Financial Performance & Guidance - Equifax's 3Q25 revenue increased by 7% [13] - Adjusted EPS for 3Q25 was $2.04 per share [13] - The company is raising its full-year 2025 revenue guidance by $40 million [13] - Full-year 2025 adjusted EPS guidance is raised by $0.12 per share [13] - Free cash flow guidance for 2025 is increased to a range of $950 million to $975 million [13] - The company returned approximately $360 million in cash to shareholders during 3Q25 [13, 14] Segment Performance - USIS revenue increased by 11% in 3Q25, with mortgage revenue up by 26% and non-mortgage revenue up by 5% [19] - International revenue grew by 7% in constant currency, driven by Canada and Latin America [28, 48] - EWS revenue increased by 5% in 3Q25, with non-mortgage verifier growth at 7% [15, 48] Strategic Initiatives - The introduction of the VantageScore 4.0 pricing framework presents a $100 million to $200 million margin opportunity for Equifax [13, 23, 26] - The company is raising its full-year 2025 Vitality Index guidance to 13% [13, 33, 48]