Transunion · NYSE:TRU
Transunion — Investor Day (March 2026)
154 slides from Transunion's investor day presentation, March 2026
Slide 1: © 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved.
© 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 1
Slide 2: Forward-Looking Statements and Non-GAAP Financial Information
Forward-Looking Statements Non-GAAP Financial Information This investor presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. This investor presentation includes certain non-GAAP These statements are based on the current beliefs
Slide 3: Innovation at Scale. Value that Endures.
TransUnion 2026 Investor Day Innovation at Scale. Value that Endures. Chris Cartwright, President & CEO MARCH 2026
Slide 4: Since our last Investor Day in 2022, we have transformed the company
Since our last Investor Day in 2022, we have transformed the company, positioning TRU for accelerated performance 1 2 3 4 Scope expansion Scale enablement Innovation velocity Value creation across solutions, through global leveraging through profitable geographies, data, solutions, proprietary data,
Slide 5: Key investments to unlock TransUnion's full potential
This transformation included key investments to unlock TransUnion’s full potential Investments Organization Solutions Technology Operations Go-to-Market Global leverage, Expansion, Standardization, Simplification, Customer focus, functional innovation, and modernization, rationalization, collaborati
Slide 6: Portfolio focused on Credit, Marketing, Fraud and Consumer solutions
Our portfolio is focused on complementary and interrelated solutions in Credit, Marketing, Fraud and Consumer Large, growing, and complementary Credit markets with attractive economics Proprietary data assets that are mission-critical for customers Consumer Identity Marketing Leading identity resolu
Slide 7: Our solutions span the range of interconnected market needs
Our solutions span the range of interconnected market needs • What traits define my ideal audience? • Who can afford my product? • Who fits that profile? • Who is likely to repay me? • Where are they most likely to • What’s the right price for risk? respond? • How is my portfolio performing? Credit
Slide 8: Ample share gain opportunities across large, fast-growing markets
Ample share gain opportunities exist across large, fast- growing markets Market Opportunity SAM by Solution $48B TAM: $126B Consumer $8B Market CAGR: 8-10%+ Fraud $10B SAM: $48B Marketing $14B TU Revenue: $4.6B Credit $16B Note: TU Revenue to SAM/TAM not drawn to scale Note: Figures rounded to neare
Slide 9: Global platforms will diffuse our solutions across geographies
Our global platforms will diffuse our solutions rapidly across geographies Solution Revenue in 2025 $3.6B $1.0B Other 2% U.S. Markets increasingly diversified from Marketing 13% 12% core Credit Consumer 16% 15% International underpenetrated in Marketing, Fraud 17% Fraud, and Consumer Proven GTM play
Slide 10: OneTru unlocks innovation and growth across the enterprise
OneTru unlocks innovation and growth across the enterprise Credit Any Data Marketing Fraud Any User Consumer AI capabilities Data & analytics value chain © 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 10
Slide 11: TruOps enables scale in customer and consumer service
TruOps enables scale in customer and consumer service TruOps: TU’s Global Operations-Enablement Platform Customer Ecosystem Consumer Ecosystem Lead Opportunity Agent Knowledge AI Agent Generation Management Base Assist Pricing & Contract Accent Phone, Chat, Mail Quotation Lifecycle Neutralization Ro
Slide 12: Global Capability Centers power innovation and corporate functions
Global Capability Centers power innovation and deliver critical corporate functions Global Capability Center Employment 5,700 800 900 2,400 Costa Rica 200 Africa 300 4,000 India 1,900 2021 Today 24% of TU associates 41% of TU associates Note: Headcounts rounded to nearest hundred © 2026 TransUnion,
Slide 13: Three global platforms drive development, delivery and efficiency
Working together, these three global platforms drive product development, delivery and functional efficiency Solutions Platform Operating Platform Talent Platform © 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 13
Slide 14: Capabilities accelerate innovation and deliver customer value
The resulting capabilities allow us to accelerate innovation and deliver greater customer value • Automate and accelerate using Agentic AI Our innovation approach is: Activation • Expand service delivery options • Evolve how we Go-to-Market Increasing Value Creation Deployed across all solutions • C
Slide 15: AI will drive growth and solidify competitive advantages
AI will drive growth and solidify our competitive advantages Our foundation positions us for success in AI era Customer benefits Proprietary Domain-specific, highly regulated, broadly sourced, Data Access Experience Data individually contracted, and continuously enhanced Explainability Performance G
Slide 16: Beginning of a new era of scalable growth and compounding value
We are at the beginning of a new era of scalable growth and compounding value creation Growth Industry-leading investments Balance sheet Innovation-led optimization Value Shareholder Creation Durable return Technology Operating model AI productivity modernization optimization © 2026 TransUnion, its
Slide 17: We have the right team to win
We have the right team to win © 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 17
Slide 18: Agenda
TransUnion leader Our platforms Venkat Achanta EVP, Chief Technology, Data & Analytics Officer and solutions Mohamed Abdelsadek EVP, Chief Global Solutions Officer Jamal Darwiche Head of Global Credit Solutions Agenda Brian Silver Head of Global Marketing Solutions Steve Yin Head of Global Fraud Sol
Slide 19: Power of the OneTru Platform
TransUnion 2026 Investor Day Power of the OneTru Platform Venkat Achanta, Chief Technology, Data and Analytics Officer MARCH 2026
Slide 20: OneTru manifests the data and analytics value chain
OneTru is the manifestation of the data & analytics value chain across credit, marketing and fraud solutions Data Identity Analytics Delivery Decision Identity Insights & Model Visualization, Data Collection Design, Curation & Model Deployment Reporting & Processing Deployment & Resolution Developme
Slide 21: OneTru is a differentiated data, analytics and AI platform
OneTru is a cutting-edge and differentiated data, analytics and AI platform that unlocks TransUnion’s growth potential OneTru: TU’s Global Solutions-Enablement Platform How OneTru differentiates TransUnion Best-in-class Data Credit Any Data Industry-leading Identity Marketing Flexibility-first Platf
Slide 22: OneTru is a differentiated data, analytics and AI platform
OneTru is a cutting-edge and differentiated data, analytics and AI platform that unlocks TransUnion’s growth potential OneTru: TU’s Global Solutions-Enablement Platform How OneTru differentiates TransUnion Best-in-class Data Industry-leading Identity Flexibility-first Platform Global Availability AI
Slide 23: OneTru combines proprietary data with billions of signals
OneTru combines TransUnion’s proprietary data with billions of dynamic, disparate, online and offline signals in near real-time Identities Differentiator 9B 3B Mobile Consumer Tens of Consumer Behavior Advertising IDs Addresses Public Records thousands of data 3B+ 2.5B ~150Ms sources 5B 650M 1B Cred
Slide 24: Differentiated data drives consortium and network effects
This differentiated data drives the consortium, network effects and feedback loops that strengthen our competitive advantage 1 2 3 Leading short-term lending Key marketing attributes, Transaction-level consortium bureau in the U.S. online and offline, for entire with consumer and U.S. adult populati
Slide 25: OneTru identity creates a 360-degree view of the consumer
OneTru identity creates a 360-degree view of the consumer that drives consistent results across every channel and interaction FIRST: JANE LAST: DOE CUST ID: 1234 PHONE: (214) 555-1212 Credit DEVICE ID: D9ZX2YA01 ADDRESS: 1234 MAPLE ST. EMAIL: JANED@GMAIL.COM JDOE@YAHOO.COM CREDIT: - MONTHLY PAYMENT
Slide 26: Results demonstrate our leading identity performance
The results demonstrate our leading identity performance Comprehensive Data Industry-Leading Accuracy Award Winning Size of select identity databases (millions) +25.5% 1,200 Emails +36% 880 Higher accuracy Phone 707 +33% than the industry Numbers 530 standard* Connected 92 +96% TVs 47 *Email to Post
Slide 27: OneTru is unified and composable
OneTru is unified and composable, meeting customers where they are with what they want Composability: Environment-agnostic Modularity: Menu of capabilities based on flexibility for customers customer needs Data-to-Insights Process Modular feature-set Data ON ON OFF OneTru hosted in OneTru hosted in
Slide 28: OneTru gives us global scale with fast IP diffusion
OneTru gives us global scale with fast IP diffusion, reduced operational complexity and rationalized infrastructure Rest of regions ~80% ~90% 100% of TU revenue of TU revenue of TU revenue • U.S. credit, marketing and fraud • We are expanding our Credit, • Next, we will embed these solutions are on
Slide 29: AI ecosystem architected in OneTru
We architected an AI ecosystem in OneTru by engineering proprietary capabilities and strategic off-the-shelf solutions Universal Interface Receives and returns information in many different formats – natural language, images, tables Universal Interface Knowledge Graph Provides logical models of the
Slide 30: AI Analytics Orchestrator Agent
AI Analytics Orchestrator Agent © 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 3030
Slide 31: OneTru leverages AI across the data analytics value chain
OneTru leverages AI to operationalize and accelerate the data analytics value chain across Credit, Marketing and Fraud solutions Data Identity Analytics Delivery Decision Design, Visualization, Data Collection Identity Curation Insights & Model Model Deployment Deployment & Reporting & Processing &
Slide 32: Native AI capabilities unlock use-cases for products and operations
OneTru’s native AI capabilities unlocked the entire spectrum of use-cases for our products and operations TruIQ Credit Marketing & Fraud Driving 75% reduction in required 2x faster from data to 35% lift in newest TU support after agents Insights across lifecycle Fraud models Customer Value Software
Slide 33: OneTru unlocks better performance in U.S. Credit
OneTru unlocks better performance, resilience and innovation in U.S. Credit U.S. Credit Effect of OneTru Migration Large footprint FactorTrust Outperforming largest competitor 10K Alt. Credit Bureau 15% lift from the latest score vs. previous Customers 25% faster response times Highly complex jobs O
Slide 34: OneTru drives cost efficiencies and frees capacity
OneTru drives cost efficiencies and frees capacity for innovation-focused initiatives Infrastructure Reduced Maintenance Lower Capital Intensity Rationalization Costs 2 p.p. reduction in CapEx as % of Revenue 95%+ reduction in 20 p.p. reduction (from 8% to 6%) U.S. Data Centers in capacity spent (fr
Slide 35: OneTru is a differentiated platform built to unlock growth
OneTru is a differentiated data, analytics and AI platform built to unlock TransUnion’s growth © 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 3535
Slide 36: Accelerating Innovation-Led Growth
TransUnion 2026 Investor Day Accelerating Innovation-Led Growth Mohamed Abdelsadek, Chief Global Solutions Officer MARCH 2026
Slide 37: Positioned to accelerate innovation-led, scalable growth
We are positioned to accelerate innovation-led, scalable growth across our solution suites 1 2 3 4 We have a clear right Our solutions Our solutions suites We deliver tangible to win in Credit, transformation solve customers' results – stronger Marketing, Fraud, and enables faster most important cus
Slide 38: Proprietary data and analytics power Credit, Marketing and Fraud
Proprietary data and analytics power our Credit, Marketing, and Fraud solutions Credit Marketing Fraud Solutions Solutions Solutions + >50 years as global credit bureau + Trusted partner of 70%+ of + Leading non-credit ID graph with >1B regulated data files Fortune 100 companies linking proprietary
Slide 39: Consumer Solutions extend B2B solutions
Consumer Solutions are a natural extension of B2B solutions with strong growth potential Enabling Customers and 1.4B+ adult 380M+ consumers served Key drivers of growth consumers in primarily through >1,000 Serving core markets B2B customers Consumers Offers and enhanced Premium products Unifying Gl
Slide 40: Helping customers solve pressing challenges
We help customers solve their most pressing challenges and capture opportunities Nearly $1T in credit >$25B wasted marketing Credit losses annually due to spend on a market mispriced risk and poor growing by a trillion credit decisions dollars Consumer Identity Marketing >$500B lost by businesses >6
Slide 41: Embedding across the customer lifecycle
We solve these problems by deeply embedding across the customer lifecycle Engage Acquire Manage Recover Target and reach the Establish a Measure and protect Identify, verify and right consumers in relationship with the relationship effectively contact any channel the consumer and experience consumer
Slide 42: Consolidated point solutions into interconnected suites
We consolidated point solutions into interconnected suites that drive faster innovation FROM TO Credit Disparate Analytics and Integrated Analytics and Solutions Credit Marketing tools Credit Marketing portfolio Marketing 90+ products on 16 30 products and services Solutions technology stacks on One
Slide 43: Interconnected suites enable superior customer experience
On OneTru, these interconnected suites enable a superior customer experience Customer Solutions Hosted data cloud agnostic at TU or in customer cloud 3rd party Credit Marketing Fraud Consumer solutions solutions solutions solutions solutions Access to TU + 3rd party data / / models solutions and ID
Slide 44: Innovative solutions drive real impact for customers
Our innovative solutions drive real impact for customers Credit Fraud Credit Marketing Fraud / Analytics Marketing Risk Comms +162% +90% 2.5x 40%+ faster reduction in 85% fraud capture conversion lift prescreen offer +282% erroneous faster time to improvement by linking brand presentment conversion
Slide 45: Enabling a top US credit card issuer across the lifecycle
CASE STUDY Enabling a top 10 US credit card issuer across the customer lifecycle Key Customer Goals TU Solutions Outcomes Reduce portfolio credit and Established credit base >20-year, deeply fraud risk Innovation Labs embedded credit Build and activate audiences relationship Identity, Devi
Slide 46: Powering a top global payments player's analytics value chain
CASE STUDY Powering a top 3 global payments player’s end-to-end analytics value chain Key Customer Goals TU Solutions Outcomes Identify the right consumers TruIQ Data Enrichment, in customer's environment, Relationship expansion Create powerful risk models to access TU credit data across Credi
Slide 47: Natively-enabled AI delivers faster, more predictive insights
Natively-enabled AI across our solutions delivers faster and more predictive insights Credit Marketing Fraud Accelerating and improving Establishing outcome-driven Delivering earlier, more analytics and decisioning audiences accurate predictiveness • AI-powered TruIQ Analytics • Audiences by TransUn
Slide 48: Commercial momentum has accelerated
Across our portfolio, commercial momentum has accelerated Scaling flagship Strengthening Building products retention pipeline ~40% YoY 95%+ Doubled Trusted Call Solutions Marketing Solutions TruIQ Credit Analytics revenue growth retention rate Enablement pipeline >20% YoY 50%+ Doubled Marketing Iden
Slide 49: Industry recognizes the strength of our solutions
The industry recognizes the strength of our solutions "Gold Winner" from 2026 Juniper "Leader" in 2024 and 2025 Gartner Research for Best Branded Call Magic Quadrant for Marketing Mix Solution in Telco Innovation Modeling (MMM) "Strong Performer" in 2025 Emmy award in 2024 for Fraud IP Forrester Wav
Slide 50: Positioned to accelerate innovation-led growth in 2026
We are positioned to accelerate innovation-led growth in 2026 30+ product launches • TruIQ Data Enrichment in Cloud Data Warehouses • Closed Loop Reporting Self-service 40+ major enhancements • Marketing Solutions Curated Audiences >$500 million in 3-year • Device Risk enhancements revenue potential
Slide 51: The right leadership team in place to win
We have the right leadership team in place to win Jamal Brian Steven James Francesca Melanie Darwiche Silver Yin Garvert Noli Zimmerman Head of Credit Head of Marketing Head of Global Head of Head of Consumer Head of Public Risk Solutions Solutions Fraud Solutions Communications Solutions Records Da
Slide 52: Positioned to drive faster innovation and scalable growth
We are positioned to drive faster innovation and scalable growth, globally across our solution suites © 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 52 52
Slide 53: Credit Solutions
TransUnion 2026 Investor Day Credit Solutions Jamal Darwiche, Head of Global Credit Solutions MARCH 2026
Slide 54: Credit Solutions has a resilient core with accelerating innovation
Credit Solutions has a resilient core with accelerating innovation in alternative data and analytics 1 2 3 4 Sustained Differentiated High impact AI is a catalyst, competitive Alternative analytic solutions boosting demand moat from a strong Data assets from TruIQ and innovation resilient core © 202
Slide 55: Credit Solutions delivered two years of double-digit growth
Credit Solutions has delivered two straight years of double- digit growth FY 2025 Revenue Composition YoY Revenue Growth +13% Alternative Data +13% 11% +4% $0.7 Analytics $0.7 ($ in Billions) Enablement $0.6 $0.6 5% $1.8 $1.6 Core Credit $1.3 $1.4 84% Includes Commercial Credit and trended data offe
Slide 56: Attractive market with secular tailwinds
Playing in an attractive market with several secular tailwinds Total Market: $27B Credit markets are dynamic and continue to grow Serviceable Market: $16B Increasing lender appetite for alternative data Rising need for advanced analytics solutions TU Revenue $2.6B Accelerating AI adoption increasing
Slide 57: Faster, smarter decision-making from comprehensive data
Data-driven decisions at scale with 1B+ consumer files and industry leading scores and attributes Core Credit We enable faster, smarter Value for decision-making powered by Customers Analytics comprehensive and Alternative Enablement Data differentiated data, and advanced TruIQ analytics solutions a
Slide 58: Top credit bureau globally with growth outpacing the market
Top credit bureau globally with growth outpacing the market FY 2025 Revenue Composition Global foothold continuing to scale U.S. Markets 72% 5 Billion 30 India 10% Records refreshed Countries with customer per month networks/data furnishers Canada 5% 50% #1 UK 4% YoY revenue growth Credit bureau in
Slide 59: Alternative Data assets unlock a $15 billion+ market
Alternative Data assets create a holistic consumer profile to unlock a $15 billion+ addressable market Broad data coverage Short-term Credit Income and Card Spend and Public Records and Bill Pay Employment Cash Flow Short-term lending Affordability (UK) Credit Card Drivers’ History Transactions Buy-
Slide 60: FactorTrust on OneTru positioned for market-leading growth
FactorTrust on OneTru positioned for continued market-leading growth Established market leader in short-term 19% 2025 YoY revenue growth lending in U.S. Recent break-through performance driven by innovation: 15% lift from current score • OneTru improving scalability versus previous • Powerful new sc
Slide 61: TruIQ provides fast, secure access to data and analytics
TruIQ provides fast, convenient, and secure access to TU’s data, expertise, and powerful AI-enabled analytics TruIQ helps customers grow their business through: • On-demand data access and linking in their environment of choice • Easier adoption and scaling of tailored, modular solutions • Faster ti
Slide 62: Reducing prescreen time-to-market for large U.S. bank
TRUIQ CASE STUDY Reducing prescreen time-to-market for large U.S. bank by >50% Challenge Solution Results Linked TransUnion credit data Multiple steps including 3rd party directly in the client’s cloud environment to accelerate 45 days to 21 data transfers prescreen time-to-market Reduced time-to-ma
Slide 63: Enabling large bank to double personal loan approval rates
TRUIQ CASE STUDY Enabling large bank to double personal loan approval rates Challenge Solution Results Leveraged TruIQ solutions and TU Growing pressure analytics expertise to refine credit policies and expand unsecured 109% from competitors installment loan products Lift in personal loan Fast acces
Slide 64: TruIQ accelerates share gains in high growth market
TruIQ accelerates share gains in high growth market 40%+ 100% 3 YoY revenue YoY pipeline Regions live in growth in 2025 growth in 2025 H1 2026 AI-enabled TruIQ solutions and data are helping our customers Growing number of competitive wins, including with top realize their full 10 lenders, replacing
Slide 65: Leading global credit franchise with ample runway
Leading global credit franchise with ample runway for growth Key Takeaways Double-digit growth over last two years driven by resilient core and new growth vectors High-Single Digit or Greater Strong demand for differentiated alternative data, creating a comprehensive view of consumers Medium-Term Gr
Slide 66: Marketing Solutions
TransUnion 2026 Investor Day Marketing Solutions Brian Silver, Head of Global Marketing Solutions MARCH 2026
Slide 67: Key truths to guide our discussions
Key truths to guide our discussions today 1 2 3 4 Marketing is a large, TransUnion is the We transformed AI is an accelerant, fragmented, and trusted partner of from point increasing demand evolving ecosystem choice solutions to a for our connected in need of a trusted connected suite, data data par
Slide 68: Marketing Solutions rose to high-single digit growth in 2025
Marketing Solutions rose to high-single digit growth in 2025 FY 2025 Revenue Composition YoY Revenue Growth +7% +1% +0% $23 $13 $16 $17 Measurement ($ in Millions) 21% Identity 47% $434 $443 $442 $470 Audiences 32% 2022 2023 2024 2025 U.S. International All revenue growth rates are on an organic con
Slide 69: Trusted data partner in large and fragmented market
Positioned to be trusted data partner in large and fragmented market Total market: $60B AI accelerates opportunity Media fragmentation drives the need for core identity services Serviceable market: $14B Cloud and LLM growth connects data faster and more efficiently Marketers doing more with less cau
Slide 70: TruAudience provides a flexible, consistent user experience
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 Activation and Data Ingestion Collaboration Impact Graph Connectivity Pipes and Privacy Unlea
Slide 71: End-to-end stack of identity-powered marketing solutions
Who are my customers? Identity Outcomes Effectiveness We transform marketing Consumer effectiveness with an end-to- Value Brand for Awareness, end stack of unique Customer Loyalty, and TransUnion identity- Measurement s Audience Retention powered marketing solutions How can I attribute Expansion How
Slide 72: Insights and connection via analysis across all solutions
Who are my customers? Identity Outcomes Effectiveness Providing customers with insights and connection via in- Consumer depth analysis across all solutions Value Brand for Awareness, Customer Loyalty, and Measurement s Audience Retention How can I attribute Expansion How do I reach my outcomes to be
Slide 73: Trusted partner with top companies across industries
Trusted partner with the top companies across industries Customers Partnerships / Integrations 2 of top 3 8 of top 10 284 U.S. Auto OEMs Banks Integrations Partners Strengthening 5 of top 10 All 154 signals from Streaming Services Major Credit Card Cos Measurement Partners 5 of top 10 3 of top 5 180
Slide 74: Customers prefer TransUnion for data, connectivity and measurement
Our customers prefer TransUnion for our data, connectivity, and measurement Identity Audiences Measurement • Best-in-class data driving • Scaled, accurate audience • Multi-platform connectivity 30% higher conversion targeting • Modeling and attribution with • Connectivity into cloud; • 98% of US hou
Slide 75: Driving increased growth across the portfolio
Driving increased growth across the portfolio Key Enhancements Meaningful Impact in 2025 •+ Platform and product consolidation Identity Solutions grew 21% YoY • >40% of 2025 new bookings influenced by cloud-native offerings •+ New innovative offerings driving bookings growth Audiences Solutions expe
Slide 76: Utilizing AI and best-in-class data for predictive outcomes
Utilizing AI and best-in-class data for enhanced discovery, speed, and predictive outcomes AI in the Why TU Our AI Innovations Marketing Space Audiences by TransUnion Best-in-class data • Improved user experience with • Marketing bridges the gap from • 700+ demographic and 15k+ search and discovery,
Slide 77: End-to-end customer value for a top 5 U.S. retailer
CASE STUDY Our solutions create end-to-end customer value for a top 5 U.S. retailer Expanded to Brand + Event Added measurement to marketing measurement Canada and Mexico Utilized site-based Started with marketing identity recognition effectiveness for audience creation measurement Starting point an
Slide 78: End-to-end customer value for a top 5 U.S. retailer
CASE STUDY Our solutions create end-to-end customer value for a top 5 U.S. retailer Expanded to Brand + Event Added measurement to Benefits to the Customer marketing measurement Canada and Mexico Benefits to TransUnion Utilized site-based Started with marketing identity recognition • Improved identi
Slide 79: Positioned to become a leading Marketing Solutions platform globally
Positioned to become a leading Marketing Solutions platform globally Key Takeaways Flexible enterprise suite of solutions focused on a single view of the customer High-Single Digit or Greater TransUnion has the team, technology, and experience to capitalize on current market opportunity Medium-Term
Slide 80: Fraud Solutions
TransUnion 2026 Investor Day Fraud Solutions Steven Yin, Head of Global Fraud Solutions James Garvert, Head of Global Communications Solutions MARCH 2026
Slide 81: Driving growth through AI-driven analytics and unique data
Driving growth through AI-driven analytics, leveraging our unique data assets 1 2 3 4 Fraud mitigation is Best-in-class data Differentiated Advanced a large, dynamic, assets create a solutions: Identity, analytics and AI and growing global competitive moat Digital and capabilities unlock market Comm
Slide 82: Fraud Solutions has driven consistently strong growth
Fraud Solutions has driven consistently strong growth with potential for further acceleration FY 2025 Revenue Composition YoY Revenue Growth +8% +8% +7% Digital Risk $149 13% $147 $132 $122 ($ in millions) 360 Identity 47% $556 $610 Trusted $489 $521 Communications 40% 2022 2023 2024 2025 U.S. Inter
Slide 83: Increasing fraud is driving demand for data-centric solutions
Increasing fraud is driving demand for data-centric solutions Total market: $25B 7% of revenue lost to fraud in 2025 Digital volume continues to expand Serviceable market: $10B Scams and cyber-attacks continue to grow AI driving demand and internal opportunity TU Revenue $0.8B Heightened regulatory
Slide 84: Proprietary data and native AI power our solutions
Proprietary data and OneTru’s native AI capabilities power our solutions Advanced Analytics / AI/ML 360 Digital Trusted Identity Risk Communications The full story behind Fighting emerging threats Understanding risk in real consumer identity while enabling trust time phone interactions Orchestration
Slide 85: Solutions address customer needs across the lifecycle
Our solutions address customer needs across the lifecycle Account Resolution Pre-Acquisition 6 • Synthetic ID • Device Risk • ID Verification (IDV) models Account • Credit Washing • IPI Resolution • Synthetic Identity model Pre- and Closure Acquisition 1 Servicing 5 Application and Decisioning • Inb
Slide 86: Unmatched breadth and depth of data across channels
Unmatched breadth and depth of data across our channels 360 + Digital + Trusted + Identity Risk Communications • Data spans 30+ countries • Decades of digital fraud • Power 90% of US caller IDs; with >100K sources and experience integrated with >800 telcos >1B consumer files • Longest-standing globa
Slide 87: Fraud AI Model Factory accelerates response to emerging fraud
Fraud AI Model Factory accelerates response to emerging fraud at scale Responding to evolving All Fraud Data Unified API + fraud vectors rapidly and continuously Analytical AI Model Producing new models Execution Environment Factory + 2-3x faster in OneTru Environment Delivering orchestrated Tools,
Slide 88: Two new models: Credit Washing and Synthetic Identity
CASE STUDY Leveraging credit, fraud, and specialized data to create two new models: Credit Washing and Synthetic Identity The Challenge The Solution The Results New AI models leverage TU’s 189% synthetic fraud Increase in Synthetic identities identity graph and other are difficult to detect propriet
Slide 89: New AI model for digital risk improves detection for Starbucks
CASE STUDY New AI model for digital risk is driving strong, passive fraud detection improvements for Starbucks The Challenge The Solution The Results New AI model leverages TU’s Clients face increasing fraud risk unique digital data to detect and stop fraud passively 237 % Increase in fraud detectio
Slide 90: Trusted Communications: A scaled growth engine
Trusted Communications: A scaled growth engine Clear Market Differentiated Non-Replicable Strong Commercial Need Offering Data and Scale Momentum • Mobile is the new • Real-time authentication • 90% of U.S. caller ID • Scaling from $27M (2021) digital identity protects from ecosystem → $200M+ (2026F
Slide 91: Gaining strength in a $1B+ market
Gaining strength in a $1B+ market with expanding growth path Enabling the next chapter of Trusted Call Solutions growth 56% $1B+ $0.5B $2B+ CAGR Incremental Opportunity in TU Opportunity in 2021-2025 opportunity in US international trusted messaging SMB market markets market 8+ industries 8 of top 2
Slide 92: Fraud Solutions has the right capabilities to win
Fraud Solutions has the right capabilities to win in an expansive and growing market Key Takeaways Expanding opportunity driven by global fraud growth and evolving regulatory markets High-Single Digit or Greater Unique data delivering superior performance across channels Medium-Term Growth Target On
Slide 93: Portfolio focused on Credit, Marketing, Fraud and Consumer
Our portfolio is focused on complementary and interrelated solutions in Credit, Marketing, Fraud and Consumer Large, growing, and complementary Credit markets with attractive economics Proprietary data assets that are mission-critical for customers Consumer Identity Marketing Leading identity resolu
Slide 94: Break
Break © 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 94
Slide 95: U.S. Markets
TransUnion 2026 Investor Day U.S. Markets Steve Chaouki, President, U.S. Markets MARCH 2026
Slide 96: Proven U.S. growth strategy and differentiated sales model
Proven U.S. growth strategy built on scaled market positions and a differentiated sales model 1 2 3 4 Market-leading Insights-led, Expansive suite of Proven growth positions specialized sales solutions playbooks across large and model supporting demonstrated diversified U.S. accelerating durable, gr
Slide 97: Vertically-organized team with industry expertise
Vertically-organized team with industry expertise and deep customer relationships Financial Services Consumer Interactive Emerging Verticals Insurance Diversified Markets Mortgage Indirect Channels (B2B2C) Personal Tech, Retail, E-Commerce, Services & Collections Card & Banking Direct to Consumer Li
Slide 98: Financial Services is our flagship franchise
Financial Services is our flagship franchise with expanding growth levers Revenue by Sub-vertical Revenue by Solution Financial Services Market Coverage ($1.7 billion revenue) +17% +15% +2% 12,000+ customers Auto Consumer 17% Lending 21% Long-standing relationships Card & with top 20 lenders Banking
Slide 99: Consumer Interactive expands our reach as indirect channel partner
Consumer Interactive expands our reach as the leading indirect channel partner Revenue by Sub-vertical Revenue by Solution Consumer Interactive Market Coverage ($575 million revenue) -2% (+6% ex- -1% +2% Breach) Serve 150M+ U.S. consumers Direct 27% Relationships with virtually all top offer aggrega
Slide 100: Emerging Verticals is a diverse set of fast-growing end markets
Emerging Verticals is a diverse set of fast-growing end markets Revenue by sub-vertical (FY 2025) Revenue by Solution Market Coverage Diversified Markets ($934 million revenue) +1% +6% 8 of the top 10 retailers +4% Tech, Retail & 325 343 374 Public Sector 298 E-Commerce 6% 38% ~950 telecommunication
Slide 101: Specialized go-to-market model drives customer results
We turn insights into impact, with a specialized go-to-market model that drives customer results Robust thought Deep vertical Insights-led leadership expertise sales team Dedicated Research & Industry-aligned general Specialized sellers organized Consulting team management team around industry verti
Slide 102: Accelerated and profitable growth across U.S. Markets
Accelerated and profitable growth across U.S. Markets 2025 Highlights: +23 % +21 % +30 % +13 % YoY pipeline YoY increase YoY increase in YoY increase in increase in average total wins B2B revenue opportunity size © 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 102 102
Slide 103: Expansive suite of solutions supporting durable growth
Expansive suite of solutions supporting durable growth Credit More robust solutions portfolio (examples) Consumer Identity Marketing Credit Marketing Fraud • Expanded alternative data • Comprehensive Identity • TruIQ Analytics • Scaled Audiences Credit • Argus benchmarking tools • Industry-leading m
Slide 104: Customers now adopt more solutions, more deeply
Customers now adopt more solutions, more deeply Top 100 customers by number of product areas purchased Results Deeper and more durable 14% relationships 21% 36% 47% Higher renewal rates 2021 2025 39% 53% 64% purchasing 3 purchasing 3 Higher average spend or more 43% or more per customer product area
Slide 105: Commercial success through real-world execution
Our commercial success through real-world execution Financial Services Insurance Case Diversified Markets Case Study Study Case Study Multi-solution growth New product adoption Marketing Solutions expansion accelerated a top 10 bank expanded a major P&C unlocked 600%+ growth with a partnership by ~6
Slide 106: Expanding a top-10 bank relationship by ~60%
FINANCIAL SERVICES CASE STUDY Delivered broader solutions to expand our relationship with a top-10 bank by ~60% TransUnion Revenue at a Top-10 Bank How we drove customer value: +59% $26M Credit: Identified new growth opportunities leveraging Argus credit card payment study $16M 85% Marketing: Optimi
Slide 107: Growing a leading P&C insurer relationship by 30%
INSURANCE CASE STUDY Supported leading P&C insurer across the policy lifecycle, growing the relationship by 30% TransUnion Revenue at a Top-10 Property and Casualty Insurer How we drove customer value: +30% $10M Credit: Created deeper segmentation with Vehicle ~3x History; expansion underway $7M cre
Slide 108: Enhanced Marketing Solutions at a large audio streaming platform
DIVERSIFIED MARKETS CASE STUDY Deployed enhanced Marketing Solutions at a large audio streaming platform, scaling a legacy Neustar relationship TransUnion Revenue at a Large Audio Streaming Platform How we drove customer value: +630% $14M Enhanced solutions foundation: Improved identity signals, aud
Slide 109: Leading U.S. franchise with many vectors of growth
Leading U.S. franchise with many vectors of growth Key Takeaways Durable, diversified and high-growth portfolio High-Single Digit Differentiated vertical model and thought leadership, Medium-Term Growth Target driving customer ROI and deeper relationships Expanded solution suite and enhanced sales m
Slide 110: Scalable Global Growth Playbook
TransUnion 2026 Investor Day Scalable Global Growth Playbook Todd Skinner, President, International MARCH 2026
Slide 111: Attractive markets and a proven playbook for International
Attractive markets and a proven playbook creates unique opportunities for International 1 2 3 4 Market-leading Proven growth Indexed to Global technology positions across playbook to emerging markets and operating broad international outperform with large model unlock new portfolio underlying market
Slide 112: International generates ~$1 billion revenue across 30+ countries
International generates ~$1 billion revenue across more than 30 countries FY 2025 Revenue Canada United Kingdom 2025 Revenue: $167M 2025 Revenue: $270M Fastest growing bureau #2 in UK in Canada India 2025 Revenue: $264M #1 in India Asia Pacific 2025 Revenue: $101M #1 in Hong Kong and Philippines Lat
Slide 113: Proven growth playbook for each global market
We have a proven growth playbook to attack each of our global markets Adjacent Verticals Expand into Insurance, Income & FinTech, Consumer employment and Public Sector Client Engagement Share gain through deep partnership, superior delivery and end-to-end solutions Product Innovation Differentiated
Slide 114: Continued outperformance across international markets
Continued outperformance across international markets International Revenue vs. GDP Growth (2022-2025 CAGR) Organic constant currency revenue growth 19% International Revenue Revenue Real GDP 10% CAGR 11% 10% 9% 7% 6% Real GDP 4% 4% 4% 3% 3% 1% 1% CAGR India Canada Africa Asia Pacific Latin America
Slide 115: Canada delivered years of double-digit growth
Canada delivered 3 straight years of double-digit growth in a modestly growing economy TransUnion growing at 11% CAGR $M, organic constant currency Product differentiation and innovation Identity Exchange Insurance Risk Score 11% $170 (Fraud Solution) $154 $138 Growth Drivers $123 Deeper client enga
Slide 116: International is skewed to emerging markets
International is uniquely skewed to emerging markets Emerging Market Developed markets Emerging markets Opportunity Total population (2025): 115M Total population (2025) ~2B Demographic dividend UK, Canada, Hong Kong India, Brazil, Philippines, LatAm1 & Mexico, Africa2 1.6 billion 12 0-9 323 <50-yea
Slide 117: India
INDIA Long–term growth engine © 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 117 117
Slide 118: Strong track record of growth in India
Strong track record of growth in India despite near- term cyclical slowdown +23% CAGR Organic constant currency YoY revenue growth since 2017 36% 38% 33% 34% 30% 25% 25% 2% -3% 2017 2018 2019 2020 2021 2022 2023 2024 2025 Low inflation, moderate COVID contraction and Fastest-growing Macro and regula
Slide 119: Double-digit compound growth in India over the long-term
Double-digit compound growth in India over the long-term + Demographic advantage Product innovation focus + • World's most populous (~1.4B) country with • Differentiated core products using high-frequency the largest youth population data, analytics and platforms • Highly banked population with ~90%
Slide 120: Mexico
MEXICO TransUnion’s next growth market © 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 120 120
Slide 121: Mexico boasts attractive demographics in a digital economy
Mexico boasts attractive demographics in an increasingly digital economy Large and growing economy Attractive demographics • Second largest Latin American economy; • 132M people, expected to grow to 138M by 2027 #12 globally • Almost 50% of population under of 30; almost • Largest trading partner wi
Slide 122: Deploying our growth playbook in Mexico
We plan to deploy our growth playbook in Mexico to outperform the underlying market Strong revenue growth over last several years Upgrade client engagement • Move customers from report usage to end-to-end solutions • Introduce insight-led conversations; deploy target op model 10%+ Growth Drivers Mod
Slide 123: Transformation
Transformation Enabling new dimensions of growth © 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 123 123
Slide 124: Transformation augments International with technology and faster diffusion
Transformation augments International with cutting-edge technology and faster solutions diffusion Proven Growth Playbook Expected Outcomes Market Product Client Adjacent More dimensions to growth Growth Innovation Engagement Verticals Faster diffusion of global IP + Enhanced product performance Tran
Slide 125: Solution expansion to fuel outsized growth and diversify revenue
Solution expansion expected to fuel outsized growth and diversify revenue streams Early-Stage Solution Diversification Plans To Accelerate Through Diffusion Of in International Global Solutions Other $3.6B $1.0B Marketing 13% 12% TruIQ Analytics Consumer 16% 15% Marketing Fraud 17% Solutions 71% Fra
Slide 126: OneTru unlocks and accelerates capabilities across the globe
OneTru continues to unlock and accelerate capabilities across the globe OneTru is the foundation to build superior solutions… …to improve efficiency and performance Reduced product development time from years to few months Enhanced product speed and efficiency at scale Reduced complexity through uni
Slide 127: Unique portfolio built for multi-year growth compounding
Unique portfolio built for multi-year growth compounding Key Takeaways Proven growth playbook that consistently unlocks superior outcomes Low-Double Digit Emerging markets as a powerful engine accelerating Medium-Term Growth Target our next wave of growth OneTru and global product diffusion to drive
Slide 128: Financial Outcomes
TransUnion 2026 Investor Day Financial Outcomes Todd Cello, CFO MARCH 2026
Slide 129: Strong growth in 2024-25 after the U.S. lending recession
After navigating a U.S. lending recession in 2022-23, we delivered strong growth in 2024-25 2022 2023 2024 2025 Average Revenue Growth +3% +3% +9% +9% +6% Organic constant currency Adjusted EBITDA Growth +1% +1% +12% +10% +6% Organic constant currency Adjusted Diluted EPS Growth +5% (7)% +16% +10% +
Slide 130: Industry-leading through-cycle revenue growth
Track record of industry-leading through-cycle revenue growth Organic constant-currency revenue growth 13% 12% 12% 11% 9% 9% 9% 3% 3% 3% 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Steady growth, COVID and post- U.S. consumer Stabilizing low interest rates COVID lending recession backdrop Addi
Slide 131: Invested $5.5 billion over 5 years to transform the business
We invested $5.5 billion over 5 years to transform the business Acquisitions (Mexico) 2020 2021 2022 2023 2024 2025 2026 Cloud migration (Project Rise) Technology modernization (OneTru) Acquisition integration Operating model optimization Internal Programs © 2026 TransUnion, its subsidiaries and/or
Slide 132: Neustar was our most transformational investment
Neustar was our most transformational investment, creating significant value $325M Benefits to TransUnion $255M $70M Upside from $40M earnings OneTru as destination platform driving compounding, innovation and scale globally $100M technology $115M savings Marketing and Fraud growing high-single digi
Slide 133: Transformation positions us for scalable growth and compounding cash flow
Our transformation positions us for our next era – scalable growth and compounding cash flow Growth Industry-leading investments Balance sheet Innovation-led optimization Value Shareholder Creation Durable return Technology Operating model AI productivity modernization optimization © 2026 TransUnion
Slide 134: Reintroducing medium-term financial framework
Value Creation Reintroducing medium-term financial framework High-single digit ~50 basis points Low-to-mid teens organic revenue growth Adjusted EBITDA expansion Adjusted Diluted EPS growth Diversified across solutions, Expand margins while Includes benefit from verticals and geographies investing f
Slide 135: Innovation-led growth across solutions
Value Creation Innovation-led growth across solutions Credit Marketing Fraud Consumer Revenue growth High-single High-single High-single Mid-single target digit or greater digit or greater digit or greater digit or greater Core credit Identity 360 Identity Unified platform Drivers Alternative data A
Slide 136: Revenue growth outpacing underlying markets
Value Creation Attractive revenue growth outpacing underlying markets Growth targets by segment Drivers of outperformance U.S. Markets: New product introduction High-single digit Global diffusion of innovation Financial Services: High-single digit Emerging Verticals: High-single digit Wallet share g
Slide 137: Margin expansion from revenue growth and structural savings
Value Creation Margin expansion driven by revenue growth and structural savings Underlying margin expansion Drivers +50bps Adj. EBITDA 38.2% / year Revenue flow-through Margin ex FICO 37.1% 37.5% 35.8% mortgage royalty Tech migrations and operating model optimization Reported Adj. AI-driven producti
Slide 138: Additional structural savings from platforms and AI
Value Creation Additional structural savings expected by scaling platforms and deploying AI Scale platforms Deploy AI across platforms • OneTru across all geographies OneTru Assist • Funded in normal course to drive efficiencies Driving 25% to 30% productivity Solutions and accelerate innovation inc
Slide 139: Strong free cash flow and capacity for capital deployment
Value Creation Strong free cash flow and increased capacity for capital deployment Strong Free Cash Flow Optimized Balance Sheet Free cash flow as a percentage of ~$3 billion of Leverage Ratio Adjusted Net Income ~100% 90%+ 3.5x free cash flow + 2.6x <2.5x expected from ~60% 2026 to 2028 2019-2021 2
Slide 140: Accelerated capital deployment supporting EPS growth
Value Creation Accelerated capital deployment supporting low-to-mid teens Adjusted Diluted EPS growth ~$3B free cash flow expected Category Objective from 2026-2028 Shareholder • 10%-15% dividend payout ratio Increasing ~$1.1B bias going ~$1.0B returns • Repurchase shares forward ~$0.9B Balance • Gl
Slide 141: M&A approach aligned to growth strategy
Value Creation M&A approach aligned to growth strategy Strategic Focus for M&A Financial Considerations M&A is an important strategic tool, but M&A evaluated against all alternatives to strength of portfolio creates a high bar maximize long-term free cash flow per share • Transformation supports a g
Slide 142: Strong growth algorithm with sources of upside
Value Creation Strong growth algorithm with sources of upside Illustrative 2028F Adjusted Diluted EPS financial Upside not contemplated in $7.00+ framework assuming mortgage recovery “mortgage recovery” scenario $7.00+ Normalization of non-mortgage with mortgage recovery lending volumes Low-to-mid t
Slide 143: Positioned to deliver innovation-led and scalable growth
Positioned to deliver innovation-led and scalable growth 1 2 3 4 5 Foundational Interrelated Credit, Accelerated AI is an Compelling and differentiation – Marketing, Fraud innovation and accelerant, compounding proprietary data, and Consumer scalable growth enhancing earnings power OneTru and Soluti
Slide 144: Thank You
Thank You
Slide 145: © 2026 TransUnion, its subsidiaries and/or affiliates. All 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
Adjusted EBITDA and Adjusted EBITDA Margin © 2026 TransUnion, its subsidiaries and/or affiliates. All Rights Reserved. 147
Slide 148: Adjusted Net Income & Adjusted Diluted EPS
Adjusted Net Income & Adjusted Diluted EPS $ in millions, except per share data Years Ended December 31, 2025 2024 2023 2022 2021 Reconciliation of Net income attributable to TransUnion to Adjusted Net Income: Net income (loss) attributable to TransUnion $ 455.4 $ 284.4 $ (206.2) $ 266.3 $ 1,390.3 D
Slide 149: Adjusted Diluted EPS
Adjusted Diluted EPS $ in millions, except per share data Years Ended December 31, 2025 2024 2023 2022 2021 Reconciliation of Diluted earnings per share from Net income attributable to TransUnion to Adjusted Diluted Earnings per Share: Diluted earnings per common share from: Income (loss) attributab
Slide 150: Adjusted Effective Tax Rate
Adjusted Effective Tax Rate $ in millions Years Ended December 31, 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 527.0 633.1 1,005.0 536.8 369.4 Noncontrolling interest port
Slide 151: Leverage Ratio
Leverage Ratio $ in millions Years Ended December 31, 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 - (1,031.7) Income from continuing operations attributa
Slide 152: Non-GAAP Adjustment Footnotes
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 the following adjustments: $ in millions Years Ended December 31, 2025 2024 2023 2
Slide 153: Non-GAAP Adjustment Footnotes
Non-GAAP Adjustment Footnotes 3. Operating model optimization consisted of the following adjustments: $ in millions Years Ended December 31, 2025 2024 2023 2022 2021 Employee separation $ 6.8 $ 24.7 $ 35.8 $ - $ - Facility exit - 42.1 29.6 - - Business process optimization 25.5 28.0 5.2 - - Total op
Slide 154: Adjusted EBITDA and Adjusted EPS Guidance
Adjusted EBITDA and Adjusted EPS Guidance Year Ended $ in millions, except per share data December 31, 2026 High Guidance reconciliation of Net income attributable to TransUnion to Adjusted EBITDA: Net income attributable to TransUnion $ 553 Interest, taxes and depreciation and amortization 1,051 EB