Slide 1: First Quarter 2022 Earnings
First Quarter 2022 Earnings Chris Cartwright, President and CEO Todd Cello, CFO April 26, 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: Market commentary and first quarter 2022 highlights
1 Market commentary and first quarter 2022 highlights 2 Acquisitions update 3 First quarter 2022 financial results 4 Second quarter and full year 2022 guidance © 2022 TransUnion LLC All Rights Reserved | 3
Slide 4: Market Commentary
Market Commentary TransUnion offers a unique value proposition, particularly Rising rates impact lending, Rising inflation adds with recent acquisitions of particularly mortgage refi, uncertainty, but U.S. consumer Neustar, Sontiq and Verisk but overall health of the remains in a strong financial Fi
Slide 5: First Quarter 2022 Highlights
First Quarter 2022 Highlights Delivered another quarter of diversified growth Raising 2022 revenue guidance to 10%-12% (+13% organic revenue growth ex- organic revenue growth ex-mortgage, more mortgage), as innovative solutions continue to than offsetting increasing mortgage inquiry resonate across
Slide 6: Neustar Update
Provides real-time identity resolution through its OneID platform, powering a broad array of solutions Neustar Update ► 2021: $585M of revenue (~8% YoY organic growth) • Integrating OneID, which is proving even more at ~21% Adjusted EBITDA powerful than initially anticipated margins ► Q1 2022: 9% Yo
Slide 7: Sontiq Update
Provides solutions to help consumers and businesses protect against identity theft and cybercrime, including identity monitoring, Sontiq restoration, and breach response ► 2021: $87M of revenue (~18% YoY organic growth) Update at ~35% Adjusted EBITDA margins • Expanding go-to-market collaboration be
Slide 8: Verisk Financial Services Update
Provides authoritative and differentiated insights for credit/debit card accounts and demand/deposit accounts spending behavior Verisk Financial Services Update • Closed acquisition on April 8th ► 2022E Contribution: • Plan to retain Argus and Commerce Signals ($95M of ~$68M of revenues ($96M the $1
Slide 9: Consolidated Q1 2022 Highlights
Consolidated Q1 2022 Highlights Reported Y/Y ($M) Change Revenue $921 32% ►Organic constant currency Constant Currency Revenue 32% growth ex-mortgage of +13% Organic Constant Currency Revenue 8% ►Adjusted EBITDA margin of Adjusted EBITDA $334 20% 36.3%; excluding Neustar and Sontiq, organic Adjusted
Slide 10: U.S. Markets Q1 2022 Highlights
U.S. Markets Q1 2022 Highlights Reported Reported FX Inorganic Organic ►U.S. Markets organic growth Constant ex-mortgage of +15% ($M) Y/Y Impact Impact Currency ►U.S. Financial Services Revenue $600 42% — (35)% 7% organic growth ex-mortgage of +21%, led by FinTech and Financial Services 276 5% — — 5
Slide 11: Consumer Interactive Q1 2022 Highlights
Consumer Interactive Q1 2022 Highlights Organic Reported Reported FX Inorganic ($M) Y/Y Impact Impact Constant ►Direct and indirect channel Currency revenue both declined Revenue $150 15% — (17)% (3)% ►Normalizing demand for paid credit monitoring products following historically strong 2020-2021 Adj
Slide 12: International Q1 2022 Highlights
International Q1 2022 Highlights Organic Reported Reported FX Inorganic Constant ($M) Y/Y Impact Impact Currency ►Canada organic growth Revenue $191 15% 3% — 18% excluding impact of breach revenues last year +4% Canada 31 1% 0% — 1% Latin America 27 13% 4% — 17% ►UK organic growth excluding U.K. 56
Slide 13: TransUnion Has Shown a Consistent Ability to De-Lever via Adjusted EBITDA Growth
TransUnion Has Shown a Consistent Ability to De-Lever via Adjusted EBITDA Growth Net Debt / Adjusted EBITDA Ratio 4.8x 4.2x 3.9x 3.9x ~3.9x 3.4x 3.5x 3.5x ~3.6x 3.1x 3.2x 2.8x 2015 IPO 2015 2016 2017 2018 2019 2020 2021 Pro-Forma Pro-Forma Pro-Forma Pro-Forma 2021 Q1 2022 Q2 2022E 2022E • Roughly $6
Slide 14: Q2 2022 Guidance
Q2 2022 Guidance Reported Revenue: $958M to $968M +32% to +33% ► Revenue: Expecting another Assumed M&A contribution: ~27pt. benefit quarter of double-digit organic constant currency growth ex- Assumed FX contribution: ~(1)pt. headwind mortgage Organic Constant Currency Revenue: +6% to +7% Assumed M
Slide 15: FY 2022 Revenue Guidance
FY 2022 Revenue Guidance Reported Revenue: $3.850B to $3.900B +30% to +32% ► Revenue: Guidance raise Assumed M&A contribution: ~24pt. benefit driven by Q1 outperformance, increased organic growth Assumed FX contribution: Immaterial impact expectations for 2022, and Organic Constant Currency Revenue:
Slide 16: FY 2022 Adjusted EBITDA, Adjusted Diluted EPS and Other Guidance
FY 2022 Adjusted EBITDA, Adjusted Diluted EPS and Other Guidance ► Adjusted EBITDA: Increased Adjusted EBITDA: $1.405B to $1.440B +21% to +24% organic growth expectations Assumed FX contribution: Immaterial impact for 2022 and addition of VFS Adjusted EBITDA Margin 36.5% to 36.9% Adjusted EBITDA Mar
Slide 17: Delivered strong Q1 results powered by our enterprise growth
Delivered strong Q1 Raised FY 2022 guidance Further enhanced our results powered by our pointing to continued capabilities with Verisk enterprise growth positive momentum Financial Services strategy acquisition © 2022 TransUnion LLC All Rights Reserved | 17
Slide 18: Q&A
Q&A © 2022 TransUnion LLC All Rights Reserved | 18