consolidated financial welcome our let everyone. off results. add Thanks, to my me and I'll Chris, with start
both inorganic on revenue, First points exchange constant reported X% quarter point a consolidated was basis. revenue currency two foreign about and increased while to two added a Argus headwind. organic
Our X% on declined Adjusted currency an XXXX. business both organic and mortgage constant the from and was excluding on on X% quarter constant first an XXXX a organic currency basis basis. reported EBITDA of basis, grew flat
expected. EBITDA as XX.X%, Our the basis was to XXX quarter, had points year-ago adjusted compared margin down we
Excluding of or EBITDA our currency, margin Argus, organic was constant basis down points adjusted the year-over-year. about XX XX.X% impact
declined First interest adjusted as expense. quarter XX% and adjusted, diluted a EPS EBITDA, higher result lower of
And and Neustar at accountability reminder get we standalone of the within that reporting a reporting reporting XXXX. into markets’ I will clarity. now market Neustar providing discontinue we structure vertical to US end our internal are drive results, Before
the Now mortgage. looking the first year-ago revenue to for was up flat compared the in US X%, at up market’s and performance quarter. was revenue quarter, quarter segment Organic financial excluding was X%
markets US an on organic X% as basis declined on an declined EBITDA Adjusted basis. and reported for X%
as margin Our for down organic Financial grew XX.X% Services, reported an X% Argus. on excluding X% XX.X% adjusted was EBITDA basis. was and revenue organically,
CAGR. rate XX% Excluding mortgage, first of XX% was growth revenue comparing flat to organic growth despite a XXXX in growth year the two implying quarter a
growth mid-XXs individual low-double-digits against revenue the consumer at end-markets, declined in the quarter. a rate ago Looking lending year
levels, and As solid be we back to entrants. but relative where historical expected, remains and to activity continue BNPL lenders new activity strong pulling space in are see the continue to particularly investors selective,
focus expanding are and in strategically to extending on We advantage an position existing relationships.
of offerings solutions provide these management to existing advanced and like capabilities that allows mitigation, capabilities. marketing, The further breadth the fraud especially us penetrate analytic recent are can accounts results we of of Neustar. Many center call acquisitions, with
mid-XXs was marketing. Issuers Our against They utilizing to year larger our are flat origination growth wallet that with from with helping credit with consumers, firms card a quarter. gaining drive business continue market on the relationships in focus benefiting digital activity. top of share to are also prior aggressively
market call and share improving solutions X% strong growth quarter pre-qualification auto gains, impact volumes, addition delivers Our business in the cross-selling of strength to conditions. the marketing continued the of in center Neustar on
quarter, revenue by was HELOC pricing, the mortgage about market declines declines is while At were The falling by origination and been activity. XX%. origination activity only mortgage, despite almost rates. the and helped maintained strong non-existent recent, in this decent modest levels volumes point, so refinancing purchase For offset in X% volume marketing down has
trailing XX represented about total X% month of On a revenue. TransUnion mortgage basis,
revenue now the the inquiry to our XX% to we roughly XXXX, market expect be down For increase and mid-XXs. in
slightly seeing facing smaller, volume end-user of are this addition improved a share In expectations, higher from customers, we are higher markups which pricing third-party year. to volume
now the quarter. year our verticals, Insurance me emerging which another Let in comparison. despite grew good a to tough X% delivered quarter, ago, turn
recovery for beginning pass and to approval rate a shopping which to prices Importantly, increases seeing receive consumers, increased driving those carriers in we activity. is are
our to At fruition course yet and marketing year attractive confident already the We brand-oriented recovery to new limited their largely the marketing drive growth and will remain this over to point, campaigns applications. insurers vertical. the that have insurance activity for come to improve reactivate this have substantially of personalized
with again employment construction rental by a supply employers move recovery increasing market in and the hiring. Tenant rates, offset This an softer in growth market, screening growth of somewhat more new units a as a and take cautious result rental was approach as employment of increases tenant online. and as improved early signs a declines month-over-month of screening rates, comes to
achieved, the Interactive margins full the reduced vertical Media growth quarter, as continue result based in X%. to the advertising to we deliver XXX Our XX.X%, basis on a the a declined wins Despite up market softness. some expect that, were of declined spending. business vertical EBITDA we've Consumer points revenue for new as Adjusted of year. result
recalibrate higher Our offer better-than-expected, improvement we wins Indirect acquire. the of tactics first modest to the the in quarter Direct on our decline business on customer focus acquisition partners good seeing and a to approach Thus our marketing stats revamped attractive continues of at cost In consumers. we to value business, new we're business strength monitoring. with returns as on grew with some that our paid far,
Sontiq and integrating which to believe increased cross-sell we the continue our opportunities customers will features facilitate us progress with to global make in continue differentiated market. fully existing we into model, provide Importantly, operating
For all International, will be my about in constant growth comparisons comments currency.
XX% segment, of revenue For six markets EBITDA XX strong XX.X%, our result our the basis double-digits. four reported points was grew growing growth. as revenue by Adjusted of a total up margin with
region. into for each revenue X%. dig the declined let's Now, In the specifics UK,
the have environment. a with government, despite about UK one-time in grown the X% quarter including Excluding revenue related macro to the contracts we would challenging
banks satisfy continue active consumer demand. and this demand We to loans see strong to for large staying
trended help for risks. good our At assess the lenders credit affordability time, we to same solutions, performance in have seen portfolio
and a for material deepening grew contributed in which business credit. with a the markets, driven bank, use fintech business demand credit a adjacent wins Canadian softer case major by to X% large generally quarter, in first offset lender Our consumer
as of In India, screening as market both our real employment from reflecting offerings. well saw markets, growth a generally diversity strength we remains strong healthy India. Credit and in grew and fraud, trends Consumer XX%, We Commercial portfolio and consumers. The direct-to-consumer meaningful in
XX% markets, largest including double-digit revenue Columbia. our across America, growth market up broad-based quarter was for Latin with of our In another growth
region, teams telcos. to new banks, in softened While the our neo continue macro financial government fintechs insurance, win particularly business in conditions and and with services, have
fraud We credit our vision also continue and to see strong solutions. of adoption
In new growth growth with from Asia in the good from grew Philippines, which resumed Hong driven and fintech Pacific, we COVID XX% in well and levels strong trajectory. Kong, performance by now continued economy players now running pre-COVID exceptional business of is re-emerged as the ahead fully its has
strong of broadly fast-growing in micro the continue markets. was with on In very based markets fintech strength by to verticals growth like like of in business XX% increased revenue particularly region several we South a in across Outside see Zambia, growth portfolio, gaming. Africa lenders. largest augmented despite Africa, environment strong Africa, and continued and and challenging performance our Finally, core South telco, Kenya the and
quarter with roughly of We the left quarter $XXX with ratio the That prepaying after balance with on million sheet. debt us X.X $XX We finished a ended of the the million $X.X cash quarter. of in billion times. leverage
At this quarter second the full year. point, in to prepay intend the additional we debt and
Looking we $X.X at the we've this debt. currently since about and any to large-scale of time, previous plans. acquisitions pursue to in September are XXXX, not reiterate billion back, we prepaid announced of acquisition bolt-on comment, intention even no in have smaller of And our Neustar our acquisitions
and are potential We growth of integrating, Argus. on the Neustar, focused and Sontiq maximizing
quarter, us revenue from our about headwind EBITDA. quarter. for point on brings FX expect outlook of to second we the the second That In one adjusted and
from no acquisitions. revenue, For is there impact
to currency X% between $XXX and million X% revenue on expect reported $XXX and or an in up X% flat an on basis. to constant come organic to million up We basis as
point up we flat will X% currency the of organic an expect that includes constant approximate meaning one percent be guidance mortgage, tailwind to revenue on remainder an our Our business basis. for
adjusted X%. between to expect and $XXX $XXX We to a million, X% of EBITDA million be decrease
as to of We EBITDA the margin impact of down revenue XXX points XXX result expect adjusted basis a to be mix.
per a a also adjusted We to XX%, diluted of to lower our XX% EBITDA adjusted share and be earnings and interest range $X.XX, down between of expect result expense. $X.XX, higher
the largely to our Turning remains full of most unchanged. guidance year,
We adjusted revenue point of EBITDA. from one FX and headwind on expect about
anticipate we For revenue, of benefit X% of the from Argus. less acquisition than
organic in X% constant reported revenue X% billion mortgage. up $X.XXX and or to as basis the between in basis come $X.XXX up excluding expect on billion currency of We impact and X% to to X% to and an
organic mid-single-digits, business of on without markets an Services low-single-digits US mortgage. basis, we our and segments, to For expect the low-single-digits, be Financial to excluding impact up mortgage. down low-single-digits grow We but anticipate
overall guidance for reduced Services to environment. the an modestly we Lending our have uncertain Financial Consumer is for lending and expectations Card unchanged, While reflect
anticipate to by be digits. to of out the We we We revenue verticals year Interactive benefits currency now low-double-digits emerging International and expect diversified us our full playing terms, from up and will and to low-single-digits. guidance. expect We continue ongoing markets allowing emerging maintain see that in up Consumer can strength our decline, high-single-digits constant in grow, to portfolio mid-single driven
adjusted partially benefits cost of offset to points of relatively flat to company the revenue would margin to the in considerations. mix XX up quarter, we the $X.XXX basis some by and savings, be lower first outlook, to Turning Argus’ total inclusion the with in being significant Neustar EBITDA result back billion, billion up margin expect X%. EBITDA between That $X.XXX to adjusted and X%
portion to XXXX acquisitions we approximately is EBITDA million control, expense about and adjusted be amortization our step being adjusted declining subsequent offsetting million. And continue Depreciation to to to X%, XX%. in anticipate be $XXX tax the be higher growth. rate we from adjusted expected and flat amortization change approximately excluding interest expect up diluted $XXX We with expect our EPS to and
for X% debt revenue. will our LIBOR interest net about at the from we million of And slightly in about full modest prepayment reduction to be year, come and our guidance anticipate due a previous forward We capital expect $XXX expense down the expenditures in curve. to
comments. now I'll Chris the to some turn call final back for
