Inferra AI / Company / EFX
Equifax
EFX · Industrials
Last earnings Oct 20, 2026
Key results
Mortgage revenuequarter
13%
Mortgage revenue up a strong 13% despite decline in underlying Mortgage market.
SEC original ↗Equifax — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Revenuequarter
5%
Workforce Solutions third quarter revenue up 5%.
SEC original ↗Equifax — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Verification Services revenuequarter
5%
Verification Services revenue up 5% led by strong high single digit Government growth, with Non-Mortgage growth of 7% and Mortgage growth of 2%.
SEC original ↗Equifax — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Non-Mortgage revenuequarter
5%
USIS third quarter revenue up 11% with strong Mortgage revenue growth of 26% and Non-Mortgage revenue growth of 5%.
SEC original ↗Equifax — Earnings release (8-K exhibit)EX-99Oct 21, 2025
International third quarter revenue up 6% on a reported basis with 7% growth on a local currency basis led by Latin America and Canada.
SEC original ↗Equifax — Earnings release (8-K exhibit)EX-99Oct 21, 2025
EPSquarter
$0.12
Increasing full-year reported revenue by $40 million and Adjusted EPS by $0.12 per share.
SEC original ↗Equifax — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Workforce Solutions delivered 5% revenue growth, driven by Verification Services revenue growth of 5% led by Non-Mortgage revenue growth of 7% from strong high single digit growth in Government and double digit growth in Consumer Lending businesses.
SEC original ↗Equifax — Earnings release (8-K exhibit)EX-99Oct 21, 2025
USIS delivered strong revenue growth of 11%, well above their 6 to 8% Long Term Financial Framework.
SEC original ↗Equifax — Earnings release (8-K exhibit)EX-99Oct 21, 2025
AI analysis
Q3 2025 · reported Oct 21, 2025
Based on: Earnings release + parent 8-K + 10-Q — transcript not held
Headline figures
| Metric | Q3 2025 | Prior qtr | Year ago |
|---|---|---|---|
| Mortgage revenue | 13% | — | — |
| Revenue | 5% | — | — |
| Verification Services revenue | 5% | — | — |
| Non-Mortgage revenue | 5% | — | — |
| EPS | $0.12 | — | — |
Guidance · company-stated
Direction: Raised
“Increased 2025 free cash flow Guidance from $900+ million to $950 million to $975 million from strong operating performance.”
“Given our strong third quarter results, we are raising our full year 2025 reported revenue Guidance midpoint by $40 million with local currency growth of about 7% and increasing our full year Adjusted EPS Guidance by $0.12 per share.”
“We also increased our 2025 free cash flow Guidance from $900+ million to between $950 million and $975 million from our strong operating cash flow and a cash conversion ratio of over 100%, above our Long Term Financial Framework of 95%+.”
Classified from the release's primary full-year outlook statement.
Capital allocation
Returned approximately $360 million of cash to shareholders, including repurchasing 1.2 million shares for $300 million.
Given our strong free cash flow and balance sheet, we returned about $360 million of cash to shareholders in the third quarter, including repurchasing 1.2 million 1 Equifax shares for $300 million under our $3 billion share repurchase program.
Event summary
Raising 2025 Guidance given strong third quarter results
Based on: Earnings release + parent 8-K + 10-Q — transcript not held
Guidance & outlook
Direction: Raised
Company outlook: “Increased 2025 free cash flow Guidance from $900+ million to $950 million to $975 million from strong operating performance.”
Revenue: “Given our strong third quarter results, we are raising our full year 2025 reported revenue Guidance midpoint by $40 million with local currency growth of about 7% and increasing our full year Adjusted EPS Guidance by $0.12 per share.”
Company outlook: “We also increased our 2025 free cash flow Guidance from $900+ million to between $950 million and $975 million from our strong operating cash flow and a cash conversion ratio of over 100%, above our Long Term Financial Framework of 95%+.”
Company outlook — Raised (“Raising”)
“com Equifax Delivers Results Above Third Quarter Guidance Raising Full Year Guidance ATLANTA, OCTOBER 21, 2025 -- Equifax (NYSE EFX) today announced financial results for the quarter ended September 30, 2025.”
Company outlook — Raised (“Raising”)
“Raising 2025 Guidance given strong third quarter results.”
Company outlook — Raised (“Increased”)
“Increased 2025 free cash flow Guidance from $900+ million to $950 million to $975 million from strong operating performance.”
Revenue — Raised (“raising”)
“Given our strong third quarter results, we are raising our full year 2025 reported revenue Guidance midpoint by $40 million with local currency growth of about 7% and increasing our full year Adjusted EPS Guidance by $0.12 per share.”
Company outlook — Raised (“increased”)
“We also increased our 2025 free cash flow Guidance from $900+ million to between $950 million and $975 million from our strong operating cash flow and a cash conversion ratio of over 100%, above our Long Term Financial Framework of 95%+.”
Classified from the release's primary full-year outlook statement.
Capital allocation
Returned approximately $360 million of cash to shareholders, including repurchasing 1.2 million shares for $300 million.
SEC original ↗Equifax — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Given our strong free cash flow and balance sheet, we returned about $360 million of cash to shareholders in the third quarter, including repurchasing 1.2 million 1 Equifax shares for $300 million under our $3 billion share repurchase program.
SEC original ↗Equifax — Earnings release (8-K exhibit)EX-99Oct 21, 2025
and worldwide economic conditions (such as changes in interest rates and inflation levels and the evolving impact of tariffs) that materially impact consumer spending, home prices, investment values, consumer debt, unemployment rates and the demand for Equifax s products and services.
SEC original ↗Equifax — Earnings release (8-K exhibit)EX-99Oct 21, 2025
(6) Argentina experienced multiple periods of increasing inflation rates, devaluation of the peso, and increasing borrowing rates.
SEC original ↗Equifax — Earnings release (8-K exhibit)EX-99Oct 21, 2025
(4) Argentina experienced multiple periods of increasing inflation rates, devaluation of the peso, and increasing borrowing rates.
SEC original ↗Equifax — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Argentina highly inflationary foreign currency adjustment - Argentina experienced multiple periods of increasing inflation rates, devaluation of the peso, and increasing borrowing rates.
SEC original ↗Equifax — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Strategy & priorities
Our ability to deliver significant excess free cash flow to shareholders is a big milestone for Equifax as we move post-Cloud to fully focus on growth, innovation, new products, and free cash generation to continue investing in EFX for growth and return cash to shareholders.
SEC original ↗Equifax — Earnings release (8-K exhibit)EX-99Oct 21, 2025
We continued to execute very well against our EFX2027 Strategic Priorities in the quarter, despite market headwinds.
SEC original ↗Equifax — Earnings release (8-K exhibit)EX-99Oct 21, 2025
We are pivoting to leveraging our new Cloud capabilities to accelerate New Product Innovation leveraging our differentiated data assets, and investing in new products, data, analytics, and EFX.
SEC original ↗Equifax — Earnings release (8-K exhibit)EX-99Oct 21, 2025
These statements are based on certain factors and assumptions including with respect to foreign exchange rates, revenue growth, results of operations and financial performance, strategic initiatives, business plans, prospects and opportunities, the U.
SEC original ↗Equifax — Earnings release (8-K exhibit)EX-99Oct 21, 2025
These factors relate to (i) actions taken by us, including, but not limited to, restructuring actions, strategic initiatives (such as our cloud technology transformation), capital investments and asset acquisitions or dispositions, as well as (ii) developments beyond our control, including, but not limited to, changes in the U.
SEC original ↗Equifax — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Risks & headwinds
Third quarter 2025 revenue of $1.545 billion up 7% and $25 million above the midpoint of Guidance, despite headwinds from U.
SEC original ↗Equifax — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Mortgage revenue growth, strong Workforce Solutions Government vertical results, and continued momentum in New Product Innovation with a Vitality Index of 16% despite headwinds from the U.
SEC original ↗Equifax — Earnings release (8-K exhibit)EX-99Oct 21, 2025
We continued to execute very well against our EFX2027 Strategic Priorities in the quarter, despite market headwinds.
SEC original ↗Equifax — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Non-GAAP Financial Measures This earnings release presents adjusted EPS attributable to Equifax which is diluted EPS attributable to Equifax adjusted (to the extent noted above for different periods) for acquisition-related amortization expense of certain acquired intangibles, accrual for legal and regulatory matters related to the 2017 cybersecurity incident, foreign currency impact of certain intercompany loans, acquisition-related costs other than acquisition amortization, income tax effect of stock awards recognized upon vesting or settlement, Argentina highly inflationary foreign currency adjustment, realignment of resources and other costs and antitrust litigation costs.
SEC original ↗Equifax — Earnings release (8-K exhibit)EX-99Oct 21, 2025
and worldwide economic conditions (such as changes in interest rates and inflation levels and the evolving impact of tariffs) that materially impact consumer spending, home prices, investment values, consumer debt, unemployment rates and the demand for Equifax s products and services.
SEC original ↗Equifax — Earnings release (8-K exhibit)EX-99Oct 21, 2025
It may also impact financial markets and corporate credit markets, which could adversely impact our access to financing or the terms of any financing.
SEC original ↗Equifax — Earnings release (8-K exhibit)EX-99Oct 21, 2025
Competitors
Competitors & peers
Same GICS sector — classification peers, not declared competitors
Filings
30 documents- Q3 2026
- 10-QEFX
Oct 20, 2026
- 8-KEFX
Oct 20, 2026
- Q2 2026
- 8-KEFX
Jul 29, 2026
- 10-QEFX
Jul 21, 2026
- 8-KEFX
Jul 21, 2026
- Q1 2026
- 8-KEFX
Jun 16, 2026
- 8-KEFX
May 13, 2026
- 8-KEFX
Apr 24, 2026
- 10-QEFX
Apr 21, 2026
- 8-KEFX
Apr 21, 2026
- Q4 2025
- 10-KEFX
Feb 19, 2026
- 8-KEFX
Feb 4, 2026
- Q3 2025
- 10-QEFX
Oct 21, 2025
- 8-KEFX
Oct 21, 2025
- Q2 2025
- 10-QEFX
Jul 22, 2025
- 8-KEFX
Jul 22, 2025
- Q1 2025
- 8-KEFX
May 30, 2025
- 8-KEFX
May 9, 2025
- 10-QEFX
Apr 22, 2025
- 8-KEFX
Apr 22, 2025
- Q4 2024
- 10-KEFX
Feb 20, 2025
- 8-KEFX
Feb 6, 2025
- Q3 2024
- 8-KEFX
Nov 8, 2024
- 10-QEFX
Oct 21, 2024
- 8-KEFX
Oct 16, 2024
- Q2 2024
- 8-KEFX
Aug 15, 2024
- 10-QEFX
Jul 22, 2024
- 8-KEFX
Jul 17, 2024
- Q1 2024
- 8-KEFX
May 7, 2024
- 8-KEFX
May 6, 2024
Earnings releases
10 documentsPresentations
0 documentsNo presentations for Equifax are held in this edition of the library.
Transcripts
0 documentsNo transcripts for Equifax are held in this edition of the library.
Mentioned by
4 companiesOther tracked companies whose held documents mention Equifax by name or ticker. A mention is counted once per document, from the document text the library holds.
“er risks associated… …noncontrolling interests (1.7) (1.3) Net income attributable to Equifax $ 211.7 $ 160.2 Basic earnings per common share: Net income attributable to Equifax $ 1.80 $ 1.30 Weighted-average… …prior year period”
“er risks associated… …noncontrolling interests (1.2) (1.3) Net income attributable to Equifax $ 183.9 $ 191.3 Basic earnings per common share: Net income attributable to Equifax $ 1.55 $ 1.54 Weighted-average… …prior year period”
“ery facet of its infrastructure. Since 2021, Begor has overseen 14 acquisitions to expand Equifax capabilities beyond a traditional credit bureau in the markets it serves worldwide.…”
“AND SHARE REPURCHASES NEWS RELEASE CALGARY, Alberta, August 7, 2025 – Enerflex Ltd. (TSX: EFX) (NYSE:… …Q1/25, a function of higher adjusted EBITDA, lower net finance costs, and lower current tax expense. • Free cash flow was a use of cash of $39 mil”
See also the earnings calendar for every tracked company’s next earnings date.