Transunion · NYSE:TRU
Transunion — Investor Day (March 2026)
154 slides from Transunion's investor day presentation, Mar 10, 2026
Slide 1: Rights Reserved.
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 1
Slide 2: Forward-Looking Statements and Non-GAAP Financial Information
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 2 Non-GAAP Financial InformationForward-Looking Statements This investor presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements are based
Slide 3: TransUnion 2026 Investor Day: Innovation at Scale. Value that Endures.
M A R C H 2 0 2 6 TransUnion 2026 Investor Day Innovation at Scale. Value that Endures. Chris Cartwright, President & CEO
Slide 4: Transformation since the 2022 Investor Day
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 4 Since our last Investor Day in 2022, we have transformed the company, positioning TRU for accelerated performance 1 2 43 Scope expansion across solutions, geographies, data, and industry verticals Scale enablement through
Slide 5: Key investments to unlock TransUnion's potential
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 5 This transformation included key investments to unlock TransUnion’s full potential Investments Benefits Examples Organization Technology Operations Go-to-Market Global leverage, functional excellence, and savings Standardi
Slide 6: Large, growing, complementary markets with attractive economics
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 6 Credit Consumer Marketing Fraud Identity Large, growing, and complementary markets with attractive economics Our portfolio is focused on complementary and interrelated solutions in Credit, Marketing, Fraud and Consumer Pro
Slide 7: Questions customers need answered across Credit, Marketing, Fraud and Consumer
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 7 • Is this person who they claim to be? • Do we recognize this device? • Does this device’s behavior, geolocation, and IP address match what we expect? • Is this person (or device) authorized to do what they’re trying to do
Slide 8: Market Opportunity: SAM by Solution
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 8 Market Opportunity SAM by Solution Note: TU Revenue to SAM/TAM not drawn to scale SAM: $48B TAM: $126B Market CAGR: 8-10%+ TU Revenue: $4.6B Ample share gain opportunities exist across large, fast- growing markets Credit F
Slide 9: U.S. and International revenue by solution
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 9 U.S. Markets increasingly diversified from core Credit International underpenetrated in Marketing, Fraud, and Consumer Proven GTM playbook of expanding from Credit into other solutions Our global platforms will diffuse our
Slide 10: OneTru unlocks innovation and growth across the enterprise
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 10 OneTru unlocks innovation and growth across the enterprise Any Data Any User Credit Marketing Fraud Consumer AI capabilities Data & analytics value chain
Slide 11: TruOps: Global Operations-Enablement Platform
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 11 TruOps: TU’s Global Operations-Enablement Platform Consumer Ecosystem Analytics, VOC Insights & Surveys Accent Neutralization Agent Knowledge Base AI Agent Assist Workforce Management Phone, Chat, Mail Room Customer Ecosy
Slide 12: Global Capability Centers power innovation
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 12 1,900 4,000 900 800 200300 2021 Today Costa Rica Africa India 2,400 5,700 Global Capability Center Employment Note: Headcounts rounded to nearest hundred 41% of TU associates24% of TU associates Global Capability Centers
Slide 13: Three global platforms drive development, delivery and efficiency
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 13 Working together, these three global platforms drive product development, delivery and functional efficiency Operating Platform Solutions Platform Talent Platform
Slide 14: Our innovation approach
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 14 • Automate and accelerate using Agentic AI • Expand service delivery options • Evolve how we Go-to-Market • Connect product suites into workflows • Combine point solutions into product suites • Build leading point solutio
Slide 15: Our foundation positions us for success in the AI era
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 15 Our foundation positions us for success in AI era Proprietary Data Domain-specific, highly regulated, broadly sourced, individually contracted, and continuously enhanced Governance & Compliance Privacy-by-design, offering
Slide 16: A new era of scalable growth and compounding value creation
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 16 We are at the beginning of a new era of scalable growth and compounding value creation Industry-leading Durable Innovation-led Growth investments Shareholder return Balance sheet optimization Value Creation Technology mod
Slide 17: We have the right team to win
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 17 We have the right team to win
Slide 18: Agenda
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 18 Agenda Our platforms and solutions Our markets Financial outcomes Mohamed Abdelsadek EVP, Chief Global Solutions Officer Jamal Darwiche Head of Global Credit Solutions Steve Chaouki President, U.S. Markets Todd Cello EVP,
Slide 19: Power of the OneTru Platform
M A R C H 2 0 2 6 TransUnion 2026 Investor Day Power of the OneTru Platform Venkat Achanta, Chief Technology, Data and Analytics Officer
Slide 20: OneTru and the data and analytics value chain
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 20 OneTru is the manifestation of the data & analytics value chain across credit, marketing and fraud solutions Data Collection & Processing Identity Curation & Resolution Insights & Model Development Model Deployment & Data
Slide 21: OneTru: differentiated data, analytics and AI platform
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 21 OneTru is a cutting-edge and differentiated data, analytics and AI platform that unlocks TransUnion’s growth potential How OneTru differentiates TransUnion Best-in-class Data Industry-leading Identity Flexibility-first Pl
Slide 22: OneTru: differentiated data, analytics and AI platform
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 22 OneTru is a cutting-edge and differentiated data, analytics and AI platform that unlocks TransUnion’s growth potential How OneTru differentiates TransUnion Best-in-class Data Industry-leading Identity Flexibility-first Pl
Slide 23: Proprietary data combined with billions of signals
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 23 OneTru combines TransUnion’s proprietary data with billions of dynamic, disparate, online and offline signals in near real-time 30+ countries Tens of thousands of data sources 1B+ consumer files Differentiator Consumer Be
Slide 24: Data drives consortium, network effects and feedback loops
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 24 This differentiated data drives the consortium, network effects and feedback loops that strengthen our competitive advantage Leading short-term lending bureau in the U.S. Key marketing attributes, online and offline, for
Slide 25: OneTru identity creates a 360-degree view of the consumer
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 25 OneTru identity creates a 360-degree view of the consumer that drives consistent results across every channel and interaction 25 FIRST: JANE LAST: DOE CUST ID: 1234 PHONE: (214) 555-1212 DEVICE ID: D9ZX2YA01 ADDRESS: 1234
Slide 26: Results demonstrate leading identity performance
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 26 The results demonstrate our leading identity performance 26 Comprehensive Data Industry-Leading Accuracy Award Winning *Email to Postal Accuracy Score (Accuracy of appending additional emails to consumers and matching aga
Slide 27: Composability and modularity for customers
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 27 Composability: Environment-agnostic flexibility for customers OneTru is unified and composable, meeting customers where they are with what they want Modularity: Menu of capabilities based on customer needs OneTru hosted i
Slide 28: OneTru migration and global rollout
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 28 • U.S. credit, marketing and fraud solutions are on OneTru • We expect to complete customer migrations in 2026 • We are expanding our Credit, Fraud and TruIQ solutions across India, Canada, UK and Philippines • Next, we w
Slide 29: AI ecosystem architected in OneTru
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 29 We architected an AI ecosystem in OneTru by engineering proprietary capabilities and strategic off-the-shelf solutions 29 Universal Interface Receives and returns information in many different formats – natural language,
Slide 30: AI Analytics Orchestrator Agent
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 3030 AI Analytics Orchestrator Agent
Slide 31: OneTru leverages AI across the data analytics value chain
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 31 OneTru leverages AI to operationalize and accelerate the data analytics value chain across Credit, Marketing and Fraud solutions The result is accelerated time to value while lowering the total cost of ownership for custo
Slide 32: Native AI capabilities unlock use-cases for products and operations
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 32 OneTru’s native AI capabilities unlocked the entire spectrum of use-cases for our products and operations TruIQ Credit Marketing & Fraud Software Development Lifecycle Consumer Disputes Vulnerability Management Driving Cu
Slide 33: OneTru performance gains in U.S. Credit
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 33 OneTru unlocks better performance, resilience and innovation in U.S. Credit U.S. Credit 10K Customers Consumers U.S. Adult Population Scores and attributes per consumer Up to 15K Calculated Up to 6K Delivered Effect of On
Slide 34: OneTru drives cost efficiencies and frees capacity
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 34 Infrastructure Rationalization Reduced Maintenance Costs Lower Capital Intensity We are primed to scale these efficiencies across our International Markets OneTru drives cost efficiencies and frees capacity for innovation
Slide 35: OneTru built to unlock TransUnion's growth
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 3535 OneTru is a differentiated data, analytics and AI platform built to unlock TransUnion’s growth
Slide 36: Accelerating Innovation-Led Growth
M A R C H 2 0 2 6 TransUnion 2026 Investor Day Accelerating Innovation-Led Growth Mohamed Abdelsadek, Chief Global Solutions Officer
Slide 37: Clear right to win in Credit, Marketing, Fraud and Consumer
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 37 We have a clear right to win in Credit, Marketing, Fraud, and Consumer Our solutions suites solve customers' most important challenges 1 2 4 37 We are positioned to accelerate innovation-led, scalable growth across our so
Slide 38: Proprietary data and analytics power our solutions
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 38 Proprietary data and analytics power our Credit, Marketing, and Fraud solutions Credit Solutions >50 years as global credit bureau with >1B regulated data files Industry-leading trended data and scores with ~30% lift Expa
Slide 39: Consumer Solutions: natural extension of B2B solutions
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 39 Key drivers of growth Offers and enhanced Premium products Rolling out products globally + expanding relationships with top aggregators and FIs Modernizing and expanding freemium direct business offerings Consumer Solutio
Slide 40: Helping customers solve pressing challenges
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 40 We help customers solve their most pressing challenges and capture opportunities >$500B lost by businesses each year due to fraud and consumer phone and text scams >$25B wasted marketing spend on a market growing by a tri
Slide 41: Embedding across the customer lifecycle
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 41 We solve these problems by deeply embedding across the customer lifecycle 41 Target and reach the right consumers in any channel Establish a relationship with the consumer Measure and protect the relationship and experien
Slide 42: Point solutions consolidated into interconnected suites
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 42 We consolidated point solutions into interconnected suites that drive faster innovation Fraud Solutions Leading point solutions, siloed tech architecture Consumer Solutions Independent credit education and ID solutions Ma
Slide 43: Interconnected suites on OneTru enable superior customer experience
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 43 On OneTru, these interconnected suites enable a superior customer experience * Under permissible privacy, regulatory requirements Analytics and AI Credit solutions 3rd party solutions / models Best-in-class TU data Custom
Slide 44: Innovative solutions drive real customer impact
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 44 Our innovative solutions drive real impact for customers Credit Marketing Fraud Credit Risk Marketing Fraud / Comms Analytics 2.5x conversion lift by linking brand marketing with credit-informed offers +162% fraud capture
Slide 45: Enabling a top US credit card issuer across the lifecycle
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 45 Enabling a top 10 US credit card issuer across the customer lifecycle >20-year, deeply embedded credit relationship Reduce portfolio credit and fraud risk Build and activate audiences Engage the right consumers with the r
Slide 46: Powering a top global payments player's analytics value chain
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 46 Powering a top 3 global payments player’s end-to-end analytics value chain Relationship expansion across Credit and Fraud globally in <2 years Key Customer Goals Identify the right consumers Create powerful risk models Fi
Slide 47: AI-driven innovation across Fraud, Credit and Marketing
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 47 Fraud Delivering earlier, more accurate predictiveness • Probabilistic ML models to identify fraud fuse our identity and analytics with other data • Off-the-shelf and bespoke models generated for and with customers Credit
Slide 48: Commercial momentum has accelerated
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 48 Across our portfolio, commercial momentum has accelerated 48 Scaling flagship products Strengthening retention Building pipeline ~40% YoY Trusted Call Solutions revenue growth 95%+ Marketing Solutions retention rate 50%+
Slide 49: Industry recognizes the strength of our solutions
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 49 The industry recognizes the strength of our solutions "Gold Winner" from 2026 Juniper Research for Best Branded Call Solution in Telco Innovation "Strong Performer" in 2025 Forrester Wave : Identity Verification Solutions
Slide 50: Positioned to accelerate innovation-led growth in 2026
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 5050 We are positioned to accelerate innovation-led growth in 2026 >$500 million in 3-year revenue potential from 2026 cohort 30+ product launches • TruIQ Data Enrichment in Cloud Data Warehouses • Closed Loop Reporting Self
Slide 51: Solutions leadership team
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 51 Head of Credit Risk Solutions Head of Marketing Solutions Head of Global Fraud Solutions Head of Communications Solutions Head of Consumer Solutions Head of Public Records Data (Specialized Risk) LendingClub HSBC ForwardL
Slide 52: Faster innovation and scalable growth across solution suites
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 52 We are positioned to drive faster innovation and scalable growth, globally across our solution suites 52
Slide 53: Credit Solutions
M A R C H 2 0 2 6 TransUnion 2026 Investor Day Credit Solutions Jamal Darwiche, Head of Global Credit Solutions
Slide 54: Credit Solutions: resilient core with accelerating innovation
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 54 Credit Solutions has a resilient core with accelerating innovation in alternative data and analytics Sustained competitive moat from a strong resilient core Differentiated Alternative Data assets High impact analytic solu
Slide 55: Credit Solutions two straight years of double-digit growth
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 55 Credit Solutions has delivered two straight years of double- digit growth ($ in B ill io ns ) Core Credit 84% Alternative Data 11% Analytics Enablement 5% Includes Commercial Credit and trended data offerings $1.3 $1.4 $1
Slide 56: Attractive market with secular tailwinds
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 56 Playing in an attractive market with several secular tailwinds Note: TU Revenue to SAM/TAM not drawn to scale Serviceable Market: $16B Total Market: $27B TU Revenue $2.6B Credit markets are dynamic and continue to grow In
Slide 57: Data-driven decisions at scale with 1B+ consumer files
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 57 Data-driven decisions at scale with 1B+ consumer files and industry leading scores and attributes Fast, easy, and secure access to TransUnion’s rich data / powerful analytics Enhancing the consumer profile with differenti
Slide 58: Top credit bureau globally with growth outpacing the market
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 58 Top credit bureau globally with growth outpacing the market FY 2025 Revenue Composition Global foothold continuing to scale 5 Billion Records refreshed per month 30 Countries with customer networks/data furnishers #1 Cred
Slide 59: Alternative Data assets unlock $15 billion+ addressable market
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 59 Not exhaustive Alternative Data assets create a holistic consumer profile to unlock a $15 billion+ addressable market Short-term Credit and Bill Pay Income and Employment Card Spend and Cash Flow Public Records Affordabil
Slide 60: FactorTrust on OneTru positioned for market-leading growth
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 60 FactorTrust on OneTru positioned for continued market-leading growth 19% 2025 YoY revenue growth 15% lift from current score versus previous 79% 2025 win rate vs. direct competitors Established market leader in short-term
Slide 61: TruIQ provides fast, secure access to data and analytics
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 61 TruIQ provides fast, convenient, and secure access to TU’s data, expertise, and powerful AI-enabled analytics • On-demand data access and linking in their environment of choice • Easier adoption and scaling of tailored, m
Slide 62: Reducing prescreen time-to-market for large U.S. bank
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 62 Reducing prescreen time-to-market for large U.S. bank by >50% T R U I Q C A S E S T U D Y Challenge Solution Results 45 days to 21 Reduced time-to-market Linked TransUnion credit data directly in the client’s cloud enviro
Slide 63: Enabling large bank to double personal loan approval rates
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 63 Enabling large bank to double personal loan approval rates T R U I Q C A S E S T U D Y Challenge Solution Results 109% Lift in personal loan approval rates with policy refinement in days versus weeks TU expertise to suppo
Slide 64: TruIQ accelerates share gains in high growth market
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 64 TruIQ accelerates share gains in high growth market Growing number of competitive wins, including with top 10 lenders, replacing “entrenched” direct competitors Unlocking cross- and up-sell opportunities, while protecting
Slide 65: Leading global credit franchise with runway for growth
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 65 Leading global credit franchise with ample runway for growth Key Takeaways AI-enabled TruIQ solutions unlocking new revenue streams and increasing data usage Strong demand for differentiated alternative data, creating a c
Slide 66: Marketing Solutions
M A R C H 2 0 2 6 TransUnion 2026 Investor Day Marketing Solutions Brian Silver, Head of Global Marketing Solutions
Slide 67: Marketing ecosystem in need of a trusted data partner
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 67 Marketing is a large, fragmented, and evolving ecosystem in need of a trusted data partner TransUnion is the trusted partner of choice We transformed from point solutions to a connected suite, driving growth acceleration
Slide 68: Marketing Solutions rose to high-single digit growth in 2025
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 68 Marketing Solutions rose to high-single digit growth in 2025 Identity 47% Audiences 32% Measurement 21% ($ in M ill io ns ) $434 $443 $442 $470 $13 $16 $17 $23 2022 2023 2024 2025 U.S. International +1% +0% +7% FY 2025 Re
Slide 69: Trusted data partner in large, fragmented market
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 69 Positioned to be trusted data partner in large and fragmented market Note: TU Revenue to SAM/TAM not drawn to scale Serviceable market: $14B Total market: $60B TU Revenue $0.5B AI accelerates opportunity Media fragmentati
Slide 70: TruAudience flexible, consistent user experience
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 70 TruAudience provides a flexible, consistent user experience Unified customer experience thru OneTru Modular suite of applications Identity Audiences Measurement Strong foundation of common services Identity Graph Activati
Slide 71: End-to-end stack of identity-powered marketing solutions
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 71 We transform marketing effectiveness with an end-to- end stack of unique TransUnion identity- powered marketing solutions 71 Who are my customers? Value for Customer s Identity Measurement Audience Consumer Brand Awarenes
Slide 72: Insights and connection across all solutions
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 72 Providing customers with insights and connection via in- depth analysis across all solutions Who are my customers? Value for Customer s Identity Measurement Audience Consumer Brand Awareness, Loyalty, and Retention How ca
Slide 73: Trusted partner with top companies across industries
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 73 Trusted partner with the top companies across industries 2 of top 3 U.S. Auto OEMs 8 of top 10 Banks 3 of top 5 U.S. Underwriters 5 of top 10 U.S. Retailers #1 and #2 Digital Media Cos 5 of top 10 Streaming Services All M
Slide 74: Customers prefer TransUnion for data, connectivity and measurement
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 74 Our customers prefer TransUnion for our data, connectivity, and measurement 026 TransUnion, its subsidiaries and/or affiliates. All Rights eserved. Innovation and trusted advisor Robust, predictive analytics and insights
Slide 75: Driving increased growth across the portfolio
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 75 Driving increased growth across the portfolio Key Enhancements Meaningful Impact in 2025 • Platform and product consolidation • New innovative offerings driving bookings growth • Increased Audience usage through strengthe
Slide 76: AI in the Marketing Space
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 76 AI in the Marketing Space Utilizing AI and best-in-class data for enhanced discovery, speed, and predictive outcomes • Marketing bridges the gap from large disconnected datasets to individual consumer preferences • AI acc
Slide 77: End-to-end customer value for a top 5 U.S. retailer
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 77 Our solutions create end-to-end customer value for a top 5 U.S. retailer Added measurement to Canada and Mexico Utilized site-based identity recognition for audience creation and knowledge Expanded to Brand + Event market
Slide 78: End-to-end customer value for a top 5 U.S. retailer
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 78 Our solutions create end-to-end customer value for a top 5 U.S. retailer Added measurement to Canada and Mexico Utilized site-based identity recognition for audience creation and knowledge Expanded to Brand + Event market
Slide 79: Positioned to become a leading Marketing Solutions platform globally
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 79 Positioned to become a leading Marketing Solutions platform globally 79 Key Takeaways Ongoing growth focused on global expansion and utilizing AI TransUnion has the team, technology, and experience to capitalize on curren
Slide 80: Fraud Solutions
M A R C H 2 0 2 6 TransUnion 2026 Investor Day Fraud Solutions Steven Yin, Head of Global Fraud Solutions James Garvert, Head of Global Communications Solutions
Slide 81: Fraud mitigation is a large, dynamic, growing global market
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 81 Fraud mitigation is a large, dynamic, and growing global market Best-in-class data assets create a competitive moat Differentiated solutions: Identity, Digital and Communications pillars fight fraud and enable trust Drivi
Slide 82: Fraud Solutions consistently strong growth
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 82 Fraud Solutions has driven consistently strong growth with potential for further acceleration FY 2025 Revenue Composition YoY Revenue Growth ($ in m ill io ns ) $489 $521 $556 $610 $122 $132 $147 $149 2022 2023 2024 2025
Slide 83: Increasing fraud driving demand for data-centric solutions
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 83 7% of revenue lost to fraud in 2025 Digital volume continues to expand Scams and cyber-attacks continue to grow AI driving demand and internal opportunity Heightened regulatory compliance requirements Note: TU Revenue to
Slide 84: Proprietary data and native AI power our solutions
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 84 Proprietary data and OneTru’s native AI capabilities power our solutions Orchestration and Optimization The full story behind consumer identity Fighting emerging threats while enabling trust Understanding risk in real tim
Slide 85: Solutions address customer needs across the lifecycle
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 85 Our solutions address customer needs across the lifecycle 85 4 2 Pre- Acquisition Application and Decisioning Onboarding and Activation Spend, Rewards and Payments Servicing and Issue Resolution Account Resolution and Clo
Slide 86: Unmatched breadth and depth of data across channels
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 86 Unmatched breadth and depth of data across our channels 360 Identity Digital Risk Trusted Communications • Data spans 30+ countries with >100K sources and >1B consumer files • Leading ID graph links proprietary and public
Slide 87: Fraud AI Model Factory
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 87 Fraud AI Model Factory accelerates response to emerging fraud at scale Responding to evolving fraud vectors rapidly and continuously Producing new models 2-3x faster in OneTru Delivering orchestrated solutions and custom
Slide 88: Credit Washing and Synthetic Identity models
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 88 Leveraging credit, fraud, and specialized data to create two new models: Credit Washing and Synthetic Identity 189% Increase in synthetic fraud capture $10B Legitimate debt washed The Challenge The Solution New AI models
Slide 89: New AI digital risk model for Starbucks
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 89 New AI model for digital risk is driving strong, passive fraud detection improvements for Starbucks C A S E S T U D Y The Challenge The Solution The Results 237% Increase in fraud detection #1 Predictive feature in Starbu
Slide 90: Trusted Communications: a scaled growth engine
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 90 Trusted Communications: A scaled growth engine Clear Market Need Differentiated Offering Non-Replicable Data and Scale Strong Commercial Momentum • Mobile is the new digital identity • Phone channel highest-risk channel f
Slide 91: Next chapter of Trusted Call Solutions growth
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 91 Enabling the next chapter of Trusted Call Solutions growth Gaining strength in a $1B+ market with expanding growth path 8 of top 20 banks using spoof protection in year 1 8+ industries with active customers Active expansi
Slide 92: Fraud Solutions capabilities to win in growing market
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 92 Fraud Solutions has the right capabilities to win in an expansive and growing market Key Takeaways OneTru strategy brings data together, enabling scalable AI/ML models and custom analytics Unique data delivering superior
Slide 93: Large, growing, complementary markets with attractive economics
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 9393 Credit Consumer Marketing Fraud Identity Large, growing, and complementary markets with attractive economics Our portfolio is focused on complementary and interrelated solutions in Credit, Marketing, Fraud and Consumer
Slide 94: Break
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 94 Break
Slide 95: U.S. Markets
M A R C H 2 0 2 6 TransUnion 2026 Investor Day U.S. Markets Steve Chaouki, President, U.S. Markets
Slide 96: Proven U.S. growth strategy
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 9696 Proven U.S. growth strategy built on scaled market positions and a differentiated sales model 1 2 43 Market-leading positions across large and diversified U.S. verticals Insights-led, specialized sales model acceleratin
Slide 97: Vertically-organized team with industry expertise
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 97 Vertically-organized team with industry expertise and deep customer relationships 97 Consumer Interactive Indirect Channels (B2B2C) Direct to Consumer 16% of USM Revenue Diversified Markets Communications Tenant & Employm
Slide 98: Financial Services flagship franchise
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 98 Revenue by Sub-vertical Financial Services is our flagship franchise with expanding growth levers 98 Market CoverageRevenue by Solution 2022 2023 2024 2025 Credit Marketing Fraud & others Financial Services ($1.7 billion
Slide 99: Consumer Interactive leading indirect channel partner
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 99 Revenue by Sub-vertical Consumer Interactive expands our reach as the leading indirect channel partner Revenue by Solution Direct 27% Indirect 73% 2022 2023 2024 2025 Consumer Solutions -2% (+6% ex- Breach)+2% -1% Relatio
Slide 100: Emerging Verticals: diverse fast-growing end markets
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 100 Emerging Verticals is a diverse set of fast-growing end markets 100 Revenue by sub-vertical (FY 2025) Revenue by Solution Diversified Markets ($934 million revenue) Insurance ($385 million revenue) 298 325 343 374 2022 2
Slide 101: Specialized go-to-market model drives customer results
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 101 We turn insights into impact, with a specialized go-to-market model that drives customer results Robust thought leadership Dedicated Research & Consulting team 50+ analytical studies and 40+ customer events annually Spec
Slide 102: Accelerated and profitable growth across U.S. Markets
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 102 Accelerated and profitable growth across U.S. Markets YoY pipeline increase YoY increase in average opportunity size YoY increase in total wins YoY increase in B2B revenue +23% +21% +30% +13% 2025 Highlights: 102
Slide 103: Expansive suite of solutions supporting durable growth
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 103 Expansive suite of solutions supporting durable growth More robust solutions portfolio (examples) Credit • Expanded alternative data • TruIQ Analytics • Argus benchmarking tools Marketing • Comprehensive Identity • Scale
Slide 104: Customers adopt more solutions, more deeply
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 104 Customers now adopt more solutions, more deeply Deeper and more durable relationships Higher renewal rates Higher average spend per customer ResultsTop 100 customers by number of product areas purchased *For the purposes
Slide 105: Commercial success through real-world execution
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 105 Our commercial success through real-world execution Financial Services Case Study Multi-solution growth accelerated a top 10 bank partnership by ~60% Insurance Case Study New product adoption expanded a major P&C relatio
Slide 106: Financial Services case study: top-10 bank
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 106 How we drove customer value: Credit: Identified new growth opportunities leveraging Argus credit card payment study Fraud: Enabled effective, secure outbound calling with Trusted Call Solutions Marketing: Optimized marke
Slide 107: Insurance case study: top-10 P&C insurer
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 107 TransUnion Revenue at a Top-10 Property and Casualty Insurer 2022 2025 Marketing Fraud +30% 24% non-credit growth $10M Supported leading P&C insurer across the policy lifecycle, growing the relationship by 30% $7M ~3x cr
Slide 108: Diversified Markets case study: audio streaming platform
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 108 Deployed enhanced Marketing Solutions at a large audio streaming platform, scaling a legacy Neustar relationship 2021 2025 +630% 17x Identity growth $14M Marketing Solutions: Audiences Identity / Insights $2M 5x Audience
Slide 109: Leading U.S. franchise with many vectors of growth
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 109 Leading U.S. franchise with many vectors of growth Key Takeaways Expanded solution suite and enhanced sales model is accelerating our growth momentum Differentiated vertical model and thought leadership, driving customer
Slide 110: Scalable Global Growth Playbook
M A R C H 2 0 2 6 TransUnion 2026 Investor Day Scalable Global Growth Playbook Todd Skinner, President, International
Slide 111: Attractive markets and proven playbook for International
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 111 Attractive markets and a proven playbook creates unique opportunities for International 1 2 43 Market-leading positions across broad international portfolio Proven growth playbook to outperform underlying markets Indexed
Slide 112: International generates ~$1 billion revenue across 30+ countries
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 112 International generates ~$1 billion revenue across more than 30 countries Canada 2025 Revenue: $167M Fastest growing bureau in Canada United Kingdom 2025 Revenue: $270M #2 in UK India 2025 Revenue: $264M #1 in India Lati
Slide 113: Proven growth playbook for each global market
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 113 We have a proven growth playbook to attack each of our global markets Income & employment Market Growth Product Innovation Client Engagement Adjacent Verticals Share gain through deep partnership, superior delivery and e
Slide 114: Continued outperformance across international markets
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 114 Continued outperformance across international markets Revenue Real GDP Notes: • APAC includes Hong Kong and Philippines • LATAM includes Chile, Colombia, Costa Rica, Dominican Republic, El Salvador, Guatemala, Honduras,
Slide 115: Canada double-digit growth in modest economy
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 115 Canada delivered 3 straight years of double-digit growth in a modestly growing economy TransUnion growing at 11% CAGR G ro w th D riv er s Diversification into adjacencies Consumer Interactive $123 $138 $154 $170 2022 20
Slide 116: International skewed to emerging markets
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 116 International is uniquely skewed to emerging markets Developed markets Emerging markets Total population (2025): 115M UK, Canada, Hong Kong Total population (2025) ~2B India, Brazil, Philippines, LatAm1 & Mexico, Africa2
Slide 117: India: Long-term growth engine
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 117 INDIA Long–term growth engine 117
Slide 118: Strong track record of growth in India
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 118 Strong track record of growth in India despite near- term cyclical slowdown 2017 2018 2019 2020 2021 2022 2023 2024 2025 25% 33% 36% -3% 34% 38% 30% 25% 2% +23% CAGR since 2017 Low inflation, moderate growth COVID contra
Slide 119: Double-digit compound growth in India over the long term
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 11911 9Confidential | Internal use onlySource: IMF & World Bank 2023, Bank of America, Oxford Economics, Statista Demographic advantage • World's most populous (~1.4B) country with the largest youth population • Highly banke
Slide 120: Mexico: TransUnion's next growth market
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 120 MEXICO TransUnion’s next growth market 120
Slide 121: Mexico large and growing economy
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 121 Large and growing economy • Second largest Latin American economy; #12 globally • Largest trading partner with the U.S.; beneficiary of near-shoring and increasing government investment Mexico boasts attractive demograph
Slide 122: Deploying growth playbook in Mexico
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 122 We plan to deploy our growth playbook in Mexico to outperform the underlying market Strong revenue growth over last several years 2022 2023 2024 10%+ G ro w th D riv er s Upgrade client engagement • Move customers from r
Slide 123: Transformation Enabling new dimensions of growth
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 123 Transformation Enabling new dimensions of growth 123
Slide 124: Transformation augments International with technology and faster diffusion
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 124 Transformation augments International with cutting-edge technology and faster solutions diffusion Proven Growth Playbook More dimensions to growth Faster diffusion of global IP Enhanced product performance Reduced comple
Slide 125: Early-stage solution diversification in International
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 125 Early-Stage Solution Diversification in International Solution expansion expected to fuel outsized growth and diversify revenue streams Plans To Accelerate Through Diffusion Of Global Solutions TruIQ Analytics Marketing
Slide 126: OneTru is the foundation for superior solutions
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 126 OneTru is the foundation to build superior solutions… Reduced complexity through unified architecture and APIs Streamlined efficiencies by rationalized infrastructure Enhanced product speed and efficiency at scale Reduce
Slide 127: Unique portfolio built for multi-year growth compounding
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 127 Unique portfolio built for multi-year growth compounding Key Takeaways OneTru and global product diffusion to drive transformational momentum Emerging markets as a powerful engine accelerating our next wave of growth Pro
Slide 128: Financial Outcomes
M A R C H 2 0 2 6 TransUnion 2026 Investor Day Financial Outcomes Todd Cello, CFO
Slide 129: Growth after navigating U.S. lending recession
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 129 Average2025202420232022 Revenue Growth Organic constant currency +3% +3% +9% +9% +6% Adjusted Diluted EPS Growth +5% (7)% +16% +10% +6% Adjusted EBITDA Growth Organic constant currency +10%+12%+1%+1% +6% Top-line resilie
Slide 130: Through-cycle revenue growth track record
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 130 Steady growth, low interest rates COVID and post- COVID U.S. consumer lending recession Stabilizing backdrop Track record of industry-leading through-cycle revenue growth Organic constant-currency revenue growth 12% 11%
Slide 131: $5.5 billion invested to transform the business
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 131 We invested $5.5 billion over 5 years to transform the business 2023 20242021 2022 202620252020 Cloud migration (Project Rise) Acquisition integration Operating model optimization Technology modernization (OneTru) Acquis
Slide 132: Neustar most transformational investment
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 132 $255M $115M $100M $40M $70M $325M 2021 Adj. EBITDA Synergies Growth 2025 Adj. EBITDA 2025 Adj. EBITDA + Tech savings Multiple on purchase price 12x ~10x multiple is inclusive of Neustar purchase price ($3,100 million) an
Slide 133: Transformation positions us for next era
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 133 Our transformation positions us for our next era – scalable growth and compounding cash flow Industry-leading Durable Innovation-led Growth investments Shareholder return Balance sheet optimization Value Creation Technol
Slide 134: Medium-term revenue, EBITDA and EPS targets
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 134 High-single digit organic revenue growth Diversified across solutions, verticals and geographies • Leading Credit growth and accelerating Marketing and Fraud • Best-in-class international portfolio tilted towards emergin
Slide 135: Innovation-led growth across solutions
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 135 ConsumerFraudMarketingCredit Growth targets are on an organic constant currency basis and exclude impact from changes in no-margin FICO mortgage royalties Innovation-led growth across solutions Revenue growth target High
Slide 136: Growth targets by segment
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 136 International: Low-double digit Growth targets by segment Attractive revenue growth outpacing underlying markets U.S. Markets: Financial Services: High-single digit Emerging Verticals: High-single digit Consumer Interact
Slide 137: Adjusted EBITDA margin expansion
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 137 For additional information, refer to the “Non-GAAP Financial Information” section on slide 2 and the Appendix at the back of this investor presentation. Revenue flow-through Tech migrations and operating model optimizati
Slide 138: Additional structural savings from platforms and AI
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 138 Additional structural savings expected by scaling platforms and deploying AI Value Creation 138 Scale platforms • OneTru across all geographies • Funded in normal course to drive efficiencies and accelerate innovationSol
Slide 139: Free cash flow and optimized balance sheet
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 139 Free cash flow is defined as Cash Flow from Operations less Capex. *FCF in 2022 excludes ~$350M cash tax payment related to gain on sale of Healthcare business. Note: Year-end 2025 Leverage Ratio does not include the acq
Slide 140: Capital deployment and ~$3B free cash flow 2026-2028
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 140 For additional information, refer to the “Non-GAAP Financial Information” section on slide 2 and the Appendix at the back of this investor presentation. Increasing bias going forward ~$3B free cash flow expected from 202
Slide 141: Strategic focus for M&A
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 141 Strategic Focus for M&A Financial Considerations M&A is an important strategic tool, but strength of portfolio creates a high bar • Transformation supports a generation of growth • Not seeking large, transformational M&A
Slide 142: Adjusted EPS financial framework
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 142 Low-to-mid teens growth $4.71 $0.95+ 2026 guide (high-end) Adjusted EBITDA growth Capital deployment 2028F using medium-term algorithm Mortgage recovery to 2019 levels Normalized earnings power $6.00+ 39%+ Adjusted EBITD
Slide 143: Positioned to deliver innovation-led and scalable growth
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 143 Foundational differentiation – proprietary data, OneTru and domain expertise – creates a clear right to win 1 Interrelated Credit, Marketing, Fraud and Consumer Solutions solve customers’ most pressing needs 2 Accelerate
Slide 144: Thank You
Thank You
Slide 145: Rights Reserved.
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 145
Slide 146: Appendix and Non-GAAP Reconciliations
2026 Investor Day Appendix and Non-GAAP Reconciliations
Slide 147: Adjusted EBITDA and Adjusted EBITDA Margin
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 147 Adjusted EBITDA and Adjusted EBITDA Margin
Slide 148: Adjusted Net Income & Adjusted Diluted EPS
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 148 Adjusted Net Income & Adjusted Diluted EPS $ in millions, except per share data 2025 2024 2023 2022 Reconciliation of Net income attributable to TransUnion to Adjusted Net Income: Net income (loss) attributable to TransU
Slide 149: Adjusted Diluted EPS
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 149 Adjusted Diluted EPS $ in millions, except per share data 2025 2024 2023 2022 Reconciliation of Diluted earnings per share from Net income attributable to TransUnion to Adjusted Diluted Earnings per Share: Diluted earnin
Slide 150: Adjusted Effective Tax Rate
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 150 Adjusted Effective Tax Rate $ in millions 2025 2024 2023 2022 2021 Income before income taxes 643.0$ 401.1$ (145.3)$ 383.0$ 505.6$ Total adjustments before income tax items from Adjusted Net Income table above 527.0 633.
Slide 151: Leverage Ratio
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 151 Leverage Ratio $ in millions 2025 2021 Reconciliation of Net income attributable to TransUnion to consolidated Adjusted EBITDA: Net income attributable to TransUnion 455.4$ 1,390.3$ Discontinued operations, net of tax -
Slide 152: Non-GAAP Adjustment Footnotes
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 152 Non-GAAP Adjustment Footnotes As a result of displaying amounts in millions, rounding differences may exist in the tables and footnotes. 1. Mergers and acquisitions, divestitures and business optimization consisted of th
Slide 153: Non-GAAP Adjustment Footnotes
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 153 Non-GAAP Adjustment Footnotes 3. Operating model optimization consisted of the following adjustments: 4. Net other consisted of the following adjustments: 5. Consolidated Adjusted EBITDA margin is calculated by dividing
Slide 154: Adjusted EBITDA and Adjusted EPS Guidance
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 154 Adjusted EBITDA and Adjusted EPS Guidance As a result of displaying amounts in millions, rounding differences may exist in the table. 1. These adjustments include the same adjustments we make to our Adjusted EBITDA and A