Market Overview - Stock futures are mixed, showing signs of stabilization after a downturn in software and AI-related technology stocks, leading some investors to view the selloff as a buying opportunity [1] - Defensive sectors and commodity-linked assets are gaining interest, particularly as gold prices have risen above $5,000 per ounce, indicating strong demand for safe havens amid market uncertainty [1] Pre-Market Trading - In pre-market trading, S&P 500 futures rose by 0.11%, Nasdaq futures fell by 0.34%, and Dow futures increased by 0.22% [2] Company Movements - Silicon Labs (SLAB) shares surged by 49% following a definitive agreement for acquisition by Texas Instruments (TXN) at $231 per share in an all-cash transaction [3] - Texas Instruments (TXN) shares declined by 3% after announcing the acquisition of Silicon Labs [6] - Other notable stock movements include Eli Lilly (LLY) up 9%, Johnson Controls (JCI) up 5%, and AMD (AMD) down 10% [6]

Core Viewpoint - Equifax Inc. has demonstrated strong financial performance in the fourth quarter of 2025, with significant revenue growth and earnings surpassing estimates, despite facing margin pressures and a challenging industry environment [2][3][4]. Financial Performance - Equifax reported fourth-quarter revenues of $1.6 billion, exceeding consensus estimates by 1.3% and reflecting a 9.2% year-over-year increase [3]. - The company's earnings per share (EPS) for the fourth quarter were $2.09, surpassing the Zacks Consensus Estimate by 2.5% [2]. - Revenue growth was driven by Workforce Solutions and USIS segments, with respective year-over-year increases of 9% and 12% [3]. Market Position and Outlook - Morgan Stanley set a price target of $244 for Equifax, indicating a potential price increase of approximately 34.78% from its current price of $181.04 [2][6]. - Equifax's market capitalization is approximately $22.3 billion, with a trading volume of 4,826,833 shares on the NYSE [5]. Industry Context - Over the past year, Equifax shares have declined by 34.7%, which is less severe than the 41.6% drop experienced by the industry [4]. - The Zacks S&P 500 composite has seen an 18.5% increase, indicating a challenging environment for the credit reporting industry [4].

Gen and Equifax Expand Partnership to Deliver Comprehensive Solutions for Consumers' Financial Lives [Accessibility Statement] Skip Navigation--(PRNewsfoto/Gen Digital Inc.)EquifaxGen to leverage Equifax differentiated data to enhance its AI-powered portfolio; Equifax to leverage the power of Engine by Gen to provide personalized recommendations to myEquifax customersNEW YORK and ATLANTA, Feb. 4, 2026 /PRNewswire/ -- [Gen Digital](NASDAQ: GEN) and [Equifax]® (NYSE: EFX) today announced an expanded partnersh ...

Key Takeaways EFX posted EPS of $2.09 and revenues of $1.6B, beating estimates, with total revenues up 9.2% y/y.Revenues from Workforce Solutions, USIS and International rose 9%, 12% and 7% y/y, respectively.Adjusted EBITDA moved higher, but margins dipped and the Q1 EPS view came in below consensus estimates.Equifax Inc. (EFX) has reported impressive fourth-quarter 2025 results, wherein earnings and revenues surpassed the Zacks Consensus Estimate.EFX posted $2.09 in EPS, beating the Zacks Consensus Estimat ...

Equifax (NYSE:EFX) Q4 2025 Earnings call February 04, 2026 08:30 AM ET Company ParticipantsBrendan Lynch - CFADavid Bother - Investment Banking VPJason Haas - CFAJohn Gamble - CFOMark Begor - CEOTrevor Burns - SVP of Investor RelationsConference Call ParticipantsAndrew Steinerman - Stock AnalystArthur Trusolve - Equity Research AnalystCraig Huber - Equity Research AnalystFaiza Alwy - Stock AnalystJeff Meuler - Stock AnalystKelsey Zhu - Senior Research AnalystKevin McVeigh - Stock AnalystScott Wurtzel - Equi ...

Equifax (NYSE:EFX) Q4 2025 Earnings call February 04, 2026 08:30 AM ET Company ParticipantsBrendan Lynch - CFADavid Bother - Investment Banking VPJason Haas - CFAJohn Gamble - CFOMark Begor - CEOTrevor Burns - SVP of Investor RelationsConference Call ParticipantsAndrew Steinerman - Stock AnalystArthur Trusolve - Equity Research AnalystCraig Huber - Equity Research AnalystFaiza Alwy - Stock AnalystJeff Meuler - Stock AnalystKelsey Zhu - Senior Research AnalystKevin McVeigh - Stock AnalystScott Wurtzel - Equi ...

Equifax (NYSE:EFX) Q4 2025 Earnings call February 04, 2026 08:30 AM ET Speaker2Good morning, and welcome to the Equifax Q4 2025 earnings conference call. At this time, all participants are in a listen-only mode. The question and answer session will follow the formal presentation. If anyone should require operator assistance during the conference, please press star zero on your telephone keypad. Please note, this conference is being recorded. I will now turn the conference over to Trevor Burns, SVP of Invest ...

4Q25 Earnings Review PROPRIETARY | 2 Non-GAAP & Other Disclosures Statement Non-GAAP Disclosure Statement This presentation contains certain non-GAAP financial measures, including Adj EPS, Adj EBITDA, and Cash Conversion, which reflect adjustments for certain items that affect the comparability of our underlying operational performance. Adjusted EPS is defined as net income adjusted for acquisition-related amortization expense of certain acquired intangibles, accrual for legal and regulatory matters related ...

Equifax reported higher fourth-quarter revenue as its mortgage and workforce solutions businesses shrugged off weakness in the broader housing and hiring markets. ...

Revenue Performance - Fourth quarter 2025 revenue reached $1.551 billion, a 9% increase, exceeding guidance by $30 million[1] - U.S. Mortgage revenue grew by 20% in Q4 2025, despite a decline in the overall mortgage market[3] - Workforce Solutions revenue increased by 9%, with Verification Services up 10% and Diversified Markets up 11%[3] - USIS revenue rose by 12%, driven by a 33% increase in Mortgage revenue and 5% growth in Diversified Markets[3] - International revenue grew by 5% in local currency, led by Latin America[3] - Total operating revenue for 2025 reached $6,074.5 million, reflecting a 7% increase from $5,681.1 million in 2024[33] - Total U.S. Information Solutions revenue grew by 10% to $2,078.5 million in 2025, compared to $1,893.0 million in 2024[33] - The company reported a 10% organic local currency revenue growth in the U.S. Information Solutions segment for 2025[34] - Total international revenue increased by 4% to $1,413.7 million in 2025, compared to $1,354.3 million in 2024[33] Financial Metrics - Free cash flow for 2025 was $1.13 billion, a nearly 40% increase from the previous year[2] - Consolidated net income attributable to Equifax for Q4 2025 was $175.8 million, compared to $174.0 million in Q4 2024, a slight increase of 1.0%[27] - Basic earnings per share for Q4 2025 was $1.45, up from $1.40 in Q4 2024, representing a 3.6% increase[27] - Net income attributable to Equifax for the full year 2025 was $660.3 million, an increase of 9.3% from $604.1 million in 2024[28] - Basic earnings per share for the full year 2025 was $5.36, up from $4.88 in 2024, indicating a 9.8% increase[28] - Adjusted net income attributable to Equifax for 2025 was $949.2 million, a 4% increase from $910.1 million in 2024[36] - Operating income for the year ended December 31, 2025, was $1,095.2 million, compared to $1,095.2 million in 2024, indicating stable performance despite challenges[43] Expenses and Costs - Total operating expenses for Q4 2025 were $1,266.4 million, up from $1,131.3 million in Q4 2024, reflecting a 11.9% increase[27] - Total operating expenses for the full year 2025 were $4,979.3 million, compared to $4,639.0 million in 2024, marking a 7.3% increase[28] - The company recorded acquisition-related amortization expense of $250.2 million for the year ended December 31, 2025, compared to $261.1 million in 2024[37] - Restructuring charges for the year ended December 31, 2025, amounted to $49.9 million, primarily related to resource realignment[37] - The company incurred $35.0 million in acquisition-related costs other than amortization for the year ended December 31, 2025, down 49% from $68.4 million in 2024[40] - A legal settlement charge of $30.0 million was recorded in Q4 2025, a 100% increase from $15.0 million in Q4 2024[40] Shareholder Returns - The company returned $561 million to shareholders in Q4 2025, including $500 million for share repurchases[2] - The company paid dividends of $232.8 million to shareholders in 2025, an increase from $193.2 million in 2024[30] Future Outlook - Full-year 2026 revenue guidance is set at $6.72 billion, reflecting a 10.5% increase, with Adjusted EPS expected to be $8.50 per share[4] - The company is focusing on growth and innovation through new Cloud capabilities and EFX.AI to drive future revenue[5] Operational Efficiency - The Vitality Index reached a record 17% in Q4 2025, surpassing the long-term goal of 10%[3] - Adjusted EBITDA for the year ended December 31, 2025, was $1,935.3 million, reflecting a 5% increase from $1,836.1 million in 2024[40] - The adjusted EBITDA margin for the year ended December 31, 2025, was 31.9%, slightly down from 32.3% in 2024[40] - Adjusted EBITDA for Q4 2025 was $508.2 million, with an adjusted EBITDA margin of 32.8%, compared to $501.9 million and a margin of 35.4% in Q4 2024[43][44] - Adjusted EBITDA for the U.S. Information segment was $334.5 million in Q4 2025, with an adjusted EBITDA margin of 51.3%, reflecting strong operational efficiency[43] Asset and Liability Overview - Total assets as of December 31, 2025, were $11,864.2 million, compared to $11,759.4 million as of December 31, 2024, reflecting a 0.9% increase[29] - Total liabilities as of December 31, 2025, were $7,126.0 million, an increase from $6,839.8 million in 2024, representing a 4.2% rise[29] Legal and Regulatory Matters - Legal and regulatory accruals related to the 2017 cybersecurity incident were $1.0 million for the year ended December 31, 2025[47] - Antitrust litigation costs for Q4 2025 amounted to $1.2 million ($0.9 million, net of tax) and $5.4 million ($4.1 million, net of tax) for the full year 2025[58]