adjusted diluted EPS growth anchored in repeatable earnings model and momentum, not dependent on U.S.

What is TransUnion share price analysis?

TransUnion currently shows a below-average growth signal. The stock trades at a P/E of 19.5 with a market cap of $13,816. Investors should review the full earnings analysis for detailed insights.

Is TransUnion planning capital expenditure?

- Capital expenditures (capex) are expected to be approximately 6% of revenue in 2026.

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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.