Reconciliations of these non-GAAP financial measures to the most directly comparable GAAP financial measures are presented in the attached Schedules. Sidley Austin served as legal advisor to GIC. Adjusted Net Income was $156 million for the quarter, compared with$146 million for the third quarter of 2019. Adjusted Net Income was $577 million, compared with $536 million in 2019. 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. TransUnion. See More Canada revenue was $29 million, an increase of 4 percent (2 percent on a constant currency basis) compared with the fourth quarter of 2019. TRANSUNION AND SUBSIDIARIESConsolidated Balance Sheets (Unaudited)(in millions, except per share data), TRANSUNION AND SUBSIDIARIESConsolidated Statements of Income (Unaudited)(in millions, except per share data). Adjusted EBITDA was $61 million, a decrease of 2 percent compared with the fourth quarter of 2019. Deutsche Bank acted as lead M&A advisor to TransUnion. Capital expenditures were $214 million compared with $198 million in 2019. 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. 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. As the manager of Singapores foreign reserves, we take a long-term, disciplined approach to investing, and are uniquely positioned across a wide range of asset classes and active strategies globally. 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. TransUnion achieved third quarter 2020 results in line with its Upside Case as provided in its scenario-based outlook. A leading presence in more than 30 countries across 5 continents, TransUnion provides solutions that help create economic opportunity, great experiences and personal empowerment for hundreds of millions of people. Total revenue for the quarter was $696 million, an increase of 1 percent (2 percent on a constant currency basis, 1 percent on an organic constant currency basis) compared with the third quarter of 2019. SCHEDULE 3TRANSUNION AND SUBSIDIARIESAdjusted Net Income and Adjusted Earnings Per Share (Unaudited)(in millions, except per share data). Disputes Disputes are an important tool to take control of your credit health. Actual results may differ materially from those described in the forward-looking statements. Business performance continues to benefit from re-openings, government stimulus and our successful proactive efforts to support our associates, customers and consumers during the pandemic. Tax rates used to calculate the tax expense impact are based on the nature of each item. TransUnion is a global information and insights company that makes trust possible in the modern economy. E-mail:Investor.Relations@transunion.com, Consolidated Statements of Income (Unaudited). 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 Consolidated Adjusted EBITDA margin is calculated using consolidated Adjusted Revenue and consolidated Adjusted EBITDA. Business performance continues to benefit from re Because of these limitations, these non-GAAP financial measures should not be considered in isolation or as substitutes for performance measures calculated in accordance with GAAP, including operating income, operating margin, effective tax rate, net income (loss) attributable to the Company, earnings per share or cash provided by operating activities. We seek to add meaningful value to our investments. Adjusted Net Income was $153 million for the quarter, compared with$144 million for the fourth quarter of 2019. 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. Managing your information is fast, easy, free and secure through the TransUnion Service Center. Consolidated Adjusted EBITDA margin is calculated using consolidated Adjusted Revenue and consolidated Adjusted EBITDA. Total revenue for the quarter was $699 million, an increase 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. Organic growth rate is the reported growth rate less the inorganic growth rate. TransUnion is a global information and insights company that makes trust possible in the modern economy. Neustar is an information services and technology company and a leader in identity resolution providing the data and technology that enable trusted connections between companies and people at the moments that matter most. The Adjusted EBITDA growth rates include approximately 1 percent of headwind from foreign exchange rates. Financial Services revenue was $238 million, an increase of 7 percent compared with the fourth quarter of 2019. Adjusted EBITDA margin was 38.5 percent, compared with 40.2 percent for the fourth quarter of 2019. They are not authored by Glassdoor. This rating reflects the overall rating of TransUnion and is not affected by filters. Want more demographic options? Great benefits, flexible time off. Lots turnover in some areas of the business, due to poor management, that's only a small portion of the business (specifically US Marketing team) BNP Paribas Exane Initiates Coverage on TransUnion With Neutral Rating, $64.50 Price Ta.. North American Morning Briefing: Futures Dip As a -2-. With the onset of the COVID-19 pandemic, the United States declared a national emergency in March 2020. 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. Adjusted Diluted Earnings per Share is expected to be between $3.16 and $3.31, an increase of 5 to 10 percent. 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. We look forward to beginning a smooth integration of the two businesses, said Chris Cartwright, President and CEO, TransUnion. Beginning in the third quarter of 2019, we no longer have these adjustments to revenue. Beginning in the third quarter of 2019, we no longer have these adjustments to revenue. Boston home security company SimpliSafe is shutting down its Taunton warehouse and laying off its 58 employees. Latin America revenue was $22 million, a decrease of 18 percent (5 percent on a constant currency basis) compared with the third quarter of 2019. Cover the complete customer acquisition cycle. Target your marketing efforts more precisely to drive growth. What are the pros and cons of working at transunion layoffs 2020. transunion layoffs 2020richard perez comedian. 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. 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. For the nine months ended September 30, 2020, cash provided by continuing operations was $558 million compared with $588 million in 2019. 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. 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. We do this by providing a comprehensive picture of each person so they can be reliably and safely represented in the marketplace. Adjustments to reconcile net income to net cash provided by operating activities: Net loss/(gain) on investments in affiliated companies and assets of businesses held for sale, 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, net of cash on hand, Cash used in investing activities of discontinued operations, Proceeds from refinance of Senior Secured Term Loans, Payments from refinanceof Senior Secured Term Loans, 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 December 31, 2020 compared with the Three Months Ended December 31, 2019, For the Twelve Months Ended December 31, 2020 compared with the Twelve Months Ended December 31, 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. In addition, the revenue growth rates include approximately 3 percent of benefit due to the projected increase in mortgage revenue. This earnings release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. SimpliSafe Inc. opened its 90,000-square-foot Taunton warehouse in the fall of 2020. TransUnion achieved third quarter 2020 results in line with its Upside Case as provided in its scenario-based outlook. Consolidated Statements of Cash Flows (Unaudited), Revenue, Adjusted Revenue, and Adjusted EBITDA growth rates as Reported, CC, Inorganic, Organic and Organic CC (Unaudited), Consolidated and Segment Revenue, Adjusted Revenue, Adjusted EBITDA, and Adjusted EBITDA Margins (Unaudited). See More Ecosystem Guides. Availability of Information on TransUnions Website. We will also remain disciplined in managing our cost structure and investment priorities as we adapt to the changing macro-economic landscape and the impact it is having on our businesses throughout the markets we serve. 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. A replay of the call will also be available at this website following the conclusion of the call. 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. 2020 will be a good year for consumer credit, TransUnion's researchers predict. The Adjusted Revenue growth includes an immaterial impact from acquisitions. sefton park concert 2021; baby bunting patagonia; venta de hurones precios; transunion layoffs 2020 Any statements made in this earnings release that are not statements of historical fact, including statements about our beliefs and expectations, are forward-looking statements. Forward-looking statements include information concerning possible or assumed future results of operations, including our guidance and descriptions of our business plans and strategies. 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. 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. Our long-term approach, multi-asset capabilities, and global connectivity enable us to be an investor of choice. Read more about tech layoffs, here. In conjunction with this release, TransUnion will host a conference call and webcast today at 8:30 a.m. Central Time to discuss the business results for the quarter and certain forward-looking information. 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. 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. Real-time Estimate Cboe BZX Adjusted EBITDA was $65 million, a decrease of 6 percent (4 percent on a constant currency basis) compared with the fourth quarter of 2019. Adjusted EBITDA was $67 million, an increase of 1 percent compared with the third quarter of 2019. GIC is a leading global investment firm established in 1981 to secure Singapores financial future. Total adjustments before income tax items from schedule 3, Noncontrolling interest portion of Adjusted Net Income adjustments, Eliminate impact of excess tax benefits for share compensation. Constant Currency (CC) growth rates assume foreign currency exchange rates are consistent between years. TransUnion is a large American company that provides credit information and information management services to over 45,000 businesses and over 500 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. TransUnions TLOxpskip tracing, investigative research and risk management. Adjusted Revenue for the year was also $2.717 billion, an increase of 2 percent (3 percent on a constant currency basis, 2 percent on an organic constant currency basis). Our database contains more than 200 million files profiling nearly every credit-active consumer in the U.S. Consisted of stock-based compensation and cash-settled stock-based compensation. This adjustment represents certain non-cash adjustments related to acquired entities, predominantly adjustments to increase revenue resulting from purchase accounting reductions to deferred revenue we record on the opening balance sheets of acquired entities. For more information, visit www.goldengatecap.com. Many of these factors are beyond our control. warning symbol black and white copy and paste. Dispute an item on your TransUnion credit report by mail. We present Adjusted Revenue as a supplemental measure of revenue because we believe it provides a basis to compare revenue between periods. Adjusted EBITDA margin was 38.8 percent, compared with 40.7 percent for the third quarter of 2019. 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. These statements are based on the current beliefs and expectations of TransUnions management and are subject to significant risks and uncertainties. Represents expenses associated with our accelerated technology investment. Continuously monitor your risk, improve decisions, take action and increase profitability. Diluted earnings per share is expected to be between $1.93 and $2.09, an increase of 8 to 17 percent. Diluted earnings per share was $0.53, compared with $0.48 for the third 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. Inorganic growth rate represents growth attributable to the first twelve months of activity for recent business acquisitions. 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. 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