Equifax(EFX)

Search documents
Why Equifax Might Surprise This Earnings Season
ZACKS· 2025-07-21 14:16
Investors are always looking for stocks that are poised to beat at earnings season and Equifax Inc. (EFX) may be one such company. The firm has earnings coming up pretty soon, and events are shaping up quite nicely for their report.That is because Equifax is seeing favorable earnings estimate revision activity as of late, which is generally a precursor to an earnings beat. After all, analysts raising estimates right before earnings — with the most up-to-date information possible — is a pretty good indicator ...
Equifax Gears Up to Report Q2 Earnings: What's in the Offing?
ZACKS· 2025-07-17 15:56
Core Insights - Equifax (EFX) is set to report its second-quarter 2025 results on July 22, with earnings expected to be $1.92 per share, reflecting a 5.5% year-over-year increase, and revenues projected at $1.51 billion, indicating a 5.9% rise year-over-year [1][8] Revenue Expectations - Revenue growth is anticipated to be driven by improved segmental performances, with strong margin expansion benefiting the bottom line [2] - Workforce Solutions revenues are estimated to grow marginally to $652.8 million, while U.S. Information Solutions (USIS) revenues are expected to reach $509.2 million, a 6.5% increase from the previous year, largely due to strong mortgage performance [3][8] - Total international revenues are projected to increase by 6.5% to $361.3 million, supported by robust growth in Latin America, Canada, Australia, and Europe [4][8] EBITDA Projections - Adjusted EBITDA for the USIS and International segments is expected to grow by 13.2% to $179.6 million and by 9.7% to $95.3 million, respectively, driven by strong revenue growth and disciplined cost execution [4][8] - Adjusted EBITDA for Workplace Solutions is anticipated to be $339.3 million, reflecting a 4.8% increase from the previous year [5] Earnings Prediction Model - The model indicates a likely earnings beat for Equifax, supported by a positive Earnings ESP of +1.46% and a Zacks Rank of 3 [6]
Equifax Announces Earnings Release Date and Conference Call for Second Quarter 2025 Results
Prnewswire· 2025-07-08 20:20
Financial Results Announcement - Equifax will announce its financial results for the second quarter ended June 30, 2025, on July 22 at 6:30 a.m. ET [1] - A conference call will be hosted by senior management at 8:30 a.m. ET on the same day to discuss the financial and business results [1] Conference Call Details - Participants can join the conference call by dialing the US/Canada number 877-559-1190 or the international number +1 201-389-0916 [2] - Registration is required 5-10 minutes prior to the call, including name and affiliation [2] - A webcast will be available for viewing, with the link becoming active 15 minutes before the scheduled start time [2] Audio Replay - An audio replay of the conference call will be accessible on investor.equifax.com starting July 23 [3] Company Overview - Equifax is a global data, analytics, and technology company, playing a crucial role in the global economy by assisting various entities in making informed decisions [4] - The company is headquartered in Atlanta and employs nearly 15,000 individuals worldwide, with operations or investments in 24 countries across multiple regions [4]
Why Equifax (EFX) is a Top Growth Stock for the Long-Term
ZACKS· 2025-07-08 14:45
Company Overview - Equifax Inc. is a global data, analytics, and technology company providing information solutions and human resources business process outsourcing services for various sectors including businesses, governments, and consumers [11] - The company's services are based on comprehensive databases of consumer and business information derived from multiple sources such as credit, financial assets, telecommunications, utility payments, employment, income, demographic, and marketing data [11] Investment Ratings - Equifax is currently rated 3 (Hold) on the Zacks Rank, indicating a neutral outlook [12] - The company has a VGM Score of B, suggesting a favorable combination of value, growth, and momentum characteristics [12] Growth Potential - Equifax is considered a top pick for growth investors, with a Growth Style Score of B [12] - The company is forecasted to achieve year-over-year earnings growth of 4.4% for the current fiscal year [12] - Recent upward revisions in earnings estimates by two analysts in the last 60 days have led to an increase in the Zacks Consensus Estimate by $0.01 to $7.61 per share [12] - Equifax has demonstrated an average earnings surprise of +4.2%, indicating a positive trend in earnings performance [12] Conclusion - With a solid Zacks Rank and strong Growth and VGM Style Scores, Equifax is recommended for inclusion on investors' short lists [13]
Equifax (EFX) FY Earnings Call Presentation
2025-07-08 09:22
Strategic Priorities & Financial Performance - Equifax is executing against its EFX2025 strategic priorities, despite a tougher mortgage market[2] - The company is delivering spending reductions of $210 million in 2023 and $250 million in 2024[2] - Equifax is outperforming underlying EWS markets, expanding records and penetration[2] - The new long-term financial framework targets organic revenue growth of 7-10% and total growth of 8-12%[4] - The framework also aims for EBITDA margin improvement of +50 bps and cash EPS growth of 12-16%[4] Acquisitions & Expansion - The Boa Vista Serviços (BVS) acquisition closed in August, adding $160 million run-rate revenue in a $2 billion addressable market[6] - BVS is estimated to have a ~$700 million credit bureau market, ~$760 million debt renegotiation market, and ~$190 million e-commerce anti-fraud market in Brazil[7] - The acquisition is expected to be slightly accretive to EPS in year 1[8] - The fast-growing Brazil market is adding $2 billion to Equifax's total addressable market (TAM)[13] Innovation & Technology - The Vitality Index is above the 10% long-term goal, with over 30 new product innovations (NPIs) in the quarter and 65 year-to-date[19] - Over 80% of new product revenue is from non-mortgage NPIs[23] - Mortgage inquiries are tracking an unprecedented 40% below historical levels in 2023[37]
Equifax(EFX) - 2024 FY - Earnings Call Presentation
2025-07-08 09:21
Financial Performance & Growth - Equifax aims for 8-12% long-term revenue growth, including 1-2% from M&A[6, 10, 40] - The company anticipates a ~$1.1 billion revenue upside from a return to normal mortgage market conditions in 2025+[6, 33, 35, 40] - Equifax is targeting a ~50 BPs EBITDA margin improvement[6, 10, 40] - The company expects to return cash to shareholders in 2025+ through dividend growth and buybacks[6, 40] Strategic Initiatives & Technology - Equifax is migrating to the EFXCloud, with ~90% of revenue expected to be in the cloud by year-end[6, 12] - The company is focused on New Product Innovation (NPI), targeting a 10%+ vitality index[6, 25, 40] - Equifax is leveraging EFX AI/ML, with 89% of new models built using AI/ML in 2Q[6, 28] Segment Performance & Opportunities - In the first half of the year, non-mortgage revenue was up 11%[6] - EWS Government revenue grew strongly by 30% in 2Q, with a $5 billion Total Addressable Market (TAM)[18, 19] - TWN active records increased by 12% to 180 million in 2Q[21, 22]
New Survey from Kompliant and Equifax Highlights the Importance of Advanced Compliance Technology in Maintaining a Competitive Advantage
Prnewswire· 2025-06-26 11:00
Core Insights - The survey conducted by Kompliant and Equifax reveals that financial organizations are transforming compliance from a cost center into a revenue driver through intelligent solutions [2][4] - A significant 55% of financial firms are exploring or implementing AI/ML technologies for compliance functions, indicating a strong trend towards automation in the industry [5] Group 1: Compliance Strategy and Technology Adoption - 56% of financial organizations involve their CEO directly in compliance technology decisions, highlighting the strategic importance of these investments [5] - 90% of institutions believe that technological advancement is critical for maintaining a competitive advantage in risk management [5] - 99% of financial services organizations now rely on compliance technology, showcasing its integral role in operations [5] Group 2: Emerging Technologies and Concerns - 55% of financial firms are exploring or implementing AI/ML for compliance functions, making it the top emerging technology in the sector [5] - 50% of organizations seek real-time risk monitoring capabilities, while 47% desire advanced AI analytics [5] - 68% of financial organizations remain cautious about adopting emerging technologies due to security concerns [5] Group 3: Industry Context and Future Directions - The survey comes at a critical time as the financial services industry faces increasingly complex regulations and transformative technological innovations [3] - The partnership between Kompliant and Equifax aims to deliver industry-leading fraud prevention and risk management services, addressing the need for intuitive compliance programs [4]
Equifax's Cloud Not A Moat, Analyst Says In Downgrade Slashing Estimates
Benzinga· 2025-06-23 18:09
Core Viewpoint - Bank of America Securities downgraded Equifax, Inc. from Buy to Neutral due to underwhelming performance during the company's recent investor day and tempered growth expectations [1][4]. Financial Projections - Equifax projects a long-term revenue growth rate of 8%-12%, with 7%-10% expected to be organic growth and 1%-2% from mergers and acquisitions [1]. - For fiscal 2025, Equifax guided revenues between $5.91 billion and $6.03 billion, slightly below the consensus of $5.96 billion [2]. - The company anticipates adjusted earnings per share (EPS) of $7.25-$7.65, compared to the consensus of $7.48 [2]. Sales and Earnings Estimates - Equifax expects second-quarter sales between $1.49 billion and $1.53 billion, aligning closely with the consensus of $1.5 billion [3]. - Adjusted EPS for the second quarter is projected to be $1.85-$1.95, slightly below the consensus of $1.89 [3]. - Analyst Joshua Dennerlein revised 2025 adjusted EPS estimates down to $7.58 from $7.63 and 2026 estimates to $8.91 from $9.22, indicating reduced growth expectations [3]. Analyst Insights - The analyst expressed disappointment that Equifax did not update its long-term growth outlook, which was initially provided in 2021 [4]. - Concerns were raised regarding Equifax's transition to a cloud-native platform, which may not provide a long-term competitive advantage [5]. - Future growth is expected to rely on product innovation leveraging unique data assets, rather than solely on the cloud transformation [5]. Market Conditions - A recovery in the mortgage market is seen as a critical factor for Equifax's growth prospects, although the timing of such a recovery remains uncertain [6]. - Following the downgrade, EFX stock was trading lower by 1.65% at $251.47 [6].
Equifax (EFX) 2025 Investor Day Transcript
2025-06-17 14:00
Equifax (EFX) 2025 Investor Day Summary Company Overview - Equifax is transitioning to a cloud-native data analytics company, emphasizing the completion of its cloud infrastructure and leveraging differentiated data assets for innovation and growth [1][2][3][4][5][6][7][8][9][10]. Strategic Priorities - **Innovation and New Products**: Focus on accelerating innovation and introducing new products to enhance customer value [4][6][12]. - **Cloud Utilization**: Achieved 90% completion of cloud infrastructure in North America, aiming to leverage this for competitive advantage [5][6][12][35]. - **Differentiated Data Assets**: Emphasizes unique data assets that competitors lack, particularly in income and employment data [6][7][38][41]. - **AI Integration**: Significant investments in AI to enhance product performance and market share [8][47][48]. - **Customer-Centric Approach**: Prioritizing customer and consumer needs as a core value [9][12]. Financial Metrics and Growth Projections - **Long-Term Growth Rate**: Reaffirmed long-term organic growth rate of 7% to 10%, with overall growth expectations of 8% to 12% [12][22][83]. - **Revenue Recovery**: Anticipates recovery in mortgage market contributing to revenue growth, with projections of $1 billion incremental revenue translating to $700 million EBITDA [70][71][88]. - **Capital Allocation**: Plans to invest approximately $1 billion annually in growth CapEx and maintain a $3 billion stock buyback program [15][66][67]. Market Opportunities - **Total Addressable Markets (TAM)**: Identified significant growth opportunities in government ($5 billion) and talent ($5 billion) sectors, alongside a broader $50 billion marketplace [21][23][32]. - **Subscription Revenue Growth**: Subscription revenue now constitutes 25% of total revenue, growing at 14%, indicating a shift towards more stable revenue streams [72][75]. Competitive Advantages - **Cloud-Native Infrastructure**: Positioned to outperform competitors due to a fully cloud-native architecture, enhancing speed and reliability of data services [99][100]. - **Data Fabric Development**: Integration of isolated data silos into a single data fabric to improve data accessibility and quality [105]. - **Innovative Solutions**: Introduction of consumer-friendly products, such as a revamped credit report and AI-driven credit score simulator [76][78]. Key Takeaways - Equifax is confident in its strategic direction post-cloud completion, focusing on innovation, customer engagement, and leveraging unique data assets for market differentiation [84][88]. - The company is committed to returning value to shareholders through dividends and buybacks, particularly as the mortgage market recovers [66][71][88].
Equifax (EFX) 2025 Earnings Call Presentation
2025-06-17 11:09
Mark Begor Chief Executive Officer Forward-looking Statements This presentation contains certain forward-looking information, including 2025 guidance and our long-term financial framework, to help you understand Equifax and its business environment. All statements that address operating performance and events or developments that we expect or anticipate will occur in the future, including statements relating to our future operating results, improvements in our IT and data security infrastructure, the expect ...