Core Insights - Equifax Inc. (EFX) reported strong fourth-quarter 2025 results, with earnings and revenues exceeding the Zacks Consensus Estimate [1] - The company posted an EPS of $2.09, beating estimates by 2.5%, although this represents a 1.4% decline from the previous year [1] - Total revenues reached $1.6 billion, surpassing the consensus estimate by 1.3% and increasing by 9.2% year-over-year [1] Financial Performance - The workforce solutions segment achieved 9% year-over-year revenue growth, totaling $652.2 million, exceeding the estimate of $628 million [3] - The USIS segment generated $526.9 million in revenues, a 12% increase year-over-year, surpassing the projection of $513.8 million [4] - International revenues rose by 7% year-over-year to $371.5 million, exceeding the estimated $367.1 million [5] Segment Analysis - Within the workforce solutions segment, verification services revenues were $557 million, up 10% year-over-year, while employer services revenues increased by 2% to $95.2 million [3] - Online Information Solutions in the USIS segment generated $447.9 million, a 13% year-over-year increase, while Financial Marketing Services revenues rose by 2% to $79 million [4] - Revenues from Europe grew by 9% year-over-year to $108.7 million, while Latin America revenues increased by 8% to $107.5 million [6] EBITDA and Margins - Adjusted EBITDA was $508.2 million, showing marginal year-over-year growth, but margins declined by 260 basis points [8] - The adjusted EBITDA margin for the workforce solutions segment was 51.3%, down 60 basis points from the previous year [8] - The USIS segment's adjusted EBITDA margin was 36.3%, a decline of 200 basis points year-over-year [8] Cash Position and Debt - Equifax ended the fourth quarter with cash and cash equivalents of $180.8 million, down from $189 million at the end of the third quarter [9] - The company maintained a long-term debt of $4.1 billion, unchanged from the previous quarter [9] Future Outlook - For Q1 2026, management expects revenues between $1.597 billion and $1.627 billion, below the Zacks Consensus Estimate of $1.57 billion [12] - EPS guidance for Q1 is set at $1.63 to $1.73, lower than the consensus estimate of $1.78 [12] - For the full year 2026, revenues are projected to be between $6.66 billion and $6.78 billion, above the consensus mark of $6.6 billion, while EPS guidance is $8.3 to $8.7, below the consensus estimate of $8.66 [13]

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]

Core Insights - Equifax reported strong second quarter revenue of $1.537 billion, reflecting an 8% increase in local currency and a 7% increase on a reported basis, exceeding guidance by $27 million [2][8] - The company experienced significant growth in U.S. Mortgage revenue, which rose by 14%, and Workforce Solutions revenue grew by 8%, driven by a 10% increase in Verification Services revenue [2][8] - Equifax maintained its full-year 2025 local currency revenue growth guidance at 6% while increasing reported revenue guidance by $35 million and Adjusted EPS by $0.03 per share due to foreign exchange impacts [3][8] Financial Performance - Total revenue for the second quarter of 2025 was $1,537 million, up 7% from the previous year, with net income attributable to Equifax increasing by 17% to $191.3 million [6][21] - Diluted EPS for the quarter was $1.53, a 17% increase compared to $1.31 in the same quarter of 2024 [6][21] - The company expects to generate over $900 million in free cash flow for 2025, with a cash conversion ratio exceeding 95% [4] Segment Performance - Workforce Solutions reported revenue of $662.1 million, an 8% increase year-over-year, with an operating margin of 46.4% [9][26] - U.S. Information Solutions revenue grew by 9%, led by a 20% increase in Mortgage revenue and over 4% in Non-Mortgage revenue [9][26] - International revenue increased by 4% on a reported basis and 6% in local currency, with Latin America and Europe being key growth regions [9][18] Strategic Initiatives - Equifax is focusing on leveraging new Cloud capabilities to enhance product innovation and drive growth, with a Vitality Index of 14% for new products [5][8] - The company returned approximately $190 million to shareholders in the second quarter, including $127 million in share repurchases under a $3 billion program [4][8] - The strategic priorities for 2027 include a focus on growth, innovation, and free cash generation to support ongoing investments and shareholder returns [5][8]