TransUnion shares fell 5.3% to $75.42 on the first full trading day after the credit bureau reported third-quarter 2026 results. Investors focused on margins and debt, despite strong earnings. Revenue rose 12.2% to $1,312.5 million, or 8% on an organic constant currency basis. Net income climbed 61.7% to $156.2 million, and adjusted diluted earnings per share came in at $1.25. Adjusted EBITDA grew 9%, but its margin slipped to 35.4% from 36.3% a year earlier. The company says its OneTru technology overhaul should lift margins over time. TransUnion carries $5.5 billion in debt and is buying back shares. It raised its full-year guidance.

TransUnion (NYSE:TRU) reports third-quarter results on Tuesday morning. Analysts expect revenue to grow 11.8% year on year, up from 7.8% in the same quarter last year. In the previous quarter, the credit reporting company posted revenue of $1.31 billion, up 14.9% year on year. It beat analysts' revenue and earnings per share estimates, and has a history of topping Wall Street expectations. Peers have already reported. SS&C's revenue rose 7.8%, meeting expectations, and its shares fell 7.3%. Equifax's revenue rose 9.6%, in line with consensus, and its shares gained 10.7%. TransUnion shares are up 23.1% over the past month, trading at $81.47. The average analyst price target is $89.29.

TransUnion has launched Transaction Matching, a tool that links in-store purchases to persistent, privacy-conscious customer identities. It uses Fiserv's Unknown Shopper solution to help merchants recognise shoppers they could not previously identify, such as loyalty members who paid with a new card, or used tap-to-pay or a mobile wallet. Merchants can add demographic and lifestyle insights to pseudonymised profiles, cut duplicate records, and tell new customers from returning ones. Red Lobster is an early user. "Before partnering with TransUnion and Fiserv, a new credit card could look like a new customer, even when it belonged to a loyalty member," said Alisa Stewart, the chain's director of customer relationship management. The launch is the first collaboration under TransUnion's broader Transaction Matching solution.