me and let add Chris, to my welcome everyone. Thanks,
our in second we exceeded on mentioned, half outperformance. roughly revenue $XX of Chris metrics. of As million all the key financial quarter, guidance drove our Mortgage
half in emerging international. of outperformance other The broad-based, and verticals was principally
revenue and an acquisitions currency constant from basis a consolidated X% currency. quarter reported no basis. from immaterial increased and impact was organic Second impact on There foreign
quarter second the an Our business on basis, excluding organic mortgage both XXXX X% and currency of XXXX. grew constant from
XX% increased EBITDA constant reported Adjusted and basis. currency on a
realization Our flow-through quarter $X.XX, our was revenue end at XX.X% up points XX.X%. the compared high adjusted transformation savings. EPS due margin XXX rate year on EBITDA diluted quarter growth for to of to and the tax of basis was Adjusted of expectations ago increase XX%. the cost an was Adjusted and
least Finally, incurred operating expenses driving $XX million and of throughout We $XX the in-year for million million year million in we $XX of onetime to incur quarter, of savings. the the program, expense model related of next for technology first approximately $XX $XX to $XXX transformation transformation. at charges of expect and the onetime second in operating million half our took phase optimization transformation XXXX, million
expect million to onetime the million $XXX $XXX be million XXXX. of our remaining incurred we in $XX to $XX of million program, part expenses to As
for segment the Looking was Interactive, markets U.S. up up markets compared quarter. revenue, margin basis to points X% U.S. year adjusted ago Consumer includes X% performance to second financial EBITDA quarter. for was XX%. up EBITDA Adjusted the was XXX at and which
Our in revenue sequential savings. realized from segment cost Services U.S. XX%. benefited Financial a market transformation increase grew
was revenue the seen were down the with first consistent Services Trends in Financial quarter. X%. mortgage, Excluding levels
driven comparisons solutions. We wins, mortgage quarter, softer year. continue In activity the including back growth wins Neustar business fourth new third as financial expect ease outperform and of the cross-sell, in ex improving new half the volume with to by services we successful rates and
was banking Activity as and rates bases X%. business improving balance against delinquency down tempered card confidence. lenders mixed deposit and credit stabilizing Our remains consumer
to with TruIQ's lending suite Consumer Call as uptick customers and environment muted, remains our solutions. for themselves marketing growth The Solutions, marketing. online short-term modest such our enabling current with X%. Fintech highly lending soft. in activity declined products are position the space stable future relevant remains but analytical revenue Trusted We and batch navigate a
customer as see expanding new cases. use and We wallet wins continue and to both logo new across short-term fintech well as lending
the in market, new Our wins continued despite Solutions. credit solutions driven auto business grew by X% headwinds auto Trusted innovative and in our Call
to still used challenges remain car higher continue but rates modestly, and prices. sales affordability grow interest the across there from vehicle market New high
throughout We persist year. expect trends similar to the
volume better while For healthy originations significantly supported modestly below historical mortgage, of We inquiry averages. volumes and XX%, prequalification expectations. declines revenue grew good XX% mortgage against than shopping saw remained by our activity, down
strong. and well analytics acceleration improves, On sector, the of anticipated, rate telco year. Emerging shopping driving a suite and offsetting for X% modest tech, the about total demand second employment. trailing e-commerce, our public increasing Insurers XX-month TransUnion tenant data solutions in Consumer credit-based and basis, quarter, are we media, remains of X% declines gradually adequacy mortgage in as progress as Verticals grew expect as to identity-based X% represented grew insurance, led activity half trends and in marketing solutions. by support of the marketing audience our retail Insurance as as market which growth hygiene, revenue. activity
have the suite wins. strength well We driving muted, as as Media retail cross-sell Call tenant grew Sontiq products. modestly, Neustar risk well employment our expect Trusted business e-commerce, credit, particularly as both grew of digit. solutions project of half mid-single dissipated, communications continue solutions. across fraud lap delivered recent marketing overall and Solutions and double new TruVision pipeline and remains growth digit. and favorable and grew we of declines and to our second but growth and year-over-year robust backdrop year the we product our Tech and business a ramp we impact and across telco Collections unemployment digits timing. Public while the with single new The in as as Sector recalibration low in declined Tenant stable history good
Turning to Revenue X%. Interactive. Consumer decreased
Our wins. continued indirect from channel grew, breach benefiting
as of through business strategy. the recalibrated marketing Our declined impact as we direct expected work our
International, be about all currency. revenue constant comments in will comparisons my For growth
margin grew For XXX by double the digits. total basis up segment, EBITDA revenue markets X growing of our points. Adjusted with XX% X reported XX.X%, was
Now trends. grew the specifics healthy growth XX% credit, dig quarter. grew top In we prior and strongly the by into consumer credit, of market let's supported fraud, each in direct-to-consumer commercial for India, marketing region. on XX% year second We in
the activity. business improving expectations quarter. U.K. market figures Our to growth, returned inflation lower supporting to gradually, in banking U.K. up and and rates, The improving with for X% fintech stabilize continues interest
Canada, verticals Additionally, insurance against as as XX% well strong market strong we performance, our drove delivered consumer again our volumes. flattish growing offerings gaming and performance. In
improving In broad-based, we're and of financial but was the rate by momentum. XX% In sales new led in after growth driven wins we deliver America, Asia regions. grew very growth by Latin in fintech anticipate performance. share Colombia gains in Canada benefiting Growth deceleration see to indirect revenue Pacific, our and growth also broad-based market-leading from business batch new we Hong and breach the consumer digits, growth starting accelerated healthy double business growth recent and services to second accelerated In we half strong strength lap wins. as Kong. another to sizable insurance with year, and expect the and some of the quarter XX%, solid improving growth across in Philippines a and retrenchment. Brazil grew period double-digit to win in
increased XX% Africa by our retail broad-based led Finally, growth vertical. with
to a on cash quarter expect debt finished the million the ratio We ended made the second billion leverage quarter $XX debt balance fourth of of accrued in $XXX and sheet. course of expenses end the expect and cash X.Xx. prepayment the make the to of $XXX Turning We sheet. of with of an million that initiatives. majority after out roughly quarter We $X.X through of onetime balance million paid with free year. roughly Remember flow XXXX, transformation quarter further prepayments transformation XXXX this with the from the we with XXXX our the excess over funding
to we Term our well In $X.X entire billion facility. successfully Term Term We to reduce refinancing and A XXXX of interest our from and maturity the our extended $X.X our profile billion revolving into also credit XXXX Loan the completed as XXXX extend our as quarter, XXXX. Loan expense. maturity and credit facility of from Term of refinanced to BX BX BX and term A loan We our Loan the Loan debt revolving portion
removed revolving credit portion Loan Additionally, the successfully and for our Loan credit BX, facility. adjustment spread the Term we A of Term
Since of the our all-in announcing our and our debt cost $X.X SOFR Neustar profile. X.X% of maturity billion on our Net acquisition, transactions effective we rate. average refinancing voluntarily X to have prepaid our is lower while expense roughly executing below at current extend today's rates swaps, interest
presentation. for the range You Xx generation, Based XXXX. in can low expectation on the and appendix our end our X the be profile we leverage cash our on to of of expect ratio debt find EBITDA in slides adjusted by our
We ending ratio and Xx We as cash. leverage view our view target attractive continue point of work do deleveraging of under towards to Xx. an an not as use debt prepayment for
Turning to guidance.
are over remains months our first approach unchanged. year, X of but the with the our We pleased outperformance
We lending continue economic benefit assume XXXX with no muted from to cuts. steady rate interest and throughout growth volumes
the to us quarter XXXX. brings our That third for of outlook
We have EBITDA. on expect foreign than impact exchange on insignificant to adjusted and X.X% impact revenue less a
We constant or $X.XXX currency to XX% expect $X.XX an between organic basis. billion up X% be and billion on revenue to
of wins includes that our X for benefit guidance of our a in expect Included guidance in realized basis. breach we remediation ] be from expect points constant the that tailwind mortgage, [ currency to an organic approximately is quarter. X% large business X% recent to X.X% revenue the Our meaning will third roughly we grow remainder on
EBITDA to expect and million, million $XXX between be to $XXX We X%. adjusted X% up
points. XX.X% on drag roughly is impact XXX XX of margin on to XX.X% few or adjusted lower nuances basis third breach points basis XX our quarter quarterly expect the a margins. margin large wins down of We A margin: EBITDA to
impact a when Additionally, XXX points incentive the third last compared basis drag. had low normalizing is accrual little a when reversal we of quarter's of over to compensation compensation variable levels
Excluding those items, benefiting margin savings. from revenue realization our we expansion, expect to and growth deliver of strong transformation the underlying
to up be our diluted EPS to expect $X.XX, also X% XX%. adjusted $X.XX We and between
and Turning to as $X.XXX the and to on currency to full basis. come year. X% $X.XXX expect We constant X% up between billion reported billion an or now revenue in organic
currency be We expect X%. to our excluding organic mortgage to growth, up X% about constant
services excluding single-digit single financial mortgage. segments, or we double For our grow digit up low business low U.S. to or digit markets anticipate be growth, excluding mortgage. mid-single digit, We up expect low to
revenue about increase on X%. We mortgage to being expect based XX% mortgage inquiries over down
We in X% expect down inquiries year. to roughly be the second the of half
expect verticals to increase up down from emerging single increase low We expect low be breach low digit due We Consumer an single to single digit. wins. the digit, to now Interactive
expect double digit. continue international We grow to low to
Turning back outlook. to the total company
We up $X.XX, X% billion, to EPS diluted to expect billion XX EBITDA in $X.XXX would $X.XXX XX%. be to or being XX That margin adjusted EBITDA $X.XX adjusted and be up XX%. up anticipate points. to We basis XX% to result XX.X% to XX.X% adjusted between to
adjusted and tax approximately Depreciation be XX.X%. is to to rate We amortization approximately expected expect be million. $XXX our
in amortization change interest year. will million portion, $XXX step-up We be for and expense our subsequent be the million. the expect from control about excluding full net We XXXX $XXX anticipate to acquisitions, about
about X% capital expect of to expenditures We be revenue.
approximately expect to $XXX transformation related continue in onetime XXXX charges incur program. million our to to in We
in quarter. of with to recognized breach EBITDA factors: our in the adjusted services our and roughly Before of we driven in as end adjusted the $XX we guidance $X guided of of up, by the of margin our the I outperformance second expectations second want large breaches half increase million the $X and vary raise is First our the $XX in The what our on revenue year, to exceeded guidance adjusted April. third EBITDA revenue of wrapping in million the majority the profile expect revenue by from X high we by The quarter summarize million; can vast million drivers offered. depending and EBITDA second, wins is contribute
meaningful are print particular of acquisition needs meet breach servicing the play a the Sontiq, services With the in and By large breach role able a These are event. of breaches all end-to-end with The market now the typically we large higher-margin wins of now utilize services, space. our notification, are the build growing our to breach utilize momentum, we wins we small including to margin. lower relevance credibility which to services. in collectively comparison, numerous the continue win
for April year of the the second from prudent as we approach. maintain excluding our expectations the are guidance benefit, Importantly, breach our half unchanged
margin year. expect We continue the back healthy the to underlying half revenue expansion strong growth and of in
We million programs our are progress to least throughout at well track XXXX. of transformation on savings deliver the pleased and with $XX on remain
call now I'll Chris for final to back turn comments. the some
