let add to Chris, everyone. Thank you, my welcome and me
largest the Chris metrics. across guidance and exceeded the International our also positively. financial outperformance Mortgage was financial businesses segment all and contributed third As key we mentioned, services in driver nonmortgage of our quarter, our
no a currency. and acquisitions Third quarter was consolidated revenue reported increased currency constant from an XX% and basis. foreign impact organic from impact on There immaterial
on XX% excluding organic the on reported currency X% Adjusted increased an grew both currency and quarter XXXX. constant business of constant Our and third basis, a basis. mortgage XXXX EBITDA from
Our wins drag XX down a our margin end XXX XX.X%, of our last includes was above incentive impact Margins basis adjusted expectations. year-over-year the as from lower-than-typical points point lower-margin basis, point breach on high EBITDA year's lapping basis an were as basis compensation. from well an over XX which
another growth, margin quarter we strong of savings. transformation items, delivered those underlying by and driven Excluding revenue expansion
per $X.XX, Adjusted share of diluted was increase XX%. earnings an
a Our was the project quarter than rate XX.X%, maintain our footprint. internal recently started restructure tax global expand to for adjusted our structure as to entities to a tax-efficient we higher expected legal due
million $XX exit program, transformation. for technology optimization, our the transformation $XXX office we and million $XX to year-to-date. in model million of onetime Finally, incurred our of transformation expenses to of quarter, lease We operating related planned an onetime charges related took for primarily million $XX third
or third quarter. segment ago year includes at for basis Consumer performance Adjusted XX% EBITDA was XXX quarter. financial points. Looking XX.X% to down compared which margin revenue, U.S. up Markets was the the Interactive
Excluding Services impact last margins lower strongly. revenues the revenue breach grew of up incentive Financial compensation, XX%. year's and were
growth outperformed Financial quarters was Excluding suite. slowdown to the Trends solution revenue start by we successful from broader fall. last cross-sell with We of X%. in several year-over-year remain improving our flattish sequentially last volumes mortgage, activity consistent lap as the Services up with driven
with in of some addition and lending customer such grew revenue up activity. was X%. stable to X% some suite banking strongest products This slowly other but card interest tempered credit TrueIQ data Solutions. highly in as segment broader volumes. analytics Trusted has resuming Fintech level enrichment Our despite the relevant and online the of seen business online Call activity Consumer muted, lenders remains marketing
which demand, trending in consumer appears direction longer-term supports should be interest The particularly fintech debt and rates, of to the costs a for market and be beneficiary funding right consolidation. falling lowers increased
Our short-term wins. benefiting lending recent business improved, from
backdrop, consumers as and market Our TruAudience drove Call face we as Solutions. persistent as Against including The both auto in Marketing market choppy Trusted car affordability business challenges. well grew Solutions, remains this across the wins, new X%. new used business
X%. grew inquiry revenue XX% volumes our to expectations compared For down ahead of mortgage,
the moved that year's in Fed's in volumes which following year, has Mortgage average last For as we below the X%, ahead experienced first late tempered activity pace crept the X% since rates of have this time were weeks. September, announcement. back recent mortgage rates pace of above
take quarter a originations continue approach significantly XX-month We XX% to TransUnion trailing about On to remain basis, conservative fourth a averages. volumes historical as even mortgage revenue. forecasting below of total represented
driving as marketing Emerging demand Verticals sector, also identity-based continue and declines in Insurers quarter, digits progressed retail double the anticipated. gradually tech, and to media. X% tenant for growth Insurance grew and e-commerce grew in grew, increase public and and credit by as double-digit solutions. employment in led activity trends our offsetting insurance, market marketing telco
levels activity achieve Shopping Solutions We marketing rate select increased TruVision, insurance still work our ago and value marketing such years all a with as our driving improved, Call seen below products. remains While expanding momentum adequacy. Trusted activity demographics. proposition and as with products fraud few see remains to good it the history, market insurers to across strong has
in fraud lap unemployment grew communications low the grow year, lapping primarily digit, and impact further for aided onetime prior solutions. sector the year. single third in this grew had led quarter, Call with And and also low our e-commerce and by project sector expected of recalibration growth in led digits Media second in Public the digit, Public product the reversed as we digit, growth was vertical that fourth to by mid-teens retail mid-single favorable we single expect Tech low Solutions. timing Trusted quarter. quarter wins. double to project declined improvement returned the by which the
growth low expected. Collections vertical We expect declined flat in and single quarter. was both return digit, to to fourth the telco as this
remediation Turning to Consumer wins. driven XX%, Revenue Interactive. increased recent by breach
supporting teams cross-functional against our in well credibility contracts, executed this building these space. Our consumers and
Excluding revenue to our benefit, digit, direct due the breach primarily declined mid-single channel.
our and the to on broadening We go-to-market progress to good and value are share direct-to-consumer more expect in in making coming proposition we quarters. have strategy
comments in comparisons will currency. my revenue growth International, be constant about For
segment, X revenue Adjusted total with XX.X%, the For our double XX%, XXX growing markets grew digits. of points. reported margin EBITDA was by up X basis
grew across specifics and the for In commercial let's each we credit, growth credit, with Now broad-based region. dig marketing into direct-to-consumer. India, XX% consumer fraud,
the remains While last strong, we experienced deceleration X quarters. in growth some
with previously lending Bank resulted pace As We compared the half to XXXX. throughout RBI support quarter to the healthy tightening as has below proactive from volumes growth, noted, delinquencies also are lending an strong they on India stability in trends lending India, financial regulations of taking diversification. third GDP term a industry-wide. online long credit ratios actions the of in build are good over loan-to-deposit in Reserve These In this is consumer our of and unsecured targeting the tempered product consumer we ongoing approach of the line activity of vertical by growth the first overall This and period world-class historical benefiting our averages. with lower believe the inflation a tightening slowing and market. context in in long-term
Our API new outgrowing is an commercial market, our credit marketplace. the leaning like team further doing into and products job solutions underlying our excellent
expect fourth strong growth and conditions quarter. India We are lending monitoring in in the
the X%. including inflation market improving well grew across business financial U.K. In delivered flattish strategic Canada, fintech and of in outperformed high driven we volumes by England's our the Canada cut delivered strength mid- alternative wins lenders, X%. anticipate in new August. interest consumer higher supported Our in Bank of strong optimism, up and positively We We government business, indirect and insurance, quarter. from and to as with quarter The the market growth first lower another services and breach growth, consumer verticals. fintech, by insurance. cross-sell gaming We recent activity and wins fourth single-digit in banking gradually as trending rate is
wins. countries other volumes. our In high single And revenue double double Latin supported digit, American Colombia XX%. grew Latin new outpacing digits. by Brazil business grew digits, America, grew also grew muted
in Asia quarter solid by XX%, we strength In and Kong. Philippines grew the Pacific, led Hong a in
broad-based Finally, led XX% growth our with retail increased and by Africa vertical.
ended a finished $XXX $X.X year-to-date. to total and million with We quarter the We made of a sheet. of the of quarter quarter $XXX balance roughly in the a debt Turning We voluntary third for cash. ratio leverage million $XX billion million with the of repayment X.Xx.
in Remember prepayment quarter expenses fourth majority the XXXX, through accrued additional of an transformation of this be million end from make of XXXX to of cash initiatives. out year. will quarter the after transformation fourth with expect the onetime flow our roughly excess funding the that We the $XXX free paid
Neustar profile. cost our acquisition, announcing lower refinancing extend swaps, X have X.X% Since our to Out at interest roughly below debt while effective our transactions our prepaid of current expense $X.X today's executing on billion and we rates average all-in voluntarily is SOFR. maturity our of
slide presentation. a and of end appendix for You we profile our EBITDA our on Xx in generation, adjusted debt cash our to can expect leverage the ratio expectations on of find XXXX. be the by roughly our Based
view cash. of target leverage to an and under use of as continue We Xx debt ratio attractive prepayment a
guidance. to Turning
interest outperformance assumed no the unchanged. We the X but our of first quarters remains are our with year, guides year, benefits this over In cuts. guidance pleased prior rate approach from we
on experienced Reserve in last mid-September, in With rate have XX weeks. the volumes the basis cut improvements mortgage few announcing modest Federal what have based over a we point incorporated interest we
those expect of volumes will meaningfully but rate U.S. business year. XXXX. to persist benefits to long the through muted, interest assumed end the the stable over financial not services do our The broader expect we in we lending benefit While term, reductions manifest
quarter. the to us outlook fourth for brings our That
to impact less impact insignificant and foreign adjusted have EBITDA. on exchange We than a on expect X.X% revenue
to We expect constant and organic currency revenue billion be X% $X.XXX on to basis. $X.XXX up X% an our between or
revenue currency that includes basis. X business of guidance we X% approximately to constant our Our organic on tailwind to X% grow mortgage, meaning points from the expect of remainder an
of other increase drivers to roughly volume terms the In in on mortgage quarter, of XX% based fourth revenues over growth. XX% revenue expect we
mortgage expect to mid-single Services, Financial excluding digit. continue We grow to
expect decline third Verticals sizable from expect prior digit. X% Consumer anticipate in We the the and another business Interactive Emerging a strong from to breach from win and mid-single We laps accelerate growth of quarter as the grow we year. growth to quarter roughly XX% International,
between adjusted $XXX up XX% expect We EBITDA to to be and million $XXX million, XX%.
We to expect adjusted EBITDA XXX to up XX.X% of or XX.X% XXX points. margin basis
We also XX% up expect to share our $X.XX diluted adjusted to between $X.XX, be XX%. per and earnings
Turning up $X.XXX currency expect on roughly organic in as-reported or and to an year. We the to constant basis. now come and billion full revenue $X.XXX between X%
our expect currency We be about constant excluding growth, organic to mortgage X%. up
single high segments, U.S. business our digit, up low grow markets For we or single digit expect excluding to mortgage.
Financial low mortgage. track U.S. mid-single-digit digits, be remains Neustar excluding single on well up to Across XXXX. in mid-teens for growth Markets, Services or We anticipate
mortgage now based mortgage XX% than expect inquiries Emerging expect revenue X% digit. mid-single for to We We be the less year. down increase on up about Verticals to
expect We to expect we low double And digit. single Consumer low increase to digits. grow Interactive International
outlook. to total back Turning company
which tax than XX% given XX%. $X.XXX XX% to tax maintaining We to billion, most share result than to tax to points. remain earnings We be to billion adjusted mentioned EBITDA XX to margins tax rate expect anticipate focused our the XX.X%, like but $X.XX, now and XX to be our including We guidance rate $X.XX the expect to modestly previous adjusted XX% basis We on structure That to to previously expect complete be diluted up XX%. evolving future higher our or up global EBITDA approximately historical XXXX. the initiatives due rate landscape, up tax. in internal to recent in higher be expect per would adjusted the efficient we project, XX.X% our adjusted minimum adjusted of between $X.XXX
now amortization is $XXX and approximately Depreciation to expected be million.
for net from of step-up expense be about subsequent now expect interest amortization to and will full the year, our be million. Anticipate control we change the acquisitions $XXX We expenditures portion XXXX and excluding capital about in be expect million $XXX X% about to revenue.
expect related in onetime $XXX We transformation in XXXX our to to incur program. charges million approximately
earnings guidance With by raise, today's revenue $X.XX. adjusted of per the course EBITDA by year over $XXX share $XX expectations raised we million, by million have the our adjusted and diluted
by revenue large business revenues, broad-based driven stronger wins breach has increase been mortgage momentum. remediation and Our
revenue We savings. margin in-year also margin modestly increased breach higher our EBITDA expectations despite adding adjusted flow-through by lower and supported revenue, transformation
turn the back Chris I'll for final now some to comments. call
