EFX
Equifax Inc.218.53
+1.51+0.7%
Dec 16, 4:00:02 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
26.92BP/E (TTM)
41.31Basic EPS (TTM)
5.29Dividend Yield
0.01%Recent Filings
8-K
Equifax tops Q3 guidance
Equifax beat Q3 expectations with $1.545 billion in revenue, up 7% year-over-year, fueled by 13% U.S. mortgage growth and 5% in Workforce Solutions despite hiring and mortgage market headwinds. The company raised full-year guidance, boosting revenue outlook by $40 million to $6.045 billion midpoint and Adjusted EPS by $0.12 to $7.60, while introducing discounted VantageScore 4.0 pricing to cut homebuyer costs and expand scoring access. Strong cash flow hit over 100% conversion. Antitrust litigation costs pose a minor drag.
10-Q
Q3 FY2025 results
Equifax posted solid Q3 results, with operating revenue climbing 7% year-over-year to $1,544.9 million, fueled by 11% growth in U.S. Information Solutions from mortgage pricing gains and 5% in Workforce Solutions via verification services. Operating income rose 7% to $264.3 million, holding a steady 17.1% margin, while diluted EPS improved 14% to $1.29 on 124.1 million shares. Cash from operations hit $1,144.9 million year-to-date, funding $351.4 million in capex and $427.4 million in buybacks; free cash flow stood at $793.5 million (derived). Debt eased to $4,813.1 million with $1.4 billion revolver availability and $189.0 million in cash. Restructuring charges of $43.9 million reflect cloud transformation efforts. Yet regulatory scrutiny in data accuracy lingers as a key risk.
8-K
Equifax beats Q2 guidance
Equifax reported Q2 2025 revenue of $1.537 billion, up 7% reported and 8% local currency from last year, beating guidance by $27 million despite U.S. mortgage and hiring headwinds. U.S. Mortgage revenue surged 14%, Workforce Solutions grew 8% with Verification Services up 10%, and new product innovation hit a 14% Vitality Index. The company returned $190 million to shareholders, including $127 million in repurchases. Yet uncertainties in economy and rates prompt maintaining full-year local currency guidance at 6% growth midpoint.
10-Q
Q2 FY2025 results
Equifax Inc. reported solid Q2 2025 results with revenue up 7% year-over-year to $1,537 million, driven by growth in Verification Services and USIS segments, while international revenue grew 4% amid FX headwinds. Operating income rose 10% to $310.8 million with margins expanding 0.5 points to 20.2%, supported by revenue growth and cost controls. Net income attributable to Equifax increased 17% to $191.3 million, with diluted EPS up 17% to $1.53. Cash from operations surged 35% to $585 million YTD, bolstering liquidity with $189 million in cash and $1.3 billion revolver availability. Debt reduced 11% to $4.9 billion, improving the leverage ratio. No M&A or impairments noted; focus remains on organic growth and tech transformation.
8-K
Equifax USIS leader departs
Equifax announced the departure of Todd Horvath, Executive Vice President and President of U.S. Information Solutions, effective June 1, 2025, after just over a year in the role. CEO Mark Begor will lead the unit during the successor search. Horvath receives $2.9 million in severance and $3.2 million for forfeited new-hire equity, but other unvested awards vanish. Leadership transition tests USIS stability amid ongoing operations.
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