Financial Performance & Growth Strategy - Equifax aims for 7-10% organic revenue growth and 1-2% revenue growth from bolt-on M&A, targeting 8-12% total revenue growth[16] - The company targets 50 BPs margin expansion per year[16] - Equifax plans to invest approximately $1 billion per year in growth CapEx and bolt-on M&A[16] - The company intends to return over $1 billion per year to shareholders through dividend growth and buybacks[16] - Equifax projects strong 2025 financial performance, including approximately $900 million in free cash flow and 95% cash conversion[318] - The company anticipates adjusted EPS of $7.45 in 2025[317] Strategic Initiatives & Market Opportunities - Equifax has invested $3 billion in EFX Cloud over the past 7 years[30, 31] - The company is targeting a vitality index of 10%, indicating innovation acceleration post-cloud[39] - Equifax sees a $1.2 billion revenue upside from mortgage market recovery[58, 59] Workforce Solutions - Workforce Solutions is driving 13-15% long-term growth[159, 237] - The company is targeting a $15 billion total addressable market (TAM) primarily replacing manual verifications[170, 163]