Equifax Q3 Earnings & Revenues Surpass Estimates, Increase Y/Y

Core Insights - Equifax Inc. (EFX) reported strong third-quarter 2025 results, with earnings and revenues exceeding the Zacks Consensus Estimate [1][10] - Adjusted earnings were $2.04 per share, a 10.3% increase year-over-year, and total revenues reached $1.5 billion, growing 7.2% year-over-year [1][10] Financial Performance - Adjusted EBITDA for Q3 2025 was $504.8 million, reflecting a 7% year-over-year increase, with an adjusted EBITDA margin of 32.7% [7] - The Workforce Solutions segment generated revenues of $649.4 million, up 5% year-over-year, while the USIS segment's revenues were $530.2 million, rising 11% year-over-year [3][4] - International division revenues totaled $365.5 million, a 6% increase year-over-year, although it fell short of projections [5] Segment Analysis - Verification Services within Workforce Solutions reported revenues of $553.6 million, up 5% year-over-year, while Employer Services revenues were $95.8 million, increasing by 1% [3] - Online Information Solutions in the USIS segment generated revenues of $467.5 million, a 12% year-over-year increase, and Financial Marketing Services revenues were $62.7 million, up 9% [4] - Revenues from Latin America, Europe, Asia Pacific, and Canada showed varied growth, with Latin America at $102.1 million (6% increase), Europe at $102.3 million (8% increase), Asia Pacific at $90.1 million (2% increase), and Canada at $70.8 million (9% increase) [6] Guidance and Outlook - For Q4 2025, Equifax expects revenues between $1.506 billion and $1.536 billion, with an adjusted EPS forecast of $1.98 to $2.08 [11] - The company raised its 2025 revenue guidance to $6.03 billion to $6.06 billion and adjusted EPS guidance to $7.55 to $7.65, both exceeding prior estimates [12]