Equifax (EFX) reported $1.44 billion in revenue for the quarter ended March 2025, representing a year-over-year increase of 3.8%. EPS of $1.53 for the same period compares to $1.50 a year ago.The reported revenue represents a surprise of +1.89% over the Zacks Consensus Estimate of $1.42 billion. With the consensus EPS estimate being $1.40, the EPS surprise was +9.29%.While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expect ...

Equifax (EFX) Q1 2025 Earnings Call April 22, 2025 08:30 AM ET Company Participants Trevor Burns - Senior Vice President of Corporate Investor RelationsMark Begor - CEOJohn Gamble - Executive VP, CFO & COOBrendan Popson - Vice President - Business, Information & Professional Services Equity ResearchKyle Peterson - Managing Director, Equity ResearchShlomo Rosenbaum - Managing DirectorWahid Amin - Equity Research AssociateDavid Paige - AVP - Equity ResearchKevin McVeigh - Managing DirectorSimon Clinch - Partn ...

Revenue Performance - First quarter 2025 revenue was $1.442 billion, up 4% on a reported basis and 5% on a local currency basis, exceeding guidance by $37 million[4] - U.S. Mortgage revenue grew 7% in the first quarter despite a decline in the underlying mortgage market[4] - Workforce Solutions revenue increased by 3%, with Verification Services revenue up 5% and Non-Mortgage revenue growth of 6%[4] - USIS revenue grew 7%, driven by 11% growth in Mortgage revenue and 6% growth in Non-Mortgage revenue[4] - International revenue increased by 7% on a local currency basis, with Latin America showing a 16% increase[11] - Total operating revenue for 2025 was $1,442.0 million, an increase of $52.6 million or 4% compared to 2024[30] - Total revenue for Q1 2025 was $1,442.0 million, an increase from $1,389.4 million in Q1 2024, representing a growth of 3.8%[38] Earnings and Profitability - Adjusted EPS for the first quarter was $1.53, up 2% compared to the same period in 2024[18] - Basic earnings per share for Q1 2025 was $1.07, compared to $1.01 in Q1 2024, reflecting a 5.9% increase[27] - Adjusted net income attributable to Equifax for Q1 2025 was $191.4 million, a 2% increase from $187.0 million in Q1 2024[33] - Adjusted diluted EPS for Q1 2025 was $1.53, up from $1.50 in Q1 2024, reflecting a 2% increase[33] - Operating income for Q1 2025 was $235.8 million, up from $224.7 million in Q1 2024, indicating a growth of 4.9%[39] - Adjusted EBITDA for Q1 2025 was $423.1 million, representing a 5% increase from $404.6 million in Q1 2024[37] - The adjusted EBITDA margin for Q1 2025 was 29.3%, slightly up from 29.1% in Q1 2024[37] Cash Flow and Capital Management - Cash provided by operating activities for Q1 2025 was $223.9 million, down from $252.7 million in Q1 2024, a decline of 11.4%[29] - Capital expenditures for Q1 2025 were $107.2 million, compared to $131.9 million in Q1 2024, a decrease of 18.8%[29] - Dividends paid to Equifax shareholders remained stable at $48.5 million in Q1 2025, slightly up from $48.2 million in Q1 2024[29] - The company reported a cash and cash equivalents balance of $195.2 million at the end of Q1 2025, an increase from $169.9 million at the beginning of the period[29] Assets and Liabilities - Total current assets increased to $1,475.7 million as of March 31, 2025, from $1,360.6 million at the end of 2024, marking an 8.5% growth[28] - Total assets reached $11,854.8 million as of March 31, 2025, compared to $11,759.4 million at the end of 2024, indicating a 0.8% increase[28] - Total liabilities decreased to $6,742.3 million as of March 31, 2025, from $6,839.8 million at the end of 2024, a reduction of 1.4%[28] Shareholder Returns - A new $3 billion share repurchase program was authorized, expected to be completed over approximately 4 years[3] - The quarterly cash dividend was increased by 28% to $0.50 per share, payable on June 13, 2025[14] Market Outlook - The company anticipates a decline of approximately 12% in total U.S. mortgage market credit inquiries for the full year 2025[31] - The company recorded a decline of 9% in U.S. mortgage hard pull credit inquiries in Q1 2025 compared to the previous year[31] Other Financial Metrics - The company incurred a foreign currency loss of $0.5 million in Q1 2025 due to Argentina's highly inflationary economy, compared to a loss of $0.1 million in Q1 2024[45] - Restructuring charges related to resource realignment in Q1 2025 amounted to $1.4 million, reflecting ongoing efforts in cloud technology transformation[46] - The company recorded acquisition-related costs of $11.6 million in Q1 2025, down from $18.1 million in Q1 2024, a decrease of 35.9%[43] - Depreciation and amortization expenses for Q1 2025 totaled $174.6 million, compared to $164.4 million in Q1 2024, an increase of 6.6%[39]

ATLANTA, April 22, 2025 /PRNewswire/ -- Equifax® (NYSE: EFX) today announced financial results for the quarter ended March 31, 2025. First quarter 2025 revenue of $1.442 billion up 4% with 5% local currency revenue growth and $37 million above the mid-point of our guidance, despite headwinds from U.S. Hiring and Mortgage markets. First quarter U.S. Mortgage revenue up strong 7% despite decline in underlying Mortgage market. Workforce Solutions first quarter revenue grew 3%. Verification Services revenue gr ...

Equifax (EFX) is scheduled to report first-quarter 2025 results on April 22, before market open.EFX has a decent earnings surprise history. It has outperformed the Zacks Consensus Estimate in four preceding quarters, with an average of 2.9%.Equifax, Inc. Price, Consensus and EPS Surprise EFX’s Q1 ExpectationsThe Zacks Consensus Estimate for Equifax’s top line is pegged at $1.4 billion, suggesting a 1.9% rise from the year-ago quarter’s actual. The consensus estimate for earnings per share is pegged at $1.41 ...

Core Viewpoint - The market anticipates a year-over-year decline in Equifax's earnings despite an increase in revenues for the quarter ending March 2025, with actual results being crucial for stock price movement [1][2]. Earnings Expectations - Equifax is expected to report quarterly earnings of $1.45 per share, reflecting a year-over-year decrease of 3.3%, while revenues are projected to be $1.42 billion, an increase of 1.9% from the previous year [3]. Estimate Revisions - The consensus EPS estimate has been revised down by 0.2% over the last 30 days, indicating a collective reassessment by analysts [4]. Earnings Surprise Prediction - The Zacks Earnings ESP model suggests that the Most Accurate Estimate for Equifax is lower than the consensus estimate, resulting in an Earnings ESP of -3.59%, indicating bearish sentiment among analysts [10][11]. Historical Performance - In the last reported quarter, Equifax exceeded earnings expectations with a surprise of +0.95%, having beaten consensus EPS estimates in all of the last four quarters [12][13]. Investment Considerations - Despite the potential for an earnings miss, the stock's movement may be influenced by other factors, and the combination of a negative Earnings ESP and a Zacks Rank of 4 complicates predictions for an earnings beat [14][16].

Group 1 - Equifax Inc. (NYSE: EFX) is scheduled to report its Q1 '25 results on April 22nd [1] - The investor has a long-term investment horizon, typically focusing on a 5-10 year timeframe [1] - The investment strategy emphasizes a portfolio mix of growth, value, and dividend-paying stocks, with a particular focus on value [1] Group 2 - The investor occasionally engages in selling options as part of their investment strategy [1]

Third Annual Report Provides Unique Equifax Cloud™-based Insights to Help Lenders Around the World Make More Informed Decisions and Innovate FasterATLANTA, April 11, 2025 /PRNewswire/ -- Equifax® (NYSE: EFX) has released its 2024 Global Consumer Credit Trends, a report that features global consumer credit data and trends information from 10 different countries including Australia, Brazil, Canada, India, Spain and the United States. The third annual report, made possible by the Equifax Cloud™ and the company ...

Core Insights - Equifax's revenue is benefiting from a diverse clientele and investments in Equifax cloud, with anticipated revenue growth of 5.4% in 2025 and 11.9% in 2026 [1] - The company has shown resilience in operational efficiency despite challenges in the mortgage and hiring sectors, indicating potential for exponential growth as macroeconomic conditions improve [6] Revenue Growth - Equifax has experienced a compounded annual growth rate (CAGR) of 6.6% over the last five years (2020-2024) and is expected to see a revenue increase of 5.8% year over year in 2025 [2] - The anticipated growth is driven by acquisitions, consumer credit activity, product innovation, and efficient business execution [2] Client Base and Services - Equifax operates with a diverse client base across various industries, including finance, mortgage, telecommunications, and government, which helps mitigate sector-specific issues [4] - The company's primary goal is to expand its customer base through organic growth, mergers and acquisitions, or partnerships [4] Cloud Investment - The company is nearing the point where 85% of its revenue will be generated from the new Equifax cloud, which is expected to provide a competitive edge starting in 2025 [5] - This investment allows Equifax to focus on growth, product development, innovation, and rapid AI integration [5] Financial Performance - In Q4 2024, Equifax reported an adjusted EBITDA of $502 million, reflecting a $30 million increase from the previous quarter, with an adjusted EBITDA margin of 35.4% [6] - This performance indicates strong operational efficiency despite external challenges [6] Liquidity Concerns - Equifax's current ratio at the end of Q4 2024 was 0.75, below the industry average of 1.19, indicating potential issues in meeting short-term obligations [8] - The current ratio declined from 0.88 in the previous quarter due to a significant drop in total current assets [8]

Core Insights - Information Services Group (III) is currently viewed as a better value opportunity compared to Equifax (EFX) based on various financial metrics and analyst outlooks [1] Valuation Metrics - III has a forward P/E ratio of 13.47, significantly lower than EFX's forward P/E of 27.15, indicating that III may be undervalued [5] - The PEG ratio for III is 0.84, while EFX has a PEG ratio of 2.38, suggesting that III offers better value relative to its expected earnings growth [5] - III's P/B ratio stands at 1.87, compared to EFX's P/B of 5.37, further supporting the notion that III is undervalued [6] Analyst Outlook - III holds a Zacks Rank of 2 (Buy), indicating a more favorable earnings estimate revision activity compared to EFX, which has a Zacks Rank of 3 (Hold) [3][7] - The improving earnings outlook for III enhances its attractiveness as a value investment [7] Value Grades - Based on the aforementioned metrics, III has earned a Value grade of A, while EFX has received a Value grade of D, highlighting the relative strength of III in terms of value investing [6]