This session and the accompanying presentation materials may be accessed atwww.transunion.com/tru. Delivered another quarter of revenue growth with an attractive margin, and benefited from marketplace success as well as continued economic recovery in most markets. TransUnion insights Based on 105 survey responses What people like Clear sense of purpose Ability to meet personal goals Time and location flexibility Areas for improvement Sense of belonging General feeling of work happiness Energizing work tasks The benefits were great Administrator II (Former Employee) - 555 West Adams - August 2, 2022 The extent to which COVID-19 impacts our business and results of operations continues to be inherently uncertain and will depend on numerous evolving factors that we may not be able to accurately predict. Canada revenue was $29 million, an increase of 4 percent (2 percent on a constant currency basis) compared with the fourth quarter of 2019. TransUnions TLOxpskip tracing, investigative research and risk management. As a result of displaying amounts in millions, rounding differences may exist in the table above. Tax rates used to calculate the tax expense impact are based on the nature of each item. Beginning in the third quarter of 2019, we no longer have these adjustments to revenue. Actual results may differ materially from those described in the forward-looking statements. Target your marketing efforts more precisely to drive growth. Before the pandemic, this group Constant Currency (CC) growth rates assume foreign currency exchange rates are consistent between years. See More Ecosystem Guides. Represents expenses associated with our accelerated technology investment. Cover the complete customer acquisition cycle. TRANSUNION AND SUBSIDIARIESConsolidated Statements of Cash Flows (Unaudited)(in millions), SCHEDULE 1TRANSUNION AND SUBSIDIARIESRevenue, Adjusted Revenue, and Adjusted EBITDA growth rates as Reported, CC, Inorganic, Organic and Organic CC (Unaudited), SCHEDULE 2TRANSUNION AND SUBSIDIARIESConsolidated and Segment Revenue, Adjusted Revenue, Adjusted EBITDA, and Adjusted EBITDA Margins (Unaudited)(dollars in millions). India revenue was $24 million, a decrease of 13 percent (8 percent on a constant currency basis) compared with the third quarter of 2019. Adjusted Net Income was $156 million for the quarter, compared with$146 million for the third quarter of 2019. Beginning in the third quarter of 2019, we no longer have these adjustments to revenue. SCHEDULE 3TRANSUNION AND SUBSIDIARIESAdjusted Net Income and Adjusted Earnings Per Share (Unaudited)(in millions, except per share data). These adjustments include the same adjustments we make to our Adjusted Revenue, Adjusted EBITDA and Adjusted Net Income as discussed in the Non-GAAP Financial Measures section of our Earnings Release. This earnings release also presents Adjusted Revenue, Adjusted EBITDA, Adjusted EBITDA Margin, Adjusted Effective Tax Rate, Adjusted Net Income (Loss) and Adjusted Diluted Earnings per Share for all periods presented. The combination of TransUnions powerful digital identity assets and Neustars distinctive data and identity resolution capabilities presents enormous opportunities ahead.. Africa revenue was $13 million, a decrease of 19 percent (13 percent on a constant currency basis) compared with the fourth quarter of 2019. Neustars security business, Neustar Security Services, is excluded from the transaction and now operates as a standalone portfolio company of Golden Gate Capital and GIC. Eliminates the impact of excess tax benefits for share compensation. Adjusted Diluted Earnings per Share is expected to be between $3.16 and $3.31, an increase of 5 to 10 percent. As a result of displaying amounts in millions, rounding differences may exist in the table above. -, North American Morning Briefing: Investors Return -3-, Wells Fargo Upgrades TransUnion to Overweight From Equalweight, Price Target is $88, TransUnion Announces Earnings Release Date for Fourth Quarter 2022 Results. Excluding the impact of the revenue from the divestment of assets held for sale, revenue would have increased 5 percent (2 percent on a constant currency basis) compared with the fourth quarter of 2019. TransUnion | LayOff.site. Accordingly, the Company encourages investors, the media and others interested in TransUnion to review the information that it shares onwww.transunion.com/tru. Net income attributable to TransUnion was $343 million for the year, compared with $347 million for 2019. Adjusted Outlook: For 2021, Adjusted EBITDA is expected to be between $1.083 billion and $1.121 billion, an increase of 4 to 7 percent compared with 2020. transunion layoffs 2020. transunion layoffs 2020richard perez comedian. Asia Pacific revenue was $16 million, a decrease of 6 percent (8 percent on a constant currency basis) compared with the fourth quarter of 2019. Cash and cash equivalents were $554 million at September30, 2020 and $274 million at December31, 2019. Cash used in financing activities was $110 million compared with $373 million in 2019. Business performance continues to benefit from re E-mail:Investor.Relations@transunion.com, Consolidated Statements of Income (Unaudited). These financial measures should be reviewed in conjunction with the relevant GAAP financial measures and are not presented as alternative measures of GAAP. We call this Information for Good. We undertake no obligation to publicly release the result of any revisions to these forward-looking statements to reflect the impact of events or circumstances that may arise after the date of this earnings release. Diluted earnings per share is expected to be between $1.67 and $1.73, a decrease of 4 to 8 percent. The revenue growth includes approximately 0.5 percent of benefit from acquisitions and 1 percent of benefit from foreign exchange rates. and RBC Capital Markets who acted as joint arrangers for TransUnion. We seek to add meaningful value to our investments. The Adjusted EBITDA growth rates include approximately 1 percent of benefit from foreign exchange rates. TransUnion Should Be Able to Increase Revenue Even Amid Sector Headwinds, Morgan Stanle.. Stellex Capital Management LLC Acquires G2, LCI, and Fintellix. For the three months ended December 31, 2020, consisted of the following adjustments: a $(1.9) million gain from currency remeasurement of our foreign operations; a $(0.4) million recovery from the Fraud Incident (as defined in our Annual Report on Form 10-K for the year ended December 31, 2019), net of additional administrative expenses; $0.9 million of deferred loan fees written off as a result of the prepayments on our debt; $0.4 million of loan fees; and $0.1 million other.For the twelve months ended December 31, 2020, consisted of the following adjustments: $34.7 million for certain legal expenses; $1.6 million of loan fees; $0.9 million of deferred loan fees written off as a result of the prepayments on our debt; $0.2 million loss from currency remeasurement of our foreign operations; $0.2 million of fees related to our new swap agreements; a $(1.5) million recovery from the Fraud Incident, net of additional administrative expense; $(0.4) million reimbursement of fees associated with the refinancing of our Senior Secured Credit Facility; and $(0.2) million of other.For the three months ended December 31, 2019, consisted of the following adjustments: $13.0 million of fees related to the refinancing of our Senior Secured Credit Facility; $1.2 million of administrative expenses associated with the Fraud Incident offset by the $(0.3) million portion that is attributable to the non-controlling interest; $0.5 million of loan fees; $0.5 million of deferred loan fees written off as a result of the prepayments on our debt; a $(1.7) million gain from currency remeasurement; and a $(0.7) million reduction to expense for certain legal and regulatory matters.For the twelve months ended December 31, 2019, consisted of the following adjustments: $20.8 million of expenses (including $3.0 million of administrative expenses) associated with the Fraud Incident offset by the $(7.3) million portion that is attributable to the non-controlling interest; $13.0 million of fees related to the refinancing of Senior Secured Credit Facility; $2.0 million of deferred loan fees written off as a result of the prepayments on our debt; $2.0 million of loan fees; a $0.1 million loss from currency remeasurement; a $(0.7) million reduction to expense for certain legal and regulatory matters; and $(0.1) million of miscellaneous. Eliminates impact of state and foreign tax rate changes on deferred taxes, valuation allowances on foreign net operating losses, capital losses and foreign tax credits and other discrete adjustments. Serious delinquency rates increased slightly by 15 basis points (bps) in Q4 2020 on a quarterly basis, though remained 78 bps lower than Q4 2019. TransUnion achieved third quarter 2020 results in line with its Upside Case as provided in its scenario-based outlook. As a result, businesses and consumers can transact with confidence and achieve great things. Many of these factors are beyond our control. These statements are based on the current beliefs and expectations of TransUnions management and are subject to significant risks and uncertainties. Diluted earnings per share was $0.53, compared with $0.43 for the fourth quarter of 2019. The decrease in cash used in financing activities was due primarily to debt prepayments made in 2019. Adjusted Outlook: For the first quarter of 2021, Adjusted EBITDA is expected to be between $268 million and $275 million, an increase of 2 to 4 percent compared with 2020. As a result, businesses and consumers can transact with confidence and achieve great things. Morgan Stanley Upgrades TransUnion to Overweight From Equalweight, Adjusts Price Target.. Trade accounts receivable, net of allowance of $25.3 and $19.0, Property, plant and equipment, net of accumulated depreciation and amortization of $520.5 and $454.4, Other intangibles, net of accumulated amortization of $1,660.8 and $1,482.1, Short-term debt and current portion of long-term debt, Common stock, $0.01 par value; 1.0 billion shares authorized at September 30, 2020 and December 31, 2019, 195.5 million and 193.5 million shares issued at September 30, 2020 and December31, 2019, respectively, and 190.3 million shares and 188.7 million shares outstanding as of September 30, 2020 and December31, 2019, respectively, Treasury stock at cost; 5.2 million and 4.8million shares at September 30, 2020 and December31, 2019, respectively, Cost of services (exclusive of depreciation and amortization below), Income from continuing operations attributable to TransUnion, Add: loss from discontinued operations, net of tax. President, Chief Executive Officer & Director, Chief Financial Officer & Executive Vice President, Chief Information & Technology Officer, EVP. The decrease in cash used in financing activities was due primarily to a decrease in debt prepayments of $150 million in 2020 compared with $340 million in 2019. Unemployment rose by 1.5 million in March, with a large increase in the number of job losers on temporary layoffthat is, those who were given a date to return to work or expected to return to work within 6 months. Organic growth rate is the reported growth rate less the inorganic growth rate. Deferred revenue results when a company receives payment in advance of fulfilling their performance obligations under contracts. Adjusted Outlook: For 2020, Adjusted Revenue is expected to be between $2.696 billion and $2.715 billion, an increase of 1 to 2 percent compared with 2019. /. Investors and others should note that TransUnion routinely announces material information to investors and the marketplace using SEC filings, press releases, public conference calls, webcasts and the TransUnion Investor Relations website. There can be no assurance that the Company will achieve the results expressed by this guidance. The above definitions apply to our calculations for the periods shown on Schedules 1 through 6. Organic growth rate is the reported growth rate less the inorganic growth rate. U.S. Markets revenue was $431 million, an increase of 4 percent (3 percent on an organic basis) compared with the fourth quarter of 2019. The fair value of this deferred revenue is determined based on the direct and indirect incremental costs of fulfilling our performance obligations under these contracts, plus a normal profit margin. Capital expenditures were $132 million in both periods. Adjusted Net Income was $153 million for the quarter, compared with$144 million for the fourth quarter of 2019. Sidley Austin served as legal advisor to GIC. Excluding the impact of the revenue from the divestment of assets held for sale, revenue would have decreased 4 percent (8 percent on a constant currency basis) compared with the third quarter of 2019. A replay of the call will also be available at this website following the conclusion of the call. Accelerated investments in Global Solutions and Global Operations, acquired Tru Optik, prepaid $150 million of debt and delivered on critical milestones for Project Rise. These include equities, fixed income, real estate, private equity, venture capital, and infrastructure. GIC is a leading global investment firm established in 1981 to secure Singapores financial future. TransUnion delivered a good quarter, achieving our Upside Case Outlook Scenario, including modest revenue growth at an attractive Adjusted EBITDA margin, said Chris Cartwright, President and CEO. We call this Information for Good. Reconciliation of net income attributable to TransUnion to consolidated Adjusted EBITDA: Net income from continuing operations attributable to TransUnion, Mergers and acquisitions, divestitures and business optimization, Net income attributable to TransUnion as a percentage of revenue. What are the pros and cons of working at The above adjustment includes an estimate for the increase in revenue equal to the difference between what the acquired entities would have recorded as revenue and the lower revenue we record as a result of the reduced deferred revenue balance. We do this by providing a comprehensive picture of each person so they can be reliably and safely represented in the marketplace. The Adjusted Revenue and Adjusted EBITDA growth rates include approximately 1 percent of headwind from foreign exchange rates. TransUnion (NYSE: TRU) (the Company) today announced financial results for the quarter and year ended December31, 2020. Factors that could cause actual results to differ materially from those described in the forward-looking statements include: the effects of the COVID-19 pandemic; the timing of the recovery from the COVID-19 pandemic; the duration of the COVID-19 pandemic and the timing of the recovery from the COVID-19 pandemic; macroeconomic and industry trends and adverse developments in the debt, consumer credit and financial services markets; our ability to provide competitive services and prices; our ability to retain or renew existing agreements with large or long-term customers; our ability to maintain the security and integrity of our data; our ability to deliver services timely without interruption; our ability to maintain our access to data sources; government regulation and changes in the regulatory environment; litigation or regulatory proceedings; regulatory oversight of critical activities; our ability to effectively manage our costs; economic and political stability in the United States and international markets where we operate; our ability to effectively develop and maintain strategic alliances and joint ventures; our ability to timely develop new services and the markets willingness to adopt our new services; our ability to manage and expand our operations and keep up with rapidly changing technologies; our ability to make acquisitions, successfully integrate the operations of acquired businesses and realize the intended benefits of such acquisitions; our ability to protect and enforce our intellectual property, trade secrets and other forms of unpatented intellectual property; our ability to defend our intellectual property from infringement claims by third parties; the ability of our outside service providers and key vendors to fulfill their obligations to us; further consolidation in our end-customer markets; the increased availability of free or inexpensive consumer information; losses against which we do not insure; our ability to make timely payments of principal and interest on our indebtedness; our ability to satisfy covenants in the agreements governing our indebtedness; our ability to maintain our liquidity; share repurchase plans; our reliance on key management personnel; and other one-time events and other factors that can be found in our Annual Report on Form 10-K for the year ended December 31, 2020, and any subsequent Quarterly Report on Form 10-Q or Current Report on Form 8-K, which are filed with the Securities and Exchange Commission and are available on TransUnions website (www.transunion.com/tru) and on the Securities and Exchange Commissions website (www.sec.gov). Effective Tax Rate and Adjusted Effective Tax Rate (Unaudited), Segment Depreciation and Amortization (Unaudited), Reconciliation of Non-GAAP Guidance (Unaudited), Senior Director of Public Relations, U.S. & International, TransUnion Announces Fourth Quarter 2020 Results, Audience Segmentation for Digital Marketing, Do not sell my personal information - CA residents only, TransUnion Announces Earnings Release Date for Fourth Quarter 2022 Results, TransUnion Insurance Trends and 2023 Outlook Report Points to More Online Life Insurance Shopping, TransUnion Completes Sale of G2, LCI and Fintellix to Stellex Capital Management for $176 million, TransUnion Named a Leader in Identity Verification Solutions by Independent Research Firm, More Pronounced Changes Expected in Consumer Credit Market in 2023 Even as More Than Half of Americans Remain Optimistic About Their Financial Future, Study Finds 66% of Delinquent Child Support Payments Remain in Arrears 12 Months Later, Trade accounts receivable, net of allowance of $26.6 and $19.0, Property, plant and equipment, net of accumulated depreciation and amortization of $548.9 and $454.4, Other intangibles, net of accumulated amortization of $1,752.2 and $1,482.1, Short-term debt and current portion of long-term debt, Common stock, $0.01 par value; 1.0 billion shares authorized at December 31, 2020 and December 31, 2019; 195.7 million and 193.5million shares issued as of December 31, 2020 and December 31, 2019, respectively; and 190.5 million and 188.7million shares outstanding as of December 31, 2020 and December 31, 2019, respectively, Treasury stock at cost; 5.2 and 4.8million shares at December 31, 2020 and December 31, 2019, respectively, Cost of services (exclusive of depreciation and amortization below), Income from continuing operations attributable to TransUnion, Add: loss from discontinued operations, net of tax. The Adjusted Revenue growth includes an immaterial impact from acquisitions. Financial Services revenue was $238 million, an increase of 7 percent compared with the fourth quarter of 2019. As it has been from the beginning of the pandemic, our primary focus continues to be the health and safety of our associates, our customers, and the wider communities in which we operate. TransUnion (NYSE: TRU) and Neustar Inc. (Neustar), today announced that TransUnion has completed its $3.1 billion acquisition of Neustar from a private investment group led by Golden Read more about tech layoffs, here. As a result of displaying amounts in millions, rounding differences may exist in the table above and footnotes below. We present Adjusted Revenue as a supplemental measure of our revenue because we believe it provides meaningful information regarding our revenue and provides a basis to compare revenue between periods. 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