Slide 1: Investor Day
2) TransUnion. Investor Day MARCH 15, 2022
Slide 2: Forward-Looking Statements
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 and are subject to significant risks and uncertai
Slide 3: Building from the Core to Accelerate the Next Generation of Growth
Building from the Core to Accelerate the Next Generation of Growth Chris Cartwright, President and CEO
Slide 4: Expanding our playbook for a new generation of growth
Expanding our playbook for a new 2022+ generation of growth 2019 Extend and accelerate enterprise growth potential 2015 Scaled and expanded franchise Extend vertical specialization and thought leadership globally Reinvigorated the core Leveraged enterprise products and Invested in vertical specializ
Slide 5: TransUnion benefits from favorable macro trends
TransUnion benefits from favorable macro trends New forms of credit Rise of digital commerce Demand for ID verification underwriting and data creating and engagement and fraud mitigation opportunity for consumers $500+ billion annual growth in digital ~12B connected devices growing 19% 2+ billion po
Slide 6: We outperform within our high growth geographies
We outperform within our high growth geographies Revenue and GDP growth is 2021 year-over-year United Kingdom Canada 2021 Revenue: $217M 2021 Revenue: $127M Revenue: 10% y/y Revenue: 10% y/y GDP: 7% y/y GDP: 5% y/y India 2021 Revenue: $133M United States Revenue: 33% y/y GDP: 8% y/y 2021 Revenue: $2
Slide 7: We have extended into three primary solution families
We have extended into three primary, high growth and complementary solution families to better serve customers Why we’re focused here… Credit / Large, growing markets with attractive Risk economics Complement and enhance our leading core credit position Clear right to win and lead through Consumer d
Slide 8: We create differentiation and outsized growth
We create differentiation and outsized growth by innovating within and across our solutions and verticals Primary Credit / Risk Marketing Fraud focus areas $25B+ TAM 7-9% CAGR $7B+ TAM 16-18% CAGR $18B+ TAM 10-12%CAGR Where we Credit reports, Credit-informed Scaled marketing started Credit monitorin
Slide 9: Our Enterprise Strategy
The strategy we employ to How we execute: achieve our vision: Our Differentiated solutions Enterprise Increase financial inclusion and business opportunity powered by authoritative Strategy data and analytics Enable safe, tailored Vision consumer experiences A global operating model through superior
Slide 10: Increase financial inclusion and business opportunity
Increase financial inclusion and business opportunity How we’ll get there Our aspiration Drive increased usage of trended data and attributes Accurately score and expand financial access for 1+ billion Continue to invest in and expand alternative credit data assets people, by enhancing existing scor
Slide 11: Enable safe, tailored consumer experiences
Enable safe, tailored consumer experiences through superior identity verification and targeting precision How we’ll get there Our aspiration Place consumer trust and data security at the center of all we develop Deliver market leading identity Deliver a fulsome view of the consumer by reliably conne
Slide 12: Extend from point solutions to broad platforms
Extend from point solutions to broad, configurable platforms that deliver insights and enable effective actions How we’ll get there Our aspiration Connect our vast array of data assets, analytics, and solutions leveraging our OneID platform Deliver “the best of TU” through platform-based solutions s
Slide 13: Investing in our global platforms
We’re investing in our global platforms to create scale and foster knowledge sharing across our business Ensures we build the “right thing” once and deploy across our 30+ Global Solutions global markets Delivers highest quality data, advanced analytics and robust identity Global Data & Analytics res
Slide 14: TransUnion will integrate its powerful capabilities
TransUnion will integrate its powerful capabilities to deliver market leading growth at scale Global enablement platforms What we’ll deliver Solutions Credit / Winning across key markets in Data and Analytics credit/risk, marketing and fraud Risk Technology through leading identity resolution, uniqu
Slide 15: Targets
$5+ billion Revenue 2025 $2+ billion Adjusted EBITDA Targets $6.00+ Adjusted Diluted EPS © 2022 TransUnion LLC All Rights Reserved | 15
Slide 16: Agenda
TU leader Our markets Steve Chaouki President, US and Consumer Interactive Jason Laky EVP, Financial Services Lindsey Downing SVP, Consumer Interactive Strategy Agenda Todd Skinner President, International Rajesh Kumar Managing Director, CEO of TransUnion CIBIL (India) Our capabilities Tim Martin EV
Slide 17: U.S. Markets and Consumer Interactive
U.S. Markets and Consumer Interactive Steve Chaouki, President, U.S. Markets and Consumer Interactive Jason Laky, EVP, Financial Services Lindsey Downing, SVP, Consumer Interactive Strategy and Sontiq Integration
Slide 18: Well-positioned to deliver long-term growth
U.S. Markets and Consumer Interactive are well-positioned to deliver long-term growth Significantly Unique positions Customer-centric Focused strategy increased within attractive go-to-market that allows us to capabilities and verticals approach serve our customers scope through and win regardless o
Slide 19: We've combined U.S. Markets and Consumer Interactive
We’ve combined U.S. Markets and Consumer Interactive while strengthening both U.S. Markets Consumer Interactive Core B2B business State-of-the-art identity protection serving a broad array business, relevant across our of vertical markets B2B and consumer markets U.S. Markets + Consumer Interactive
Slide 20: Financial Services vertical serves institutions
Financial Services vertical serves virtually every financial institution in the country What we do How we differentiate Deploy the full breadth of TU Industry-leading solutions like CreditVision®, TruValidateTM and Prama® solutions to virtually every: Groundbreaking, industry-focused • Bank research
Slide 21: Emerging Verticals provide growth and diversification
Emerging Verticals provide growth and portfolio diversification Vertical What we do How we differentiate Provide market-leading offerings, such as DriverRiskSM, Support insurers across policy lifecycle with National Driver Record Solution, trended credit-based risk Insurance marketing and underwriti
Slide 22: Consumer Interactive empowers consumers
Consumer Interactive empowers consumers to shape their financial futures and protect their identities What we do How we differentiate • Direct to consumer: Provide premium • Provide tailored credit education and advice consumer credit monitoring and identity to help consumers improve critical aspect
Slide 23: We're thought leaders and problem solvers
We’re thought leaders and problem solvers, helping our customers unlock new growth What we do How we do it Establish ourselves as experts • Vertically-organized general management team on the customers, industries • Sellers aligned by line-of-business and buyer and consumers we serve • Dedicated Res
Slide 24: We're at the forefront of credit inclusion
TransUnion is at the forefront of credit inclusion by enabling our customers to score more consumers CreditVision Alternative Data Over 3 billion non-traditional data records • Up to 30 months of account history collected on over 260 million Americans (95% of • Unique data fields, including actual p
Slide 25: CreditVision and CreditVision Link 2.0
CreditVision and CreditVision Link 2.0 continue to provide significant growth opportunities Current Penetration Growth Opportunities All mortgage resellers Increase penetration and adoption by large financial institutions 90% of FinTech customers Continue to drive momentum and penetration with credi
Slide 26: Identity verification and targeting precision
We improve identity verification and targeting precision to help enable safe, tailored consumer experiences Examples: Public Sector: Leverage TransUnion’s credit Financial Services, Insurance, Media: Deploy What and identity verification offerings to help over 9 accurate and customized audiences to
Slide 27: We enhance customer workflows through critical insights
We enhance customer workflows through critical insights that enable effective actions Examples: Financial Services, Telco: Enable the Insurance, Employment Screening: Deliver What future of credit prescreening with an an efficient platform for driving history we do efficient platform that excels in
Slide 28: Target
$4+ billion Revenue in U.S. Markets + 2025 Consumer Interactive Targets Financial Services: $1.35 billion Emerging Verticals: $1.9 billion Consumer Interactive: $800 million © 2022 TransUnion LLC All Rights Reserved | 28
Slide 29: Financial Services
Financial Services Jason Laky, EVP, Financial Services
Slide 30: Financial Services supports customers' continued growth
Financial Services supports customers’ continued growth by adapting to the evolving needs of digital-first consumers Line of Transformational Examples of TU’s Business Impact Unique Differentiation Empowering end-to-end, digital auto purchases with market insights, Auto Payment Shopper, auto credit
Slide 31: TransUnion Financial Services is a large, diversified vertical
TransUnion Financial Services is a large, diversified vertical 26% 24% 30% 28% 2021 Adjusted 2025 Forecast Revenue* of Revenue* of $1.08B $1.35B 18% 32% 18% 24% Card & Banking Consumer Lending Mortgage Auto *No Neustar nor Sontiq revenues are currently included in Financial Services vertical. Additi
Slide 32: Well-positioned to support lenders in a digital-first world
Financial Services is well-positioned to support lenders as consumers transition to “digital first” Emerging digital trends TransUnion differentiation Thought leadership The need to stay ahead of rapid changes in consumer behavior that began during the pandemic Insights on the evolving lending envir
Slide 33: Consumer Lending and FinTech leadership
In Consumer Lending, our innovation and FinTech leadership are driving outsized growth as the industry continues to evolve 27% 50% 25% 2021 personal loan 2021 Consumer Lending FinTech revenue growth originations in the US from revenue associated with in 2021 vs. 2019 FinTechs (vs. <1% in 2010) FinTe
Slide 34: Auto Payment Shopper
Auto Payment Shopper enables consumers to “shop by payment,” addressing a major challenge of digital auto retailing Auto Payment Shopper 6 in10 expands our presence in this channel by: Consumers want to secure financing Capturing growth in before visiting the prequal inquiries dealership Integrating
Slide 35: Planned acquisition of Verisk Financial
The planned acquisition of Verisk Financial is expected to enable an end-to-end “insights to actions to outcomes” platform Insights [Planned acquisition] • Identity validation (TruValidate) • Card & deposit transactions • TruAudience digital audiences • Proprietary account-linking IP • Digital Ident
Slide 36: Well-positioned to win regardless of market direction
Financial Services is well-positioned to win and deliver continued growth regardless of market direction and industry trends Omnichannel Best-in-class Identity customer acquisition Resolution and Fraud Prevention Enable customers to target the right consumers across key Help customers to protect the
Slide 37: Target
2025 $1.35 billion Target Revenue in Financial Services © 2022 TransUnion LLC All Rights Reserved | 37
Slide 38: Consumer Interactive
Consumer Interactive Lindsey Downing, SVP, Consumer Interactive Strategy and Sontiq Integration Lead
Slide 39: Acquiring Sontiq positions Consumer Interactive
Acquiring Sontiq positions Consumer Interactive as a leader in identity protection and security Combined Revenue Breakdown (CI + Sontiq) • Adds ~$90 million revenue, growing low- double- digits at ~40% adjusted EBITDA margins • Brings comprehensive identity protection and incident response capabilit
Slide 40: Sontiq plays in the identity protection market
Sontiq plays in the $4+ billion identity protection and security market Identity and Reputation Identity and Reputation Reputation Monitoring • Wide-ranging fraud management solutions to safeguard against Identity Transaction data breaches, ID theft and fraudulent transactions Monitoring Monitoring
Slide 41: Consumer credit and identity solutions
The combination of consumer credit and identity solutions serve a wide array of market needs Financial Health Identity and Reputation Digital Security and Wellness Management Empower consumers to Help consumers and businesses understand and improve critical safeguard against and remediate Protect co
Slide 42: Favorable macro trends drive demand
Favorable macro trends drive demand for our solutions New forms of credit Demand for ID underwriting and data creating Rise of digital commerce verification and fraud opportunity for consumers and engagement resolution Empowered consumers Today’s always-connected Consumers impacted by can manage and
Slide 43: Sontiq enables deeper penetration into verticals
Sontiq enables deeper penetration into existing and new verticals Financial Public Employee Insurance Services Sector Benefits Provide identity theft Add personal or commercial Provide comprehensive Offer identity theft and protection and resolution, cyber insurance to existing identity monitoring a
Slide 44: Target
2025 $800+ million Target Revenue in Consumer Interactive © 2022 TransUnion LLC All Rights Reserved | 44
Slide 45: International
International Todd Skinner, President, International Rajesh Kumar, Managing Director, CEO of TransUnion CIBIL (India)
Slide 46: Our International business is uniquely positioned
Our International business is uniquely positioned to serve our customers Strong footprint Trusted advisor Innovation leader Smart adjacencies Leading positions in Winning with our Leveraging best-in- Leading provider to exceptional mix of customers through class innovations groundbreaking emerging a
Slide 47: Market-leading positions across broad international portfolio
Market-leading positions across broad international portfolio Canada United Kingdom 2021 Revenue: 2021 Revenue: $127M $217M Latin America Asia Pacific 2021 Revenue: 2021 Revenue: $103M $63M Africa India 2021 Revenue: 2021 Revenue: $59M $133M © 2022 TransUnion LLC All Rights Reserved | 47
Slide 48: Large population and low credit penetration
Large population and low credit penetration provide opportunity in our emerging economies Developed markets (~$400M revenue) Population by Emerging markets (~$300M revenue) age group (in M) Total population (2022): 113M Total population (2022) 2B+ UK, Canada, Hong Kong 90+ India, Brazil, Philippines
Slide 49: Brazil bureau provides blueprint for global expansion
Brazil bureau provides blueprint for global expansion Launching our cloud-native bureau this year – First of its kind for TransUnion Attacking significant market opportunity – 3rd largest global CRA market ($1B) – 100M+ partial/no access to credit consumers Brazil Enabling similar organic growth opp
Slide 50: Recent acquisitions generate additional opportunities
Recent acquisitions generate additional opportunities [planned acquisition] Expansive identity-based product State-of-the-art identity protection “Full wallet” view of consumers to suite with deep penetration in business, relevant across our B2B help members increase financial complementary markets
Slide 51: Trusted advisor status creates value
Trusted advisor status creates value and superior outcomes Insight-driven engagements across the client lifecycle ENGAGE ACQUIRE MANAGE RECOVER Find and Minimize losses Grow portfolios Reduce delinquency attract new through better through better through better consumers decisioning intelligence prio
Slide 52: Innovation leader in credit and fraud
Innovation leader in credit and fraud; opportunities in marketing Affordability/Open Benchmarking Banking CreditVision Link Credit/ Shareable Risk CreditVision Buy Now Pay Later Credit-based Digital onboarding Consumer marketing Identity Fraud analytics Digital marketing Fraud Marketing Identity pro
Slide 53: Substantial growth and expansion opportunities in adjacencies
Substantial growth and expansion opportunities in adjacencies Insurance • Accelerate growth beyond property and casualty insurance • Enable digital transformation with fraud and identity Consumer • Scale IP with CreditView, Breach and Aggregators Interactive • Drive enhancements to optimize direct-t
Slide 54: UK
UK © 2022 TransUnion LLC All Rights Reserved | 54
Slide 55: TransUnion UK benefits from unique market position
TransUnion UK benefits from unique market position and innovative solution suite Attractive market dynamics Financial inclusion Second largest CRA market ($1B+) with 4.5M users of Open Banking in UK; continued growth of consumer credit 60% y/y growth Progressive regulation driving 17M (35%) of UK ad
Slide 56: Driving global strategy through market-focused solutions
Driving global strategy through market-focused solutions New forms of credit underwriting and data creating Rise of digital commerce Demands for ID verification opportunity for consumers and engagement and fraud mitigation • Accelerate Open Banking • Leverage investment in • Scale TruValidate and da
Slide 57: Targets
$300+ million 2025 Revenue in UK Targets 9%+ CAGR © 2022 TransUnion LLC All Rights Reserved | 57
Slide 58: India
INDIA © 2022 TransUnion LLC All Rights Reserved | 58
Slide 59: Leadership position in one of the most attractive global markets
Leadership position in one of the most attractive global markets The fastest growing major economy Market leading credit bureau #6 GDP globally — with highest growth TU CIBIL household brand — 20+ years rate and rapid digitization history, synonymous with credit score Government driving financial in
Slide 60: Attractive demographic trends and increasingly digital economy
Attractive demographic trends and increasingly digital economy Attractive market dynamics Financial inclusion Large, young population — 840M Government building public <35Y old (60% of population) infrastructure to drive financial inclusion 190M credit-active individuals — 55% Credit-to-GDP ratio, s
Slide 61: Driving global strategy through India-focused solutions
Driving global strategy through India-focused solutions Enable safe, tailored consumer Extend our role in client Increase financial inclusion experiences through superior workflows from point solutions and business opportunity identity verification and to broad configurable platforms targeting preci
Slide 62: Targets
$300+ million Revenue in India 2025 Targets 20%+ CAGR © 2022 TransUnion LLC All Rights Reserved | 62
Slide 63: UK and India will provide the foundation for our growth story
UK and India will provide the foundation for our growth story UK India Growth Story $1B+ addressable market across credit and fraud 55% Credit-to-GDP ratio with significant headroom 17M (35% of UK adults) using BNPL products 840M population under 35 (60% of population) Utilization of customer-centri
Slide 64: Our ambitious strategy extends to all our markets
Our ambitious strategy extends to all our markets Canada Latin America Africa Asia Pacific Growth Story Extend to neo credit data, such Enrich financial inclusion Improve scoring for ~33M Enable access to formal credit as rental and subscription solutions for rising middle class credit-invisible con
Slide 65: Our growth story builds on our enterprise strategy
Our growth story builds on our enterprise strategy Strong footprint Trusted advisor Innovation leader Smart adjacencies Strategic pillars Enable safe, tailored consumer Extend our role in client workflows Increase financial inclusion and experiences through superior from point solutions to broad, bu
Slide 66: Target 2025 Revenue in International
2025 $1+ billion Revenue in International Target © 2022 TransUnion LLC All Rights Reserved | 66
Slide 67: Investor Day Break
Investor Day Break MARCH 15, 2022
Slide 68: Global Solutions
Global Solutions Tim Martin, Chief Global Solutions Officer
Slide 69: We've extended beyond credit solutions
Credit/ Risk We’ve extended beyond credit solutions… Consumer into high-growth and identity complementary solution families Fraud Marketing © 2022 TransUnion LLC All Rights Reserved | 69
Slide 70: Global Enablement Platforms
Global Solutions is the enablement platform focused on the product management and global scalability of our solutions U.S. Markets International Markets (Steve Chaouki) (Todd Skinner) Global Enablement Platforms Global Solutions (Tim Martin) Global Data & Analytics (Venkat Achanta) Global Technology
Slide 71: We're executing the playbook
We’re executing the playbook that led to our vertical growth, but are now focused on product expertise and specialization International Verticals 30+ markets Financial Services Insurance Public Sector Media Other Verticals Credit/Risk Solutions Marketing Fraud Other solutions © 2022 TransUnion LLC A
Slide 72: We're organized into solutions families
We’re organized into solutions families — with domain experts driving global product efficacy, innovation and scale TransUnion Global Solutions Organization Credit/Risk Consumer Fraud Marketing Specialized Risk Communication • Core credit • Identity • Omnichannel • Omnichannel • TLOxp® • Trusted Cal
Slide 73: The expertise of the Global Solutions families
The expertise and insights of the Global Solutions families promote confidence in the strategic fit and value of our acquisitions TU Acquisitions by Global Solutions Organization Credit/Risk Consumer Fraud Marketing Specialized Risk Communication [Planned acquisition] © 2022 TransUnion LLC All Right
Slide 74: Global Solutions enables a build once roadmap
Global Solutions enables a “build once, use many” roadmap for growth based in strong product management and innovation Key roadmap items by Global Solutions Organization Credit/Risk Consumer Fraud Marketing Specialized Risk Communication • BNPL • Identity protection • Global fraud • Consumer • Incre
Slide 75: Our Global Fraud Solutions roadmap is clear
Our Global Fraud Solutions roadmap is clear, compelling and keeps us a best-in-class player in this market Next generation of TransUnion Fraud Solutions Data Linking and Fraud Management The “Right” Point Analytics Platform Solutions Unique trust insights from integrated, Comprehensive fraud managem
Slide 76: Global Solutions enables a build once roadmap
Global Solutions enables a “build once, use many” roadmap for growth based in strong product management and innovation Key roadmap items by Global Solutions Organization Credit/Risk Consumer Fraud Marketing Specialized Risk Communication • BNPL • Identity • Global fraud • Consumer • Incremental iden
Slide 77: Marketing Solutions
Marketing Solutions Matt Spiegel, EVP, Media & Entertainment vertical
Slide 78: Scaling Marketing Solutions with critical capabilities
Scaling Marketing Solutions with critical capabilities through acquisitions + + + Marketing Solutions 2019 2020 2021 Individual and household SaaS platform for Streaming media Automation of identity identity intelligence segment creation ID and data resolution Data science and Expanded client base C
Slide 79: TransUnion provides data-driven marketing capabilities
… And TransUnion provides data-driven capabilities that help resolve challenges How can I attribute purchasing Who are my best How do I target my best What media partners will behavior to specific marketing customers? customers/ prospects? reach my targeted segments? investments? Build and Target Me
Slide 80: Marketing solutions are built on a robust view of people
TransUnion Marketing solutions are built on an actionable and robust view of people 50+ year legacy of trust and data governance other data-driven MarTech companies cannot replicate Identity Audience Analytics Coverage: Proprietary identity graph Speed: Machine learning and easy-to- Measurement: Mea
Slide 81: Helping a Large Retailer better leverage their data
Helping a Large Retailer better leverage their data Marketing With a mission to better leverage its own valuable data assets to improve the effectiveness of ~$1B in Challenge marketing programs, this retailer struggled with data that lived in many different tools — and therefore was unlinked and unu
Slide 82: Helping a Large Retailer better leverage their data
Helping a Large Retailer better leverage their data Marketing With a mission to better leverage its own valuable data assets to improve the effectiveness of ~$1B in Challenge marketing programs, this retailer struggled with data that lived in many different tools — and therefore was unlinked and unu
Slide 83: Helping a Large Retailer better leverage their data
Helping a Large Retailer better leverage their data Marketing With a mission to better leverage its own valuable data assets to improve the effectiveness of ~$1B in Challenge marketing programs, this retailer struggled with data that lived in many different tools — and therefore was unlinked and unu
Slide 84: Helping a Large Retailer better leverage their data
Helping a Large Retailer better leverage their data Marketing With a mission to better leverage its own valuable data assets to improve the effectiveness of ~$1B in Challenge marketing programs, this retailer struggled with data that lived in many different tools — and therefore was unlinked and unu
Slide 85: We are solving a number of problems for large marketers
We are solving a number of problems for large marketers & content companies Customer Type Customer Challenge TransUnion Solutions Streaming Little data is collected at registration — limiting Mapping against digital identity signals, TransUnion ability to provide content recommendations and appends
Slide 86: Why We'll Win
Why We’ll Win Solving for the future of data-driven marketing excellence with integrity, speed and scale 1 A 3D view of identity across individuals, households and devices — with scalable and inter-connected identity management infrastructure 50+ year legacy of trust and data governance other data-d
Slide 87: OneID
OneID Venkat Achanta, Chief Global Data and Analytics Officer
Slide 88: Global Data and Analytics Enablement Platform
Global Data and Analytics Enablement Platform Deliver highest data quality using innovative data science to differentiate every product and solution Manage best identity resolution platform in the industry with scale and superior accuracy Apply privacy preserving technologies to develop the best cle
Slide 89: Identity
Identity Knowing who or what is on the end of an interaction Identity Enabling trust and driving Trust commerce today Commerce © 2022 TransUnion LLC All Rights Reserved | 89
Slide 90: Solving identity is challenging
Solving identity is … but critical in challenging… today’s digital world. Scale and accuracy across Reaching target customers in an 1 offline and online is critical evolving, digital marketing landscape 2 Data volume and complexity is growing Delivering exceptional customer experiences while protect
Slide 91: OneID is a best-in-class identity resolution platform
OneID is a best-in-class identity resolution platform OneID links identity fragments about people, devices and locations across both online and offline worlds, creating an actionable view of identity while maintaining privacy compliance, and enabling us to solve complex customer problems in real tim
Slide 92: OneID is differentiated in today's marketplace
OneID is differentiated in today’s marketplace Unique Differentiated insights derived from proprietary data inputs and insights feedback loop created by solutions and data corroboration Unique approach to identity resolution mitigates reliance Built for on any single identifier — enabling market-bes
Slide 93: OneID powers customer use cases
With robust identity capabilities, OneID powers customer use cases within multiple solutions Solution Identity use case Identity enables… And prevents… Companies to target Advertisers from wasting Marketing Marketing effectiveness attractive customers ad spend on sub-optimal receptive to their brand
Slide 94: OneID's orchestration capabilities enable innovation
OneID’s orchestration capabilities enable innovation at a market-leading pace Onboard new data sources Operationalize new data into Rapidly productize and and types seamlessly OneID’s core identity graph deliver OneID outputs + + Advanced artificial intelligence Best-in-class identity resolution Nex
Slide 95: With OneID, we are poised to
Product suite enhancement Combine TransUnion’s superior data + OneID platform to create leverage for With OneID, existing products we are poised to: Product innovation Deploy OneID as a backbone for innovating to solve existing and emerging identity Solve emerging identity challenges challenges Mark
Slide 96: Global Technology
Global Technology Abhi Dhar, EVP, Chief Information and Technology Officer
Slide 97: Our journey to a global technology platform
Our journey to a global technology enablement platform Directing engineering talent towards building customer value Building the foundation for a global technology platform Reengineered and enhanced core technology while growing 2022+ 2020-2021 2015 • Creating a product engineering structure that al
Slide 98: Critical elements to deliver our platform
Critical elements to deliver our global technology enablement platform Hardware Software Operating Digital Associate + Cloud Model Experience State-of-the art Market-facing solutions, A consistent global model Friction-less, consumer- technology environment such as an International for predictable,
Slide 99: The global technology platform is hardware + software
The global technology platform is hardware + software to enable innovation around services and solutions while increasing efficiency A State of the Art Infrastructure Global Bureau Platform, Fraud Solutions, Marketing Solutions with a common software stack to: The Global Technology Pursue growth whi
Slide 100: We'll operate as two product engineering lines
We’ll operate as two product engineering lines to accelerate time to market and avoid engineering disruptions Global Technology Operating Model Benefits Customers • Faster time to market: two product line approach enables developers to focus Product Line: Credit Product Line: Non-credit on creating
Slide 101: Our technology transformation is changing how we work
Our technology transformation is changing how we work and deliver The essence of a technology organization is the people. Talent is the true lever that generates value when building technology. Technology organizations are made of 70% People Wage inflation and Rising costs from Increased regulation
Slide 102: Digital associate experience
Digital associate experience: Making it easy for TransUnion associates to work anywhere From: Today: To: Primary: Work at Office 100% Remote Flexible / Hybrid A consumer grade integrated empower modern toolset allows associates to be faster focused productive in a hybrid frictionless productive work
Slide 103: The benefits of a global technology platform
The benefits of a global technology enablement platform World-class technology Reliable, secure and Talent focused on delivering in all markets efficient technology operations market value • Hybrid multi-cloud infrastructure to • Two product engineering teams • Engineers focused on new manage our en
Slide 104: Global Operations
Global Operations Dane Mauldin, EVP, Chief Operations Officer
Slide 105: We've created a global operating platform
We’ve created a global operating platform designed for global scalability and local considerations Global Operations supports three key areas Customer and Efficiency and Risk 1 Consumer 2 Effectiveness 3 Management Experiences • Delivering high-quality product • Optimizing business processes • Prote
Slide 106: Global Operations has delivered significant progress
Global Operations has delivered significant progress toward our future state design Inception (2019) 2022 and Beyond Leverage our Global Capability Geography Primarily US-focused Centers (GCCs) to centralize operational activities for the enterprise Primary focus on Financial Expand into adjacent ve
Slide 107: Global Capability Centers play a key role
Global Capability Centers play a key role in optimizing large- scale activities Network of GCCs with ~2,000 • Preventing single point of failure, minimizing country risk and offering global scalability Description associates across Chennai, Pune, • Accelerating our business transformation and innova
Slide 108: Global Operations is delivering meaningful value
As a result, Global Operations is delivering meaningful value to TransUnion Customer & Consumer Benefits Organizational Benefits Financial Benefits Shorter turnaround times and Access to specialized talent to Significant cost savings fewer error rates using support markets, functions, and through co
Slide 109: Talent
Talent Susan Muigai, Chief Human Resources Officer
Slide 110: We're growing and diversifying our business
We’re growing and diversifying our business, and our people are adapting and embracing change Since Dec. 2018 Europe Canada 1,108 (▼1%) 333 (▲ 12%) 50% headcount growth US 4,693 (▲ 34%) Total Headcount 10,240 (▲50%) Five acquisitions LATAM 793 (▲ 83%) APAC 214 (▲ 16%) ▲ 6% of headcount outside US Br
Slide 111: Well-rounded value proposition for top-tier talent
We offer a well-rounded value proposition that attracts, retains and develops top-tier talent Retain Develop Retaining and attracting top talent through Equipping our people with the an inclusive culture, competitive rewards skills needed to lead us into the and opportunities for growth future Suppo
Slide 112: We attract and retain top talent
Retain Develop Support Include We attract and retain top talent through an inclusive culture, competitive rewards and opportunities for growth A well-rounded Career value proposition Opportunities Meaningful and impactful work 1,400+ 200+ 1,000+ Flexible ways of working and an ongoing focus on welln
Slide 113: We equip our people with the skills needed
Retain Develop Support Include We equip our people with the skills needed to lead us into the future Investing in resources to upskill Providing a blueprint for the future our technology associates of learning at TransUnion Content that is… Online Cloud training training platform portal Digitally En
Slide 114: We remain invested in our people and communities
Retain Develop Support Include We remain invested in our people and our communities Financial Inclusion Diversity, Equity & Inclusion Social Customer Community Supplier Talent attraction Workforce impact partnerships partnerships diversity & employee diversity & solutions & programs wellbeing belong
Slide 115: We're building a leadership team and workforce
Retain Develop Support Include We’re building a leadership team and workforce that reflects the diversity of the communities we serve Enterprise Senior Leaders (VP+) Technology & Analytics Jobs Global 40% 32% 28% Gender Female Female Female ▲ 0% ▲ 2% ▲ 2% 18% 12% 15% Black or Black or Black or US 40
Slide 116: Our associates know our future is bright
Our associates know our future is bright Awards Built-In 2022 Human Rights Dave Thomas Top Employer 2022 Hamilton-Niagara's CloudBees 2021 Best Large Companies Campaign 2022 Best Foundation 2021 Top South Africa Top Employer for DevOps rising star to Work For Places to Work for 100 Best Adoption- 20
Slide 117: Financial Outcome
Financial Outcome Todd Cello, Chief Financial Officer
Slide 118: Since 2019, we've outperformed targets
Since 2019, we’ve outperformed revenue and Adjusted Diluted EPS targets while investing for growth What we said in 2019 How we did 2019 2020 2021 Avg. +7% organic CC revenue growth/year t +10% +3% +13% +8.5% +50 bps Adjusted EBITDA 39.1% 37.7% 39.1% margin/year +70bps (140bps) +140bps +20bps Double-
Slide 119: 2022 to 2025 Financial Outlook
2022 to 2025 Financial Outlook 2022 2023-2025* Organic constant currency revenue growth +5.5%–7.5% +8%–10% Excluding mortgage t +9%–11% +9%–10% (170)– Adjusted EBITDA margin (210)bps +100 bps/year Adjusted Diluted EPS growth** +12%–16% +15%/year *2023-25 outlooks are annual averages. **Adjusted Dilu
Slide 120: 2022 Segment revenue growth outlook
2022 Segment revenue growth outlook U.S. Markets Mid-single-digit, organic constant currency growth (Low-teens ex-mortgage) Financial Services: Mid-single-digit growth (Mid-teens ex-mortgage) Emerging Verticals: Low-double-digit growth Consumer Interactive: Mid-single-digit revenue growth Consumer I
Slide 121: 2023 to 2025 Segment revenue growth outlook
2023 to 2025 Segment revenue growth outlook U.S. Markets High-single-digit, organic constant currency growth (Low-double-digit ex-mortgage) Financial Services: Mid-single-digit growth (High-single digit ex-mortgage) Emerging Verticals: Low-double-digit growth Consumer Interactive: Mid-single-digit r
Slide 122: We expect to deliver $5+ billion of revenue
We expect to deliver $5+ billion of revenue in 2025 Consumer Consumer Interactive Interactive ~$800M Financial $546M Services Financial ~$1,350M U.S. Markets and $2.3B Services $4B+ $1,079M Consumer Interactive Emerging Verticals $712M Emerging Verticals ~$1,900M 2021 2025 ~$3 billion revenues $5+ b
Slide 123: M&A has played a key role in TransUnion's evolution
M&A has played a key role in TransUnion’s evolution over the last decade Acquisitions 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 [Planned acquisition] * *In 2014, TransUnion increased stake in CIBIL to 55% interest. The company has © 2022 TransUnion LLC All Rights Reserved | 123 subsequently
Slide 124: Track record of delivering value with acquisitions
We have a track record of delivering significant value with our largest acquisitions Acquisition Date: Successes: Acquisition Date: Successes: June 2018 July 2018 • New wins in FinTech and gaming • Integrated iovation’s device-based Purchase Price: vertical; strong momentum with Purchase Price: inte
Slide 125: Organic margin expansion provides path to margins
Organic margin expansion and Neustar scaling provides path to expected 40%+ Adjusted EBITDA margins by 2025 Adjusted EBITDA margin Path to 40%+ margins by 2025: Underlying margin of ~41% • Operating leverage plus Underlying margin* operational efficiencies 40%+ 39.1% approaching 40%; Neustar scaling
Slide 126: Operating performance is expected to drive cash generation
Operating performance is expected to drive robust cash generation Free cash flow By 2025: $3+ billion of FCF ~$2,700M generation from 2022 to 2025 + $535M ~$535M* Natural De-Levering from Adjusted EBITDA growth 2021 2022 2023 - 2025 = FCF as % of Adjusted Net ~80% ~70% ~90% ~$5 billion in capital In
Slide 127: We have significant flexibility for capital deployment
We have significant flexibility for capital deployment Priorities for cash deployment 1 2 3 4 5 Pay a Continue to Seek out Prepay debt to Retain the dividend of fund our best additional maintain option to 10–15% of internal growth strategic M&A balance sheet repurchase Adjusted Net opportunities fle
Slide 128: TransUnion is a great long-term investment
TransUnion is a great long-term investment We have substantial opportunities to deliver strong performance in the future Option 1 – more CFO oriented Proven track record Recent acquisitions World-class Free cash flow and repeatable complement the core, operating model to generation provides strategy
Slide 129: Targets
$5+ billion Revenue 2025 $2+ billion Adjusted EBITDA Targets $6.00+ Adjusted Diluted EPS © 2022 TransUnion LLC All Rights Reserved | 129
Slide 130: Investor Day
2) TransUnion. Investor Day MARCH 15, 2022