TransUnion (NYSE:TRU) declined about 2.5% in premarket trading Thursday after issuing 2026 guidance that fell short of analyst forecasts, overshadowing stronger-than-expected fourth-quarter results.
The credit reporting agency posted adjusted earnings of $1.07 per share for the fourth quarter, topping the $1.03 consensus estimate. Revenue rose 13% year over year to $1.17 billion, ahead of the $1.13 billion forecast and reflecting 12% organic growth at constant currency.
Performance was led by the U.S. Markets division, where Financial Services revenue climbed 19% and Emerging Verticals accelerated to 16% growth. The Consumer Interactive segment posted a 9% increase.
“TransUnion finished the year strongly with results that again exceeded financial guidance,” said President and CEO Chris Cartwright. “Revenue growth of 13% was led by continued strength in U.S. Markets, with Financial Services growing 19% and Emerging Verticals accelerating to 16% growth.”
Despite the solid quarter, investors focused on the company’s more cautious full-year outlook. TransUnion expects 2026 adjusted earnings of $4.63 to $4.71 per share, below the $4.86 analyst consensus. Revenue is projected to grow 8% to 9% in 2026, marking a slowdown from the 13% pace recorded in the fourth quarter of 2025.
For the first quarter of 2026, the company anticipates revenue between $1.195 billion and $1.205 billion, representing 9% to 10% growth, and adjusted earnings per share of $1.08 to $1.10.
TransUnion also said it repurchased roughly $150 million of stock during the fourth quarter, bringing total buybacks for 2025 to $300 million. In addition, the company raised its quarterly dividend to $0.125 per share from $0.115.