Core Insights - The third quarter 2025 Market Pulse Index from Equifax shows a slight increase to 61.6, indicating a quarter-over-quarter rise of 0.35% and a year-over-year increase of 0.14, reflecting a stabilization in credit scores among lower tiers [1][3][4] Group 1: Market Pulse Index Overview - The Market Pulse Index synthesizes anonymized data on credit, debt, income, and assets, providing a comprehensive view of U.S. consumer financial health on a scale of 1 to 100 [2] - The index indicates that the financial divide in the "K-shaped" economy is stabilizing, with lower credit score tiers showing improvement for the first time since March 2024 [3][4] Group 2: Generational Insights - Gen Z's average Market Pulse Index improved to 59.04, up 0.71% quarter-over-quarter and 0.34% year-over-year, indicating financial progress despite variability [5][7] - Millennials have a Market Pulse Index of 58.82, showing minimal change amid financial pressures, while Gen X and Baby Boomers show steady improvements [7] - Traditionalists (Silent Generation) experienced the largest increases in their Market Pulse Index, reflecting the stabilizing effect of long-term savings [7] Group 3: Implications for Stakeholders - The financial momentum among Gen Z presents opportunities for lenders and retailers to build long-term relationships with this emerging economic force [6]

Core Viewpoint - Enerflex Ltd. is set to release its financial results and operating highlights for the year ended December 31, 2025, on February 26, 2026, prior to market opening [1]. Group 1: Financial Results Announcement - The financial results will be communicated through a news release and will be accessible on the company's website and regulatory filings [1]. - A conference call and audio webcast will take place on February 26, 2026, at 8:00 a.m. (MST) to discuss the results, followed by a question-and-answer session [2]. Group 2: Participation Details - Interested parties can register for the conference call at a provided link, after which they will receive dial-in numbers and a unique PIN [3]. Group 3: Company Overview - Enerflex is a global provider of energy infrastructure and energy transition solutions, focusing on natural gas, low-carbon, and treated water solutions [6]. - The company employs over 4,400 professionals and is committed to sustainability and the role of natural gas in the energy transition [6]. - Enerflex's shares are traded on the Toronto Stock Exchange and the New York Stock Exchange under the symbols "EFX" and "EFXT," respectively [7].

A freight forwarding professional with over 20 years in the industry, I am an enthusiastic market participant with a flair for picking gems from the general rubble. My industry experience has given me insights into human behavior, investment psychology, and the need to make money work for you instead of against you. My ideas on investing are often contrarian, and the level of due diligence I apply to each of my research projects give my audience the right information at the right time.Analyst’s Disclosure:I ...

Mar Vista Investment Partners, LLC, an investment management company, released its “Mar Vista U.S. Quality Strategy” fourth-quarter 2025 investor letter. A copy of the letter can be downloaded here. US equities experienced a strong momentum in 2025 and marked their second consecutive year of double-digit gains. The market witnessed one of the fastest recoveries following its dip into bear territory in April. Market leadership continued to narrow as Mega-cap stocks and AI-driven companies dominated the lands ...

Greater loan origination volume could mean more revenue for Fair Isaac, Equifax, and TransUnion, says Clear Street. ...

Equifax (NYSE: EFX) secured 27 patents in the second half of 2025, bringing the total number of patents secured for the year to 62. Twenty of these patents support the company’s approach to artificial intelligence, complementing its EFX.AI strategy and “helping to accelerate the development of cloud-based, AI-enabled solutions that help to create financial opportunities for consumers.”As of Nov 2025, Equifax has nearly “700 issued or pending patents spanning 15 countries, encompassing distinctive techniques ...

"Equifax patents protect the unique innovations created for the benefit of the customers and consumers we serve in 24 countries around the world," said Harald Schneider, Chief Data & Analytics Officer at Equifax. "We are focused on continuous innovation. Our growing suite of EFX.AI-powered solutions, made possible by the Equifax Cloudâ"¢ , our unique differentiated data, and our patented capabilities are driving higher-performing solutions and processes to help our customers get to the insights they need fa ...

Core Insights - Equifax's Social Services Outlook Index reveals that 54% of social service workers find their workplace very efficient, with 100% expecting increased efficiency in the coming year [1] - The survey emphasizes the importance of data and automation, with 57% of workers believing advancements in these areas will enhance their efficiency by 2026 [1] - Key challenges identified include changing policies (49%), insufficient staffing (41%), and lack of automation (41%) [1] Group 1: Efficiency and Technology - Nearly one in four workers (23%) anticipate that increased access to data will significantly improve workplace efficiency [2] - More than one in four (27%) believe technology and automation will most positively impact their ability to determine appropriate benefits for eligible applicants [2] - 40% of social service workers expect a significant increase in their use of technology and automation in the next year [1][2] Group 2: Complexity and Challenges - 98% of government workers foresee an increase in applicants with multiple income streams, such as gig work, complicating their roles [2][3] - 97% of workers express confidence in having the necessary information to assist these individuals, with 46% somewhat confident and 51% very confident [2] Group 3: Process Improvement - Nearly all social service workers (98%) agree that a universal intake process would enhance efficiency [3] - Suggested practical solutions for enhancing efficiency include simplifying eligibility and documentation requirements (38%), increasing internal communication (35%), and addressing accessibility barriers (34%) [4] Group 4: Experience and Advocacy - 99% of workers believe having a single caseworker for multiple programs is beneficial for beneficiaries [5] - Workers with over 10 years of experience are strong advocates for a universal intake form, with 54% supporting it compared to 43% of less experienced peers [5] - 61% of experienced workers find it very helpful for beneficiaries to have one caseworker, compared to 48% among less experienced staff [5] Group 5: Survey Methodology - The Equifax Social Services Outlook Index was conducted from August to September 2025, surveying 500 U.S. government social service workers across various levels and programs [5]

Core Viewpoint - Enerflex Ltd. has successfully completed the redemption of all its 9.00% Senior Secured Notes due 2027, utilizing proceeds from a private offering of $400 million in 6.875% senior notes due 2031 and funds from its secured revolving credit facility [1]. Group 1 - The redemption of the 9.00% Senior Secured Notes was facilitated by proceeds raised from the issuance of 2031 Notes [1]. - Enerflex issued $400 million in aggregate principal amount of 6.875% senior notes due 2031, which were issued at par and guaranteed on a senior unsecured basis by the Company [1]. - The Company does not intend to register the 2031 Notes or the related guarantees under the Securities Act or any state securities laws [2].

Core Insights - Equifax has launched a new product called Income Qualify, which provides income and employment insights to mortgage lenders during the prequalification and pre-approval phases, enhancing the value of the Equifax consumer credit file [1][2]. Group 1: Product Features - Income Qualify offers verified income and employment data earlier in the lending process, allowing lenders to conduct initial assessments more quickly and with less burden on borrowers [2][4]. - The product leverages data from The Work Number, providing key data points such as borrower name, employer name, job tenure, and prior-year total income, which aids in assessing borrower eligibility and managing costs [4][8]. Group 2: Market Context - Mortgage lenders are facing increased competition for qualified buyers, necessitating faster assessments and critical lending decisions while managing costs [3]. - Equifax aims to support home ownership affordability and believes that comprehensive data solutions like Income Qualify are essential for this goal [3][5]. Group 3: Pricing Strategy - Equifax announced a significant reduction in pricing for VantageScore 4.0 mortgage credit scores, offering them at over 50% less than FICO 2026 prices and committing to hold the $4.50 pricing for two years [5].