Core Insights - The performance of Equifax's international operations is crucial for assessing its financial resilience and growth prospects [1][2][3] Financial Performance - For the quarter ended September 2025, Equifax reported total revenue of $1.54 billion, marking a year-over-year increase of 7.2% [4] - The company is projected to achieve total revenue of $1.52 billion in the current fiscal quarter, reflecting a 7.3% increase from the same quarter last year [9] - For the full year, total revenue is expected to reach $6.03 billion, representing a 6.2% increase from the previous year [10] International Revenue Breakdown - Europe contributed $102.3 million, or 6.6% of total revenue, with a surprise decrease of -1.38% compared to expectations [5] - Latin America generated $102.1 million, also 6.6% of total revenue, with a surprise decrease of -3.67% [6] - Canada reported $70.8 million in revenue, accounting for 4.6% of total revenue, exceeding expectations with a surprise increase of +5.89% [7] - Asia Pacific generated $90.1 million, constituting 5.8% of total revenue, with a surprise decrease of -1.27% [8] Future Projections - Analysts expect Europe to contribute $111.05 million (7.3%), Latin America $111.62 million (7.3%), Canada $68.85 million (4.5%), and Asia Pacific $89.61 million (5.9%) in the upcoming quarter [9] - For the full year, expected contributions from international markets include Europe at $400.15 million (6.6%), Latin America at $410.76 million (6.8%), Canada at $268.83 million (4.5%), and Asia Pacific at $345.82 million (5.7%) [10] Market Context - The reliance on global markets presents both opportunities and challenges for Equifax, making the analysis of international revenue trends essential for forecasting future performance [12] - Wall Street analysts are closely monitoring these trends, especially in light of increasing global interconnections and geopolitical risks [13]

This story was originally published on WardsAuto. To receive daily news and insights, subscribe to our free daily WardsAuto newsletter. What’s been referred to in the industry as a credit washing scam tactic appears to be growing in popularity in auto loans – including some fraudsters who on paper resemble borrowers with sound, low-risk credit. This according to a new study from Chicago-based credit reporting bureau TransUnion. “Credit washing is a type of fraud that’s related, obviously, to a credit repor ...

Core Insights - TransUnion operates an underrated business model focused on providing credit reporting services to both businesses and consumers, which is essential for lenders [1] Company Overview - TransUnion has developed a scoring system that is valuable to lenders, allowing the company to build a substantial database that covers nearly one-seventh of the population [1]

Core Insights - TransUnion reported strong financial results for Q3 2025, with total revenue reaching $1,170 million, marking an 8% increase compared to Q3 2024. Organic constant currency growth was 11%, the highest since 2021 [2][4][6]. Financial Performance - Revenue growth was driven by significant contributions from Financial Services, which grew by 19%, and Emerging Verticals, which increased by 7.5%. International revenue grew by 6% on an organic constant currency basis, with notable double-digit growth in the UK, Canada, and Africa [4][6]. - Net income attributable to TransUnion for the quarter was $97 million, up from $68 million in Q3 2024. Diluted earnings per share increased to $0.49 from $0.35 [7][29]. - Adjusted EBITDA for the quarter was $425 million, an 8% increase from $394 million in Q3 2024, maintaining a margin of 36.3% [7][29]. Shareholder Returns - The company has accelerated its share repurchase program, repurchasing $200 million in shares year-to-date and increasing the authorization for share repurchases to $1 billion. The management views share repurchases as an attractive use of capital [4][6]. Guidance and Outlook - TransUnion raised its 2025 revenue growth guidance to a range of 8% to 8.5%, supported by stable U.S. lending trends and strong commercial momentum [4][6][11]. Segment Performance - In the U.S. Markets, Financial Services revenue was $438 million with a growth rate of 19%, while Emerging Verticals generated $330 million with a growth rate of 7%. Consumer Interactive revenue decreased by 17% [8][9]. - International revenue totaled $260 million, with Canada growing by 10%, the UK by 24%, and Africa by 14% [8][9]. Liquidity and Capital Resources - As of September 30, 2025, cash and cash equivalents stood at $750 million, an increase from $679 million at the end of 2024. Cash provided by operating activities for the nine months ended September 30, 2025, was $668 million, compared to $579 million in 2024 [9][10]. Capital Expenditures - For the nine months ended September 30, 2025, capital expenditures were $229 million, representing 7% of revenue, compared to $199 million or 6% of revenue in 2024 [10]. Summary of Financial Metrics - The company reported total revenue of $1,169.5 million for Q3 2025, with operating income of $207.6 million. Total operating expenses were $961.9 million, leading to a net income of $100.2 million for the quarter [28][29].

Core Insights - Equifax Inc. reported a revenue of $1.54 billion for Q3 2025, reflecting a 7.2% year-over-year growth and surpassing the Zacks Consensus Estimate of $1.52 billion, resulting in a positive surprise of 1.53% [2][5] - The company's EPS for the third quarter was $2.04, an increase from $1.85 the previous year, exceeding the consensus estimate of $1.93 by 5.7%, indicating strong earnings capacity [3][5] - Equifax's financial metrics include a P/E ratio of approximately 44.58, a price-to-sales ratio of about 4.87, and a debt-to-equity ratio of around 0.96, showcasing its market valuation and financing strategy [4][5] Financial Performance - Revenue for Q3 2025 reached $1.54 billion, marking a 7.2% increase from the previous year [2][5] - EPS improved to $2.04 from $1.85 year-over-year, exceeding estimates [3][5] - Full-year guidance was uplifted due to robust results despite challenges in the U.S. hiring and mortgage sectors [2] Market Position - The P/E ratio of approximately 44.58 indicates that investors are willing to pay a premium for Equifax's earnings [4] - The price-to-sales ratio of about 4.87 and enterprise value to sales ratio of around 5.68 reflect the company's market valuation relative to its revenue [4] - A debt-to-equity ratio of about 0.96 suggests a balanced financing strategy, while a current ratio of approximately 0.77 indicates potential short-term liquidity challenges [4]

Group 1 - The article does not provide any specific content or key points related to a company or industry [1]

3Q25 Earnings Review PROPRIETARY | 2 Non-GAAP Disclosure Statement This presentation contains certain non-GAAP financial measures, including Adjusted EPS, Adjusted EBITDA, and Cash Conversion, which reflect adjustments for certain items that affect the comparability of our underlying operational performance. Adjusted EPS is defined as net income adjusted for acquisition-related amortization expense of certain acquired intangibles, accrual for legal and regulatory matters related to the 2017 cybersecurity in ...

Equifax raised its full-year outlook after logging higher profit and revenue in the third quarter, boosted by the company's mortgage and workforce-solutions units. ...

Core Insights - Equifax reported strong third quarter revenue of $1.545 billion, reflecting a 7% increase year-over-year, driven by significant growth in U.S. Mortgage revenue and Workforce Solutions [2][5][7] - The company raised its full-year 2025 revenue guidance midpoint by $40 million and adjusted EPS guidance by $0.12 per share, indicating confidence in continued growth [3][7] - Equifax returned approximately $360 million to shareholders in the third quarter, including $300 million in share repurchases, highlighting its strong cash flow generation [3][7] Financial Performance - Total revenue for Q3 2025 was $1,544.9 million, up 7% compared to Q3 2024, with net income attributable to Equifax increasing by 13% to $160.2 million [5][26] - Diluted EPS for Q3 2025 was $1.29, a 14% increase from $1.13 in Q3 2024, while adjusted EPS rose to $2.04, up 10% year-over-year [5][27] - Workforce Solutions revenue grew by 5%, with Verification Services also up by 5%, driven by strong growth in Government and Consumer Lending sectors [8][21] Segment Performance - U.S. Information Solutions (USIS) revenue increased by 11%, led by a 26% growth in Mortgage revenue and 5% in Non-Mortgage revenue [7][8] - International revenue grew by 6% on a reported basis and 7% in local currency, with Latin America and Canada being key contributors [8][21] - The company achieved a Vitality Index of 16% in Q3, exceeding its long-term goal of 10%, indicating strong product innovation and market responsiveness [3][7] Strategic Initiatives - Equifax introduced a new Mortgage Score pricing structure aimed at reducing costs for homebuyers and enhancing competitiveness in the credit scoring market [3][7] - The company is focusing on leveraging its cloud capabilities to drive new product innovation and enhance data analytics, which is expected to support growth in 2025 and beyond [4][7] - The strategic pivot towards cloud technology and AI capabilities is anticipated to improve margins and free cash flow, reinforcing the company's commitment to shareholder returns [4][7]

Core Insights - FICO has launched a new Mortgage Direct License Program allowing mortgage lenders to purchase FICO scores directly from Fair Isaac Corporation, bypassing the traditional credit bureaus [1][2] - This new system enables lenders to work with third-party "tri-merge" resellers to obtain credit data from all three major bureaus and then acquire the FICO score directly [2][3] - The initiative aims to eliminate middlemen, reducing costs associated with credit score purchases, which could lead to lower fees for borrowers in the long run [3][5] Industry Impact - Lenders now have the option to either continue using credit bureaus or to directly access FICO scores, providing them with more flexibility in their operations [4] - The potential for cost savings from direct access to FICO scores may eventually benefit borrowers through reduced fees, although immediate changes may not be evident [5][6] - The impact on borrowers will depend on the lenders' choices regarding the new system, indicating variability in experiences across different lenders [6][7]