Dafinchi AI

TRU

Financial Services

Adjusted diluted earnings per share was $1.08, $0.09 above the high end of guidance, a 9% increase year-over-year.
Adjusted EBITDA increased 8% with a margin of 35.7%, ahead of guidance due to stronger revenue flow-through.
Consumer Lending and Auto segments grew double digits; Card & Banking grew mid-single digits.
Emerging Verticals grew 5%, led by double-digit growth in Insurance; Consumer Interactive grew 2% organically.
International revenue grew 6% on an organic constant currency basis, with India accelerating to 8%, and Canada and Africa growing double digits.
Leverage ratio declined to 2.8x, with plans to delever to 2.5x before closing the Mexico acquisition expected by year-end.
Mortgage revenue grew 29% despite flat inquiry volumes, modestly above expectations.
Revenue grew 9% on an organic constant currency basis, surpassing the 3% to 5% guidance range; excluding mortgage, growth was 6.5%.
Share repurchases totaled $47 million through mid-July, supporting disciplined capital deployment.
TransUnion exceeded all key financial guidance metrics in Q2 2025, delivering high single-digit organic revenue growth for the sixth consecutive quarter.
U.S. Markets segment revenue increased 10%, with Financial Services growing 17% and 11% excluding mortgage.

QCRH

Financial Services

Asset quality remained excellent with net charge-offs increasing due to fully reserved credits; provision for credit losses was stable.
Capital markets revenue improved 51% quarter-over-quarter to $10 million, though still below historical run rates.
Net interest income increased to $62 million, driven by margin expansion and strong loan growth.
Net interest margin (NIM) increased by 4 basis points to the high end of guidance, expanding 21 basis points over the past 5 quarters.
Noninterest expenses were well controlled at $49.6 million, slightly below guidance, supporting an adjusted ROAA of 1.29%.
QCR Holdings delivered strong second quarter earnings with a 13% EPS improvement over the first quarter.
Tangible book value per share grew by $1.64, reflecting 13% annualized growth for the quarter.
Tangible common equity to tangible assets ratio rose to 9.92%, and CET1 ratio increased to 10.43%, driven by strong earnings and consistent AOCI.

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