Slide 1: Fourth Quarter 2021 Earnings
v vv TransUnion Fourth Quarter 2021 Earnings Chris Cartwright, President and CEO Todd Cello, CFO February 22, 2022 Exhibit 99.4
Slide 2: Forward-Looking Statements
© 2022 Trans Union LLC All Rights Reserved | 2 Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements are based on the current beliefs and expectations of TransUnion’s management an
Slide 3: Agenda
© 2022 Trans Union LLC All Rights Reserved | 3 Fourth quarter 2021 highlights and 2022 commentary 1 First quarter and full year 2022 guidance 4 Business transformation2 Fourth quarter 2021 financial results3
Slide 4: Sustainability Update
© 2022 Trans Union LLC All Rights Reserved | 4 Sustainability Update • Earned perfect score from Human Rights Campaign Foundation’s 2022 Corporate Equality Index • Announced pledge to achieve net- zero Scope 1 and 2 GHG emissions by 2025 • Expanding disclosure in Diversity and Sustainability Reports
Slide 5: Fourth Quarter 2021 Highlights
© 2022 Trans Union LLC All Rights Reserved | 5 Fourth Quarter 2021 Highlights • Delivered another strong quarter of broad, innovation-led growth • Benefited from a healthy market backdrop and execution of our Growth Playbook • Standouts verticals included Financial Services, Insurance, and Media; In
Slide 6: 2022 is setting up to be another strong year
© 2022 Trans Union LLC All Rights Reserved | 6 2022 is setting up to be another strong year • Guidance for 5.5% to 7.5% organic growth in 2022. Excluding mortgage, organic constant currency growth is expected to be 9% to 11% • In the U.S., consumer balance sheets have never been stronger • Internati
Slide 7: Verisk Financial Services adds a proprietary data asset to our portfolio
© 2022 Trans Union LLC All Rights Reserved | 7 Verisk Financial Services adds a proprietary data asset to our portfolio Argus provides authoritative and differentiated insights for credit/debit card accounts and demand/deposit accounts (DDAs) spending behavior • Data sourced from consortia of banks
Slide 8: Acquiring Argus will enhance value to consortia members
© 2022 Trans Union LLC All Rights Reserved | 8 Acquiring Argus will enhance value to consortia members • Better utilize the full wallet view of the consumer to deliver actionable insights • Modernize delivery of Argus products using Prama Platform • Expand Argus’ data coverage and addressable market
Slide 9: Clear path to driving significant financial value from Verisk Financial Services
© 2022 Trans Union LLC All Rights Reserved | 9 We see a clear path to driving significant financial value from Verisk Financial Services Transaction Details • $515 million purchase price will be funded with cash; target close in Q2 2022 • Represents 12.5x 2021 Adjusted EBITDA* multiple Verisk Financ
Slide 10: Sontiq delivered strong performance in 2021
© 2022 Trans Union LLC All Rights Reserved | 10 • Provides solutions to help consumers and businesses protect against identity theft and cybercrime, including identity monitoring, restoration, and breach response • 2021: $87M of revenue (~18% YoY organic growth) at ~35% Adjusted EBITDA margins • 202
Slide 11: Neustar had a good year in 2021
© 2022 Trans Union LLC All Rights Reserved | 11 • Provides real-time identity resolution through its OneID platform, powering a broad array of solutions • 2021: $585M of revenue or ~8% YoY organic growth – Marketing up low-double-digits – ~21% Adjusted EBITDA margins • 2022E: High-single-digit reven
Slide 12: Expanding our technology transformation to drive superior performance
© 2022 Trans Union LLC All Rights Reserved | 12 Expanding our technology transformation to drive superior performance • Realizing early successes – built cloud-native credit reporting platform, which will be deployed for new Brazilian bureau • Leveraging OneID to accelerate innovation of non-credit
Slide 13: Q4 2021 Revenue Bridge
© 2022 Trans Union LLC All Rights Reserved | 13 Q4 2021 Revenue Bridge Q4 2020, Previously Reported (Remove Healthcare) Q4 2020, Re-Based Q4 2021, Excluding HC Vs. Pro-Forma Guidance* Revenue $699 $(45) $653 $790 $775 - 785 Y/Y 21% Organic Constant Currency Y/Y 12% 9% - 11% Adjusted EBITDA 269 (22)
Slide 14: FY 2021 Revenue Bridge
© 2022 Trans Union LLC All Rights Reserved | 14 FY 2021 Revenue Bridge FY 2020, Previously Reported (Remove Healthcare) FY 2020, Re-Based FY 2021, Excluding HC Vs. Pro-Forma Guidance* Revenue $2,717 $(186) $2,531 $2,960 $2,855 - 2,955 Y/Y 17% Organic Constant Currency Y/Y 13% 12% - 12.5% Adjusted EB
Slide 15: U.S. Markets Q4 2021 Year-over-Year Financial Highlights
© 2022 Trans Union LLC All Rights Reserved | 15 Note: Rows may not foot due to rounding. For additional information, refer to the “Non-GAAP Financial Information” section on slide 2. Reported FX Impact Inorganic Impact Organic Constant Currency Revenue 25% — (13)% 11% Financial Services 12% — — 12%
Slide 16: Consumer Interactive Q4 2021 Year-over-Year Financial Highlights
© 2022 Trans Union LLC All Rights Reserved | 16 Consumer Interactive Q4 2021 Year-over-Year Financial Highlights Reported FX Impact Inorganic Impact Organic Constant Currency Revenue 14% — (6)% 8% Adjusted EBITDA 14% — (1)% 13% Note: For additional information, refer to the “Non-GAAP Financial Infor
Slide 17: International Q4 2021 Year-over-Year Financial Highlights
© 2022 Trans Union LLC All Rights Reserved | 17 Note: Rows may not foot due to rounding. For additional information, refer to the “Non-GAAP Financial Information” section on slide 2. International Q4 2021 Year-over-Year Financial Highlights Reported FX Impact Inorganic Impact Organic Constant Curren
Slide 18: Consistent Ability to De-Lever via Adjusted EBITDA Growth
© 2022 Trans Union LLC All Rights Reserved | 18 TransUnion Has Shown a Consistent Ability to De- Lever via Adjusted EBITDA Growth • $1.8B cash at quarter-end; prepaid $400M of Term Loans in January • $515M of cash for Verisk Financial Services acquisition; $350M for taxes on Healthcare transaction •
Slide 19: Q1 2022 Guidance
© 2022 Trans Union LLC All Rights Reserved | 19 Q1 2022 Guidance Reported Revenue: $906M to $914M +30% to +31% Assumed M&A contribution: ~24pt. Benefit Assumed FX contribution: Immaterial impact Organic Constant Currency Revenue: +6% to +7% Assumed Mortgage impact: ~(5)pt. headwind Organic CC Revenu
Slide 20: FY 2022 Revenue Guidance
© 2022 Trans Union LLC All Rights Reserved | 20 FY 2022 Revenue Guidance Note: Guidance does not include announced acquisition of Verisk Financial Services. Note: For additional information, refer to the “Non-GAAP Financial Information” section on slide 2. Reported Revenue: $3.752B to $3.810B +27% t
Slide 21: FY 2022 Adjusted EBITDA, Adjusted Diluted EPS and Other Guidance
© 2022 Trans Union LLC All Rights Reserved | 21 FY 2022 Adjusted EBITDA, Adjusted Diluted EPS and Other Guidance Adjusted EBITDA: $1.386B to $1.424B +20% to +23% Assumed FX contribution: Immaterial impact Adjusted EBITDA Margin 36.9% to 37.4% Adjusted EBITDA Margin bps change: -210bps to -170bps Adj
Slide 22: Summary of Q4 results, guidance and acquisitions
© 2022 Trans Union LLC All Rights Reserved | 22 • Delivered strong Q4 results supported by our Growth Playbook • Provided healthy FY 2022 guidance pointing to continued positive momentum • Completed acquisitions of Neustar and Sontiq and intend to acquire Verisk Financial Services
Slide 23: Investor Day on March 15th
© 2022 Trans Union LLC All Rights Reserved | 23 Investor Day on March 15th • Updated long-term growth targets • Deep dive into refreshed strategic framework • Presentations from over a dozen executives
Slide 24: Q&A
© 2022 Trans Union LLC All Rights Reserved | 24 Q&A