Slide 1: TransUnion First Quarter 2021 Earnings
v v v TransUnion First Quarter 2021 Earnings Chris Cartwright, President and CEO Todd Cello, CFO
Slide 2: Forward-Looking Statement and Non-GAAP Financial Information
Forward-Looking Statement 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 and are subject to significant risks and uncertain
Slide 3: TransUnion’s unique market position
1 First quarter 2021 highlights TransUnion’s unique market position 2 and approach 3 First quarter 2021 financial results Second quarter and full year 4 2021 guidance © 2021 Trans Union LLC All Rights Reserved | 3
Slide 4: First Quarter 2021 Highlights
First Quarter 2021 Highlights • Significantly outperformed Q1 2021 guidance • Experienced broad improvement across most U.S. verticals and international markets – U.S. Markets: growth accelerated in Financial Services (ex. mortgage) and Emerging Verticals – Consumer Interactive: solid performance –
Slide 5: TransUnion's Unique Market Position and Approach
TransUnion’s Unique Market Position and Approach Innovator / attacker positions across our markets Proven and scalable enterprise growth playbook Powerful data assets Cutting-edge technology capabilities Culture of customer focus and partnership © 2021 Trans Union LLC All Rights Reserved | 5
Slide 6: Innovator / Attacker Positions Across our Markets
• Financial Services: established first-mover advantage with trended and alternative data as well as leading position with FinTech lenders Innovator / Attacker • Insurance: expanding into new use cases and Positions Across our customer adjacencies using data and analytics Markets • Media and Gaming
Slide 7: Proven and Scalable Enterprise Growth Playbook
• Established a replicable approach to client engagement, innovation and adjacencies Proven and Scalable • Allows TransUnion to deliver growth in Enterprise Growth excess of a given underlying vertical or Playbook geographic market • Enhanced efficacy of our Playbook through establishment of Global
Slide 8: Powerful Data Assets
• Strategically building an array of alternative data assets to serve core and high growth use cases, including: – Trended credit, payday and online short-term loans, consumer contributed data and income and Powerful Data Assets employment verification – Device-based fraudulent behavior information
Slide 9: Cutting-edge Technology Capabilities
• Proven track record of delivering on large- scale, complex technology initiatives to sustain our competitive advantage Cutting-edge Technology • Staying on the cutting edge of cloud computing and information security through Capabilities Project Rise, our multi-year technology evolution • Project
Slide 10: Culture of Customer Focus and Partnership
• Fostering a culture that is: – Customer-centric Culture of Customer – Humble, yet driven – Accountable Focus and – Collaborative Partnership • As a result of this culture, we have established a track record of winning in the marketplace, delivering superior results and attracting high-caliber tale
Slide 11: Growth Meaningfully Accelerated Throughout Q1 '21
Growth Meaningfully Accelerated Throughout Q1 ‘21 YoY Organic Constant Currency Revenue Growth Trends Results used to inform Q1 ‘21 growth meaningfully accelerated after 2021 Guidance 2021 Guidance was provided January February March Q1 2021 U.S. Markets +8% +10% +11% +10% Financial Services +13% +1
Slide 12: Consolidated Q1 2021 Highlights
Year-over-Year Change Revenue 8% Constant Currency Revenue 8% Consolidated Organic Revenue 8% Q1 2021 Organic Constant Currency Revenue 7% Highlights Adjusted EBITDA 14% Constant Currency Adjusted EBITDA 13% Organic Constant Currency Adjusted EBITDA 14% Adjusted Diluted EPS 25% Note: For additional
Slide 13: U.S. Markets Q1 2021 Financial Highlights
Inorganic Organic Constant Reported FX Impact Impact Currency U.S. Markets Revenue 11% — (1)% 10% Q1 2021 Financial Year-over-Year Services 14% — — 14% Financial Emerging 7% — (3)% 4% Verticals Highlights Adjusted 16% — 1% 17% EBITDA Note: Rows may not foot due to rounding. For additional informatio
Slide 14: Consumer Interactive Q1 2021 Financial Highlights
Consumer Inorganic Organic Constant Reported FX Impact Interactive Impact Currency Q1 2021 Revenue 3% — — 3% Year-over-Year Adjusted Financial 2% — — 2% EBITDA Highlights Note: For additional information, refer to the “Non-GAAP Financial Information” section on slide 2. © 2021 Trans Union LLC All Ri
Slide 15: International Q1 2021 Financial Highlights
Inorganic Organic Constant Reported FX Impact Impact Currency Revenue 5% (3)% — 3% International Canada 15% (6)% — 9% Q1 2021 Year-over-Year Latin America (1)% +6% — 5% Financial U.K. 3% (8)% — (5)% Highlights Africa (4)% (1)% — (5)% India 10% +1% — 11% Asia Pacific 6% (1)% — 5% Adjusted 19% (3)% —
Slide 16: TransUnion Has a Strong Balance Sheet and the Ability to Rapidly Build Cash
TransUnion Has a Strong Balance Sheet and the Ability to Rapidly Build Cash ($ in millions) $1,059 $1,083 $1,062 $1,051 $1,045 $1,082 7x $1,032 $996 $1,000 $953 $917 $864 6x $814 $800 $779 4.9x 5x • Ended Q1 with $433M of cash $600 • Pre-paid $85M of debt $400 4.5x 4x • Continued de-levering from mo
Slide 17: Q2 2021 Guidance
Q2 2021 Guidance Reported Revenue: $744M to $754M +17% to +19% Assumed M&A contribution: Slightly < 1pt. benefit Assumed FX contribution: ~2pt. benefit Organic Constant Currency Revenue: +15% to +16% Q2 2021 revenue guidance includes Adjusted EBITDA: $296M to $303M +22% to +25% ~2pt. mortgage headwi
Slide 18: FY 2021 Guidance
FY 2021 Guidance Reported Revenue: $2.949B to $2.992B +9% to +10% Assumed M&A contribution: ~0.5pt. benefit Assumed FX contribution: ~1pt. benefit • U.S. Markets up high-single-digits [up low- Organic Constant Currency Revenue: +7% to +9% double-digits ex. mortgage impact] Assumed Mortgage impact: ~
Slide 19: Delivered strong Q1 results and increased FY 2021 guidance
• Delivered strong Q1 results • Increased FY 2021 guidance based on significantly stronger macro trends • Leveraging differentiated portfolio and market positions to continue to drive best-in-class growth © 2021 Trans Union LLC All Rights Reserved | 19
Slide 20: Q&A
Q&A © 2021 Trans Union LLC All Rights Reserved | 20