Earnings summaries and quarterly performance for EQUIFAX.
Executive leadership at EQUIFAX.
Mark W. Begor
Detailed
Chief Executive Officer
CEO
CM
Chad M. Borton
Detailed
Executive Vice President, President, Workforce Solutions
JF
Jamil Farshchi
Detailed
Executive Vice President, Chief Technology Officer and Chief Information Security Officer
JW
John W. Gamble, Jr.
Detailed
Executive Vice President, Chief Financial Officer and Chief Operations Officer
JA
Julia A. Houston
Detailed
Executive Vice President and Chief Legal Officer
PR
Patricio Remon
Detailed
President, Equifax International
Board of directors at EQUIFAX.
AB
Audrey Boone Tillman
Detailed
Director
BA
Barbara A. Larson
Detailed
Director
GT
G. Thomas Hough
Detailed
Director
JA
John A. McKinley
Detailed
Director
KL
Karen L. Fichuk
Detailed
Director
ML
Mark L. Feidler
Detailed
Independent Chairman of the Board
MD
Melissa D. Smith
Detailed
Director
RD
Robert D. Marcus
Detailed
Director
SA
Scott A. McGregor
Detailed
Director
Research analysts who have asked questions during EQUIFAX earnings calls.
KZ
Kelsey Zhu
Autonomous Research
8 questions for EFX
Also covers: FDS, MSCI, TRU +1 more
Scott Wurtzel
Wolfe Research
8 questions for EFX
Also covers: ADP, BR, CLVT +12 more
TK
Toni Kaplan
Morgan Stanley
8 questions for EFX
Also covers: ADT, ARMK, BFAM +18 more
AS
Andrew Steinerman
JPMorgan Chase & Co.
7 questions for EFX
Also covers: ARMK, BFAM, CTAS +16 more
CH
Craig Huber
Huber Research Partners
7 questions for EFX
Also covers: CSGP, DNB, FDS +12 more
KM
Kevin McVeigh
Credit Suisse Group AG
7 questions for EFX
Also covers: ACN, ADP, ALIT +15 more
Faiza Alwy
Deutsche Bank
6 questions for EFX
Also covers: ABM, ADV, ARMK +18 more
SR
Shlomo Rosenbaum
Stifel, Nicolaus & Company, Incorporated
6 questions for EFX
Also covers: ARMK, CCC, CCCS +19 more
AN
Andrew Nicholas
William Blair & Company
5 questions for EFX
Also covers: AMTD, CBZ, CLVT +16 more
Arthur Truslove
Citi
5 questions for EFX
Also covers: ULS
Jason Haas
Wells Fargo
5 questions for EFX
Also covers: ASGN, CTAS, ECL +12 more
Kyle Peterson
Needham & Company
5 questions for EFX
Also covers: AFRM, ALIT, AX +14 more
SC
Simon Clinch
Redburn Atlantic
5 questions for EFX
Also covers: CME, FICO, ICE +4 more
Jeff Meuler
Robert W. Baird & Co.
4 questions for EFX
Also covers: FICO, IT, KLC +3 more
Jeffrey Meuler
Robert W. Baird & Co. Incorporated
4 questions for EFX
Also covers: BFAM, CSGP, FICO +7 more
ST
Surinder Thind
Jefferies Financial Group
4 questions for EFX
Also covers: ASGN, CLVT, CSGP +25 more
Ashish Sabadra
RBC Capital Markets
3 questions for EFX
Also covers: ADP, CBOE, CLVT +20 more
George Tong
Goldman Sachs
3 questions for EFX
Also covers: ADT, BCO, BFAM +25 more
KF
Keen Fai Tong
Goldman Sachs Group Inc.
3 questions for EFX
Also covers: ADT, BCO, BFAM +21 more
MP
Manav Patnaik
Barclays
3 questions for EFX
Also covers: BFAM, CLVT, CTAS +17 more
Matthew O'Neill
Financial Technology Partners
3 questions for EFX
Also covers: AFRM, ETOR, EXFY +7 more
RG
Ryan Griffin
BMO Capital Markets
3 questions for EFX
Also covers: AMN, ASGN, COUR +5 more
AM
Aaron MacNeil
TD Cowen
2 questions for EFX
Also covers: BLDP, EFXT, ENB +4 more
Brendan Lynch
Barclays
2 questions for EFX
Also covers: AMT, BXP, CCI +24 more
DB
David Bother
RBC Capital Markets
2 questions for EFX
David Paige
RBC Capital Markets
2 questions for EFX
Also covers: ADP, APG, AXON +6 more
J
Jimmy
Wells Fargo & Company
2 questions for EFX
Also covers: CTAS
John Gibson
BMO Capital Markets
2 questions for EFX
Also covers: NOA, PDS, RBA
OL
Owen Lau
Oppenheimer & Co. Inc.
2 questions for EFX
Also covers: BLSH, CLVT, CME +9 more
Rayna Kumar
Oppenheimer & Co. Inc.
2 questions for EFX
Also covers: AFRM, BLSH, CPAY +14 more
SA
Simon Alistair Clinch
Redburn Atlantic
2 questions for EFX
Also covers: CME, FICO, ICE +3 more
TM
Tim Monachello
ATB Capital Markets
2 questions for EFX
Also covers: EFXT, NOA, PDS
ZL
Zach Lasich
FT Partners
2 questions for EFX
AS
Andrew Stein
FT Partners
1 question for EFX
Also covers: FICO, HOOD, LMND
Brandon Barron
Needham & Company, LLC
1 question for EFX
Brendan Popson
Barclays
1 question for EFX
Also covers: DNB, FDS, IT
DP
David Paige Papadogonas
RBC Capital Markets
1 question for EFX
Also covers: ADP, ADT, APG +5 more
JD
Joshua Dennerlein
BofA Securities
1 question for EFX
Also covers: AHR, AMH, ARE +20 more
KS
Kwun Sum Lau
Oppenheimer
1 question for EFX
Also covers: CBOE, CLVT, CME +9 more
Recent press releases and 8-K filings for EFX.
Enerflex announces Q4 2025 results
EFX
Earnings
M&A
Share Buyback
- Enerflex reported Q4 revenue of $627 million, up from $561 million in Q4 2024, and adjusted EBITDA of $123 million.
- Signed a definitive agreement to divest the majority of its APAC operations to INNIO, expected to close in H2 2026, to sharpen focus on North America, Latin America, and the Middle East.
- Engineered Systems backlog was $1.1 billion at December 31, 2025, with Q4 bookings of $377 million and a book-to-bill ratio of 1.1x.
- Generated a record $141 million of free cash flow in Q4, reduced net debt to $501 million (bank-adjusted net debt/EBITDA ~1x).
- Provided 2026 organic capex guidance of $175–195 million (including $90–100 million growth capital) and continues its NCIB for share repurchases through March 2026.
1 day ago
Equifax reports acceleration in U.S. consumer debt
EFX
- Total U.S. consumer debt reached $18.20 trillion by December 2025, with annual growth accelerating versus December 2023 and 2024.
- Delinquencies remain elevated: 5.7% of consumers were 60+ days past due in Q4 2025, down from a 6.8% peak in Q3 2025 but still above pre-pandemic norms.
- Bankcard balances rose to $1.12 trillion (+4.1% YoY) while 60+ day bankcard delinquency eased to 3.03% (from 3.16%).
- Auto loan and lease balances totaled $1.685 trillion (+1% YoY); severe auto delinquency ticked up to 1.61% and write-offs fell to 25.9 bps; outstanding lease balances climbed 7.6% to $95.8 billion.
- Student loan balances declined 1.4% YoY to $1.33 trillion, with the severe delinquency rate stabilizing at 16.39%.
3 days ago
Equifax beats Q4 revenue estimates, posts 9% gain
EFX
Earnings
Share Buyback
Guidance Update
- Equifax reported Q4 revenue of $1.551 billion, up 9% year-over-year, topping estimates; adjusted EPS was $2.09 (beat) while GAAP EPS of $1.44 missed.
- Strong segment performance: 20% U.S. Mortgage revenue growth, 12% U.S. Information Solutions growth (including 33% Mortgage), and 5% local-currency international growth.
- Free cash flow margin improved to 22%, and the company returned $561 million to shareholders, including $500 million for repurchasing 2.3 million shares under its $3 billion buyback program.
- Management guided Q1 revenue of $1.60–$1.63 billion and 2026 revenue of $6.72 billion with adjusted EPS of $8.50, citing headwinds in U.S. mortgage and hiring markets.
Feb 4, 2026, 1:57 PM
Equifax reports Q4 2025 results
EFX
Earnings
Guidance Update
Share Buyback
- Q4 revenue rose 9% y/y, generating Adj EPS $2.09, $0.06 above October guidance; Adj EBITDA margin 32.8%
- FY 2025 revenue reached $6.075 B (+7%), Adj EPS $7.65 (+5%), Free Cash Flow $1.13 B (+40%), with cash conversion 120%
- Returned $561 M to shareholders in Q4 via $500 M buybacks and $61 M dividends; $1.2 B returned in 2025
- 2026 guidance: revenue $6.66–6.78 B (+9.6–11.6%), Adj EPS $8.30–8.70 (+8.5–13.7%), Adj EBITDA margin 31.3–31.8%
Feb 4, 2026, 1:30 PM
Equifax reports Q4 2025 results
EFX
Earnings
Guidance Update
Share Buyback
- Revenue rose 9% to $1.551 B, exceeding October guidance by $30 M, driven by strong workforce solutions and USIS mortgage performance.
- EBITDA of $508 M with a 32.8% margin, and EPS of $2.09, $0.06 above the midpoint of guidance.
- Free cash flow of $1.13 B with 120% conversion; $1.2 B returned to shareholders in 2025, including $927 M in share repurchases and $233 M in dividends.
- 2026 guidance calls for 10.6% reported revenue growth (10% constant currency; 7% ex-FICO), 10% EBITDA growth to $2.12 B, EPS of $8.50, and over $1 B free cash flow.
Feb 4, 2026, 1:30 PM
Equifax reports Q4 2025 results and 2026 guidance
EFX
Earnings
Guidance Update
Product Launch
- 2025 full-year results: Revenue of $6.075 B (up 7% reported & organic constant currency), EPS of $7.65, and free cash flow of $1.13 B, all above guidance and within the 7–10% long-term revenue growth framework.
- Segment performance: Workforce Solutions revenue +6% with 51.5% EBITDA margin (Q4 +9%); USIS revenue +10% with margins up 70 bp; International constant-$ revenue +6% with ~100 bp margin expansion; cloud migration on track for mid-2026 completion.
- Innovation & product rollouts: Achieved a record 15% new-product vitality (~$900 M revenue) powered by 90% cloud-native operations and AI; launched Twin Indicator income & employment data solution in mortgage, auto, and card markets.
- 2026 guidance: Revenue expected +10.6% reported (+10% CC) with EPS of $8.50 (+11%) and ≥100% free cash flow conversion; ex-FICO growth ~7% with EBITDA margin expansion of 75 bp, while FICO mortgage royalties will rise to ~6% of revenue, weighing on reported margins.
Feb 4, 2026, 1:30 PM
Equifax reports Q4 2025 results and 2026 outlook
EFX
Earnings
Guidance Update
Share Buyback
- Full-year 2025 revenue of $6.075 billion, EPS of $7.65, and free cash flow of $1.13 billion; revenue +7% organic on constant currency basis.
- Q4 2025 EBITDA was $508 million (32.8% margin) and EPS was $2.09; returned $561 million to shareholders, including $500 million in share repurchases.
- 2026 guidance: total revenue +10.6% (reported) / +10% (constant currency) with ex-FICO growth of ~7%; EBITDA of $2.12 billion (+10%) and EPS of $8.50; free cash flow >$1 billion.
- FICO mortgage score royalties pass-through will rise from ~3% to ~6% of revenue in 2026, reducing reported EBITDA margins by >200 bps, while ex-FICO margins are expected to expand by 75 bps.
Feb 4, 2026, 1:30 PM
Equifax announces Q4 2025 results and issues 2026 guidance
EFX
Earnings
Guidance Update
Share Buyback
- Equifax reported fourth-quarter 2025 revenue of $1.551 billion, up 9% year-over-year, and diluted EPS of $1.44 versus $1.39 in Q4 2024.
- Full-year 2025 revenue totaled $6.075 billion, up 7%, with diluted EPS of $5.32 versus $4.84 in 2024.
- By segment in Q4, Workforce Solutions revenue grew 9% to $652.2 million, U.S. Information Solutions (USIS) grew 12% to $526.9 million, and International grew 7% to $371.5 million.
- The company returned $561 million of cash to shareholders in Q4, including a $500 million share repurchase (2.3 million shares) under its $3 billion buyback program.
- For full-year 2026, Equifax expects revenue of $6.72 billion at the midpoint (≈10.5% growth) and Adjusted EPS of $8.50, assuming a modest downturn in U.S. mortgage markets.
Feb 4, 2026, 11:32 AM
Equifax reports Q4 2025 results
EFX
Earnings
Guidance Update
Share Buyback
- Equifax delivered $1.551 billion in fourth-quarter revenue, up 9% year-over-year and $30 million above guidance midpoint.
- U.S. Mortgage revenue grew 20%, Workforce Solutions revenue rose 9%, USIS revenue increased 12%, and International revenue was up 7% in Q4.
- Returned $561 million to shareholders in the quarter, including repurchasing 2.3 million shares for $500 million.
- Generated $1.13 billion in free cash flow for full-year 2025, a 40% increase from the prior year.
- Issued 2026 guidance for $6.72 billion in revenue (≈10.5% growth) and $8.50 adjusted EPS.
Feb 4, 2026, 11:30 AM
Equifax launches Income Confirm to enhance credit card origination
EFX
Product Launch
- Equifax introduced Income Confirm, a new product that integrates verified employment and income data from The Work Number with its consumer credit report.
- Income Confirm delivers applicants’ current job status and calculated annual income, enabling lenders to better assess risk and expedite approvals.
- The offering supports both decisioning and credit line assignment stages, helping lenders optimize initial credit lines based on true ability to pay.
- Provided data points include employee name/SSN, employer name, employment status, and annualized income.
Jan 26, 2026, 12:45 PM
Quarterly earnings call transcripts for EQUIFAX.
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