TRUMEDIUM SIGNALFINANCIAL10-K

TransUnion delivered exceptionally strong financial performance with net income surging 60.1% to $455.4M, though rising interest expense signals potential headwinds from higher debt costs.

The substantial increase in net income combined with strong operating cash flow growth demonstrates robust business momentum and operational efficiency improvements. However, the 24.8% spike in interest expense indicates rising financing costs that could pressure future profitability if debt levels remain elevated.

Comparing 2026-02-27 vs 2025-02-13View on EDGAR →
FINANCIAL ANALYSIS

TransUnion showed impressive financial strength across all major metrics, with net income jumping 60.1% to $455.4M and operating income growing 28.7% to $857.8M, while operating cash flow increased 18.6% to $987.6M. The company strengthened its balance sheet with cash rising 25.6% to $853.6M and current assets growing 11.9% to $2.0B, though accounts receivable increased 13.3% which bears monitoring for collection efficiency. The only concerning trend was interest expense climbing 24.8% to $288.2M, suggesting higher borrowing costs that could impact future margins despite the otherwise stellar performance.

FINANCIAL STATEMENT CHANGES
Net Income
P&L
+60.1%
$284.4M$455.4M

Net income grew 60.1% — bottom-line growth signals improving overall business health.

Operating Income
P&L
+28.7%
$666.7M$857.8M

Operating income improving — cost discipline or growing revenue base absorbing fixed costs.

Cash & Equivalents
Balance Sheet
+25.6%
$679.5M$853.6M

Cash grew 25.6% — improving liquidity position supports investment and shareholder returns.

Interest Expense
P&L
+24.8%
$230.9M$288.2M

Interest costs rose 24.8% — monitor debt levels and coverage ratio in rising rate environment.

Operating Cash Flow
Cash Flow
+18.6%
$832.5M$987.6M

Operating cash flow grew 18.6% — strong conversion of earnings to cash, healthy business fundamentals.

Accounts Receivable
Balance Sheet
+13.3%
$798.9M$905.0M

Receivables grew 13.3% — monitor days sales outstanding for collection efficiency.

Current Assets
Balance Sheet
+11.9%
$1.8B$2.0B

Current assets grew 11.9% — improving short-term liquidity or inventory/receivables build.

LANGUAGE CHANGES
NEW — 2026-02-27
PRIOR — 2025-02-13
ADDED
As of January 30, 2026, there were 192.6 million shares of TransUnion common stock outstanding, par value $0.01 per share.
Any statements made in this report that are not statements of historical fact, including statements about our beliefs, expectations and outlook, are forward-looking statements.
We use our OneTru solution enablement platform to centralize data management, identity resolution and Artificial Intelligence ( AI ) powered analytics, enabling more persistent identity resolution with sharper, more contextualized insights.
Because of our work, customers can better understand consumers in order to make more informed decisions, earn consumer trust through personalized experiences, and extend the appropriate opportunities, tools and offers.
We have a global presence in over 30 countries and territories across North America, Latin America, Europe, Africa, India and Asia Pacific.
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REMOVED
As of January 31, 2025, there were 195.1 million shares of TransUnion common stock outstanding, par value $0.01 per share.
Any statements made in this report that are not statements of historical fact, including statements about our beliefs and expectations, are forward-looking statements.
PART I Unless the context indicates otherwise, any reference to the Company, we, us and our refers to TransUnion and its direct and indirect subsidiaries.
We use our OneTru solution enabled platform to connect these disparate data assets and concentrate them on a single, layered and unified environment, enabling more persistent identity resolution with sharper, more contextualized insights.
Because of our work, customers can better understand consumers in order to make more informed decisions, and earn consumer trust through great, personalized experiences, and the proactive extension of the right opportunities, tools and offers.
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