Thanks Chris, results. let everyone. and with my financial I'll to welcome start add me off our consolidated
increased was XX% a currency currency X%. organic revenue XX% points Neustar, growth to on about a consolidated basis. quarter Third added Argus constant revenue Sontiq and reported and XX and on constant
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the U.S. increased ago financial Now EBITDA what third X% for quarter. revenue margin Neustar's Organic Adjusted to results XXX vertical, but into as for market's basis. year to we Neustar looking X%, basis at by EBITDA revenue by have markets down been excluding up emerging XX% that segment declined and and declined within compared results verticals. the on declined points, date Adjusted X% was reported an organic the the performance Diving quarter. mortgage. included was note would've XX% Argus U.S. XXX points, financial up please an excluding on basis acquisitions.
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XXXX, despite third a CAGR. XX% implying quarter growth organic was X%, mortgage, of growth currency Excluding in constant the XX% revenue two-year growth
the markets, be of at top individual persisted quarter. as activity on throughout lending levels year almost the of XX% to ago high in Looking growth leading consumer XX% to the end quarter, continues strong
emerging tiers, lower acquisition from credit marketing below FinTech softness activity prime their seeing and While reveals recalibrate activity some we to lenders customer are retention.
growing sophisticated quarter, all in nearly good the top quarter. seeing also activity our for channel incremental incremental as card after well and Issuers considerably sheets XXXX driving and more around time, Similarly, slowed position. ago from our the debt peak. to strong their XXXX reached another X% to At fight spend, credit alternative data of XX% are continue year marketing in use growth origination. when continued consolidation, of BNPL as in We pre-qualification of growth business which wallet consumer for had same see tools had position balance we
seen cautious pullback in quarter fourth haven't regarding activity. yet, activity taking this we stance are a While we
single quarter wins lingering for as retailing on digital particularly inventory business and in business issues used growth new auto and trend Our related the helped delivered vehicles. innovation, high to new digit offset
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than mortgage This XX-year end rates what year affected point For ago. substantially and especially the to mortgage, a is market, a refinances. with continued more fixed have was the it the the than inquiry second rise quarter average more rate of from total up double
to outlook our to down XX% revenue designed expect our the inquiry conservative full continue XX% to fall late XX% be year, to the we XX%. For market be and and to We we much in largely July further anticipate including has to any not home year reduction prices. outlook. we and full as inflation therefore altering Backdrop expected, out headwinds, our are higher if rates played to without and
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digit reported our verticals, in strong basis excluding was despite growth, emerging grew another Chris X% with the quarter Let associated to quarter XX%. up me more building single on now ago Insurance turn and than mid a revenue Neustar. slowdown described the marketing, which delivered year XX% on good very revenue when with and a
well We market. commercial auto continue solutions to see in as strength private from our innovative DriverRisk traditional in and life applications, as our
organic our As Chris opportunities. addition these driving mentioned, in to recent are growth incremental acquisitions opportunities, significant
deliver sector We a several public the business vertical will hiring. and grew in tenant and driven rental sharply. the this as have confident approach by quarter due employment slightly continues timing portion more tightened of this market inventory smaller the to to of we've screening the seen in softness moving take a vertical signs fewer growth deals. levels quarter. fourth the softness cautious that rates employers a growth. decline attractive remain result in screening, of to continued as Our Employment Tenant risen renters as return have Though,
for Our media due interactive largely organically we both impacted area again was Sontiq towards the channel or channels to excluding double-digits to solutions and second EBITDA the direct is a a X% revenue. and for vertical the an XXXX, Consumer exceptionally grew consumer serve direct related both X% but to This the expand performance on shift demand multiyear companies declined indirect quarter, X%, this direct of to strong is the capabilities. channels. categories. and continue and freemium with of quarter, result challenging in continued Adjusted marketplace Sontiq. a decreases increased reported strength XXXX and monitoring. in that media moderating a adversely leading comparisons Similar X% offerings revenue, credit broad where protection, enhances and Sontiq, in down social indirect our both acquisition offsetting Partially our basis includes credit across paid in identity up in range platforms contracts which and sign
of the created side, comparison. indirect breach restructuring of year unfavorable an year-over-year have non-recurring the key partnerships revenue and some last On one our
currency. my will constant be comments in For about comparisons all International,
For with as EBITDA double-digits. grew six result of segment, the our of reported increased for growing total revenue XX% a markets by our five International revenue growth. XX% Adjusted strong
into Now let's In dig X%. U.K., the specifics the each for revenue region. increased
one would've despite the challenging we the Excluding X% on political about in revenue related quarter inflation the confidence. contracts have customer government, the with U.K. including a activity environment. macro and transition Notably, weighed higher and to time grown
TrueVision, are traction of our in to our increased with use seeing in forces, acceleration credit consumer vertical. we're U.K., an now the we direct insurance lenders However, trended the along three also in largest our strength offsetting in as seeing CreditView and these offering platform, four
XX% reflecting portfolio. Our grew quarter, growth Canadian business in the third across the
indicators in new BNPL see macro to our large largest banks core we as garner one business While from to players. the remains of quarter ranging continue a strong we third softening business bit, the
We benefits expect leader benefit continue we service reflecting to will data spend trends, to and India, Indian the their diversified customers inflation, XXXX, as In we consumer these XX% executed Also moves, and of analytics successful be ordering the our rising recession post-COVID in models the continues in grew healthy strong Canadian and position to Despite from recalibrate financial incremental ready. portfolio. aggressively. order remains once the growth, us batch, in market to BNPL market fully the driving innovation, sector. and
macro reflects strong in with consumer very fundamentals, Asia-Pacific, grew ongoing hold business growth and growth across strong XX% In card and third continued from America, of FinTech FinTechs we we wins, and where lending up including all XX% markets, many of and and BNPL good was issuance, CreditVision's solutions. double-digit key CreditVision, fraud growth with of rise new particularly consumer our new and our performance good result, shifts share along business in growth, continued the revenue in players. and shared with by Kong, neobanks we a In financial Latin driven services, markets. credit FinTech broad-based Hong a As continued This with uptake from markets benefit players, positions.
We fully expect levels exceed now growth has resumed double for COVID to full revenue and trajectory. from pre-COVID year to the as its economy the from the reemerged strong and Philippines
across based blackouts in includes performance challenging electrical consecutive XX% largest meaningful despite South in contracting increased the rolling of environment years and Africa. renewals in real won of emerging quarters region, Outside strong broadly Zambia. we Africa a Notably, countries and new Finally, contract South on the that market, our portfolio Africa, important establishing in valuable Africa. business we have and secured South Kenya like footholds spent GDP
now countries, in particularly seeing with of these lenders growth and investments with the are global our micro fruits validating meaningful these strategy. FinTech IP further We
liquidity. We of and Now million pro ended shifting the forma balance $X.X with of cash on quarter leverage billion times. X.X to leverage of $XXX the debt, and roughly sheet,
to end the X.X times XXXX. delever to by of expect We
use That in quarter. year. debt We of us brings the fourth to the full the quarter fourth to cash outlook also prepaid and portion intend a our to for our
three points the FX Sontiq, All of FX from Argus. headwind from provided EBITDA. fourth unadjusted four we expect about with guidance the and points of Starting quarter, and revenue on headwind reflects of Neustar,
Argus. acquisitions a of Neustar, from and point For anticipate benefit Sontiq, revenue, the we XX about
on million as come an an or basis to We constant to in million, down $XXX reported currency and expect flat to and X% XX% $XXX on revenue XX% between organic basis. increase a
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more to acquisitions, points, margins. lower incorporating anticipate an points. down to three in our margin fall as of range basis organic basis result the Argus a of EBITDA adjusted expect basis, than and XXX Neustar a We to margins primarily up XX XX increase relatively On by excluding we
of $X.XX, diluted debt rates rising $X.XX impacted our the expect and and XX% of X% that is effect adjusted be range a to also by up to X% floating. per our We approximately earnings of share down between negatively
to we next two negative have dollar points. year, full expect on a impact strengthening about by revenues the on For rates, for expect we recent several FX the this FX to quarters. Based at revenue impact current
of points We also from anticipate M&A. about benefit XX
We expect to XX% billion between billion revenue XX%. $X.XXX to $X.XXX be up to
approximately year. four headwind includes the full points mortgage guidance for Our for
an we about on currency increase mortgage revenue basis, excluding constant anticipate X%. So will organic
but For mortgage. to digits our but mortgage. basis, single business segments grow up single digits, on low low to be double-digits excluding organic We we expect U.S. an up financial digits, markets services high single low anticipate down excluding
consumer on interactive expect mid emerging previous will single mid to high an We currency we expect change teams decline grow in guidance. on up Both constant International digits. the the We that and from terms, and verticals basis. be single in anticipate consumer are on to organic our International digits interactive
between $X.XXX billion $X.XXX We expect adjusted billion up EBITDA be and to XX%. XX% to
We point two headwind expect foreign a exchange. from
EBITDA acquisition to we Anticipate compress expect points an and Sontiq XXX and by acquisitions adjusted basis the driven on about margin the to lower XXX decline margin for organic Argus. XX will this basis costs Additionally, basis. margin integration our year, points
at about from floating the you XX% interest to between help modeling this And share is fourth expect XXXX be currently fixed. diluted in your anticipate million in and from $XX $XXX And expense be expense earnings to about think subsequent time, and X% of year to quarter. adjusted our for you will $X.XX Continue our we X%. modeling, to We for million. our as complete up to $X.XX, full the per control be expense change be This $XXX roughly will previous million, and implies Depreciation amortization excluding about million year. guidance. interest tax to we debt expect interest XX%, still approximately rate expect than acquisitions $XXX of the our adjusted to and slightly our up be step still lower swapped net roughly the be XXXX portion approximately amortization to
on variable year, that X.X%. which are the notional of billion swaps the the end rates notion that X.X fixed have at We at expiring
higher the to it a rate year, but come that of higher swap rates. end the to is likely given at before expect and renew rising swap We
will I prepayment noted, which expected will reduce on over we floating exposure focus effectively coming rate our debt As quarters, time. to continue in the
Finally, we to about expect capital come at X% revenue. expenditures still in
usual, you when guidance our Looking ahead provide report as we'll with the year next full XXXX results we February.
considerations into to we assuming it's next these I head However, some year summarize macroeconomic persist. important valuable as challenges think
First decline in an consumer and XXXX next verticals to and with changes. the we currency most that mortgage right relate important, emerging two through material To again expect remains now, will for constant for One, to growth revenue the are believe temporal deliver we we next of Chris's attractive headwinds in margin. Though, diligently inquiry go excluding The our vertical, at organic that U.S. financial healthy commentary. relatively points should some volumes we back themselves any experiencing year. watching And are the our point we're that comparisons and easing bodes the as year. well in resolve two, mortgage. services
And consumer performance in while and XXXX. we've expect continue strong benefiting an headwinds from wins as performance in the renegotiations building International We discussed. we will some our of believe business the lap new business also the contract we improve business interactive, to on impressive in direct that
and we is exposure ratio. directed expect cost flow deliver a current a to we all interest helping seeing is rate Specific to And be free meaningful to pipeline we're of mentioned, finally, we'll have will EBITDA Neustar, the we my this continue debt will expectation reduce point, help further cash running year. time, program deliver $XX very that expectation At at increases. also successful very three reduce our of more nice develop same Chris leverage that assuming our our savings our ahead business adjusted next new dollars, that prepayment, As acquisitions. across reduction million to
at a Now call, relative review in pivoting puts how to takes and downturn. transcript story some business spent time severe some thoughts last I convenience. recession. revisit the I detailing about our you that comprehensively On might as can to earnings today won't a your more our respond
to the discussion. want I do However, conclusion of that reiterate
we our First, give targets in I still would to our still want and at you we differentiated Clearly, Day this some comments. these sacrificing to growth I'll because up to in diversified and we protecting showed growth, and to slide without deliver we're to back to important we call don't order our expect long-term portfolio a solution sight somewhat partnerships and March final and recession, seeing market strong to we integrating they margin Despite expansive deliver of fulfilling and deliver a integrate to the built footprint, thought geographic Chris of revenue turn and expect business structure but the deliver pipeline This a Investor the in innovation. the with solutions of line our it strategic performance. possible cyclicality ensure acquisitions. recent we of aligns normal cost is deep wrap of to we acquisitions commitments innovation offerings investments long-term of to against trajectory leadership would and revenue downturn, XXXX. keep be prioritize our our our margins manage our would against year. us focus our in some linear, In relevant expect on recent on in complimentary our anticipating, our growth ensure for attractive our commitment. end our expectations, markets
