Core Insights - Equifax reported strong financial results for Q4 2025, with revenue of $1.551 billion, reflecting a 9% increase year-over-year, driven by significant growth in U.S. Mortgage and Workforce Solutions segments [2][6][8] Financial Performance - Q4 2025 revenue was $1,550.6 million, a 9% increase compared to Q4 2024, with diluted EPS rising to $1.44 from $1.39 [6][7] - For the full year 2025, revenue reached $6,074.5 million, a 7% increase from 2024, with net income attributable to Equifax at $660.3 million, up 9% [8][27] - The company returned $561 million to shareholders in Q4 2025, including $500 million in share repurchases [3][5] Segment Performance - U.S. Mortgage revenue grew by 20% in Q4 2025, while Workforce Solutions revenue increased by 9%, driven by a 10% rise in Verification Services [2][5] - USIS (U.S. Information Solutions) reported a 12% revenue growth, with Mortgage revenue up 33% and Diversified Markets up 5% [5][10] - International revenue grew by 7% on a reported basis, with Latin America leading at 8% growth [5][10] Guidance and Future Outlook - The company issued guidance for full-year 2026, projecting revenue of $6.72 billion, a 10.5% increase, and Adjusted EPS of $8.50, up 11% from 2025 [4][14] - The guidance assumes a low single-digit decline in the U.S. Mortgage market and a shift to FICO scores for mortgage credit scoring [4][14] Strategic Initiatives - Equifax is focusing on leveraging cloud capabilities to drive new product innovation and growth, with a Vitality Index of 17% in Q4 2025, exceeding the long-term goal of 10% [5][6] - The company aims to enhance margins and free cash flow while continuing to invest in growth and return cash to shareholders [3][5]