Target your marketing efforts more precisely to drive growth. Asia Pacific revenue was $15 million, a decrease of 4 percent (6 percent on a constant currency basis) compared with the third quarter of 2019. Cancel Anytime Marketing Offers Opt-Out Learn how to remove your name from prescreen mailing lists obtained from the major credit card reporting companies. We define Adjusted Revenue as GAAP revenue adjusted for certain acquisition-related deferred revenue and non-core contract-related revenue as further discussed in the footnotes of the attached Schedules 1, 2, and 3. Business performance continues to benefit from re Beginning in the third quarter of 2019, we no longer have these adjustments to revenue. 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. For the three months ended September 30, 2020, consisted of the following adjustments: $4.2 million for certain legal expenses; a ($0.8) million gain from currency remeasurement of our foreign operations; and a ($0.9) million recovery from the Fraud Incident, net of additional administration expenses. Consisted of amortization of intangible assets from our 2012 change in control transaction and amortization of intangible assets established in business acquisitions after our 2012 change in control transaction. Adjusted Net Income was $153 million for the quarter, compared with$144 million for the fourth quarter of 2019. In addition to factors previously disclosed in TransUnions reports filed with the Securities and Exchange Commission and those identified elsewhere in this press release, the following factors, among others, could cause actual results to differ materially from forward-looking statements or historical performance: failure to realize the benefits expected from the recent business acquisitions; the effects of pending and future legislation; risks related to disruption of management time from ongoing business operations due to the recent business acquisitions; macroeconomic factors beyond TransUnions control; risks related to TransUnions indebtedness and other consequences associated with mergers, acquisitions and divestitures, and legislative and regulatory actions and reforms. 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 an actionablepicture of each person so they can be reliably represented in the marketplace. While not all of the information that the Company posts to the TransUnion Investor Relations website is of a material nature, some information could be deemed to be material. Providing first quarter and full year 2021 financial guidance. Diluted earnings per share is expected to be between $0.41 and $0.47, a decrease of 5 percent to an increase of 10 percent. The combination of TransUnions powerful digital identity assets and Neustars distinctive data and identity resolution capabilities presents enormous opportunities ahead.. For the three months ended December 31, 2020, consisted of the following adjustments: an $(8.1) million remeasurement gain on notes receivable that were converted into equity upon acquisition and consolidation of an entity; $3.5 million of acquisition expenses; and $1.3 million of adjustments to contingent consideration expense from previous acquisitions.For the twelve months ended December 31, 2020, consisted of the following adjustments: $8.3 million of acquisition expenses; $7.5 million of Callcredit integration costs; a $4.8 million loss on the impairment of a Cost Method investment; $1.6 million of adjustments to contingent consideration expense from previous acquisitions; an $(8.1) million remeasurement gain on notes receivable that were converted into equity upon acquisition and consolidation of an entity; a $(2.5) million gain on a Cost Method investment resulting from an observable price change for a similar investment of the same issuer; a $(1.8) million gain on the disposal of assets of a small business in our United Kingdom region; and a $($0.1) million reimbursement for transition services provided to the buyers of certain of our discontinued operations.For the three months ended December 31, 2019, consisted of the following adjustments: $5.3 million of Callcredit integration costs; a $1.7 million loss on assets of a small business in our United Kingdom region that are classified as held-for-sale; a $1.4 million loss on the impairment of a Cost Method investment; a $0.6 million adjustment to contingent consideration expense from previous acquisitions; $0.5 million of acquisition expenses; and a $(0.1) million reimbursement for transition services provided to the buyers of certain of our discontinued operations.For the twelve months ended December 31, 2019, consisted of the following adjustments: a $(31.2) million gain on a Cost Method investment resulting from an observable price change for a similar investment of the same issuer; a $(0.5) million reimbursement for transition services provided to the buyers of certain of our discontinued operations; $15.8 million of Callcredit integration costs; a $10.0 million loss on the impairment of certain Cost Method investments; a $3.7 million loss on assets of a small business in our United Kingdom region that are classified as held-for-sale; $2.6 million of acquisition expenses; and a $1.2 million adjustment to contingent consideration expense from previous acquisitions. Adjusted Diluted Earnings per Share for the quarter was$0.80, compared with$0.75for the fourth quarter of 2019. The increase in cash provided by continuing operations was due primarily to a decrease in interest expense and a decrease in working capital, partially offset by a decrease in operating performance as a result of COVID-19. Tax rates used to calculate the tax expense impact are based on the nature of each item. GIC is a leading global investment firm established in 1981 to secure Singapores financial future. The table above provides a reconciliation for revenue to Adjusted Revenue. Business combination accounting rules require us to record deferred revenue of acquired entities at fair value if we are obligated to perform any future services under these contracts. Before the pandemic, this group Better predict cash flow, maximize reimbursements & deliver a more efficient, stress-free patient experience. Many of these factors are beyond our control. Adjusted Diluted Earnings per Share is expected to be between $0.74 and $0.80, a decrease of 1 percent to an increase of 7 percent. Inorganic growth rate represents growth attributable to the first twelve months of activity for recent business acquisitions. As of December31, 2020 and December31, 2019, there were 1.3 million and 1.1million contingently-issuable performance-based stock awards outstanding that were excluded from the diluted earnings per share calculation, respectively, because the contingencies had not been met. For the three months ended September 30, 2020, consisted of the following adjustments: $4.2 million for certain legal expenses; $0.4 million of loan fees; a $(0.8) million gain from currency remeasurement of our foreign operations; a $(0.9) 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 administration expenses; and $(0.3) million other. Reconciliation of net income attributable to TransUnion to Adjusted Net Income: Amortization of certain intangible assets, Total adjustments before income tax items, Change in provision for income taxes per schedule 4, Anti-dilutive weighted stock-based awards outstanding. Golden Gate Capital is a San Francisco-based private equity investment firm with over $19 billion in cumulative committed capital. Despite the ongoing challenges posed by the global pandemic, TransUnion delivered another quarter of revenue growth while also continuing to make significant investments to fuel our long-term growth, said Chris Cartwright, President and CEO of TransUnion. Neustar, a premier identity resolution company with leading solutions in Marketing, Fraud and Communications, enables customers to build connected consumer experiences by combining decision analytics with real-time identity resolution services driven by its OneID platform. We do this by providing a comprehensive picture of each person so they can be reliably and safely represented in the marketplace. Continuously monitor your risk, improve decisions, take action and increase profitability. Like TransUnion, Neustar has built its brand and reputation on fostering trusted connections between consumers and businesses to help them transact with greater confidence. We are confident that these actions position TransUnion for continued superior financial and commercial performance in the future, he concluded. As digital commerce continues to grow globally, were confident that TransUnions powerful digital identity assets, augmented by Neustars distinctive talent, data, digital resolution capabilities, and products and services will extend trust among consumers and businesses and enhance our position as a global information and insights company., This is an exciting milestone for Neustar, commented Charlie Gottdiener, President and CEO, Neustar. Forward-looking statements include information concerning possible or assumed future results of operations, including our guidance and descriptions of our business plans and strategies. 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. In addition, our board of directors and executive management team use Adjusted Revenue as a compensation measure under our incentive compensation plans. The forward-looking statements contained in this earnings release speak only as of the date of this earnings release. Adjusted EBITDA was $67 million, an increase of 1 percent compared with the third quarter of 2019. 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. Sidley Austin served as legal advisor to GIC. This increase is partially offset by an estimated decrease to revenue for certain acquired non-core customer contracts that are not classified as discontinued operations that will expire within approximately one year from the date of acquisition. 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 Adjusted EBITDA was $269 million for the quarter, a decrease of 2 percent (2 percent on a constant currency basis, 1 percent on an organic constant currency basis) compared with the fourth quarter of 2019. This guidance is based on a number of assumptions that are subject to change, many of which are outside of the control of the Company. 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. Our board of directors and executive management team use Adjusted Revenue and Adjusted EBITDA as compensation measures. Customer Support | TransUnion Get Credit Monitoring CONTACT TRANSUNION CUSTOMER SUPPORT SO YOU CAN: Contact Us Find out how to contact TransUnion online, by phone and by mail. BNP Paribas Exane Initiates Coverage on TransUnion With Neutral Rating, $64.50 Price Ta.. North American Morning Briefing: Futures Dip As a -2-. The revenue growth includes slightly less than 1 percent of benefit from acquisitions and slightly less than 1 percent of benefit from foreign exchange rates. Improve policy pricing and underwriting decisions, identify potential fraud and gain consumer insights, Comprehensive identity and people-based marketing solutions to enable addressable interactions, Build a Better Understanding of Homebuyers, Expert solutions designed to help you manage processes across the entire resident quality management lifecycle, Make informed decisions with superior data assets, analytics and the insights to combat fraud, waste and abuse, Provide smooth customer experiences while effectively detecting potential fraudulent activity, Assess consumers' ability to repay and grow your business. Reconciliations of these non-GAAP financial measures to the most directly comparable GAAP financial measures are presented in the attached Schedules. Africa revenue was $12 million, a decrease of 22 percent (a decrease of 10 percent on a constant currency basis) compared with the third quarter of 2019. Our board of directors and executive management team use Adjusted Revenue and Adjusted EBITDA as compensation measures. Tax rates used to calculate the tax expense impact are based on the nature of each item. Interest, taxes and depreciation and amortization, Stock-based compensation, mergers, acquisitions divestitures and business optimization-related expenses and other adjustments, Adjustments to diluted earnings per share. 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. Adjustments to reconcile net income to net cash provided by operating activities: Net loss/(gain) on investments in affiliated companies and assets-held-for sale, Net (earnings)/dividends, from equity method investments, Amortization of discount and deferred financing fees, Provision for losses on trade accounts receivable, Cash used in operating activities of discontinued operations, Proceeds from sale/maturity of other investments, Acquisitions and purchases of noncontrolling interests, net of cash acquired, Proceeds from disposals of assets held for sale, Cash used in investing activities of discontinued operations, Proceeds from issuance of common stock and exercise of stock options, Distributions to noncontrolling interests, Employee taxes paid on restricted stock units recorded as treasury stock, Effect of exchange rate changes on cash and cash equivalents, Cash and cash equivalents, beginning of period, For the Three Months Ended September 30, 2020 compared with the Three Months Ended September 30, 2019, For the Nine Months Ended September 30, 2020 compared with the Nine Months Ended September 30, 2019. TransUnion Fiscal Year 2021 Fourth Quarter Earnings Conference Call Chris Cartwright, CEO; Todd Cello, CFO Webcast Form 10-K Earnings Report Agreement to Acquire Verisk Financial Services Presentation Supplemental Financials (ex. Tampa Bay's Inno Under 25 2020. TransUnions Largest Acquisition to Date Will Accelerate Growth of Identity-Based Solutions 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 Gate Capital and with minority participation by GIC. -, 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. Adjusted EBITDA is also a measure frequently used by securities analysts, investors and other interested parties in their evaluation of the operating performance of companies similar to ours. The above definitions apply to our calculations for the periods shown on Schedules 1 through 6. Net income attributable to TransUnion was $343 million for the year, compared with $347 million for 2019. For the nine months ended September 30, 2020, cash provided by continuing operations was $558 million compared with $588 million in 2019. This allows financial results to be evaluated without the impact of fluctuations in foreign currency exchange rates. The Adjusted Revenue and Adjusted EBITDA growth rates include approximately 1 percent of headwind from foreign exchange rates. Jackson National Life Insurance has announced a layoff of 150 workers. Diluted earnings per share is expected to be between $1.67 and $1.73, a decrease of 4 to 8 percent. As of September30, 2020 and September30, 2019, there were 1.3 million and 1.1million contingently-issuable performance-based stock awards outstanding that were excluded from the diluted earnings per share calculation, respectively, because the contingencies had not been met. Many of these factors are beyond our control. The revenue growth rates include approximately 1 percent of headwind from foreign exchange rates. Actual results may differ materially from those described in the forward-looking statements. In addition, the revenue growth rates include approximately 3 percent of benefit due to the projected increase in mortgage revenue. Accordingly, the Company encourages investors, the media and others interested in TransUnion to review the information that it shares onwww.transunion.com/tru. The principals of Golden Gate Capital have a long and successful history of investing across a wide range of industries and transaction types, including going-privates, corporate divestitures, and recapitalizations, as well as debt and public equity investments. The Adjusted EBITDA growth rates include approximately 0.5 percent of benefit from foreign exchange rates. Fourth Quarter and Full Year 2020 Outlook. We define Adjusted EBITDA as net income (loss) attributable to TransUnion plus (less) loss (income) from discontinued operations, plus net interest expense, plus (less) provision (benefit) for income taxes, plus depreciation and amortization, plus (less) the revenue adjustments included in Adjusted Revenue, plus stock-based compensation, plus mergers, acquisitions, divestitures and business optimization-related expenses including Callcredit integration-related expenses, plus certain accelerated technology investment expenses to migrate to the cloud, plus (less) certain other expenses (income). If youve We remain acutely focused on the welfare of our associates and communities while also providing outstanding service and solutions for our customers around the world., We continue to invest in Global Operations, Global Solutions and Project Rise to drive further growth and efficiencies in our business. SCHEDULE 3TRANSUNION AND SUBSIDIARIESAdjusted Net Income and Adjusted Earnings Per Share (Unaudited)(in millions, except per share data). Determine which accounts you're most likely to collect from and apply strategies to collect more efficiently, Fight fraud more efficiently at the onset with TransUnion Fraud Detections and Prevention solutions, With TransUnion's ID Verification solutions, you'll know with whom you're engaging - before fraud occurs, TransUnion is your resource for guidance on growing your business through customer engagement, Gain agility in your decision-making process through our powerful analytics, Equip your organization with a plan to respond to a data breach or fraud event quickly and effectively, Improve the patient financial experience, streamline workflows and increase point-of-service collections, Capture hard-to-reach revenue to maximize reimbursements and improve your bottom line, Replace traditional credit applications and deliver an intuitive, consumer-friendly digital workflow, Best-in-class tools for driving profits throughout the entire resident journey, Get direct access to credit and non-credit data to create the right product suite for customers, Provide valuable credit education to your customersand gain a competitive edge, Gain a more complete view of consumers and their credit histories through greatly expanded information, Turn insights into smarter, more targeted and more actionable decisions, IDVision is a robust suite of solutions that enables you to make faster, more accurate decisions, Identify hard-to-find health insurance coverage to maximize reimbursements, Increase point-of-service collections and improve staff productivity with accurate patient payment estimates, A transformational analytics environment that puts the power of our deep data at your fingertips, Avoid skips, evictions and other bad resident outcomes within the multi-family market, Identify potential rate evasion before it impacts your book, Get a 360 view of people and businesses with one streamlined investigative risk-management tool, Access strategic auto finance solutions to find likely buyers, make loans more competitive and lower your risk, Foster greater investor confidence by analyzing and optimizing loan portfolios, Access tools and strategies to locate the right individuals and businesses for more efficient collections, Target and engage new prospects, generate valuable, new insights, and enhance the customer experience, Expand your credit unions lending and risk capabilities with a trusted partner, Powerful tools to optimize efficiency, minimize risk and gain deeper consumer insights for better decisioning, Be at the forefront of lending innovation by turning data into action. 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