Equifax Inc (EFX)

Equifax Expands Strategic Patent Portfolio in First Half of 2026June 30, 2026 7:45 AM
PR Newswire (US) Company Adds 39 New Global Patents to Enrich New Product Innovation and Deepen Leadership in Explainable AIATLANTA, June 30, 2026 /PRNewswire/ -- Equifax® (NYSE: EFX) has secured 39 new patents in the first half of 2026, broadening its global intellectual property (IP) portfolio of more than 750 issued or pending patents across the globe. Continued portfolio expansion is part of the organization's forward-looking IP strategy, designed to maximize the value of Equifax proprietary data for customers and consumers, accelerate and differentiate EFX.AI product innovation, and deepen leadership in explainable Artificial Intelligence (xAI). Year-to-date, Equifax has secured 14 new patents that directly support the company's approach to AI, further complementing its EFX.AI™ strategy for product innovation.  "Equifax has driven decades of continuous innovation to ensure that our customers are always equipped with the most advanced, secure, and predictive capabilities available," said Harald Schneider, Global Chief Data & Analytics Officer at Equifax. "Our hundreds of inventors around the world focus on patenting technology that maximizes the value of proprietary data in an increasingly AI-focused business environment, empowering our customers to make more intelligent decisions and create new consumer opportunities faster than ever before."The 39 patents secured in the first half of 2026 further support Equifax innovation in three core areas:Explainable AI That Turns Complex Data into Transparent Insights
Explainable AI helps customers responsibly analyze massive amounts of data to make more informed decisions. Equifax led the way toward an industry standard for explainable AI, introducing the first machine learning credit scoring system with the ability to generate logical and actional reason codes for consumers more than a decade ago. Since that time, the company has more than 180 pending or approved patents for explainable AI techniques. In the first half of this year, Equifax secured a Canadian patent grant on its original methodology for optimizing neural networks for risk assessment, expanding this invention into 11 patents globally, including in the U.S., Australia, and India.Optimizing Neural Networks for Risk Assessment (Canada) - This patented system solves the problem of the AI "black box" by forcing credit-scoring neural networks to maintain a strict, one-directional relationship between inputs and outputs (e.g., as payment history improves, a credit score should increase). By ensuring this clear mathematical relationship, the system delivers transparent, fully explainable credit decisions and regulatory reason codes without sacrificing the predictive power of advanced AI. This allows financial institutions to leverage the power of advanced AI while still being able to generate "adverse action codes" or "reason codes" that clearly explain to a consumer why they received a specific score and what actions impact their credit. This functionality is being used today in solutions such as Insights Score for Personal Loans and Insights Score for Auto.Enhanced Identity Verification & Fraud Detection
In today's evolving fraud landscape, emerging fraud schemes such as first-party fraud, synthetic identities, and account takeovers require robust identity verification, fraud protection and regulatory compliance solutions. Equifax leverages AI, machine learning, robust analytics and real-time data to assess risk with precision and identify threats that others miss. Currently, more than 190 pending or approved patents support the company's leadership in identity verification and fraud detection, including a specific patented methodology aimed directly at the vulnerabilities in digital commerce.Risk Assessment for Personally Identifiable Information Associated with Controlling Interactions Between Computing Systems (U.S.) –This patented methodology is leveraged in Consumer Insights, Signal Score for Email, and Payments Fraud capabilities to identify risk in card-not-present transactions. By isolating and evaluating specific identity elements—such as email addresses, phone numbers, and device IDs—and modeling historical fraud distributions (including chargebacks and declines), the system delivers data-informed insights to better inform transactional risk decisions.Multi-System Data Orchestration
Central to the more than $3 billion Equifax Cloud transformation is the company's custom data fabric, an adaptable structure that unifies proprietary differentiated data from over 100 siloed data sources. AI requires deep, accurate, and high-quality data. The Equifax data fabric ingests 20 billion records per month globally while also enabling the management of that data in keeping with strict regulatory requirements. This foundational platform allows for the orchestration of more than 250 billion keyed and linked records.  This enables complex, multi-system data to stream seamlessly on demand under strict regulatory controls—completely eliminating months of manual data preparation. Eliminating these months of manual preparation requires sophisticated, patented coordination across the entire network.Data Transformation Techniques for Event Data in Multi-System Computing Environments (U.S.) – This patented technology is leveraged in applications such as Account Protection, Payments Fraud, Authorized Payments Protection), Contact and Locate, Identity Proofing and Synthetic Identity Risk 3.0. It coordinates massive data flows across multiple systems. By holding data until specific triggers are met, it ensures recipient systems receive complete, structured datasets rather than fragmented pieces—drastically improving real-time fraud and pattern detection.Learn more about the Equifax commitment to responsible AI innovation at EFX.AI. The most recent list of issued Equifax Intellectual Property is available here.ABOUT EQUIFAX INC.
At Equifax (NYSE: EFX), we believe knowledge drives progress. As a global data, analytics, and technology company, we play an essential role in the global economy by helping financial institutions, companies, employers, and government agencies make critical decisions with greater confidence. Our unique blend of differentiated data, analytics, and cloud technology drives insights to power decisions to move people forward. Headquartered in Atlanta and supported by nearly 15,000 employees worldwide, Equifax operates or has investments in 24 countries in North America, Central and South America, Europe, and the Asia Pacific region. For more information, visit Equifax.com. ? FOR MORE INFORMATION:
Alexandra Packey for Equifax
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Equifax and GBG Expand Global PartnershipMay 20, 2026 7:45 AM
PR Newswire (US) Organizations Extend Relationship to United States; Strengthen Power of Identity and Fraud Protection Offerings GloballyATLANTA and LONDON, May 20, 2026 /PRNewswire/ -- Equifax® (NYSE: EFX), a global data, analytics, and technology company, and GBG (LSE: GBG), a global identity and location technology business, are expanding their partnership into the United States and strengthening the power of their identity and fraud protection offerings globally. As part of this expanded relationship, Equifax Identity and Fraud solutions will be integrated into GBG's adaptive identity platform, GBG Go. This will enable more businesses to leverage proprietary Equifax data to protect themselves from the rising cost of fraud – critical when synthetic identity fraud alone is expected to generate at least $23 billion in losses by 20301. "Equifax and GBG have collaborated for nearly a decade and share a strong commitment to providing global organizations with the robust, data-driven defenses required to address digital and AI-based fraud," said Mark W. Begor, Equifax Chief Executive Officer. "Equifax maintains proprietary trust and fraud signals from more than 60 billion consumer interactions – powerful, unique data that differentiates our AI-driven identity and fraud solutions in the industry. The expanded partnership empowers even more businesses to benefit from a powerful combination of proprietary data and world-class identity and fraud technology."By integrating Equifax Identity and Fraud solutions into GBG Go, GBG customers globally can take advantage of Equifax differentiated data to enrich identity resolution and harden fraud defenses. This unique data enables businesses to confidently recognize and onboard more genuine customers and makes it easier to detect synthetic identity fraud, combat credit ghosting, and reduce first-party fraud through real-time identity proofing.Additionally, as part of the expanded partnership, Equifax will integrate GBG's data verification capabilities in the U.S. this year, with global use in 2027, helping Equifax more confidently verify addresses and locations in real time."The identity and fraud landscape is changing rapidly, and businesses need data-driven solutions that enable both trust and growth," said Dev Dhiman, Chief Executive Officer of GBG. "Together with Equifax, we're helping global organizations respond to increasingly sophisticated fraud while scaling confidently. We're already successfully leveraging Equifax proprietary data to power faster, more accurate identity verification in key markets across the globe – and this expansion allows us to bring those proven capabilities, together with robust fraud protection, to the U.S. market."For more information about how unique, proprietary data assets from Equifax help organizations manage risk and explore new opportunities, while creating a better experience for consumers, visit Equifax.com. To learn more about GBG's identity verification and fraud prevention solutions, visit GBG.com.1Deloitte Center for Financial ServicesABOUT EQUIFAX INC.
At Equifax (NYSE: EFX), we believe knowledge drives progress. As a global data, analytics, and technology company, we play an essential role in the global economy by helping financial institutions, companies, employers, and government agencies make critical decisions with greater confidence. Our unique blend of differentiated data, analytics, and cloud technology drives insights to power decisions to move people forward. Headquartered in Atlanta and supported by nearly 15,000 employees worldwide, Equifax operates or has investments in 24 countries in North America, Central and South America, Europe, and the Asia Pacific region. For more information, visit Equifax.com.ABOUT GBGGBG is the leading expert in global identity and location tech, enabling safe and rewarding digital lives for genuine people, everywhere.For over 30 years, we have combined global data with our innovative technology to make sure that genuine people everywhere can digitally prove who they are and where they live.We provide mission-critical services that protect against digital crime, strengthens business resilience and drives responsible growth, at scale, across a diverse range of sectors. Today, our team of over 1,100 people serve more than 20,000 customers globally.GBG is publicly traded on the London Stock Exchange and a constituent of the FTSE 250 index (LSE: GBG). Find out more at www.gbg.com and follow us on LinkedIn.FOR MORE INFORMATION:
Stacy Kirk for Equifax
mediainquiries@equifax.comLauren James for GBG
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Equifax Board of Directors Declares Quarterly DividendMay 7, 2026 1:10 PM
PR Newswire (US) ATLANTA, May 7, 2026 /PRNewswire/ -- Equifax® (NYSE: EFX) today announced that the Equifax Board of Directors declared a quarterly dividend of $0.56 per share, payable on June 15, 2026, to shareholders of record as of the close of business on May 22, 2026. Equifax has paid cash dividends for more than 100 consecutive years. ABOUT EQUIFAX INC.
At Equifax (NYSE: EFX), we believe knowledge drives progress. As a global data, analytics, and technology company, we play an essential role in the global economy by helping financial institutions, companies, employers, and government agencies make critical decisions with greater confidence. Our unique blend of differentiated data, analytics, and cloud technology drives insights to power decisions to move people forward. Headquartered in Atlanta and supported by nearly 15,000 employees worldwide, Equifax operates or has investments in 24 countries in North America, Central and South America, Europe, and the Asia Pacific region. For more information, visit Equifax.com.FOR MORE INFORMATION
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Equifax Announces Participation in Upcoming Investor ConferencesMay 1, 2026 4:20 PM
PR Newswire (US)

ATLANTA, May 1, 2026 /PRNewswire/ -- Equifax® (NYSE: EFX) will participate in several upcoming investor conferences in May and June.







Mark W. Begor, Chief Executive Officer, and John Gamble, Chief Financial Officer, will participate in the Baird 2026 Global Consumer, Technology & Services Conference on Tuesday, June 2, 2026 including participation in a Fireside Chat at 10:50 a.m., Eastern Time and the William Blair 2026 Growth Stock Conference on Wednesday, June 3, 2026, including participation in a Fireside Chat at 9:40 a.m., Eastern Time. The company invites investors to join a live webcast of these Fireside Chat events at: https://investor.equifax.com/news-events/ir-calendar. A replay of these Fireside Chats will be available within 24 hours after the event on the company's Investor Relations website. John Gamble, Chief Financial Officer, will attend the Bernstein Annual Strategic Decisions Conference on Wednesday, May 27, 2026. Trevor Burns, Senior Vice President of Corporate Investor Relations, will attend the Barclays Americas Select Franchise Conference on Tuesday, May 5, 2026, the virtual Needham Technology, Media, & Consumer Conference on Thursday, May 14, 2026, and the J.P. Morgan All Stars Canada Conference on Tuesday, June 2, 2026.ABOUT EQUIFAX INC.
At Equifax (NYSE: EFX), we believe knowledge drives progress. As a global data, analytics, and technology company, we play an essential role in the global economy by helping financial institutions, companies, employers, and government agencies make critical decisions with greater confidence. Our unique blend of differentiated data, analytics, and cloud technology drives insights to power decisions to move people forward. Headquartered in Atlanta and supported by nearly 15,000 employees worldwide, Equifax operates or has investments in 24 countries in North America, Central and South America, Europe, and the Asia Pacific region. For more information, visit Equifax.com.FOR MORE INFORMATION:
Molly Clegg for Equifax
mediainquiries@equifax.com



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Equifax and Ataeva Partner to Launch Advanced Spend and Yield Tools for Financial InstitutionsApril 24, 2026 7:45 AM
PR Newswire (US)

ATLANTA, April 24, 2026 /PRNewswire/ -- Equifax® (NYSE: EFX) today announced a strategic partnership with Ataeva to launch the Ataeva Product Suite. This high-impact, diagnostic toolkit is designed to significantly enhance financial institutions' ability to accurately value potential customers and optimize portfolio performance, driving profitable growth. The collaboration introduces two market-validated solutions—Ataeva TAPS? (Total Annual Plastic Spend) and Ataeva CYM? (Card Yield Metrics)—powered by Equifax consumer credit data.







The Ataeva Product Suite utilizes a set of more than 100 FCRA-regulated attributes1 to provide the proprietary metrics essential for identifying true revenue potential and maximizing return on investment (ROI) for credit issuers. Built on up to 12 months of trended data, these solutions allow financial institutions to build highly profitable portfolios of low-risk revolvers and high spenders, establishing a powerful competitive advantage."This partnership is driving sustainable value for our financial institution customers," said Harald Schneider, Global Chief Data & Analytics Officer at Equifax. "By integrating these predictive attributes, we are empowering financial services to create a highly personalized, profitable and compliant strategy across every phase of the customer lifecycle—from acquisition pre-screening to proactive, data-driven retention. This capability elevates the industry standard for risk assessment and portfolio optimization."Key Solutions for Portfolio Optimization:Ataeva TAPS (Total Annual Plastic Spend): This solution helps lenders identify consumers that could benefit from an increased credit limit by estimating their total annual credit card spend across their entire wallet.Ataeva CYM (Card Yield Metrics): This solution helps lenders identify consumers that make responsible monthly payments on their credit cards, carry a monthly balance and have a specific annual percentage rate (APR) on these accounts. Lenders can evaluate if they can offer more favorable credit terms, like a lower interest rate for debt consolidation or balance transfer."By combining Ataeva's advanced analytics with the differentiated data assets provided by Equifax, we are helping to solve the market's core inefficiency in prospect valuation," said Ajay Pillai, Co-Founder of Ataeva. "The Ataeva Product Suite helps give issuers the proprietary metrics to accurately identify true revenue potential and build highly profitable portfolios of low-risk revolvers and high spenders."For credit unions and community banks, these tools offer a clear path to gaining market share by leveraging superior data to identify and acquire high-value customers, solidifying their competitive position against larger financial institutions. To learn more about how Equifax helps financial institutions drive profitable growth and move people forward, click here.ABOUT EQUIFAX INC.
At Equifax (NYSE: EFX), we believe knowledge drives progress. As a global data, analytics, and technology company, we play an essential role in the global economy by helping financial institutions, companies, employers, and government agencies make critical decisions with greater confidence. Our unique blend of differentiated data, analytics, and cloud technology drives insights to power decisions to move people forward. Headquartered in Atlanta and supported by nearly 15,000 employees worldwide, Equifax operates or has investments in 24 countries in North America, Central and South America, Europe, and the Asia Pacific region. For more information, visit Equifax.com. FOR MORE INFORMATION:  
Tiffany Smith for Equifax  
mediainquiries@equifax.com1 The Ataeva Product Suite, including TAPS and CYM, features attributes derived from consumer credit data regulated by the Fair Credit Reporting Act (FCRA). Use of these attributes is subject to the FCRA and other applicable laws. Customers are responsible for ensuring they have a permissible purpose to access such data and for maintaining their own compliance with the FCRA, including requirements related to pre-screened offers of credit and adverse action notices. 



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Original: Equifax and Ataeva Partner to Launch Advanced Spend and Yield Tools for Financial Institutions

Equifax Delivers Record First Quarter Revenue - $37 Million Above Midpoint of February GuidanceApril 21, 2026 6:30 AM
PR Newswire (US)

ATLANTA, April 21, 2026 /PRNewswire/ -- Equifax® (NYSE: EFX) today announced financial results for the quarter ended March 31, 2026.







First quarter reported revenue of $1.649 billion, up a strong 14% with 13% local currency revenue growth and $37 million above the midpoint of our February guidance framework.Revenue outperformance driven by strong 38% U.S. Mortgage revenue growth from higher mortgage activity in first half of quarter before rates increased.Diversified markets revenue up 8% on a reported basis, up 6% in local currency led by Workforce Solutions growth.Workforce Solutions first quarter revenue up very strong 10%. Verification Services revenue up 14% led by strong mid double digit Government growth, with Diversified Markets up 14% and Mortgage growth of 14%.USIS first quarter revenue up strong 21% with very strong Mortgage revenue growth of 60% and Diversified Markets revenue growth of 3%.International first quarter revenue up 11% on a reported basis with 4% growth on a local currency basis with high single digit revenue growth in Canada.New Product Innovation leveraging the EFX Cloud, EFX.AI, and proprietary data delivered record level 17% new product Vitality Index.Returned $327 million in cash to shareholders through share repurchases and quarterly dividend.Maintaining full year constant dollar revenue growth guidance due to uncertainty around interest rates and U.S. mortgage activity from the Iran conflict. Increasing full year reported revenue by $25 million and Adjusted EPS by $0.04 per share for the impact of foreign exchange."Equifax delivered a very strong first quarter performance executing on our EFX2028 Strategic Priorities with reported revenue of $1.649 billion, up a strong 14%, with 13% local currency revenue growth which was $37 million above the midpoint of our February guidance. The revenue outperformance was principally driven by very strong U.S. Mortgage revenue growth of 38% principally in January and February before rates increased from the Iran conflict, continued solid performance in Diversified Markets up 6% in local currency, and strong New Product Innovation momentum with Vitality Index of 17% - significantly above our long-term goal of 10% - powered by the EFX Cloud, EFX.AI, and our proprietary data. Workforce Solutions delivered strong 10% revenue growth, driven by Verification Services revenue growth of 14% led by Diversified Markets revenue growth of 14% from strong mid double digit growth in Government and Consumer Lending businesses. USIS delivered strong revenue growth of 21%, well above their 6 to 8% Long Term Financial Framework. USIS revenue growth was led by very strong 60% Mortgage revenue growth and Diversified Markets revenue growth of 3%. International delivered 4% local currency revenue growth with high single digit revenue growth in Canada. We were pleased with the broad-based Equifax results in a challenging market environment. Given our strong free cash flow, Equifax returned $327 million in cash to shareholders, including repurchasing 1.3 million shares for $260 million and paying $67 million in quarterly dividends," said Mark W. Begor, Equifax Chief Executive Officer."We are maintaining our full-year 2026 Guidance midpoint expectation for local currency revenue growth of about 10%. Despite our strong, above guidance first quarter results principally from stronger U.S. mortgage activity in the first half of the quarter, we are maintaining our full-year 2026 Guidance due to the reduction in U.S. mortgage activity from higher rates since the Iran conflict began and the uncertainty in the global macroeconomic environment and direction of U.S. inflation and interest rates. We are increasing our full year reported revenue by $25 million and Adjusted EPS by $0.04 per share for the impact of foreign exchange.  Equifax is fundamentally a different company on how we go to market from Technology to Data & Analytics, EFX.AI capabilities, product focus, and AI-driven Operations all leveraging our nearly $3 billion Cloud technology investment and patented EFX.AI products and D&A capabilities. Equifax's scale proprietary data is the foundation of our AI Data Moat and a big competitive advantage, and we are expanding our capabilities to leverage our unique, non-public data assets with EFX.AI and our Agentic AI capabilities to rapidly deliver higher-performing scores, models, and multi-market products to help our customers grow.Our strong first quarter results reflect the resiliency of the broad-based Equifax business model in an increasingly uncertain economy. We are energized about the New Equifax that we expect to deliver higher growth, margins, and accelerating free cash flow, and returning cash to shareholders in the future."Financial Results SummaryThe Company reported revenue of $1,648.9 million in the first quarter of 2026, up 14% and 13% on a reported and local currency basis, respectively, compared to the first quarter of 2025.Net income attributable to Equifax of $171.5 million was up 29% in the first quarter of 2026 compared to $133.1 million in the first quarter of 2025.Diluted EPS attributable to Equifax was $1.42 per share in the first quarter of 2026, up 34% compared to $1.06 per share in the first quarter of 2025.Workforce Solutions First Quarter ResultsTotal revenue was $683.1 million in the first quarter of 2026, up 10% compared to the first quarter of 2025. Operating margin for Workforce Solutions was 45.3% in the first quarter of 2026 compared to 42.7% in the first quarter of 2025. Adjusted EBITDA margin for Workforce Solutions was 52.3% in the first quarter of 2026 compared to 50.1% in the first quarter of 2025.Verification Services revenue was $571.4 million, up 14% compared to the first quarter of 2025.Employer Services revenue was $111.7 million, down 4% compared to the first quarter of 2025.USIS First Quarter ResultsTotal revenue was $605.6 million in the first quarter of 2026, up 21% compared to the first quarter of 2025. Operating margin for USIS was 20.2% in the first quarter of 2026 compared to 21.1% in the first quarter of 2025. Adjusted EBITDA margin for USIS was 30.3% in the first quarter of 2026 compared to 34.1% in the first quarter of 2025.Online Information Solutions revenue was $553.7 million, up 24% compared to the first quarter of 2025.Financial Marketing Services revenue was $51.9 million, flat compared to the first quarter of 2025.International First Quarter ResultsTotal revenue was $360.2 million in the first quarter of 2026, up 11% and up 4% compared to the first quarter of 2025 on a reported and local currency basis, respectively. Operating margin for International was 9.5% in the first quarter of 2026 compared to 7.8% in the first quarter of 2025. Adjusted EBITDA margin for International was 25.0% in the first quarter of 2026 compared to 24.1% in the first quarter of 2025.Latin America revenue was $102.7 million, up 9% compared to the first quarter of 2025 on a reported basis and up 4% on a local currency basis.Europe revenue was $94.0 million, up 9% compared to the first quarter of 2025 on a reported basis and up 1% on a local currency basis.Asia Pacific revenue was $92.6 million, up 16% compared to the first quarter of 2025 on a reported basis and up 6% on a local currency basis.Canada revenue was $70.9 million, up 12% compared to the first quarter of 2025 on a reported basis and up 8% on a local currency basis.Adjusted EPS and Adjusted EBITDA MarginAdjusted EPS attributable to Equifax was $1.86 in the first quarter of 2026, up 22% compared to the first quarter of 2025.Adjusted EBITDA margin was 29.0% in the first quarter of 2026, down compared to 29.3% in the first quarter of 2025.These financial measures exclude certain items as described further in the Non-GAAP Financial Measures section below.2026 Second Quarter and Full Year Guidance


Q2 2026
FY 2026
Low-End
High-End
Low-End
High-EndReported Revenue$1.680 billion
$1.710 billion
$6.685 billion
$6.805 billionReported Revenue Growth9.3 %
11.3 %
10.0 %
12.0 %Local Currency Growth (1)8.4 %
10.4 %
9.1 %
11.1 %Organic Local Currency Growth (1)8.3 %
10.3 %
9.0 %
11.0 %Adjusted Earnings Per Share$2.15 per share
$2.25 per share
$8.34 per share
$8.74 per share

(1)Refer to page 8 for definitions. Additionally, the definitions can be found in the Non-GAAP Financial Measures below.About EquifaxAt Equifax (NYSE: EFX), we believe knowledge drives progress. As a global data, analytics, and technology company, we play an essential role in the global economy by helping financial institutions, companies, employers, and government agencies make critical decisions with greater confidence. Our unique blend of differentiated data, analytics, and cloud technology drives insights to power decisions to move people forward. Headquartered in Atlanta and supported by approximately 15,000 employees worldwide, Equifax operates or has investments in 24 countries in North America, Central and South America, Europe, and the Asia Pacific region. For more information, visit Equifax.com.Earnings Conference Call and Audio WebcastIn conjunction with this release, Equifax will host a conference call on April 21, 2026 at 8:30 a.m. (ET) via a live audio webcast. To access the webcast and related presentation materials, go to the Investor Relations section of our website at www.equifax.com. The discussion will be available via replay at the same site shortly after the conclusion of the webcast. This press release is also available at that website.Non-GAAP Financial MeasuresThis earnings release presents adjusted EPS attributable to Equifax which is diluted EPS attributable to Equifax adjusted (to the extent noted above for different periods) for acquisition-related amortization expense of certain acquired intangibles, accrual for legal and regulatory matters related to the 2017 cybersecurity incident, foreign currency impact of certain intercompany loans, acquisition-related costs other than acquisition amortization, income tax effect of stock awards recognized upon vesting or settlement, Argentina highly inflationary foreign currency adjustment, realignment of resources and other costs and antitrust litigation costs. All adjustments are net of tax, with a reconciling item with the aggregated tax impact of the adjustments. This earnings release also presents (i) adjusted EBITDA and adjusted EBITDA margin, which is defined as consolidated net income attributable to Equifax plus net interest expense, income taxes, depreciation and amortization, and also excludes certain one-time items, (ii) local currency revenue change, which is calculated by conforming 2026 results using 2025 exchange rates, (iii) organic local currency revenue growth, which is defined as local currency revenue growth, adjusted to reflect an increase in prior year Equifax revenue from the revenue of acquired companies in the prior year period, (iv) free cash flow, which is defined as cash provided by operating activities less capital expenditures, and (v) cash conversion, which is defined as the ratio of free cash flow to adjusted net income. These are important financial measures for Equifax but are not financial measures as defined by GAAP.These non-GAAP financial measures should be reviewed in conjunction with the relevant GAAP financial measures and are not presented as an alternative measure of net income or EPS as determined in accordance with GAAP.Reconciliations of these non-GAAP financial measures to the most directly comparable GAAP financial measures and related notes are presented in the Q&A. This information can also be found under "Investor Relations/Financial Information/Non-GAAP Financial Measures" on our website at www.equifax.com.Forward-Looking StatementsThis release contains forward-looking statements and forward-looking information. These statements can be identified by expressions of belief, expectation or intention, as well as statements that are not historical fact. These statements are based on certain factors and assumptions including with respect to foreign exchange rates, revenue growth, results of operations and financial performance, strategic initiatives, business plans, prospects and opportunities, the U.S. mortgage market, economic conditions and effective tax rates.While Equifax believes these factors and assumptions to be reasonable based on information currently available, they may prove to be incorrect. Several factors could cause actual results to differ materially from those expressed or implied in the forward-looking statements. These factors relate to (i) actions taken by us, including, but not limited to, restructuring actions, strategic initiatives (such as our cloud technology transformation), capital investments and asset acquisitions or dispositions, as well as (ii) developments beyond our control, including, but not limited to, changes in the U.S. mortgage market environment and changes more generally in U.S. and worldwide economic conditions (such as changes in interest rates and inflation levels, the evolving impact of tariffs and geopolitical conflicts) that materially impact consumer spending, home prices, investment values, consumer debt, unemployment rates and the demand for Equifax's products and services. Deteriorations in economic conditions or increases in interest rates could lead to a decline in demand for our products and services and negatively impact our business. It may also impact financial markets and corporate credit markets, which could adversely impact our access to financing or the terms of any financing.Other risk factors relevant to our business include: (i) any compromise of Equifax, customer or consumer information due to security breaches and other disruptions to our information technology infrastructure; (ii) the failure to achieve and maintain key industry or technical certifications; (iii) the failure to realize the anticipated benefits of our cloud technology transformation strategy; (iv) operational disruptions and strain on our resources caused by our transition to cloud-based technologies; (v) our ability to meet customer requirements for high system availability and response time performance; (vi) effects on our business if we provide inaccurate or unreliable data to customers; (vii) our ability to maintain access to credit, employment, financial and other data from external sources; (viii) the impact of competition; (ix) our ability to maintain relationships with key customers and business partners; (x) our ability to successfully introduce new products, services and analytical capabilities; (xi) the impact on the demand for some of our products and services due to the availability of free or less expensive consumer information; (xii) our ability to comply with our obligations under settlement agreements arising out of a material cybersecurity incident in 2017; (xiii) potential adverse developments in new and pending legal proceedings, government investigations and regulatory enforcement actions; (xiv) changes in, and the effects of, laws, regulations and government policies governing our business, including oversight by the Consumer Financial Protection Bureau in the U.S., the U.K. Financial Conduct Authority and Information Commissioner's Office in the U.K., and the Office of Australian Information Commission and the Australian Competition and Consumer Commission in Australia; (xv) the impact of privacy, cybersecurity, artificial intelligence or other data-related laws and regulations; (xvi) the economic, political and other risks associated with international sales and operations; (xvii) the impact on our reputation and business from our responsible business commitments and disclosures; (xviii) our ability to realize the anticipated strategic and financial benefits from our acquisitions, joint ventures and other alliances; (xix) any damage to our reputation due to our dependence on outsourcing certain portions of our operations; (xx) the termination or suspension of our government contracts; (xxi) the impact of infringement or misappropriation of intellectual property by us against third parties or by third parties against us; (xxii) an increase in our cost of borrowing and our ability to access the capital markets due to a credit rating downgrade; (xxiii) our ability to hire and retain key personnel; (xxiv) the impact of adverse changes in the financial markets and corresponding effects on our retirement and post-retirement pension plans; (xxv) the impact of health epidemics, pandemics and similar outbreaks on our business; and (xxvi) risks associated with our use of certain artificial intelligence and machine learning models and systems.A summary of additional risks and uncertainties can be found in our Annual Report on Form 10-K for the year ended December 31, 2025 including without limitation under the captions "Item 1. Business -- Governmental Regulation," "-- Forward-Looking Statements" and "Item 1A. Risk Factors" and in our other filings with the U.S. Securities and Exchange Commission. Forward-looking statements are given only as at the date of this release and Equifax disclaims any obligation to update or revise the forward-looking statements, whether as a result of new information, future events or otherwise, except as required by law.EQUIFAX INC.CONSOLIDATED STATEMENTS OF INCOME


Three Months Ended March 31,

2026
2025(In millions, except per share amounts)
(Unaudited)Operating revenue
$           1,648.9
$          1,442.0Operating expenses:



Cost of services (exclusive of depreciation and amortization below)
767.1
656.7Selling, general and administrative expenses
411.0
374.9Depreciation and amortization
183.1
174.6   Total operating expenses
1,361.2
1,206.2Operating income
287.7
235.8Interest expense
(55.7)
(52.9)Other income, net
3.8
2.5Consolidated income before income taxes
235.8
185.4Provision for income taxes
(62.5)
(51.6)Consolidated net income
173.3
133.8Less: Net income attributable to noncontrolling interests including redeemable
noncontrolling interests
(1.8)
(0.7)Net income attributable to Equifax
$             171.5
$             133.1Basic earnings per common share:



Net income attributable to Equifax
$               1.43
$               1.07Weighted-average shares used in computing basic earnings per share
120.0
124.1Diluted earnings per common share:



Net income attributable to Equifax
$               1.42
$               1.06Weighted-average shares used in computing diluted earnings per share
120.8
125.1Dividends per common share
$               0.56
$               0.39 EQUIFAX INC.CONDENSED CONSOLIDATED BALANCE SHEETS


March 31, 2026
December 31, 2025(In millions, except par values)
(Unaudited)ASSETS



Current assets:



Cash and cash equivalents
$               183.4
$             180.8Trade accounts receivable, net of allowance for doubtful accounts of $21.7 and $20.2 at
March 31, 2026 and December 31, 2025, respectively
1,071.9
1,012.7Prepaid expenses
184.5
144.2Other current assets
46.9
74.5   Total current assets
1,486.7
1,412.2Property and equipment:



Capitalized internal-use software and system costs
2,988.4
3,098.2Data processing equipment and furniture
239.3
239.3Land, buildings and improvements
301.0
299.6   Total property and equipment
3,528.7
3,637.1Less accumulated depreciation and amortization
(1,599.1)
(1,704.7)   Total property and equipment, net
1,929.6
1,932.4Goodwill
6,790.9
6,745.7Indefinite-lived intangible assets
94.8
94.8Purchased intangible assets, net
1,283.2
1,331.3Other assets, net
356.8
347.8Total assets
$          11,942.0
$         11,864.2LIABILITIES AND EQUITY



Current liabilities:



Short-term debt and current maturities of long-term debt
$            1,252.5
$           1,038.0Accounts payable
158.4
206.4Accrued expenses
379.0
276.3Accrued salaries and bonuses
142.5
286.1Deferred revenue
106.3
101.2Other current liabilities
412.0
427.4Total current liabilities
2,450.7
2,335.4Long-term debt
4,055.6
4,055.3Deferred income tax liabilities, net
401.9
390.8Long-term pension and other postretirement benefit liabilities
102.5
103.4Other long-term liabilities
248.5
241.1Total liabilities
7,259.2
7,126.0Redeemable noncontrolling interests
120.4
114.4Equifax shareholders' equity:



Preferred stock, $0.01 par value: Authorized shares - 10.0; Issued shares - none
—
—Common stock, $1.25 par value: Authorized shares - 300.0;Issued shares - 189.3 at March 31, 2026 and December 31, 2025;Outstanding shares - 119.3 and 120.4 at March 31, 2026 and December 31, 2025, respectively
236.6
236.6Paid-in capital
2,064.0
2,023.4Retained earnings
6,549.2
6,445.1Accumulated other comprehensive loss
(462.2)
(517.1)Treasury stock, at cost, 69.4 and 68.3 shares at March 31, 2026 and December 31, 2025,
respectively
(3,841.0)
(3,577.8)Stock held by employee benefits trusts, at cost, 0.6 shares at March 31, 2026 and December 31,
2025
(5.9)
(5.9)Total Equifax shareholders' equity
4,540.7
4,604.3Noncontrolling interests
21.7
19.5Total shareholders' equity
4,562.4
4,623.8Total liabilities, redeemable noncontrolling interests, and shareholders' equity
$          11,942.0
$          11,864.2 EQUIFAX INC.CONSOLIDATED STATEMENTS OF CASH FLOWS


Three Months Ended March 31,

2026
2025(In millions)
(Unaudited)Operating activities:



Consolidated net income
$            173.3
$            133.8Adjustments to reconcile consolidated net income to net cash provided by operating activities:



Depreciation and amortization
184.8
176.4Stock-based compensation expense
43.3
33.5Deferred income taxes
13.5
(3.0)Changes in assets and liabilities, excluding effects of acquisitions:



Accounts receivable, net
(58.3)
(55.0)Other assets, current and long-term
(16.3)
(5.5)Current and long term liabilities, excluding debt
(98.4)
(56.3)Cash provided by operating activities
241.9
223.9Investing activities:



Capital expenditures
(120.4)
(107.2)Cash used in investing activities
(120.4)
(107.2)Financing activities:



Net short-term borrowings (payments)
214.9
(48.1)Payments on long-term debt
(1.4)
—Treasury stock purchases
(260.0)
—Dividends paid to Equifax shareholders
(67.1)
(48.5)Proceeds from exercise of stock options and employee stock purchase plan
10.4
12.3Payment of taxes related to settlement of equity awards
(14.5)
(11.5)Cash used in financing activities
(117.7)
(95.8)Effect of foreign currency exchange rates on cash and cash equivalents
(1.2)
4.4Increase in cash and cash equivalents
2.6
25.3Cash and cash equivalents, beginning of period
180.8
169.9Cash and cash equivalents, end of period
$            183.4
$            195.2Common Questions & Answers (Unaudited)
(Dollars in millions)1.    Can you provide a further analysis of operating revenue by operating segment?Operating revenue consists of the following components:(In millions)
Three Months Ended March 31,

















Local
Currency
Organic
Local
CurrencyOperating revenue:
2026
2025
$ Change
% Change
% Change (1)
% Change (2)Verification Services
$          571.4
$          502.2
$        69.2
14 %


13 %Employer Services
111.7
116.4
(4.7)
(4) %


(4) %Total Workforce Solutions
683.1
618.6
64.5
10 %


10 %Online Information Solutions
553.7
448.1
105.6
24 %


24 %Financial Marketing Services
51.9
51.8
0.1
— %


— %Total U.S. Information Solutions
605.6
499.9
105.7
21 %


21 %Latin America
102.7
94.2
8.5
9 %
4 %
4 %Europe
94.0
86.6
7.4
9 %
1 %
1 %Asia Pacific
92.6
79.7
12.9
16 %
6 %
6 %Canada
70.9
63.0
7.9
12 %
8 %
8 %Total International
360.2
323.5
36.7
11 %
4 %
4 %   Total operating revenue
$       1,648.9
$       1,442.0
$      206.9
14 %
13 %
13 %

(1)Local currency revenue change is calculated by conforming 2026 results using 2025 exchange rates.

(2)Organic local currency revenue growth is defined as local currency revenue growth, adjusted to reflect an increase in prior year Equifax revenue from the revenue of acquired companies in the prior year period. This adjustment is made for 12 months following the acquisition.Reconciliations of Non-GAAP Financial Measures to the Comparable GAAP Financial Measures (Unaudited)
(Dollars in millions, except per share amounts)A.    Reconciliation of net income attributable to Equifax to adjusted net income attributable to Equifax and adjusted diluted EPS attributable to Equifax, defined as net income and EPS, respectively, each adjusted for acquisition-related amortization expense of certain acquired intangibles, accrual for legal and regulatory matters related to the 2017 cybersecurity incident, foreign currency impact of certain intercompany loans, acquisition-related costs other than acquisition amortization, income tax effect of stock awards recognized upon vesting or settlement, Argentina highly inflationary foreign currency adjustment, realignment of resources and other costs, antitrust litigation costs and aggregated tax impact of these adjustments:

Three Months Ended March 31,



(In millions, except per share amounts)
2026
2025
$ Change
% ChangeNet income attributable to Equifax
$          171.5
$          133.1
$       38.4
29 %Acquisition-related amortization expense of certain acquired intangibles (1)
62.0
62.3
(0.3)
— %Accrual for legal and regulatory matters related to the 2017 cybersecurity incident (2)
0.3
0.1
0.2
nmForeign currency impact of certain intercompany loans (3)
(0.2)
(0.2)
—
— %Acquisition-related costs other than acquisition amortization (4)
5.1
11.6
(6.5)
(56) %Income tax effects of stock awards that are recognized upon vesting or settlement (5)
(0.5)
(1.1)
0.6
(55) %Argentina highly inflationary foreign currency adjustment (6)
(0.2)
0.5
(0.7)
nmRealignment of resources and other costs (7)
—
1.4
(1.4)
nmAntitrust litigation costs (8)
1.4
—
1.4
nmTax impact of adjustments (9)
(14.3)
(16.3)
2.0
(12) %Adjusted net income attributable to Equifax
$          225.1
$          191.4
$       33.7
18 %Adjusted diluted EPS attributable to Equifax
$            1.86
$            1.53
$       0.33
22 %Weighted-average shares used in computing diluted EPS
120.8
125.1




nm - not meaningful
(1)During the first quarter of 2026, we recorded acquisition-related amortization expense of certain acquired intangibles of $62.0 million ($49.5 million, net of tax). We calculate this financial measure by excluding the impact of acquisition-related amortization expense and including a benefit to reflect the significant cash income tax savings resulting from the income tax deductibility of amortization for certain acquired intangibles. The $12.5 million of tax is comprised of $16.5 million of tax expense, net of $4.0 million of a cash income tax benefit. During the first quarter of 2025, we recorded acquisition-related amortization expense of certain acquired intangibles of $62.3 million ($49.8 million, net of tax). The $12.5 million of tax is comprised of $16.6 million of tax expense, net of $4.1 million of a cash income tax benefit. See the Notes to this reconciliation for additional detail.

(2)During the first quarter of 2026 and 2025, we recorded an accrual for legal and regulatory matters related to the 2017 cybersecurity incident of $0.3 million ($0.2 million, net of tax) and $0.1 million ($0.1 million, net of tax), respectively. See the Notes to this reconciliation for additional detail.

(3)During the first quarter of 2026 and 2025, we recorded a foreign currency gain of $0.2 million on certain intercompany loans. The impact was recorded to the Other income, net line item within the Consolidated Statements of Income. See the Notes to this reconciliation for additional detail.

(4)During the first quarter of 2026 and 2025, we recorded $5.1 million ($3.8 million, net of tax) and $11.6 million ($8.2 million, net of tax), respectively, for acquisition-related costs other than acquisition amortization. These costs primarily related to integration costs resulting from recent acquisition activity and were recorded in operating income. See the Notes to this reconciliation for additional detail.

(5)During the first quarter of 2026 and 2025, we recorded a tax benefit of $0.5 million and $1.1 million, respectively, related to the tax effects of deductions for stock compensation in excess of amounts recorded for compensation costs. See the Notes to this reconciliation for additional detail.

(6)Argentina experienced multiple periods of increasing inflation rates, devaluation of the peso, and increasing borrowing rates. As such, Argentina was deemed a highly inflationary economy by accounting policymakers. During the first quarter of 2026 and 2025, we recorded a foreign currency gain of $0.2 million and a foreign currency loss of $0.5 million, respectively, related to the impact of remeasuring the peso denominated monetary assets and liabilities as a result of Argentina being a highly inflationary economy. See the Notes to this reconciliation for additional detail.

(7)During the first quarter of 2025, we recorded $1.4 million ($1.0 million, net of tax) of restructuring charges related to contract terminations, which relate to our efforts to complete our cloud technology transformation. See the Notes to this reconciliation for additional detail.

(8)During the first quarter of 2026, we recorded costs related to antitrust litigation pertaining to our Workforce Solutions business unit in the amount of $1.4 million ($1.0 million, net of tax). See the Notes to this reconciliation for additional detail.

(9)During the first quarter of 2026, we recorded the tax impact of adjustments of $14.3 million comprised of (i) acquisition-related amortization expense of certain acquired intangibles of $12.5 million ($16.5 million of tax expense, net of $4.0 million of cash income tax benefit), (ii) a tax adjustment of $0.1 million related to an accrual for legal and regulatory matters related to the 2017 cybersecurity incident, (iii) a tax adjustment of $1.3 million related to acquisition-related costs other than acquisition amortization, and (iv) a tax adjustment of $0.4 million related to antitrust litigation costs.


During the first quarter of 2025, we recorded the tax impact of adjustments of $16.3 million comprised of (i) acquisition-related amortization expense of certain acquired intangibles of $12.5 million ($16.6 million of tax expense, net of $4.1 million of cash income tax benefit), (ii) a tax adjustment of $3.4 million related to acquisition-related costs other than acquisition amortization, and (iii) a tax adjustment of $0.4 million related to restructuring charges.B.    Reconciliation of net income attributable to Equifax to adjusted EBITDA, defined as net income excluding income taxes, interest expense, net, depreciation and amortization expense, accrual for legal and regulatory matters related to the 2017 cybersecurity incident, foreign currency impact of certain intercompany loans, acquisition-related costs other than acquisition amortization, Argentina highly inflationary foreign currency adjustment, realignment of resources and other costs, antitrust litigation costs and presentation of adjusted EBITDA margin: 

Three Months Ended March 31,



 (In millions)
2026
2025
$ Change
% ChangeRevenue
$      1,648.9
$     1,442.0
$     206.9
14 %








Net income attributable to Equifax
$         171.5
$        133.1
$       38.4
29 %Income taxes
62.5
51.6
10.9
21 %Interest expense, net*
53.9
50.4
3.5
7 %Depreciation and amortization
183.1
174.6
8.5
5 %Accrual for legal and regulatory matters related to 2017 cybersecurity incident (1)
0.3
0.1
0.2
nmForeign currency impact of certain intercompany loans (2)
(0.2)
(0.2)
—
— %Acquisition-related costs other than acquisition amortization (3)
5.1
11.6
(6.5)
(56) %Argentina highly inflationary foreign currency adjustment (4)
(0.2)
0.5
(0.7)
nmRealignment of resources and other costs (5)
—
1.4
(1.4)
nmAntitrust litigation costs (6)
1.4
—
1.4
nmAdjusted EBITDA, excluding the items listed above
$         477.4
$        423.1
$       54.3
13 %Adjusted EBITDA margin
29.0 %
29.3 %





nm - not meaningful*Excludes interest income of $1.8 million in the first quarter of 2026 and $2.5 million in the first quarter of 2025.
(1)During the first quarter of 2026 and 2025, we recorded an accrual for legal and regulatory matters related to the 2017 cybersecurity incident of $0.3 million ($0.2 million, net of tax) and $0.1 million ($0.1 million, net of tax), respectively. See the Notes to this reconciliation for additional detail.

(2)During the first quarter of 2026 and 2025, we recorded a foreign currency gain of $0.2 million on certain intercompany loans. The impact was recorded to the Other income, net line item within the Consolidated Statements of Income. See the Notes to this reconciliation for additional detail.

(3)During the first quarter of 2026 and 2025, we recorded $5.1 million ($3.8 million, net of tax) and $11.6 million ($8.2 million, net of tax), respectively, for acquisition-related costs other than acquisition amortization. These costs primarily related to integration costs resulting from recent acquisition activity and were recorded in operating income. See the Notes to this reconciliation for additional detail.

(4)Argentina experienced multiple periods of increasing inflation rates, devaluation of the peso, and increasing borrowing rates. As such, Argentina was deemed a highly inflationary economy by accounting policymakers. During the first quarter of 2026 and 2025, we recorded a foreign currency gain of $0.2 million and a foreign currency loss of $0.5 million, respectively, related to the impact of remeasuring the peso denominated monetary assets and liabilities as a result of Argentina being a highly inflationary economy. See the Notes to this reconciliation for additional detail.

(5)During the first quarter of 2025, we recorded $1.4 million ($1.0 million, net of tax) of restructuring charges related to contract terminations, which relate to our efforts to complete our cloud technology transformation. See the Notes to this reconciliation for additional detail.

(6)During the first quarter of 2026, we recorded costs related to antitrust litigation pertaining to our Workforce Solutions business unit in the amount of $1.4 million ($1.0 million, net of tax). See the Notes to this reconciliation for additional detail.C.    Reconciliation of operating income by segment to Adjusted EBITDA, excluding depreciation and amortization expense, other income, net, noncontrolling interest, accrual for legal and regulatory matters related to the 2017 cybersecurity incident, foreign currency impact of certain intercompany loans, acquisition-related costs other than acquisition amortization, Argentina highly inflationary foreign currency adjustment, realignment of resources and other costs, antitrust litigation costs and presentation of adjusted EBITDA margin for each of the segments:(In millions)Three Months Ended March 31, 2026

Workforce
Solutions
U.S.
Information
Solutions
International

General
Corporate
Expense
Total





Revenue
$        683.1
$       605.6
$        360.2

—
$     1,648.9Operating income
309.4
122.3
34.1

(178.1)
287.7Depreciation and amortization
47.4
60.9
51.7

23.1
183.1Other income (expense), net*
—
0.4
1.7

(0.1)
2.0Noncontrolling interest
—
—
(1.8)

—
(1.8)Adjustments (1)
0.5
—
4.2

1.7
6.4Adjusted EBITDA
$        357.3
$       183.6
$          89.9

$         (153.4)
$        477.4Operating margin
45.3 %
20.2 %
9.5 %

nm
17.5 %Adjusted EBITDA margin
52.3 %
30.3 %
25.0 %

nm
29.0 %
nm - not meaningful*Excludes interest income of $1.5 million in International and $0.3 million in General Corporate Expense. (In millions)
Three Months Ended March 31, 2025

Workforce
Solutions
U.S.
Information
Solutions
International

General
Corporate
Expense
Total





Revenue
$       618.6
$        499.9
$        323.5

—
$     1,442.0Operating income
264.1
105.7
25.4

(159.4)
235.8Depreciation and amortization
44.6
63.3
43.7

23.0
174.6Other (expense) income, net*
(0.1)
0.3
0.7

(0.9)
—Noncontrolling interest
—
—
(0.7)

—
(0.7)Adjustments (1)
1.6
1.4
9.0

1.4
13.4Adjusted EBITDA
$       310.2
$        170.7
$          78.1

$         (135.9)
$        423.1Operating margin
42.7 %
21.1 %
7.8 %

nm
16.4 %Adjusted EBITDA margin
50.1 %
34.1 %
24.1 %

nm
29.3 %

nm - not meaningful*Excludes interest income of $2.3 million in International and $0.2 million in General Corporate Expense.
(1)During the first quarter of 2026, we recorded pre-tax expenses of $0.3 million for an accrual for legal and regulatory matters related to the 2017 cybersecurity incident, $0.2 million for a foreign currency gain on certain intercompany loans, $5.1 million for acquisition-related costs other than acquisition amortization, $0.2 million for a foreign currency gain related to the impact of remeasuring the peso denominated monetary assets and liabilities as a result of Argentina being a highly inflationary economy, and $1.4 million of antitrust litigation costs.


During the first quarter of 2025, we recorded pre-tax expenses of $0.1 million for an accrual for legal and regulatory matters related to the 2017 cybersecurity incident, $0.2 million for a foreign currency gain on certain intercompany loans, $11.6 million for acquisition-related costs other than acquisition amortization, $0.5 million for a foreign currency loss related to the impact of remeasuring the peso denominated monetary assets and liabilities as a result of Argentina being a highly inflationary economy, and $1.4 million of restructuring charges for the realignment of resources and other costs.Notes to Reconciliations of Non-GAAP Financial Measures to the Comparable GAAP Financial MeasuresDiluted EPS attributable to Equifax is adjusted for the following items:Acquisition-related amortization expense - During the first quarter of 2026 and 2025, we recorded acquisition-related amortization expense of certain acquired intangibles of $62.0 million ($49.5 million, net of tax) and $62.3 million ($49.8 million, net of tax), respectively. We calculate this financial measure by excluding the impact of acquisition-related amortization expense and including a benefit to reflect the material cash income tax savings resulting from the income tax deductibility of amortization for certain acquired intangibles. These financial measures are not prepared in conformity with GAAP. Management believes excluding the impact of amortization expense is useful because excluding acquisition-related amortization, and other items that are not comparable, allows investors to evaluate our performance for different periods on a more comparable basis. Certain acquired intangibles result in material cash income tax savings which are not reflected in earnings. Management believes that including a benefit to reflect the cash income tax savings is useful as it allows investors to better value Equifax. Management makes these adjustments to earnings when measuring profitability, evaluating performance trends, setting performance objectives and calculating our return on invested capital.Accrual for legal and regulatory matters related to the 2017 cybersecurity incident - Accrual for legal and regulatory matters related to the 2017 cybersecurity incident includes legal fees to respond to subsequent litigation and government investigations for both periods presented. During the first quarter of 2026 and 2025, we recorded an accrual for legal and regulatory matters related to the 2017 cybersecurity incident of $0.3 million ($0.2 million, net of tax) and $0.1 million ($0.1 million, net of tax), respectively. Management believes excluding these charges is useful as it allows investors to evaluate our performance for different periods on a more comparable basis. Management makes these adjustments to net income when measuring profitability, evaluating performance trends, setting performance objectives and calculating our return on invested capital. This is consistent with how management reviews and assesses Equifax's historical performance and is useful when planning, forecasting and analyzing future periods.Foreign currency impact of certain intercompany loans - During the first quarter of 2026 and 2025, we recorded a gain of $0.2 million related to foreign currency impact of certain intercompany loans. Management believes excluding this charge is useful as it allows investors to evaluate our performance for different periods on a more comparable basis. This is consistent with how management reviews and assesses Equifax's historical performance and is useful when planning, forecasting and analyzing future periods.Acquisition-related costs other than acquisition amortization - During the first quarter of 2026 and 2025, we recorded $5.1 million ($3.8 million, net of tax) and $11.6 million ($8.2 million, net of tax), respectively, for acquisition-related costs other than acquisition amortization. These costs primarily related to transaction and integration costs resulting from recent acquisitions and were recorded in operating income. Management believes excluding this charge from certain financial results provides meaningful supplemental information regarding our financial results, since a charge of such an amount is not comparable among the periods. This is consistent with how our management reviews and assesses Equifax's historical performance and is useful when planning, forecasting, and analyzing future periods.Income tax effects of stock awards that are recognized upon vesting or settlement - During the first quarter of 2026 and 2025, we recorded a tax benefit of $0.5 million and $1.1 million, respectively, related to the tax effects of deductions for stock compensation in excess of amounts recorded for compensation costs. Management believes excluding this tax effect from financial results provides meaningful supplemental information regarding our financial results for the three months ended March 31, 2026 and 2025 because these amounts are non-operating and relate to income tax benefits or deficiencies for stock awards recognized when tax amounts differ from recognized stock compensation cost. This is consistent with how management reviews and assesses Equifax's historical performance and is useful when planning, forecasting and analyzing future periods.Argentina highly inflationary foreign currency adjustment - Argentina experienced multiple periods of increasing inflation rates, devaluation of the peso, and increasing borrowing rates. As such, Argentina was deemed a highly inflationary economy by accounting policymakers. We recorded a foreign currency gain of $0.2 million and a foreign currency loss of $0.5 million during the first quarter of 2026 and 2025, respectively, as a result of remeasuring the peso denominated monetary assets and liabilities due to Argentina being highly inflationary. Management believes excluding this charge is useful as it allows investors to evaluate our performance for different periods on a more comparable basis. This is consistent with how management reviews and assesses Equifax's historical performance and is useful when planning, forecasting and analyzing future periods.Charge related to the realignment of resources and other costs - During the first quarter of 2025, we recorded $1.4 million ($1.0 million, net of tax) of restructuring charges related to contract terminations, which relate to our efforts to complete our cloud technology transformation. Management believes excluding these charges from certain financial results provides meaningful supplemental information regarding our financial results for the three months ended March 31, 2026 and 2025 since the charges are not comparable among the periods. This is consistent with how our management reviews and assesses Equifax's historical performance and is useful when planning, forecasting and analyzing future periods.Antitrust litigation costs - Antitrust litigation costs include legal fees to respond to antitrust litigation pertaining to our Workforce Solutions business unit. During the first quarter of 2026, we recorded costs related to antitrust litigation pertaining to our Workforce Solutions business unit in the amount of $1.4 million ($1.0 million, net of tax). Management believes excluding these charges is useful as it allows investors to evaluate our performance for different periods on a more comparable basis, as these legal matters are outside of the normal course of Equifax's continuing business operations. Management makes these adjustments to net income when measuring profitability, evaluating performance trends, setting performance objectives and calculating our return on invested capital. This is consistent with how management reviews and assesses Equifax's historical performance and is useful when planning, forecasting and analyzing future periods.Adjusted EBITDA and EBITDA margin - Management defines adjusted EBITDA as consolidated net income attributable to Equifax plus net interest expense, income taxes, depreciation and amortization, and also excludes certain one-time items. Management believes the use of adjusted EBITDA and adjusted EBITDA margin allows investors to evaluate our performance for different periods on a more comparable basis.Contact:




Trevor BurnsKate Walker
Investor RelationsMedia Relations
trevor.burns@equifax.commediainquiries@equifax.com
 



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Original: Equifax Delivers Record First Quarter Revenue - $37 Million Above Midpoint of February Guidance

Equifax Introduces The Work Number® Record Indicator for Auto or Personal LoansApril 14, 2026 7:45 AM
PR Newswire (US)

New Solution Helps to Fast Track Digital Verifications, Reducing Friction for Lenders and Borrowers ATLANTA, April 14, 2026  /PRNewswire/ -- Equifax® (NYSE: EFX) today announced the launch of The Work Number® Record Indicator for auto or personal loans, a new solution that delivers income and employment insights from The Work Number alongside the Equifax consumer credit report at the start of the auto or personal loan application process. This integration can help lenders accelerate the approval process and reduce friction for both the borrower and lender.







The Work Number Record Indicator returns a response indicating whether a verification of income and employment (VOIE) is available for an applicant from The Work Number. This immediate visibility gives lenders the ability to instantly segment their workflows, fast-tracking appropriate borrowers through an automated, paperless path while proactively identifying those who may require manual documentation. By reducing  guesswork from the start of the application process, lenders can offer appropriate loans while borrowers can benefit from a faster approval process."By providing The Work Number Record Indicator for auto or personal loans alongside the Equifax Consumer Credit Report, we are bridging two critical viewpoints -- the consumer's current capacity to pay and their historical credit behavior," said Barrett Teague, Vice President of Sales, Auto Lending at Equifax. "This powerful combination provides lenders with the immediate clarity needed to make more informed, data-driven decisions, while delivering the seamless digital-first experience that today's borrowers expect."Key Benefits for Lenders and Borrowers:Enhanced Decision-Making: Delivers a more nuanced view of a borrower's financial health by providing credit insights alongside an indicator of employment and income data availability.Operational Efficiency: Allows lenders to segment applications based on digital data availability, reducing manual touches and downstream friction.Improved Borrower Experience: Reduces the need for manual document collection for many applicants, supporting quicker "right-sized" loan offers and faster approvals.The Work Number Record Indicator for auto or personal loans is the latest multi-data solution from Equifax, joining offerings including Equifax Employment Insights, which provides auto dealers a more complete picture of a buyer's financial profile earlier in the car-buying process, at both the pre-qualification and financing stages.For more information about The Work Number Record Indicator, please visit our website.ABOUT EQUIFAX INC. At Equifax (NYSE: EFX), we believe knowledge drives progress. As a global data, analytics, and technology company, we play an essential role in the global economy by helping financial institutions, companies, employers, and government agencies make critical decisions with greater confidence. Our unique blend of differentiated data, analytics, and cloud technology drives insights to power decisions to move people forward. Headquartered in Atlanta and supported by nearly 15,000 employees worldwide, Equifax operates or has investments in 24 countries in North America, Central and South America, Europe, and the Asia Pacific region. For more information, visit www.equifax.com.FOR MORE INFORMATION:
Dan Jenkins for Equifax Workforce Solutions
mediainquiries@equifax.com 



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Original: Equifax Introduces The Work Number® Record Indicator for Auto or Personal Loans

Equifax Announces Earnings Release Date and Conference Call for First Quarter 2026 ResultsApril 7, 2026 4:20 PM
PR Newswire (US)

ATLANTA, April 7, 2026 /PRNewswire/ -- Equifax® (NYSE: EFX) will announce its financial results for the first quarter ended March 31, 2026, in a release to be issued on Tuesday, April 21, at 6:30 a.m. Eastern Time (ET).







Equifax will host a conference call at 8:30 a.m. ET on April 21, in which senior management will discuss financial and business results for the quarter. Related presentation materials will be published on investor.equifax.com on April 21 at 6:30 a.m. ET.Conference Call:
US/Canada: 877-559-1190 / +1 201-389-0916
International: Click here for participant International Toll-Free access numbersPlease dial the appropriate number 5-10 minutes prior to the call to complete registration. Name and affiliation/company are required to join the call.Webcast:
To view the webcast and slide presentation, please click the link and enter your information to be connected. The link becomes active 15 minutes prior to the scheduled start time.An audio replay of the conference call will be available on investor.equifax.com beginning on April 22.ABOUT EQUIFAX INC.
At Equifax (NYSE: EFX), we believe knowledge drives progress. As a global data, analytics, and technology company, we play an essential role in the global economy by helping financial institutions, companies, employers, and government agencies make critical decisions with greater confidence. Our unique blend of differentiated data, analytics, and cloud technology drives insights to power decisions to move people forward. Headquartered in Atlanta and supported by nearly 15,000 employees worldwide, Equifax operates or has investments in 24 countries in North America, Central and South America, Europe, and the Asia Pacific region. For more information, visit Equifax.com.FOR MORE INFORMATION:
Molly Clegg for Equifax
molly.clegg@equifax.com



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Original: Equifax Announces Earnings Release Date and Conference Call for First Quarter 2026 Results

Equifax launches free app to help consumers find old or missing paperwork in time for the FCA's redress schemeMarch 23, 2026 6:02 AM
PR Newswire (US)

LONDON, March 23, 2026 /PRNewswire/ -- The Financial Conduct Authority's (FCA) motor finance consumer redress scheme is expected to take effect soon, with millions of consumers potentially eligible to receive compensation for mis-sold car loans. Around 14 million car finance agreements (including vans, motorbikes and campervans) may be eligible, with estimated payouts averaging £700. To help streamline the search process for consumers looking for previous car finance agreements, Equifax has released its new, free myEquifax app, which includes a free car finance checker tool.Available now for download in the Apple Store and Google Play, the app enables consumers to view a comprehensive list of past agreements as well as a 'Share Agreement' function to easily extract and paste key details – including agreement reference numbers, dates, and amounts – into their chosen format, such as an email to their lender. The app also includes the ability for consumers to access their free Equifax Basic credit score.Craig Tebbutt, financial health expert at Equifax UK, said: "Most of us wouldn't dream of declining an offer of £700, but we could be doing exactly that when it comes to the FCA's redress scheme. The FCA estimates 14 million car finance agreements are potentially eligible for compensation, but old or missing paperwork means accessing the necessary information can be a real barrier and we know that many expect the process to be a hassle. The new myEquifax car finance checker app is a free tool for consumers to simplify finding and accessing past loan records and sharing key details with lenders in minutes."A related, recent survey of 2,000 UK consumers[1] indicates that there is often anxiety around tackling financial administration issues. The research revealed that consumers avoid doing so because: they do not want to confront reality (25%), they lack the time (21%), and the perceived difficulty (17%). A significant 21% also delay it simply because of the sheer inconvenience. This hesitation is in spite of the potential financial benefits, as over a third believe an annual financial review could save them up to £500, with 12% estimating the savings could be as high as £1,000.Tebbutt concluded: "We're a nation of savers and there are lots of good personal finance habits out there to celebrate, but a thorough MOT of our household finances can often fall down the priority list. Small habits like regularly checking your credit score can help empower financial well-being and enable consumers to meet their financial goals faster." Nationally represented survey of 2,000 UK adults conducted online by Focaldata, 24-25 February 2026.About Equifax At Equifax (NYSE: EFX), we believe knowledge drives progress. As a global data, analytics, and technology company, we play an essential role in the global economy by helping financial institutions, companies, employers, and government agencies make critical decisions with greater confidence. Our unique blend of differentiated data, analytics, and cloud technology drives insights to power decisions to move people forward. Headquartered in Atlanta and supported by nearly 15,000 employees worldwide, Equifax operates or has investments in 24 countries in North America, Central and South America, Europe, and the Asia Pacific region.Equifax Ltd is one of the Equifax group companies based in the UK. Equifax Ltd is authorised and regulated by the Financial Conduct Authority. For more information, visit equifax.co.uk and follow the company's news on LinkedIn.



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Original: Equifax launches free app to help consumers find old or missing paperwork in time for the FCA's redress scheme

Equifax Releases 2025 Security Annual ReportMarch 18, 2026 7:45 AM
PR Newswire (US)

Sixth Annual Report Highlights AI-Accelerated Defenses, Security-Driven Business Innovation, and Continued Industry CollaborationATLANTA, March 18, 2026 /PRNewswire/ -- Equifax® (NYSE: EFX) today released its 2025 Security Annual Report, detailing a year of relentless optimization as the company leverages EFX.AI to power the future of the organization. The sixth annual report outlines how Equifax is navigating the intersection of AI and cybersecurity from three distinct angles: deploying AI to streamline its own defenses, building the architectural guardrails to secure the business's use of generative AI tools, and recalibrating its posture to mitigate adversarial AI threats.







"With our $3 billion global security and technology transformation and the creation of the Equifax Cloud™, principally complete, EFX.AI is powering the future of the New Equifax," said Mark W. Begor, CEO of Equifax. "Last year, we ramped the deployment of patented EFX.AI technology in our record number of New Product Innovations, leveraging the unique and proprietary data that sets Equifax apart in the industry. We also gained efficiencies by leveraging AI internally to spend less time on routine items and more time on the complex, creative, and collaborative challenges that drive our company forward. Our unwavering commitment to security sets a strong foundation for this innovation. We remain committed to being an industry leader in cybersecurity."In 2025, Equifax defended against an average of 19.8 million cyber threats each day — a 30% increase from the prior year. With its cloud-native infrastructure and security-first culture, Equifax continued to optimize its security operations to meet this escalating threat volume while securing the business's use of AI for innovation.Key highlights of the 2025 Equifax Security Annual Report include:Streamlining Security Operations: Equifax built and piloted a specialized AI triage agent that is now helping auto-resolve nearly 50% of all Security Operations Center (SOC) tickets, keeping its mean time to detect cyber threats below one minute.
 Enabling Frictionless Innovation: By implementing automated guardrails and custom AI advisory assistants, Equifax reduced security consult times by 61%. These and other optimizations enabled the secure launch of a record number of New Product Innovations (NPIs) in 2025.
 Defending Against Adversarial AI: As threat actors weaponized AI to increase the speed and sophistication of attacks, Equifax deployed adaptive external defenses that successfully intercepted live deepfake attacks targeting leadership and blocked evasive malware designed to bypass traditional filters.
 Leading Through Co-Innovation and Transparency: Equifax continued to drive industry standards by partnering directly with major endpoint, cloud, and identity vendors to shape and harden native security capabilities."When I joined Equifax in May 2025, I didn't find a security team taking a victory lap. I found a group with an intense drive to keep pushing forward," said Jeremy Koppen, Chief Information Security Officer of Equifax. "That mindset is critical right now. The threat landscape is moving at incredible speed, and you can't outwork that kind of scale manually. You have to out-engineer it. Leveraging our cloud-native infrastructure, we're using the power of AI in conjunction with our skilled analysts, putting in guardrails that let our workforce maximize AI tools to innovate securely at top speed. Ultimately, we're proving that top-tier security accelerates innovation."The maturity of the Equifax cybersecurity program, with a 2025 National Institute of Standards and Technology (NIST) Cybersecurity Framework score of 4.4, increased in 2025 according to a leading global research and advisory firm, outperforming all major industry benchmarks for the sixth consecutive year. Equifax also maintained a security posture score that exceeded Technology and Financial Services industry averages.Looking ahead, Equifax will continue evolving its defenses to outpace emerging threats and ensure that security remains a powerful accelerator of innovation.View the complete 2025 Equifax Security Annual Report here.ABOUT EQUIFAX INC.
At Equifax (NYSE: EFX), we believe knowledge drives progress. As a global data, analytics, and technology company, we play an essential role in the global economy by helping financial institutions, companies, employers, and government agencies make critical decisions with greater confidence. Our unique blend of differentiated data, analytics, and cloud technology drives insights to power decisions to move people forward. Headquartered in Atlanta and supported by nearly 15,000 employees worldwide, Equifax operates or has investments in 24 countries in North America, Central and South America, Europe, and the Asia Pacific region. For more information, visit Equifax.com.FOR MORE INFORMATION:
Stacy Kirk for Equifax
MediaInquiries@equifax.com



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Original: Equifax Releases 2025 Security Annual Report

Equifax Reiterates Support for U.S. Federal Housing Finance Agency's Commitment to Mortgage AffordabilityMarch 9, 2026 4:15 PM
PR Newswire (US)

Company Drives Potential $1 Billion in Industry Cost Savings and Reduces Loan Acquisition Costs with New VantageScore® 4.0 Mortgage Credit Score Pricing ChangesEquifax is advancing housing affordability and driving adoption by the mortgage industry by offering VantageScore® 4.0 mortgage credit scores at $1 – reducing loan acquisition costs to make the path to homeownership more affordable for everyone.Free VantageScore 4.0 credit scores will continue to be offered to all Equifax mortgage, automotive, card, and consumer finance customers who purchase FICO scores to drive industry adoption.Equifax continues to enhance the value of mortgage solutions by delivering The Work Number® Report Indicator and additional alternative data including telecom, pay TV and utilities attributes alongside the Equifax mortgage credit report at no cost.Free income and employment indicators are also available alongside Equifax credit reports for automotive and card financing with consumer finance scheduled for introduction later in 2026.Actions benefit underserved consumers by providing ready access to a scoring model that includes alternative data not found in traditional scores, and has the potential to save the mortgage industry and consumers an estimated $1 billion.ATLANTA, March 9, 2026  /PRNewswire/ -- Equifax® (NYSE: EFX) is reiterating its support of the U.S. Federal Housing Finance Agency (FHFA) Director Bill Pulte's decision in July 2025 to bring scoring competition to the mortgage industry and his commitment to mortgage affordability by offering VantageScore® 4.0 mortgage credit scores for $1. This move – which provides a 90% savings over lenders' current mortgage credit score costs – builds on the February 2026 economic benefits study conducted by Deep Future Analytics. Lowering the cost of VantageScore 4.0 mortgage credit scores to $1 will enable a potential $1 billion in savings for the mortgage industry derived from the cost difference among score providers, drive adoption by the mortgage industry, and reduce loan acquisition costs for consumers. Equifax will also continue to offer free VantageScore 4.0 credit scores to all Equifax customers in mortgage, automotive, card and consumer finance who purchase FICO scores. This action benefits underserved consumers by providing ready access to a scoring model that includes alternative data not found in traditional scores.







"Equifax is deeply committed to supporting the mortgage industry and the consumers it serves, especially as we navigate the most difficult mortgage market in decades. We view our role in expanding homeownership as a vital responsibility and with today's announcement we are rising to FHFA Director Pulte's challenge to also make mortgage costs more affordable," said Mark W. Begor, Equifax Chief Executive Officer. "There has been strong, ongoing collaboration between the FHFA, Government-Sponsored Enterprises (GSEs), and the industry in testing and exploring the benefits of VantageScore 4.0 implementation in mortgage lending. Significantly reducing the cost of VantageScore 4.0 to $1, and offering it free to customers who also purchase a FICO score, makes it easier for even more lenders to evaluate the higher-performing score. We expect this important initiative to further accelerate Director Pulte's vision for score competition, enable lenders to invest in the operations to support modern scores, and generate a significant $1 billion in potential savings across the industry and for consumers.""Currently, over 250 mortgage lenders are taking advantage of the Equifax offer of free VantageScore credit scores with paid FICO scores, and more than 40 non-GSE lenders are in production with only VantageScore credit scores for some of their portfolios. More data drives better decisions and VantageScore 4.0 provides a fuller view of consumers' financial profiles. Once VantageScore is fully adopted by FHFA, the increased competition in the scoring industry will result in direct cost savings to consumers," Begor continued.VantageScore 4.0 uses trended data and alternative data (including rental, utilities and telecommunications payment histories) to enhance the assessment of creditworthiness. Setting a model for the industry, it was the first credit score to incorporate these factors, with a goal of expanding access to credit for millions more Americans. Trended credit data reflects changes in credit data over time for a fuller financial picture. These deeper insights have proven to provide a 20% lift in originations without adding incremental risk – enabling greater mainstream financial opportunities for more people. Additionally, VantageScore 4.0 generates scores using as little as one month of history, while leveraging up to two years of trended data to maintain a score—even during periods of inactivity."The total cost of owning a home has increased significantly since 2020, with American homebuyers challenged by increasing home values, high interest rates, and increasing taxes and insurance," said Joel Rickman, General Manager and Senior Vice President of U.S. Mortgage and Verification Services at Equifax. "As the spring homebuying season gets underway, we believe that more borrowers deserve the chance at a conforming mortgage. Equifax is driving the next generation of mortgage lending by offering unparalleled visibility into consumer financial health. Our proprietary data is the foundation of our highly differentiated products and analytical capabilities through which our customers generate unique solutions. We are also providing an employment and income verification indicator as well as additional alternative data including telecom, pay TV and utilities attributes alongside every Equifax Consumer Credit Report in the mortgage market. The greater visibility we provide allows for more efficient underwriting and can help open new homeownership opportunities for millions of Americans."Equifax is the only Nationwide Consumer Reporting Agency to provide alternative data including telecom, pay TV and utilities attributes alongside consumer credit reports for the mortgage market, at no additional cost to lenders. These insights provide a more complete financial picture of a borrower that can make mortgage underwriting faster and easier and are only used to help consumers obtain a mortgage loan.Additionally, Equifax is the first to empower lenders by delivering an indicator of employment status earlier in the mortgage qualification process through The Work Number® Report Indicator, alongside the Equifax mortgage prequalification credit report. Delivering this unique solution with the Equifax credit report at no additional cost, enables our customers to instantly view whether an employment record for an applicant is available on The Work Number database, making the lending process easier for lenders and applicants alike. Indicator Reports for the automotive, bank card, and consumer finance industries will be available later in 2026.FORWARD-LOOKING STATEMENTS
This release contains certain forward-looking information to help you understand Equifax and its business environment. All statements that address operating performance and events or developments that we expect or anticipate will occur in the future, including statements relating to the pricing strategies, potential benefits and value propositions of product offerings of Equifax and its competitors, are forward-looking statements. We believe these forward-looking statements are reasonable as and when made. However, forward-looking statements are subject to risks and uncertainties that could cause actual results to differ materially from our historical experience and our present expectations or projections. These risks and uncertainties include, but are not limited to, those described in our 2025 Form 10-K and subsequent SEC filings. As a result of such risks and uncertainties, we urge you not to place undue reliance on any forward-looking statements. Forward-looking statements speak only as of the date when made. We undertake no obligation to publicly update or revise any forward-looking statements, whether as a result of new information, future events or otherwise, except as required by law.ABOUT EQUIFAX INC.
At Equifax (NYSE: EFX), we believe knowledge drives progress. As a global data, analytics, and technology company, we play an essential role in the global economy by helping financial institutions, companies, employers, and government agencies make critical decisions with greater confidence. Our unique blend of differentiated data, analytics, and cloud technology drives insights to power decisions to move people forward. Headquartered in Atlanta and supported by nearly 15,000 employees worldwide, Equifax operates or has investments in 24 countries in North America, Central and South America, Europe, and the Asia Pacific region. For more information, visit Equifax.com.FOR MORE INFORMATION:
Stacy Kirk for Equifax
mediainquiries@equifax.com 



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Original: Equifax Reiterates Support for U.S. Federal Housing Finance Agency's Commitment to Mortgage Affordability

Equifax Names David Smith President of U.S. Information SolutionsFebruary 26, 2026 5:00 PM
PR Newswire (US)

ATLANTA, Feb. 26, 2026 /PRNewswire/ -- Equifax® (NYSE: EFX) has named David Smith as President of U.S. Information Solutions (USIS) effective March 2, 2026. In this role, Smith will continue to drive the business unit's post-cloud transformation growth, leveraging EFX.AI and the company's proprietary data to create innovative solutions that bring decision intelligence to Equifax customers and help create new financial opportunities for consumers. Smith joins Equifax from Truist Financial Corporation where he most recently served as the Head of Consumer Lending.







"David brings more than 25 years of deep lending and credit expertise spanning the mortgage, unsecured lending, auto financing and capital markets to the role of USIS President," said Mark W. Begor, CEO of Equifax. "I'm energized to welcome David to the Equifax leadership team and believe that his strong end-user perspective, proven experience in product innovation and AI implementation, and commitment to the customer experience will be invaluable in powering the next phase of USIS growth."At Truist, Smith led the creation of the Consumer Lending division, integrating multiple businesses to drive growth and enhance the customer experience. As Head of Consumer Lending, he was responsible for a $4 billion business spanning real estate lending, unsecured personal lending, indirect lending, and consumer capital markets. While at Truist, Smith oversaw improvements in the usage of AI scoring models, data aggregation, and decisioning for lending to improve underwriter productivity as well as approval and loss rates."Equifax has built an unmatched cloud-native foundation for innovation that sets a new standard for the industry," said Smith. "The company has moved well beyond a traditional credit bureau, offering a rapidly growing range of new solutions designed to give businesses the deeper insights they need to help more consumers live their financial best. I look forward to working with the USIS team to build on their strong execution, continue the commitment to customer-first innovation in alignment with our clients' specific needs, and drive additional growth."Prior to Truist, Smith served in a number of leadership roles, including President of Financial Services at KWx, a holding company for affiliated businesses to Keller Williams Realty International. His industry experience also includes 13 years at Citi, where he held several mortgage and retail banking leadership positions, culminating his career there as Managing Director, CEO and President of CitiMortgage.Smith holds a Bachelor of Science from the University of Utah and a Master of Business Administration from the University of Colorado Denver.ABOUT EQUIFAX INC.
At Equifax (NYSE: EFX), we believe knowledge drives progress. As a global data, analytics, and technology company, we play an essential role in the global economy by helping financial institutions, companies, employers, and government agencies make critical decisions with greater confidence. Our unique blend of differentiated data, analytics, and cloud technology drives insights to power decisions to move people forward. Headquartered in Atlanta and supported by nearly 15,000 employees worldwide, Equifax operates or has investments in 24 countries in North America, Central and South America, Europe, and the Asia Pacific region. For more information, visit Equifax.com.FOR MORE INFORMATION:
Tiffany Smith for Equifax
mediainquiries@equifax.com 










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Original: Equifax Names David Smith President of U.S. Information Solutions

Equifax Board of Directors Authorizes 12% Dividend IncreaseFebruary 25, 2026 4:15 PM
PR Newswire (US)

ATLANTA, Feb. 25, 2026 /PRNewswire/ -- Equifax® (NYSE: EFX) today announced that the Equifax Board of Directors approved a 12% increase in the Company's quarterly cash dividend for the first quarter of 2026. The new quarterly cash dividend is $0.56 per share, subject to future declaration by the Company's Board of Directors. For the first quarter of 2026, the cash dividend of $0.56 per share is payable on March 17, 2026 to shareholders of record as of the close of business on March 9, 2026. Equifax has paid cash dividends for more than 100 consecutive years.







ABOUT EQUIFAX INC.
At Equifax (NYSE: EFX), we believe knowledge drives progress. As a global data, analytics, and technology company, we play an essential role in the global economy by helping financial institutions, companies, employers, and government agencies make critical decisions with greater confidence. Our unique blend of differentiated data, analytics, and cloud technology drives insights to power decisions to move people forward. Headquartered in Atlanta and supported by nearly 15,000 employees worldwide, Equifax operates or has investments in 24 countries in North America, Central and South America, Europe, and the Asia Pacific region. For more information, visit Equifax.com.FOR MORE INFORMATION
MediaInquiries@equifax.com 



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Original: Equifax Board of Directors Authorizes 12% Dividend Increase

Equifax Delivers Optimal Path™ Directly to U.S. Consumers via the myEquifax Mobile AppFebruary 17, 2026 4:20 PM
PR Newswire (US)

Leveraging the Advanced Equifax Cloud-native Platform and Patented EFX.AI Capabilities, Optimal Path Gives Consumers More Control Over Their Financial Journeys at No Additional CostATLANTA, Feb. 17, 2026 /PRNewswire/ -- Equifax® (NYSE: EFX) is leveraging its advanced cloud-native platform and patented EFX.AI capabilities to deliver Optimal Path™, the company's interactive credit score planner, directly to U.S. consumers through the myEquifax mobile app free of charge. Optimal Path integrates with a consumer's current Equifax credit profile to provide specific tasks that they can execute within the next 30 days to help reach their target VantageScore® 3.0 credit score goal.







Utilizing two unique Equifax patents, the interactive score planner suggests the most actionable, positive behaviors for the individual user. These suggestions are based on a consumer's credit file as well as EFX.AI-driven insights that simulate how a consumer's score could change by following the recommended action plans. Unlike static credit score simulators or one-time score planners, Optimal Path uses EFX.AI to create customized 30-day action plans that evolve as an individual achieves their particular objectives, enabling consumers to meet their unique financial goals faster. Consumers can see how much their VantageScore credit score can increase in as few as 90 days."The Equifax Cloud™ provides the robust foundation needed to leverage our patented EFX.AI capabilities and seamlessly integrate Optimal Path into the myEquifax mobile app," said Aparna Shah, who leads the Direct to Consumer Business at Equifax. "We ultimately want to empower consumers to take more control over their financial journey and help them live their financial best. Offering Optimal Path for free to U.S. consumers is an important step toward that goal."Optimal Path for U.S. Consumers in the myEquifax mobile app delivers: AI-Powered, Personalized 30-day Action Plans: Using the power of EFX.AI patented-technology, consumers will receive a step-by-step plan based on their individual credit profile, focusing on the most impactful steps to take to help reach their credit score goal.Track Progress: Consumers receive progress reports for each 30-day period showing if they achieved their targets and/or see where they can improve.Reminder Notifications: Consumers receive reminders to help them stay on track and complete their plans.Milestone Tracking: Consumers can see the historic milestones they have achieved over the last three months and track their progress over time as they work toward their credit score goals.Optimal Path is now available for free exclusively in the myEquifax mobile app for all Equifax Core Credit™ and premium subscribers. The myEquifax mobile app is available for download from the Apple App Store® or on Google Play. U.S. Consumers can then use their myEquifax™ account to login. If a user does not have a myEquifax account, they can register for Equifax Core Credit, a free product that will allow the user to then access the mobile app and Optimal Path.Access Optimal Path via the myEquifax mobile app here. ABOUT EQUIFAX INC.
At Equifax (NYSE: EFX), we believe knowledge drives progress. As a global data, analytics, and technology company, we play an essential role in the global economy by helping financial institutions, companies, employers, and government agencies make critical decisions with greater confidence. Our unique blend of differentiated data, analytics, and cloud technology drives insights to power decisions to move people forward. Headquartered in Atlanta and supported by nearly 15,000 employees worldwide, Equifax operates or has investments in 24 countries in North America, Central and South America, Europe, and the Asia Pacific region. For more information, visit Equifax.com.FOR MORE INFORMATION:
Alexandra Packey for Equifax
mediainquiries@equifax.com 



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Original: Equifax Delivers Optimal Path™ Directly to U.S. Consumers via the myEquifax Mobile App

Gen and Equifax Expand Partnership to Deliver Comprehensive Solutions for Consumers' Financial LivesFebruary 4, 2026 4:05 PM
PR Newswire (US)

Gen to leverage Equifax differentiated data to enhance its AI-powered portfolio; Equifax to leverage the power of Engine by Gen to provide personalized recommendations to myEquifax customersNEW YORK and ATLANTA, Feb. 4, 2026 /PRNewswire/ -- Gen Digital (NASDAQ: GEN) and Equifax® (NYSE: EFX) today announced an expanded partnership to empower consumers to securely and confidently manage their financial and digital lives.







The strategic use of Equifax differentiated data will enable Gen to further strengthen the power of its identity protection, financial wellness recommendations, and other offerings through its trusted brands: Norton, Avast, LifeLock and MoneyLion. This expanded relationship will also allow Equifax to leverage the Engine by Gen platform to provide myEquifax consumers in the U.S. with access to personalized financial products."Consumers want simple, trusted solutions that help them make smarter financial decisions and protect what matters most," said Vincent Pilette, Chief Executive Officer of Gen. "By bringing together industry-leading consumer financial health and fraud data from Equifax and Gen's consumer-first platforms, we are building a powerful ecosystem that delivers meaningful everyday value to consumers.""At Equifax, we understand that more data enables better decisions that can help create greater opportunities for consumers," said Mark W. Begor, Equifax Chief Executive Officer. "Our partnership with Gen is designed to drive a more complete financial picture of consumers, which ultimately helps people live their financial best."For more information about how differentiated data assets from Equifax help organizations manage risk and explore new opportunities, while creating a better experience for consumers, visit Equifax.com. Gen is dedicated to powering Digital Freedom through its family of trusted consumer brands. To learn more about Gen, visit GenDigital.com.About GenGen (NASDAQ: GEN) is a global company dedicated to powering Digital Freedom through its trusted consumer brands including Norton, Avast, LifeLock, MoneyLion and more. The Gen family of consumer brands is rooted in providing financial empowerment and cyber safety for the first digital generations. Today, Gen empowers people to live their digital lives safely, privately and confidently for generations to come. Gen brings award-winning products and services in cybersecurity, online privacy, identity protection and financial wellness to nearly 500 million users in more than 150 countries. Learn more at GenDigital.com.About EQUIFAX Inc. At Equifax (NYSE: EFX), we believe knowledge drives progress. As a global data, analytics, and technology company, we play an essential role in the global economy by helping financial institutions, companies, employers, and government agencies make critical decisions with greater confidence. Our unique blend of differentiated data, analytics, and cloud technology drives insights to power decisions to move people forward. Headquartered in Atlanta and supported by nearly 15,000 employees worldwide, Equifax operates or has investments in 24 countries in North America, Central and South America, Europe, and the Asia Pacific region. For more information, visit Equifax.com.Gen

EquifaxMedia Contact

Media ContactJess Monney

Stacy KirkPress@GenDigital.com 

mediainquiries@equifax.com  










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Original: Gen and Equifax Expand Partnership to Deliver Comprehensive Solutions for Consumers' Financial Lives

Equifax Delivers Fourth Quarter 2025 Revenue Growth of 9% Despite Weaker U.S. Hiring and Mortgage MarketsFebruary 4, 2026 6:30 AM
PR Newswire (US)

ATLANTA, Feb. 4, 2026 /PRNewswire/ -- Equifax® (NYSE: EFX) today announced financial results for the quarter and full year ended December 31, 2025.







Fourth quarter 2025 revenue of $1.551 billion up 9% and $30 million above the midpoint of guidance, despite headwinds from U.S. Hiring and Mortgage markets.Fourth quarter U.S. Mortgage revenue up a very strong 20% despite decline in underlying Mortgage market.Workforce Solutions fourth quarter revenue up 9%. Verification Services revenue up 10% led by strong low double digit Government growth, with Diversified Markets (previously referred to as non-mortgage) growth of 11% and Mortgage growth of 10%.USIS fourth quarter revenue up 12% with strong Mortgage revenue growth of 33% and Diversified Markets revenue growth of 5%.International fourth quarter revenue up 7% on a reported basis with 5% growth on a local currency basis led by Latin America.Record fourth quarter Vitality Index of 17%, above our 10% long-term goal, leveraging new EFX Cloud and EFX.AI with double digit Vitality Index across all business units.Returned $561 million of cash to shareholders in the fourth quarter, including repurchasing 2.3 million shares for $500 million.2025 free cash flow of $1.13 billion, up almost 40%, from strong operating performance and cash conversion.Issuing full-year 2026 guidance midpoint expectation for revenue of $6.72 billion, up about 10.5%, with constant currency organic revenue growth of about 10% and Adjusted EPS of $8.50 per share. This reflects an assumption that the U.S. mortgage market is down low single digits in 2026 as well as an assumption that 100% of mortgage credit scores will be FICO Scores."Equifax delivered strong fourth quarter revenue of $1.551 billion, up 9% on both a reported and local currency basis, that was $30 million above the midpoint of our October guidance. This was led by strong 20% U.S. Mortgage revenue growth, strong Workforce Solutions Government revenue growth, and continued momentum in New Product Innovation with a Vitality Index of 17% despite headwinds from the U.S. Mortgage and Hiring markets. Workforce Solutions delivered 9% revenue growth, driven by Verification Services revenue growth of 10% led by Diversified Markets revenue growth of 11% from strong low double digit growth in Government and mid double digit growth in Consumer Lending businesses. USIS delivered strong revenue growth of 12%, well above their 6 to 8% Long Term Financial Framework. USIS revenue growth was led by very strong 33% Mortgage revenue growth and Diversified Markets revenue growth of 5%. International delivered 5% local currency revenue growth led by Latin America. We were pleased with the strong Equifax results in a challenging market environment and momentum into 2026 from our fourth quarter results," said Mark W. Begor, Equifax Chief Executive Officer."Given our strong free cash flow and balance sheet, we returned $561 million of cash to shareholders in the Fourth quarter, including repurchasing 2.3 million Equifax shares for $500 million under our $3 billion share repurchase program. Our ability to deliver significant excess free cash flow to shareholders is a big milestone for Equifax as we move post-Cloud to fully focus on growth, innovation, new products, and free cash generation to continue investing in EFX for growth and return cash to shareholders. We are issuing our full-year 2026 guidance midpoint expectation for revenue of $6.72 billion, up about 10.5% on a reported basis and about 10% on an organic constant currency basis. Our full year 2026 guidance midpoint expectation for Adjusted EBITDA is $2.12 billion, up about 10%, and for Adjusted EPS is $8.50 per share, up 11%, versus 2025. Our 2026 guidance reflects an assumption that the U.S. Mortgage market will be down low single digits in 2026 compared to 2025 as well as an assumption that 100% of mortgage credit scores will be FICO scores. As U.S. mortgage customers convert to the lower-priced and higher-performing Vantage scores, we expect significant margin expansion.We continued to execute very well against our EFX2028 Strategic Priorities, despite market headwinds. We have pivoted to leveraging our new Cloud capabilities to accelerate New Product Innovation by leveraging our differentiated data assets, and investing in new products, data, analytics, and EFX.AI capabilities that are expected to drive growth in 2026 and beyond. We are energized about our momentum of the New Equifax but even more energized about our ability to deliver higher growth, margins, and accelerating free cash flow, and returning cash to shareholders in the future."Financial Results SummaryThe Company reported revenue of $1,550.6 million in the fourth quarter of 2025, a 9% increase on both a reported and local currency basis compared to the fourth quarter of 2024.Fourth quarter 2025 diluted EPS attributable to Equifax was $1.44 per share, up from $1.39 per share in the fourth quarter of 2024.Net income attributable to Equifax of $175.8 million in the fourth quarter of 2025 was up 1% compared to $174.0 million in the fourth quarter of 2024.For the full year 2025, revenue was $6,074.5 million, a 7% increase compared to 2024 on both a reported and local currency basis. Diluted EPS attributable to Equifax was $5.32 per share, up compared to $4.84 per share for the full year 2024. Net income attributable to Equifax was $660.3 million, up 9% compared to net income of $604.1 million for the full year 2024.Workforce Solutions Fourth Quarter ResultsTotal revenue was $652.2 million in the fourth quarter of 2025, up 9% compared to the fourth quarter of 2024. Operating margin for Workforce Solutions was 43.8% in the fourth quarter of 2025 compared to 43.1% in the fourth quarter of 2024. Adjusted EBITDA margin for Workforce Solutions was 51.3% in the fourth quarter of 2025 compared to 51.9% in the fourth quarter of 2024.Verification Services revenue was $557.0 million, up 10% compared to the fourth quarter of 2024.Employer Services revenue was $95.2 million, up 2% compared to the fourth quarter of 2024.USIS Fourth Quarter ResultsTotal revenue was $526.9 million in the fourth quarter of 2025, up 12% compared to the fourth quarter of 2024. Operating margin for USIS was 24.4% in the fourth quarter of 2025, flat compared to the fourth quarter of 2024. Adjusted EBITDA margin for USIS was 36.3% in the fourth quarter of 2025 compared to 38.3% in the fourth quarter of 2024.Online Information Solutions revenue was $447.9 million, up 13% compared to the fourth quarter of 2024.Financial Marketing Services revenue was $79.0 million, up 2% compared to the fourth quarter of 2024.International Fourth Quarter ResultsTotal revenue was $371.5 million in the fourth quarter of 2025, up 7% and up 5% compared to the fourth quarter of 2024 on a reported and local currency basis, respectively. Operating margin for International was 16.4% in the fourth quarter of 2025 compared to 17.4% in the fourth quarter of 2024. Adjusted EBITDA margin for International was 31.6% in the fourth quarter of 2025 compared to 32.5% in the fourth quarter of 2024.Latin America revenue was $107.5 million, up 8% compared to the fourth quarter of 2024 on a reported basis and up 6% on a local currency basis.Europe revenue was $108.7 million, up 9% compared to the fourth quarter of 2024 on a reported basis and up 4% on a local currency basis.Asia Pacific revenue was $87.2 million, up 4% compared to the fourth quarter of 2024 on both a reported and local currency basis.Canada revenue was $68.1 million, up 5% compared to the fourth quarter of 2024 on a reported basis and up 4% on a local currency basis.Adjusted EPS and Adjusted EBITDA MarginAdjusted EPS attributable to Equifax was $2.09 in the fourth quarter of 2025, down 1% compared to the fourth quarter of 2024. Adjusted EBITDA margin was 32.8% in the fourth quarter of 2025 compared to 35.4% in the fourth quarter of 2024.Full year adjusted EPS attributable to Equifax was $7.65, up 5% compared to the prior year period. Full year adjusted EBITDA margin was 31.9% compared to 32.3% in 2024.These financial measures exclude certain items as described further in the Non-GAAP Financial Measures section below.2026 First Quarter and Full Year Guidance
Q1 2026
FY 2026
Low-End
High-End
Low-End
High-EndReported Revenue$1.597 billion
$1.627 billion
$6.660 billion
$6.780 billionReported Revenue Growth10.7 %
12.8 %
9.6 %
11.6 %Local Currency Growth (1)9.5 %
11.6 %
9.1 %
11.1 %Organic Local Currency Growth (1)9.4 %
11.5 %
9.0 %
11.0 %Adjusted Earnings Per Share$1.63 per share
$1.73 per share
$8.30 per share
$8.70 per share

(1)Refer to page 9 for definitions. Additionally, the definitions can be found in the Non-GAAP Financial Measures below.About EquifaxAt Equifax (NYSE: EFX), we believe knowledge drives progress. As a global data, analytics, and technology company, we play an essential role in the global economy by helping financial institutions, companies, employers, and government agencies make critical decisions with greater confidence. Our unique blend of differentiated data, analytics, and cloud technology drives insights to power decisions to move people forward. Headquartered in Atlanta and supported by approximately 15,000 employees worldwide, Equifax operates or has investments in 24 countries in North America, Central and South America, Europe, and the Asia Pacific region. For more information, visit www.equifax.com.Earnings Conference Call and Audio WebcastIn conjunction with this release, Equifax will host a conference call on February 4, 2026 at 8:30 a.m. (ET) via a live audio webcast. To access the webcast and related presentation materials, go to the Investor Relations section of our website at www.equifax.com. The discussion will be available via replay at the same site shortly after the conclusion of the webcast. This press release is also available at that website.Non-GAAP Financial MeasuresThis earnings release presents adjusted EPS attributable to Equifax which is diluted EPS attributable to Equifax adjusted (to the extent noted above for different periods) for acquisition-related amortization expense of certain acquired intangibles, accrual for legal and regulatory matters related to the 2017 cybersecurity incident, gain on sale of equity investment, pension mark-to-market fair value adjustment, foreign currency impact of certain intercompany loans, acquisition-related costs other than acquisition amortization, realignment of resources and other costs, income tax effect of stock awards recognized upon vesting or settlement, Argentina highly inflationary foreign currency adjustment, reversal of a valuation allowance for certain deferred tax assets, legal settlement and antitrust litigation costs. All adjustments are net of tax, with a reconciling item with the aggregated tax impact of the adjustments. This earnings release also presents (i) adjusted EBITDA and adjusted EBITDA margin which is defined as consolidated net income attributable to Equifax plus net interest expense, income taxes, depreciation and amortization, and also excludes certain one-time items, (ii) local currency revenue change, which is calculated by conforming 2025 results using 2024 exchange rates, (iii) organic local currency revenue growth, which is defined as local currency revenue growth, adjusted to reflect an increase in prior year Equifax revenue from the revenue of acquired companies in the prior year period, (iv) free cash flow, which is defined as cash provided by operating activities less capital expenditures, and (v) cash conversion, which is defined as the ratio of free cash flow to adjusted net income. These are important financial measures for Equifax but are not financial measures as defined by GAAP.These non-GAAP financial measures should be reviewed in conjunction with the relevant GAAP financial measures and are not presented as an alternative measure of net income or EPS as determined in accordance with GAAP.Reconciliations of these non-GAAP financial measures to the most directly comparable GAAP financial measures and related notes are presented in the Q&A. This information can also be found under "Investor Relations/Financial Information/Non-GAAP Financial Measures" on our website at www.equifax.com.Forward-Looking StatementsThis release contains forward-looking statements and forward-looking information. These statements can be identified by expressions of belief, expectation or intention, as well as statements that are not historical fact. These statements are based on certain factors and assumptions including with respect to foreign exchange rates, revenue growth, results of operations and financial performance, strategic initiatives, business plans, prospects and opportunities, the U.S. mortgage market, economic conditions and effective tax rates.While Equifax believes these factors and assumptions to be reasonable based on information currently available, they may prove to be incorrect. Several factors could cause actual results to differ materially from those expressed or implied in the forward-looking statements. These factors relate to (i) actions taken by us, including, but not limited to, restructuring actions, strategic initiatives (such as our cloud technology transformation), capital investments and asset acquisitions or dispositions, as well as (ii) developments beyond our control, including, but not limited to, changes in the U.S. mortgage market environment and changes more generally in U.S. and worldwide economic conditions (such as changes in interest rates and inflation levels and the evolving impact of tariffs) that materially impact consumer spending, home prices, investment values, consumer debt, unemployment rates and the demand for Equifax's products and services. Deteriorations in economic conditions or increases in interest rates could lead to a decline in demand for our products and services and negatively impact our business. It may also impact financial markets and corporate credit markets, which could adversely impact our access to financing or the terms of any financing.Other risk factors relevant to our business include: (i) any compromise of Equifax, customer or consumer information due to security breaches and other disruptions to our information technology infrastructure; (ii) the failure to achieve and maintain key industry or technical certifications; (iii) the failure to realize the anticipated benefits of our cloud technology transformation strategy; (iv) operational disruptions and strain on our resources caused by our transition to cloud-based technologies; (v) our ability to meet customer requirements for high system availability and response time performance; (vi) effects on our business if we provide inaccurate or unreliable data to customers; (vii) our ability to maintain access to credit, employment, financial and other data from external sources; (viii) the impact of competition; (ix) our ability to maintain relationships with key customers and business partners; (x) our ability to successfully introduce new products, services and analytical capabilities; (xi) the impact on the demand for some of our products and services due to the availability of free or less expensive consumer information; (xii) our ability to comply with our obligations under settlement agreements arising out of a material cybersecurity incident in 2017; (xiii) potential adverse developments in new and pending legal proceedings, government investigations and regulatory enforcement actions; (xiv) changes in, and the effects of, laws, regulations and government policies governing our business, including oversight by the Consumer Financial Protection Bureau in the U.S., the U.K. Financial Conduct Authority and Information Commissioner's Office in the U.K., and the Office of Australian Information Commission and the Australian Competition and Consumer Commission in Australia; (xv) the impact of privacy, cybersecurity, artificial intelligence or other data-related laws and regulations; (xvi) the economic, political and other risks associated with international sales and operations; (xvii) the impact on our reputation and business from our responsible business commitments and disclosures; (xviii) our ability to realize the anticipated strategic and financial benefits from our acquisitions, joint ventures and other alliances; (xix) any damage to our reputation due to our dependence on outsourcing certain portions of our operations; (xx) the termination or suspension of our government contracts; (xxi) the impact of infringement or misappropriation of intellectual property by us against third parties or by third parties against us; (xxii) an increase in our cost of borrowing and our ability to access the capital markets due to a credit rating downgrade; (xxiii) our ability to hire and retain key personnel; (xxiv) the impact of adverse changes in the financial markets and corresponding effects on our retirement and post-retirement pension plans; (xxv) the impact of health epidemics, pandemics and similar outbreaks on our business; and (xxvi) risks associated with our use of certain artificial intelligence and machine learning models and systems.A summary of additional risks and uncertainties can be found in our Annual Report on Form 10-K for the year ended December 31, 2024 including without limitation under the captions "Item 1. Business -- Governmental Regulation," "-- Forward-Looking Statements" and "Item 1A. Risk Factors" and in our other filings with the U.S. Securities and Exchange Commission. Forward-looking statements are given only as at the date of this release and Equifax disclaims any obligation to update or revise the forward-looking statements, whether as a result of new information, future events or otherwise, except as required by law. EQUIFAX INC.CONSOLIDATED STATEMENTS OF INCOME


Three Months EndedDecember 31,

2025
2024(In millions, except per share amounts)
(Unaudited)Operating revenue
$            1,550.6
$            1,419.4Operating expenses:



Cost of services (exclusive of depreciation and amortization below)
661.2
615.0Selling, general and administrative expenses
420.9
344.7Depreciation and amortization
184.3
171.6  Total operating expenses
1,266.4
1,131.3Operating income
284.2
288.1Interest expense
(54.1)
(55.8)Other income (expense), net
2.8
(6.7)Consolidated income before income taxes
232.9
225.6Provision for income taxes
(56.5)
(52.2)Consolidated net income
176.4
173.4Less:  Net (income) loss attributable to noncontrolling interests including redeemable noncontrolling interests
(0.6)
0.6Net income attributable to Equifax
$               175.8
$               174.0Basic earnings per common share:



Net income attributable to Equifax
$                 1.45
$                 1.40Weighted-average shares used in computing basic earnings per share
121.4
124.0Diluted earnings per common share:



Net income attributable to Equifax
$                 1.44
$                 1.39Weighted-average shares used in computing diluted earnings per share
122.3
125.1Dividends per common share
$                 0.50
$                 0.39
EQUIFAX INC.CONSOLIDATED STATEMENTS OF INCOME


Twelve Months EndedDecember 31,

2025
2024(In millions, except per share amounts)
(Unaudited)Operating revenue
$        6,074.5
$        5,681.1Operating expenses:



Cost of services (exclusive of depreciation and amortization below)
2,645.6
2,518.7Selling, general and administrative expenses
1,614.2
1,450.5Depreciation and amortization
719.5
669.8Total operating expenses
4,979.3
4,639.0Operating income
1,095.2
1,042.1Interest expense
(212.3)
(229.1)Other income (expense), net
12.0
(2.5)Consolidated income before income taxes
894.9
810.5Provision for income taxes
(230.6)
(203.2)Consolidated income from continuing operations
664.3
607.3Less: Net income attributable to noncontrolling interests including redeemable noncontrolling interests
(4.0)
(3.2)Net income attributable to Equifax
$           660.3
$            604.1Basic earnings per common share:



Net income attributable to Equifax
$              5.36
$              4.88Weighted-average shares used in computing basic earnings per share
123.2
123.8Diluted earnings per common share:



Net income attributable to Equifax
$              5.32
$              4.84Weighted-average shares used in computing diluted earnings per share
124.1
124.9Dividends per common share
$              1.89
$              1.56 EQUIFAX INC.CONDENSED CONSOLIDATED BALANCE SHEETS


December 31,

2025
2024(In millions, except par values)
(Unaudited)ASSETS



Current assets:



Cash and cash equivalents
$           180.8
$            169.9Trade accounts receivable, net of allowance for doubtful accounts of $20.2 and $16.9 atDecember 31, 2025 and 2024, respectively
1,012.7
957.6Prepaid expenses
144.2
134.9Other current assets
74.5
98.2  Total current assets
1,412.2
1,360.6Property and equipment:



Capitalized internal-use software and system costs
3,098.2
2,817.5Data processing equipment and furniture
239.3
229.6Land, buildings and improvements
299.6
285.0  Total property and equipment
3,637.1
3,332.1Less accumulated depreciation and amortization
(1,704.7)
(1,440.2)  Total property and equipment, net
1,932.4
1,891.9Goodwill
6,745.7
6,547.8Indefinite-lived intangible assets
94.8
94.7Purchased intangible assets, net
1,331.3
1,521.0Other assets, net
347.8
343.4  Total assets
$      11,864.2
$      11,759.4LIABILITIES AND EQUITY



Current liabilities:



Short-term debt and current maturities of long-term debt
$        1,038.0
$            687.7Accounts payable
206.4
138.2Accrued expenses
276.3
251.1Accrued salaries and bonuses
286.1
215.8Deferred revenue
101.2
115.5Other current liabilities
427.4
403.2  Total current liabilities
2,335.4
1,811.5Long-term debt
4,055.3
4,322.8Deferred income tax liabilities, net
390.8
351.6Long-term pension and other postretirement benefit liabilities
103.4
106.7Other long-term liabilities
241.1
247.2Total liabilities
7,126.0
6,839.8Redeemable noncontrolling interests
114.4
105.2Equifax shareholders' equity:



Preferred stock, $0.01 par value: Authorized shares - 10.0; Issued shares - none
—
—Common stock, $1.25 par value: Authorized shares - 300.0;  Issued shares - 189.3 at December 31, 2025 and 2024;  Outstanding shares - 120.4 and 124.0 at December 31, 2025 and 2024, respectively
236.6
236.6Paid-in capital
2,023.4
1,915.2Retained earnings
6,445.1
6,018.6Accumulated other comprehensive loss
(517.1)
(722.7)Treasury stock, at cost, 68.3 shares and 64.7 shares at December 31, 2025 and 2024,    respectively
(3,577.8)
(2,644.9)Stock held by employee benefits trusts, at cost, 0.6 shares at December 31, 2025 and 2024
(5.9)
(5.9)Total Equifax shareholders' equity
4,604.3
4,796.9Noncontrolling interests
19.5
17.5Total shareholders' equity
4,623.8
4,814.4Total liabilities, redeemable noncontrolling interests, and shareholders' equity
$      11,864.2
$      11,759.4 EQUIFAX INC.CONSOLIDATED STATEMENTS OF CASH FLOWS


Twelve Months EndedDecember 31,

2025
2024(In millions)
(Unaudited)Operating activities:



Consolidated net income
$           664.3
$            607.3Adjustments to reconcile consolidated net income to net cash provided by operating activities:



  Depreciation and amortization
726.9
680.6  Stock-based compensation expense
78.4
81.6  Deferred income taxes
30.2
(66.9)  Gain on sale of equity investment
(1.2)
—  Changes in assets and liabilities, excluding effects of acquisitions:



  Accounts receivable, net
(40.9)
(66.3)  Other assets, current and long-term
42.6
(29.5)  Current and long-term liabilities, excluding debt
115.4
117.7Cash provided by operating activities
1,615.7
1,324.5Investing activities:



Capital expenditures
(481.4)
(511.5)Acquisitions, net of cash acquired
(74.1)
—Cash received from divestitures
1.2
—Cash used in investing activities
(554.3)
(511.5)Financing activities:



Net short-term borrowings
474.7
91.2Payments on long-term debt
(400.2)
(1,445.6)Proceeds from issuance of long-term debt
1.7
649.8Treasury stock purchases
(927.5)
—Dividends paid to Equifax shareholders
(232.8)
(193.2)Distributions paid to noncontrolling interests
(6.1)
(4.6)Proceeds from exercise of stock options and employee stock purchase plan
46.4
78.2Payment of taxes related to settlement of equity awards
(15.0)
(16.8)Purchase of redeemable noncontrolling interests
(0.9)
—Debt issuance costs
—
(5.4)Cash used in financing activities
(1,059.7)
(846.4)Effect of foreign currency exchange rates on cash and cash equivalents
9.2
(13.5)Increase (decrease) in cash and cash equivalents
10.9
(46.9)Cash and cash equivalents, beginning of period
169.9
216.8Cash and cash equivalents, end of period
$           180.8
$            169.9Common Questions & Answers (Unaudited)
(Dollars in millions)1.    Can you provide a further analysis of operating revenue for the fourth quarter and the full year by operating segment?Operating revenue consists of the following components:(In millions)
Three Months Ended
December 31,

















Local Currency
Organic Local
CurrencyOperating revenue:
2025
2024
$ Change
% Change
% Change (1)
% Change (2)Verification Services
$            557.0
$            504.7
$              52.3
10 %


10 %Employer Services
95.2
93.4
1.8
2 %


2 %Total Workforce Solutions
652.2
598.1
54.1
9 %


9 %Online Information Solutions (3)
447.9
395.0
52.9
13 %


13 %Financial Marketing Services
79.0
77.5
1.5
2 %


2 %Total U.S. Information Solutions
526.9
472.5
54.4
12 %


12 %Latin America
107.5
99.9
7.6
8 %
6 %
6 %Europe
108.7
99.8
8.9
9 %
4 %
4 %Asia Pacific
87.2
84.0
3.2
4 %
4 %
4 %Canada
68.1
65.1
3.0
5 %
4 %
4 %Total International
371.5
348.8
22.7
7 %
5 %
5 %  Total operating revenue
$          1,550.6
$          1,419.4
$            131.2
9 %
9 %
9 %
(In millions)
Twelve Months Ended
December 31,

















Local Currency
Organic Local
CurrencyOperating revenue:
2025
2024
$ Change
% Change
% Change (1)
% Change (2)Verification Services
$          2,179.8
$          2,021.9
$            157.9
8 %


8 %Employer Services
402.5
411.9
(9.4)
(2) %


(2) %Total Workforce Solutions
2,582.3
2,433.8
148.5
6 %


6 %Online Information Solutions (3)
1,821.4
1,650.6
170.8
10 %


10 %Financial Marketing Services
257.1
242.4
14.7
6 %


6 %Total U.S. Information Solutions
2,078.5
1,893.0
185.5
10 %


10 %Latin America
403.4
384.9
18.5
5 %
10 %
10 %Europe
396.7
369.2
27.5
7 %
4 %
4 %Asia Pacific
342.3
335.4
6.9
2 %
5 %
5 %Canada
271.3
264.8
6.5
2 %
4 %
4 %Total International
1,413.7
1,354.3
59.4
4 %
6 %
6 %  Total operating revenue
$          6,074.5
$          5,681.1
$            393.4
7 %
7 %
7 %

(1)Local currency revenue change is calculated by conforming 2025 results using 2024 exchange rates.

(2)Organic local currency revenue growth is defined as local currency revenue growth, adjusted to reflect an increase in prior year Equifax revenue from the revenue of acquired companies in the prior year period. This adjustment is made for 12 months following the acquisition.

(3)Prior to the first quarter of 2025, Mortgage Solutions was historically reported separately from Online Information Solutions. Beginning in 2025, Mortgage Solutions results are included in Online Information Solutions within the U.S. Information Solutions operating segment. The change has been applied retrospectively for all periods presented within this earnings release.Reconciliations of Non-GAAP Financial Measures to the Comparable GAAP Financial Measures (Unaudited)
(Dollars in millions, except per share amounts)A.    Reconciliation of net income attributable to Equifax to adjusted net income attributable to Equifax and adjusted diluted EPS attributable to Equifax, defined as net income and EPS, respectively, each adjusted for acquisition-related amortization expense of certain acquired intangibles, accrual for legal and regulatory matters related to the 2017 cybersecurity incident, gain on sale of equity investment, pension mark-to-market fair value adjustment, foreign currency impact of certain intercompany loans, acquisition-related costs other than acquisition amortization, realignment of resources and other costs, income tax effect of stock awards recognized upon vesting or settlement, Argentina highly inflationary foreign currency adjustment, reversal of a valuation allowance for certain deferred tax assets, legal settlement, antitrust litigation costs and aggregated tax impact of these adjustments:

Three Months EndedDecember 31,



(In millions, except per share amounts)
2025
2024
$ Change
% ChangeNet income attributable to Equifax
$                175.8
$                174.0
$          1.8
1 %Acquisition-related amortization expense of certain acquired intangibles (1)
62.6
64.1
(1.5)
(2) %Accrual for legal and regulatory matters related to the 2017 cybersecurity incident (2)
0.3
0.1
0.2
nmGain on sale of equity investment (3)
(0.3)
—
(0.3)
nmPension mark-to-market fair value adjustment (4)
(0.6)
11.6
(12.2)
nmForeign currency impact of certain intercompany loans (5)
0.1
0.3
(0.2)
(67) %Acquisition-related costs other than acquisition amortization (6)
8.5
20.0
(11.5)
(58) %Realignment of resources and other costs (7)
—
6.4
(6.4)
nmIncome tax effects of stock awards that are recognized upon vesting or settlement (8)
(0.4)
(0.6)
0.2
(33) %Argentina highly inflationary foreign currency adjustment (9)
0.9
0.6
0.3
50 %Reversal of valuation allowance for certain deferred tax assets (10)
—
(4.6)
4.6
nmLegal Settlement (11)
30.0
15.0
15.0
100 %Antitrust litigation costs (12)
1.2
—
1.2
nmTax impact of adjustments (13)
(23.1)
(22.0)
(1.1)
5 %Adjusted net income attributable to Equifax
$                255.0
$                264.9
$        (9.9)
(4) %Adjusted diluted EPS attributable to Equifax
$                 2.09
$                 2.12
$      (0.03)
(1) %Weighted-average shares used in computing diluted EPS
122.3
125.1









Twelve Months EndedDecember 31,



(In millions, except per share amounts)
2025
2024
$ Change
% ChangeNet income attributable to Equifax
$                660.3
$                604.1
$        56.2
9 %Acquisition-related amortization expense of certain acquired intangibles (1)
250.2
261.1
(10.9)
(4) %Accrual for legal and regulatory matters related to the 2017 cybersecurity incident  (2)
1.0
0.3
0.7
nmGain on sale of equity investment (3)
(1.2)
—
(1.2)
nmPension mark-to-market fair value adjustment (4)
(0.6)
11.6
(12.2)
nmForeign currency impact of certain intercompany loans (5)
(0.3)
0.4
(0.7)
nmAcquisition-related costs other than acquisition amortization (6)
35.0
68.4
(33.4)
(49) %Realignment of resources and other costs (7)
49.9
48.0
1.9
4 %Income tax effects of stock awards that are recognized upon vesting or settlement (8)
(2.4)
(8.2)
5.8
(71) %Argentina highly inflationary foreign currency adjustment (9)
3.3
1.1
2.2
nmReversal of valuation allowance for certain deferred tax assets (10)
—
(4.6)
4.6
nmLegal Settlement (11)
30.0
15.0
15.0
100 %Antitrust litigation costs (12)
5.4
—
5.4
nmTax impact of adjustments (13)
(81.4)
(87.1)
5.7
(7) %Adjusted net income attributable to Equifax
$                949.2
$                910.1
$        39.1
4 %Adjusted diluted EPS attributable to Equifax
$                 7.65
$                 7.29
$        0.36
5 %Weighted-average shares used in computing diluted EPS
124.1
124.9






nm - not meaningful
(1)During the fourth quarter of 2025, we recorded acquisition-related amortization expense of certain acquired intangibles of $62.6 million ($50.1 million, net of tax). We calculate this financial measure by excluding the impact of acquisition-related amortization expense and including a benefit to reflect the significant cash income tax savings resulting from the income tax deductibility of amortization for certain acquired intangibles. The $12.5 million of tax is comprised of $16.6 million of tax expense, net of $4.1 million of a cash income tax benefit. During the fourth quarter of 2024, we recorded acquisition-related amortization expense of certain acquired intangibles of $64.1 million ($51.0 million, net of tax). The $13.1 million of tax is comprised of $17.2 million of tax expense, net of $4.1 million of a cash income tax benefit.


For the year ended December 31, 2025, we recorded acquisition-related amortization expense of certain acquired intangibles of $250.2 million ($200.2 million, net of tax). The $50.0 million of tax is comprised of $66.2 million of tax expense, net of $16.2 million of a cash income tax benefit. For the year ended December 31, 2024, we recorded acquisition-related amortization expense of certain acquired intangibles of $261.1 million ($207.5 million, net of tax). The $53.6 million of tax is comprised of $70.0 million of tax expense, net of $16.4 million of a cash income tax benefit. See the Notes to this reconciliation for additional detail.

(2)During the fourth quarter of 2025 and the year ended December 31, 2025, we recorded an accrual for legal and regulatory matters related to the 2017 cybersecurity incident of $0.3 million and $1.0 million ($0.9 million, net of tax), respectively. During the fourth quarter of 2024 and the year ended December 31, 2024, we recorded an accrual for legal and regulatory matters related to the 2017 cybersecurity incident of $0.1 million and $0.3 million ($0.2 million, net of tax), respectively. See the Notes to this reconciliation for additional detail.

(3)During the fourth quarter of 2025 and the year ended December 2025, we recorded a gain on sale of equity investments of $0.3 million and $1.2 million ($0.7 million, net of tax), respectively. The impact was recorded to the Other Income (Expense), net line item within the Consolidated Statements of Income. See the Notes to this reconciliation for additional detail.

(4)During the fourth quarter of 2025 and the year ended December 31, 2025, we recorded a gain of $0.6 million ($0.6 million, net of tax) related to the mark-to-market fair value adjustment of our pension and postretirement benefit plans. During the fourth quarter of 2024 and the year ended December 31, 2024, we recorded a loss of $11.6 million ($8.7 million, net of tax) related to the mark-to-market fair value adjustment of our pension and postretirement benefit plans. See the Notes to this reconciliation for additional detail.

(5)During the fourth quarter of 2025 and the year ended December 31, 2025, we recorded a foreign currency loss of $0.1 million and a foreign currency gain of $0.3 million on certain intercompany loans, respectively. During the fourth quarter of 2024 and the year ended December 31, 2024, we recorded a foreign currency loss of $0.3 million and $0.4 million, respectively, related to certain intercompany loans. The impact was recorded to the Other Income (Expense), net line item within the Consolidated Statements of Income. See the Notes to this reconciliation for additional detail.

(6)During the fourth quarter of 2025 and the year ended December 31, 2025, we recorded $8.5 million ($5.6 million, net of tax) and $35.0 million ($24.4 million, net of tax), respectively, for acquisition-related costs other than acquisition amortization. During the fourth quarter of 2024 and the year ended December 31, 2024, we recorded $20.0 million ($15.8 million, net of tax) and $68.4 million ($51.8 million, net of tax), respectively, for acquisition-related costs other than acquisition amortization. These costs primarily related to integration costs resulting from recent acquisition activity and were recorded in operating income. See the Notes to this reconciliation for additional detail.

(7)During the year ended December 31, 2025, we recorded $49.9 million ($37.4 million, net of tax) of restructuring charges for the realignment of resources and other costs, which predominantly relate to the reduction of headcount to support the Company's global strategic objectives. During the fourth quarter of 2024, we recorded $6.4 million ($4.6 million, net of tax) of restructuring charges primarily related to contract terminations. For the year ended December 31, 2024, we recorded $48.0 million ($34.1 million, net of tax) of restructuring charges related to the realignment of resources and other costs. These restructuring charges predominantly related to our ongoing efforts toward completion of our technology transformation in order to support the Company's strategic objectives. See the Notes to this reconciliation for additional detail.

(8)During the fourth quarter of 2025 and the year ended December 31, 2025, we recorded a tax benefit of $0.4 million and $2.4 million, respectively, related to the tax effects of deductions for stock compensation in excess of amounts recorded for compensation costs. During the fourth quarter of 2024 and the year ended December 31, 2024, we recorded a tax benefit of $0.6 million and $8.2 million, respectively, related to the tax effects of deductions for stock compensation in excess of amounts recorded for compensation costs. See the Notes to this reconciliation for additional detail.

(9)Argentina experienced multiple periods of increasing inflation rates, devaluation of the peso, and increasing borrowing rates. As such, Argentina was deemed a highly inflationary economy by accounting policymakers. During the fourth quarter of 2025 and the year ended December 31, 2025, we recorded a foreign currency loss of $0.9 million and $3.3 million, respectively, related to the impact of remeasuring the peso denominated monetary assets and liabilities as a result of Argentina being a highly inflationary economy. During the fourth quarter of 2024 and the year ended December 31, 2024, we recorded a foreign currency loss of $0.6 million and $1.1 million, respectively, related to the impact of remeasuring the peso denominated monetary assets and liabilities as a result of Argentina being a highly inflationary economy. See the Notes to this reconciliation for additional detail.

(10)During the fourth quarter of 2024 and the year ended December 31, 2024, we recorded a full reversal of a valuation allowance for certain deferred tax assets of $4.6 million that was initially recorded in 2020. See the Notes to this reconciliation for additional detail.

(11)During the fourth quarter of 2025 and the year ended December 31, 2025, we recorded a $30.0 million ($22.6 million, net of tax) charge for a settlement associated with the resolution of inquiry disputes related claims. During the fourth quarter of 2024 and the year ended December 31, 2024, we recorded a $15.0 million charge for a settlement associated with the resolution of a matter with the Consumer Financial Protection Bureau ("CFPB"). See the Notes to this reconciliation for additional detail.

(12)During the fourth quarter of 2025 and the year ended December 31, 2025, we recorded costs related to antitrust litigation pertaining to our Workforce Solutions business unit in the amount of $1.2 million ($0.9 million, net of tax) and $5.4 million ($4.1 million, net of tax), respectively. See the Notes to this reconciliation for additional detail.

(13)During the fourth quarter of 2025, we recorded the tax impact of adjustments of $23.1 million comprised of (i) acquisition-related amortization expense of certain acquired intangibles of $12.5 million ($16.6 million of tax expense, net of $4.1 million of a cash income tax benefit), (ii) a tax adjustment of $2.9 million related to acquisition-related costs other than acquisition amortization, (iii) a tax adjustment of $7.4 million related to an accrual for a settlement associated with the resolution of inquiry disputes related claims and (iv) a tax adjustment of $0.3 million related to antitrust litigation costs. During the fourth quarter of 2024, we recorded the tax impact of adjustments of $22.0 million comprised of (i) acquisition-related amortization expense of certain acquired intangibles of $13.1 million ($17.2 million of tax expense, net of $4.1 million of a cash income tax benefit), (ii) a tax adjustment of $2.9 million related to the fourth quarter mark-to-market fair value adjustment of our pension and postretirement benefit plans, (iii) a tax adjustment of $4.2 million related to acquisition-related costs other than acquisition amortization, and (iv) a tax adjustment of $1.8 million related to the realignment of resources and other costs.


For the year ended December 31, 2025, we recorded the tax impact of adjustments of $81.4 million comprised of (i) acquisition-related amortization expense of certain acquired intangibles of $50.0 million ($66.2 million of tax expense, net of $16.2 million of a cash income tax benefit), (ii) a tax adjustment of $0.1 million related to an accrual for legal and regulatory matters related to the 2017 cybersecurity incident, (iii) a tax adjustment of $0.5 million related to the gain on sale of equity investments, (iv) a tax adjustment of $10.6 million related to acquisition-related costs other than acquisition amortization, (v) a tax adjustment of $12.5 million related to the realignment of resources and other costs, (vi) a tax adjustment of $7.4 million   related to an accrual for a settlement associated with the resolution of inquiry disputes related claims and (vii) a tax adjustment of $1.3 million related to antitrust litigation costs.  For the year ended December 31, 2024, we recorded the tax impact of adjustments of $87.1 million comprised of (i) acquisition-related amortization expense of certain acquired intangibles of $53.6 million ($70.0 million of tax expense, net of $16.4 million of a cash income tax benefit), (ii) a tax adjustment of $0.1 million related to an accrual for legal and regulatory matters related to the 2017 cybersecurity incident, (iii) a tax adjustment of $2.9 million related to to the fourth quarter mark-to-market fair value adjustment of our pension and postretirement benefit plans, (iv) a tax adjustment of $16.6 million related to acquisition-related costs other than acquisition amortization, and (v) a tax adjustment of $13.9 million related to the realignment of resources and other costs.Reconciliations of Non-GAAP Financial Measures to the Comparable GAAP Financial Measures (Unaudited)
(Dollars in millions, except per share amounts)B.    Reconciliation of net income attributable to Equifax to adjusted EBITDA, defined as net income excluding income taxes, interest expense, net, depreciation and amortization expense, accrual for legal and regulatory matters related to the 2017 cybersecurity incident, gain on sale of equity investment, pension mark-to-market fair value adjustment, foreign currency impact of certain intercompany loans, acquisition-related costs other than acquisition amortization, realignment of resources and other costs, Argentina highly inflationary foreign currency adjustment, legal settlement, antitrust litigation costs and presentation of adjusted EBITDA margin:

Three Months EndedDecember 31,



 (In millions)
2025
2024
$ Change
% ChangeRevenue
$           1,550.6
$            1,419.4
$         131.2
9 %Net income attributable to Equifax
$              175.8
$               174.0
$             1.8
1 %Income taxes
56.5
52.2
4.3
8 %Interest expense, net*
51.5
50.1
1.4
3 %Depreciation and amortization
184.3
171.6
12.7
7 %Accrual for legal and regulatory matters related to 2017 cybersecurity incident (1)
0.3
0.1
0.2
nmGain on sale of equity investment (2)
(0.3)
—
(0.3)
nmPension mark-to-market fair value adjustment (3)
(0.6)
11.6
(12.2)
nmForeign currency impact of certain intercompany loans (4)
0.1
0.3
(0.2)
(67) %Acquisition-related costs other than acquisition amortization (5)
8.5
20.0
(11.5)
(58) %Realignment of resources and other costs (6)
—
6.4
(6.4)
nmArgentina highly inflationary foreign currency adjustment (7)
0.9
0.6
0.3
50 %Legal Settlement (8)
30.0
15.0
15.0
100 %Antitrust litigation costs (9)
1.2
—
1.2
nmAdjusted EBITDA, excluding the items listed above
$              508.2
$               501.9
$             6.3
1 %Adjusted EBITDA margin
32.8 %
35.4 %










Twelve Months EndedDecember 31,



 (In millions)
2025
2024
$ Change
% ChangeRevenue
$           6,074.5
$           5,681.1
$         393.4
7 %Net income attributable to Equifax
$              660.3
$              604.1
$           56.2
9 %Income taxes
230.6
203.2
27.4
13 %Interest expense, net*
202.4
214.2
(11.8)
(6) %Depreciation and amortization
719.5
669.8
49.7
7 %Accrual for legal and regulatory matters related to 2017 cybersecurity incident (1)
1.0
0.3
0.7
nmGain on sale of equity investment (2)
(1.2)
—
(1.2)
nmPension mark-to-market fair value adjustment (3)
(0.6)
11.6
(12.2)
nmForeign currency impact of certain intercompany loans (4)
(0.3)
0.4
(0.7)
nmAcquisition-related costs other than acquisition amortization (5)
35.0
68.4
(33.4)
(49) %Realignment of resources and other costs (6)
49.9
48.0
1.9
4 %Argentina highly inflationary foreign currency adjustment (7)
3.3
1.1
2.2
nmLegal Settlement (8)
30.0
15.0
15.0
100 %Antitrust litigation costs (9)
5.4
—
5.4
nmAdjusted EBITDA, excluding the items listed above
$           1,935.3
$           1,836.1
$           99.2
5 %Adjusted EBITDA margin
31.9 %
32.3 %






nm - not meaningful

*Excludes interest income of $2.6 million and $5.7 million for the fourth quarter of 2025 and 2024, respectively. Also, excludes interest income of $9.9 million and $14.9 million for the years ended December 31, 2025 and 2024, respectively.

(1)During the fourth quarter of 2025 and the year ended December 31, 2025, we recorded an accrual for legal and regulatory matters related to the 2017 cybersecurity incident of $0.3 million and $1.0 million ($0.9 million, net of tax), respectively. During the fourth quarter of 2024 and the year ended December 31, 2024, we recorded an accrual for legal and regulatory matters related to the 2017 cybersecurity incident of $0.1 million and $0.3 million ($0.2 million, net of tax), respectively. See the Notes to this reconciliation for additional detail.

(2)During the fourth quarter of 2025 and the year ended December 31, 2025, we recorded a gain on sale of equity investments of $0.3 million and $1.2 million ($0.7 million, net of tax), respectively. The impact was recorded to the Other Income (Expense), net line item within the Consolidated Statements of Income. See the Notes to this reconciliation for additional detail.(3)During the fourth quarter of 2025 and the year ended December 31, 2025, we recorded a gain of $0.6 million ($0.6 million, net of tax) related to the mark-to-market fair value adjustment of our pension and postretirement benefit plans. During the fourth quarter of 2024 and the year ended December 31, 2024, we recorded a loss of $11.6 million ($8.7 million, net of tax) related to the mark-to-market fair value adjustment of our pension and postretirement benefit plans. See the Notes to this reconciliation for additional detail.

(4)During the fourth quarter of 2025 and the year ended December 31, 2025, we recorded a foreign currency loss of $0.1 million and a foreign currency gain of $0.3 million on certain intercompany loans, respectively. During the fourth quarter of 2024 and the year ended December 31, 2024, we recorded a foreign currency loss of $0.3 million and $0.4 million, respectively, related to certain intercompany loans. The impact was recorded to the Other Income (Expense), net line item within the Consolidated Statements of Income. See the Notes to this reconciliation for additional detail.

(5)During the fourth quarter of 2025 and the year ended December 31, 2025, we recorded $8.5 million ($5.6 million, net of tax) and $35.0 million ($24.4 million, net of tax), respectively, for acquisition-related costs other than acquisition amortization. During the fourth quarter of 2024 and the year ended December 31, 2024, we recorded $20.0 million ($15.8 million, net of tax) and $68.4 million ($51.8 million, net of tax), respectively, for acquisition-related costs other than acquisition amortization. These costs primarily related to integration costs resulting from recent acquisition activity and were recorded in operating income. See the Notes to this reconciliation for additional detail.

(6)During the year ended December 31, 2025, we recorded $49.9 million ($37.4 million, net of tax) of restructuring charges for the realignment of resources and other costs, which predominantly relate to the reduction of headcount to support the Company's global strategic objectives. During the fourth quarter of 2024, we recorded $6.4 million ($4.6 million, net of tax) of restructuring charges primarily related to contract terminations. For the year ended December 31, 2024, we recorded $48.0 million ($34.1 million, net of tax) of restructuring charges related to the realignment of resources and other costs. These restructuring charges predominantly related to our ongoing efforts toward completion of our technology transformation in order to support the Company's strategic objectives. See the Notes to this reconciliation for additional detail.

(7)Argentina experienced multiple periods of increasing inflation rates, devaluation of the peso, and increasing borrowing rates. As such, Argentina was deemed a highly inflationary economy by accounting policymakers. During the fourth quarter of 2025 and the year ended December 31, 2025, we recorded a foreign currency loss of $0.9 million and $3.3 million, respectively, related to the impact of remeasuring the peso denominated monetary assets and liabilities as a result of Argentina being a highly inflationary economy. During the fourth quarter of 2024 and the year ended December 31, 2024, we recorded a foreign currency loss of $0.6 million and $1.1 million, respectively, related to the impact of remeasuring the peso denominated monetary assets and liabilities as a result of Argentina being a highly inflationary economy. See the Notes to this reconciliation for additional detail.

(8)During the fourth quarter of 2025 and the year ended December 31, 2025, we recorded a $30.0 million ($22.6 million, net of tax) charge for a settlement associated with the resolution of inquiry disputes related claims. During the fourth quarter of 2024 and the year ended December 31, 2024, we recorded a $15.0 million charge for a settlement associated with the resolution of a matter with the CFPB. See the Notes to this reconciliation for additional detail.

(9)During the fourth quarter of 2025 and the year ended December 31, 2025, we recorded costs related to antitrust litigation pertaining to our Workforce Solutions business unit in the amount of $1.2 million ($0.9 million, net of tax) and $5.4 million ($4.1 million, net of tax), respectively. See the Notes to this reconciliation for additional detail.C.   Reconciliation of operating income by segment to Adjusted EBITDA, excluding depreciation and amortization expense, other income, net, noncontrolling interest, accrual for legal and regulatory matters related to the 2017 cybersecurity incident, gain on sale of equity investment, pension mark-to-market fair value adjustment, foreign currency impact of certain intercompany loans, acquisition-related costs other than acquisition amortization, realignment of resources and other costs, Argentina highly inflationary foreign currency adjustment, legal settlement, antitrust litigation costs and presentation of adjusted EBITDA margin for each of the segments:(In millions)
Three Months Ended December 31, 2025

Workforce
Solutions
U.S. Information
Solutions
International
General Corporate
Expense
Total




Revenue
$                652.2
$                526.9
$                371.5
—
$             1,550.6Operating income
285.5
128.3
60.8
(190.4)
284.2Depreciation and amortization
47.7
62.5
48.9
25.2
184.3Other income (expense), net*
0.4
0.4
0.5
(1.1)
0.2Noncontrolling interest
—
—
(0.6)
—
(0.6)Adjustments (1)
0.9
—
7.6
31.6
40.1Adjusted EBITDA
$                334.5
$                191.2
$                117.2
$                 (134.7)
$                508.2Operating margin
43.8 %
24.4 %
16.4 %
nm
18.3 %Adjusted EBITDA margin
51.3 %
36.3 %
31.6 %
nm
32.8 %
(In millions)
Twelve Months Ended December 31, 2025

Workforce
Solutions
U.S. Information
Solutions
International
General Corporate
Expense
Total




Revenue
$             2,582.3
$             2,078.5
$             1,413.7
—
$             6,074.5Operating income
1,141.5
475.2
182.5
(704.0)
1,095.2Depreciation and amortization
184.3
251.3
186.7
97.2
719.5Other income (expense), net*
0.3
2.1
3.7
(4.0)
2.1Noncontrolling interest
—
—
(4.0)
—
(4.0)Adjustments (1)
4.4
2.3
34.3
81.5
122.5Adjusted EBITDA
$             1,330.5
$                730.9
$                403.2
$                 (529.3)
$             1,935.3Operating margin
44.2 %
22.9 %
12.9 %
nm
18.0 %Adjusted EBITDA margin
51.5 %
35.2 %
28.5 %
nm
31.9 %
*Excludes interest income of $2.6 million in the fourth quarter of 2025 and $9.9 million for the year ended December 31, 2025.
(In millions)
Three Months Ended December 31, 2024

Workforce
Solutions
U.S. Information
Solutions
International
General Corporate
Expense
Total




Revenue
$                598.1
$                472.5
$                348.8
—
$             1,419.4Operating income
257.9
115.1
60.8
(145.7)
288.1Depreciation and amortization
44.8
62.7
44.6
19.5
171.6Other expense, net*
—
—
(0.1)
(12.3)
(12.4)Noncontrolling interest
—
—
0.6
—
0.6Adjustments (2)
7.6
3.0
7.6
35.8
54.0Adjusted EBITDA
$                310.3
$                180.8
$                113.5
$                 (102.7)
$                501.9Operating margin
43.1 %
24.4 %
17.4 %
nm
20.3 %Adjusted EBITDA margin
51.9 %
38.3 %
32.5 %
nm
35.4 %
(In millions)
Twelve Months Ended December 31, 2024

Workforce
Solutions
U.S. Information
Solutions
International
General Corporate
Expense
Total




Revenue
$             2,433.8
$             1,893.0
$             1,354.3
—
$             5,681.1Operating income
1,053.3
404.4
181.2
(596.8)
1,042.1Depreciation and amortization
178.4
237.3
176.0
78.1
669.8Other income (expense), net*
—
0.2
2.0
(19.6)
(17.4)Noncontrolling interest
—
—
(3.2)
—
(3.2)Adjustments (2)
30.0
11.5
18.2
85.1
144.8Adjusted EBITDA
$             1,261.7
$                653.4
$                374.2
$                 (453.2)
$             1,836.1Operating margin
43.3 %
21.4 %
13.4 %
nm
18.3 %Adjusted EBITDA margin
51.8 %
34.5 %
27.6 %
nm
32.3 %
*Excludes interest income of $5.7 million in the fourth quarter of 2024 and $14.9 million for the year ended December 31, 2024.

(1)During the fourth quarter of 2025, we recorded pre-tax expenses of $0.3 million for an accrual for legal and regulatory matters related to the 2017 cybersecurity incident, a $0.3 million gain on sale of equity investment, a $0.6 million gain related to mark-to-market fair value adjustment of our pension and postretirement benefit plans, a $0.1 million foreign currency loss on certain intercompany loans, $8.5 million for acquisition-related costs other than acquisition amortization, a $0.9 million foreign currency loss related to the impact of remeasuring the peso denominated monetary assets and liabilities as a result of Argentina being a highly inflationary economy, a $30.0 million charge related to an accrual for a settlement associated with the resolution of inquiry disputes related claims and $1.2 million of antitrust litigation costs.


For the year ended December 31, 2025, we recorded $1.0 million for an accrual for legal and regulatory matters related to the 2017 cybersecurity incident, a $1.2 million gain on sale of equity investment, a $0.6 million gain related to mark-to-market fair value adjustment of our pension and postretirement benefit plans, a $0.3 million foreign currency gain on certain intercompany loans, $35.0 million for acquisition-related costs other than acquisition amortization, $49.9 million of restructuring charges for the realignment of resources and other costs, a foreign currency loss of $3.3 million related to the impact of remeasuring the peso denominated monetary assets and liabilities as a result of Argentina being a highly inflationary economy, a $30.0 million charge related to an accrual for a settlement associated with the resolution of inquiry disputes related claims and $5.4 million of antitrust litigation costs.

(2)During the fourth quarter of 2024, we recorded pre-tax expenses of $0.1 million for an accrual for legal and regulatory matters related to the 2017 cybersecurity incident, an $11.6 million loss related to the mark-to-market fair value adjustment of our pension and postretirement benefit plans, a $0.3 million foreign currency loss on certain intercompany loans, $20.0 million for acquisition-related costs other than acquisition amortization, $6.4 million of restructuring charges for the realignment of resources and other costs, a $0.6 million foreign currency loss related to the impact of remeasuring the peso denominated monetary assets and liabilities as a result of Argentina being a highly inflationary economy and a $15.0 million charge for a settlement associated with the resolution of a matter with the CFPB.


For the year ended December 31, 2024, we recorded $0.3 million for an accrual for legal and regulatory matters related to the 2017 cybersecurity incident, an $11.6 million loss related to the mark-to-market fair value adjustment of our pension and postretirement benefit plans, a $0.4 million foreign currency loss on certain intercompany loans, $68.4 million for acquisition-related costs other than acquisition amortization, $48.0 million of restructuring charges for the realignment of resources and other costs, a foreign currency loss of $1.1 million related to the impact of remeasuring the peso denominated monetary assets and liabilities as a result of Argentina being a highly inflationary economy and a $15.0 million charge for a settlement associated with the resolution of a matter with the CFPB.Notes to Reconciliations of Non-GAAP Financial Measures to the Comparable GAAP Financial MeasuresDiluted EPS attributable to Equifax is adjusted for the following items:Acquisition-related amortization expense - During the fourth quarter of 2025 and 2024, we recorded acquisition-related amortization expense of certain acquired intangibles of $62.6 million ($50.1 million, net of tax) and $64.1 million ($51.0 million, net of tax), respectively. For the years ended December 31, 2025 and 2024, we recorded acquisition-related amortization expense of certain acquired intangibles of $250.2 million ($200.2 million, net of tax) and $261.1 million ($207.5 million, net of tax), respectively. We calculate this financial measure by excluding the impact of acquisition-related amortization expense and including a benefit to reflect the material cash income tax savings resulting from the income tax deductibility of amortization for certain acquired intangibles. These financial measures are not prepared in conformity with GAAP. Management believes excluding the impact of amortization expense is useful because excluding acquisition-related amortization, and other items that are not comparable allows investors to evaluate our performance for different periods on a more comparable basis. Certain acquired intangibles result in material cash income tax savings which are not reflected in earnings. Management believes that including a benefit to reflect the cash income tax savings is useful as it allows investors to better value Equifax. Management makes these adjustments to earnings when measuring profitability, evaluating performance trends, setting performance objectives and calculating our return on invested capital.Accrual for legal and regulatory matters related to the 2017 cybersecurity incident - Accrual for legal and regulatory matters related to the 2017 cybersecurity incident includes legal fees to respond to subsequent litigation and government investigations for the periods presented. During the fourth quarter of 2025 and the year ended December 31, 2025, we recorded an accrual for legal and regulatory matters related to the 2017 cybersecurity incident of $0.3 million and $1.0 million ($0.9 million, net of tax), respectively. During the fourth quarter of 2024 and the year ended December 31, 2024, we recorded an accrual for legal and regulatory matters related to the 2017 cybersecurity incident of $0.1 million and $0.3 million ($0.2 million, net of tax), respectively. Management believes excluding these charges is useful as it allows investors to evaluate our performance for different periods on a more comparable basis. Management makes these adjustments to net income when measuring profitability, evaluating performance trends, setting performance objectives and calculating our return on invested capital. This is consistent with how management reviews and assesses Equifax's historical performance and is useful when planning, forecasting and analyzing future periods.Gain on sale of equity investment - During the fourth quarter of 2025 and the year ended December 31, 2025, we recorded a gain on sale of equity investments of $0.3 million and $1.2 million ($0.7 million, net of tax), respectively. Management believes excluding this charge from certain financial results provides meaningful supplemental information regarding our financial results for the three and twelve months ended December 31, 2025, since the non-operating gains are not comparable among the periods. This is consistent with how our management reviews and assesses Equifax's historical performance and is useful when planning, forecasting and analyzing future periods.Pension mark-to-market fair value adjustment - We utilize a mark-to-market method of accounting for recognizing actuarial gains and losses and expected return on plan assets for our defined benefit pension and other postretirement benefit plans. Under our accounting methodology for recognizing actuarial gains and losses and expected return on plan assets for our defined benefit pension and other postretirement benefit plans, remeasurement of projected benefit obligation and plan assets are immediately recognized in earnings through net periodic benefit cost within Other Income (Expense), net on the Consolidated Statements of Income, with pension and postretirement plans to be remeasured annually in the fourth quarter, or on an interim basis as triggering events require remeasurement. During the fourth quarter of 2025 and the year ended December 31, 2025, we recorded a gain of $0.6 million ($0.6 million, net of tax) related to the mark-to-market fair value adjustment of our pension and postretirement benefit plans. During the fourth quarter of 2024 and the year ended December 31, 2024, we recorded a loss of $11.6 million ($8.7 million, net of tax) related to the mark-to-market fair value adjustment of our pension and postretirement benefit plans. Management believes excluding these charges from certain financial results provides meaningful supplemental information regarding our financial results, since the non-operating gains and losses are not comparable among the periods. This is consistent with how our management reviews and assesses Equifax's historical performance and is useful when planning, forecasting and analyzing future periods.Foreign currency impact of certain intercompany loans - During the fourth quarter of 2025 and the year ended December 31, 2025, we recorded a foreign currency loss of $0.1 million and a foreign currency gain of $0.3 million on certain intercompany loans, respectively. During the fourth quarter of 2024 and the year ended December 31, 2024, we recorded a foreign currency loss of $0.3 million and $0.4 million, respectively, related to certain intercompany loans. The impact was recorded to the Other Income (Expense), net line item within the Consolidated Statements of Income. Management believes excluding this charge is useful as it allows investors to evaluate our performance for different periods on a more comparable basis. This is consistent with how management reviews and assesses Equifax's historical performance and is useful when planning, forecasting and analyzing future periods.Acquisition-related costs other than acquisition amortization - During the fourth quarter of 2025 and the year ended December 31, 2025, we recorded $8.5 million ($5.6 million, net of tax) and $35.0 million ($24.4 million, net of tax), respectively, for acquisition-related costs other than acquisition amortization. During the fourth quarter of 2024 and the year ended December 31, 2024, we recorded $20.0 million ($15.8 million, net of tax) and $68.4 million ($51.8 million, net of tax), respectively, for acquisition-related costs other than acquisition amortization. These costs primarily related to transaction and integration costs resulting from recent acquisitions and were recorded in operating income. Management believes excluding this charge from certain financial results provides meaningful supplemental information regarding our financial results, since a charge of such an amount is not comparable among the periods. This is consistent with how our management reviews and assesses Equifax's historical performance and is useful when planning, forecasting, and analyzing future periods.Charge related to the realignment of resources and other costs - During the year ended December 31, 2025, we recorded $49.9 million ($37.4 million, net of tax) of restructuring charges for the realignment of resources and other costs, which predominantly relate to the reduction of headcount to support the Company's global strategic objectives. During the fourth quarter of 2024, we recorded $6.4 million ($4.6 million, net of tax) of restructuring charges primarily related to contract terminations. For the year ended December 31, 2024, we recorded $48.0 million ($34.1 million, net of tax) of restructuring charges related to the realignment of resources and other costs. These restructuring charges predominantly related to our ongoing efforts toward completion of our technology transformation in order to support the Company's strategic objectives. Management believes excluding these charges from certain financial results provides meaningful supplemental information regarding our financial results for the three and twelve months ended December 31, 2025 and 2024, since the charges are not comparable among the periods. This is consistent with how our management reviews and assesses Equifax's historical performance and is useful when planning, forecasting and analyzing future periods.Income tax effects of stock awards that are recognized upon vesting or settlement - During the fourth quarter of 2025 and the year ended December 31, 2025, we recorded a tax benefit of $0.4 million and $2.4 million, respectively, related to the tax effects of deductions for stock compensation in excess of amounts recorded for compensation costs. During the fourth quarter of 2024 and the year ended December 31, 2024, we recorded a tax benefit of $0.6 million and $8.2 million, respectively, related to the tax effects of deductions for stock compensation in excess of amounts recorded for compensation costs. Management believes excluding this tax effect from financial results provides meaningful supplemental information regarding our financial results for the three and twelve months ended December 31, 2025, as compared to the corresponding periods in 2024, because these amounts are non-operating and relate to income tax benefits or deficiencies for stock awards recognized when tax amounts differ from recognized stock compensation cost. This is consistent with how management reviews and assesses Equifax's historical performance and is useful when planning, forecasting and analyzing future periods.Argentina highly inflationary foreign currency adjustment - Argentina experienced multiple periods of increasing inflation rates, devaluation of the peso, and increasing borrowing rates. As such, Argentina was deemed a highly inflationary economy by accounting policymakers. During the fourth quarter of 2025 and the year ended December 31, 2025, we recorded a $0.9 million and a $3.3 million foreign currency loss, respectively, related to the impact of remeasuring the peso denominated monetary assets and liabilities as a result of Argentina being a highly inflationary economy. During the fourth quarter of 2024 and the year ended December 31, 2024, we recorded a foreign currency loss of $0.6 million and $1.1 million, respectively. Management believes excluding this charge is useful as it allows investors to evaluate our performance for different periods on a more comparable basis. This is consistent with how management reviews and assesses Equifax's historical performance and is useful when planning, forecasting and analyzing future periods.Reversal of a valuation allowance for certain deferred tax assets - During the fourth quarter of 2024 and the year ended December 31, 2024, we recorded a full reversal of a valuation allowance for certain deferred tax assets of $4.6 million. The valuation allowance was initially recorded in the first quarter of 2020 for deferred tax assets where the benefit was not expected to be realized. In the fourth quarter of 2024, we determined the benefit is expected to be realized for the deferred tax assets and therefore we fully reversed the valuation allowance initially recorded. The tax effect of the initial valuation allowance recorded was excluded from financial results in the first quarter of 2020, and therefore the tax effect of the reversal of the valuation allowance has been excluded from financial results in the fourth quarter of 2024. Management believes excluding this tax effect from financial results provides meaningful supplemental information regarding our financial results for the three and twelve months ended December 31, 2024 because this amount is not comparable among the periods. This is consistent with how management reviews and assesses Equifax's historical performance and is useful when planning, forecasting and analyzing future periods.Legal settlement - During the fourth quarter of 2025 and the year ended December 31, 2025, we recorded a $30.0 million ($22.6 million, net of tax) charge for a settlement associated with the resolution of inquiry disputes related claims. During the fourth quarter of 2024 and the year ended December 31, 2024, we recorded a $15.0 million charge for a settlement associated with the resolution of a matter with the CFPB. Management believes excluding this charge from certain financial results provides meaningful supplemental information regarding our financial results for the three and twelve months ended December 31, 2025 and 2024, since a charge of such an amount is not comparable among the periods. This is consistent with how our management reviews and assesses Equifax's historical performance and is useful when planning, forecasting and analyzing future periods.Antitrust litigation costs - Antitrust litigation costs include legal fees to respond to antitrust litigation pertaining to our Workforce Solutions business unit. During the fourth quarter of 2025 and the year ended December 31, 2025, we recorded costs related to antitrust litigation pertaining to our Workforce Solutions business unit in the amount of $1.2 million ($0.9 million, net of tax) and $5.4 million ($4.1 million, net of tax), respectively. Management believes excluding these charges is useful as it allows investors to evaluate our performance for different periods on a more comparable basis, as these legal matters are outside of the normal course of Equifax's continuing business operations. Management makes these adjustments to net income when measuring profitability, evaluating performance trends, setting performance objectives and calculating our return on invested capital. This is consistent with how management reviews and assesses Equifax's historical performance and is useful when planning, forecasting and analyzing future periods.Adjusted EBITDA and EBITDA margin - Management defines adjusted EBITDA as consolidated net income attributable to Equifax plus net interest expense, income taxes, depreciation and amortization, and also excludes certain one-time items. Management believes the use of adjusted EBITDA and adjusted EBITDA margin allows investors to evaluate our performance for different periods on a more comparable basis.Contact:Trevor BurnsKate WalkerInvestor RelationsMedia Relationstrevor.burns@equifax.commediainquiries@equifax.com 



View original content to download multimedia:https://www.prnewswire.com/news-releases/equifax-delivers-fourth-quarter-2025-revenue-growth-of-9-despite-weaker-us-hiring-and-mortgage-markets-302678852.htmlSOURCE Equifax Inc.

Original: Equifax Delivers Fourth Quarter 2025 Revenue Growth of 9% Despite Weaker U.S. Hiring and Mortgage Markets

Equifax Launches Credit Abuse Risk Model to Help Protect Lenders Against the Rising Financial Impact of First-Party FraudJanuary 30, 2026 7:45 AM
PR Newswire (US)

New Behavioral Insights Detect Potential Credit Washing or Loan Stacking Activities to Drive More Confident Lending Decisions ATLANTA, Jan. 30, 2026 /PRNewswire/ -- Equifax® (NYSE: EFX) today announced the launch of Credit Abuse Risk, a new predictive model that uses FCRA-regulated data and is designed to help protect lenders against first-party fraud and drive more confident lending decisions.







As the financial impact of first-party fraud continues to rise, Credit Abuse Risk was developed to uncover atypical patterns indicative of two types of fraudulent activities: loan stacking, when an individual quickly applies for multiple loans with no intent to repay those loans, and credit washing, when a person tries to remove accurate, but negative information from a credit report. These patterns can be identified during prequalification offers, account origination, or portfolio review. This allows lenders to modify loan terms based on FCRA-compliant insights."By focusing on application behavior in real-time, Credit Abuse Risk quickly helps to reduce the potential for fraud and related costs," said Felipe Castillo, Chief Product Officer for U.S. Information Solutions at Equifax. "This supports a more confident lending environment, and helps keep credit available for consumers."Credit Abuse Risk features include:Enhanced insights: The model focuses on behavioral indicators that provide a clear view of atypical credit activity.Targeted decisioning: Specifically designed to address the lifecycle of fraud, from the building of inflated credit profiles to a sudden influx of disputes on unpaid accounts that falls outside the normal range, without limiting the important consumer protections to correct inaccurate or incomplete credit data.Comprehensive portfolio protection: Provides lenders with important insights across all credit tiers.Actionable intelligence: Allows lenders to make real-time, regulated decisions on credit terms for a consumer, providing an FCRA-compliant score with adverse action reason codes.A Comprehensive, Layered Defense
Credit Abuse Risk is a vital component of the Equifax layered fraud defense strategy to help inform better lending decisions. It works alongside Synthetic Identity Risk tools to provide a complete view of identity legitimacy and hidden repayment risk.For more information on Credit Abuse Risk and the Equifax suite of fraud solutions, please visit our website. Financial Institutions who prefer to validate effectiveness on their own historical data can evaluate the Credit Abuse Risk model through a secure, data-driven evaluation test.ABOUT EQUIFAX INC.
At Equifax (NYSE: EFX), we believe knowledge drives progress. As a global data, analytics, and technology company, we play an essential role in the global economy by helping financial institutions, companies, employers, and government agencies make critical decisions with greater confidence. Our unique blend of differentiated data, analytics, and cloud technology drives insights to power decisions to move people forward. Headquartered in Atlanta and supported by nearly 15,000 employees worldwide, Equifax operates or has investments in 24 countries in North America, Central and South America, Europe, and the Asia Pacific region. For more information, visit Equifax.com.FOR MORE INFORMATION:
Tiffany Smith for Equifax
mediainquiries@equifax.com



View original content to download multimedia:https://www.prnewswire.com/news-releases/equifax-launches-credit-abuse-risk-model-to-help-protect-lenders-against-the-rising-financial-impact-of-first-party-fraud-302674524.htmlSOURCE Equifax Inc.

Original: Equifax Launches Credit Abuse Risk Model to Help Protect Lenders Against the Rising Financial Impact of First-Party Fraud

Equifax Launches Employment Insights Solutions for Auto DealersJanuary 28, 2026 4:20 PM
PR Newswire (US)

New Offerings Deliver Key Employment Information Alongside the Equifax Consumer Credit Report to Create a More Complete Financial Picture During Auto Loan Prequalification and Financing ProcessesATLANTA, Jan. 28, 2026 /PRNewswire/ -- Equifax® (NYSE: EFX) today announced the launch of two new Employment Insights solutions designed to provide a more complete picture of a buyer's financial profile earlier in the car-buying process. Delivered alongside the Equifax Consumer Credit Report, the offerings provide auto dealers with access to verified data from The Work Number®, the nation's largest centralized commercial database of employment and income information. 







The Employment Insights solutions offer information at two different points in the auto dealer workflow – prequalification and financing – to enable a faster, more reliable process. By leveraging The Work Number, the solutions help auto dealers move beyond self-reported data to make faster data-driven decisions based on verified consumer information."Today's car shoppers are more price sensitive than ever, so a delay in financing could easily result in a lost sale," said Lena Bourgeois, Senior Vice President and General Manager of Automotive Services at Equifax. "This makes it critical for auto dealers to quickly receive reliable information that helps them operate with confidence and close deals faster. With these new Employment Insights, dealers get proven income and job data, helping them verify what consumers report themselves. This allows them to make smarter decisions, lower their risk, and create a smoother, quicker loan approval process for consumers and dealerships."Employment Insights for PrequalificationDelivered at the early shopping or prequalification stage, Employment Insights for Prequalification helps dealers better understand a buyer's purchasing power before a full credit application is submitted. The report includes the applicant's calculated total annual income and active employment record and tenure, allowing dealers to:Understand the potential buyer's purchasing power.Gain confidence in debt-to-income (DTI) and payment-to-income (PTI) calculations to offer right-sized deals.Tailor sales experiences based on the buyer's verified ability to pay.Customize offers based on the consumer's employment status and ability to pay.Employment Insights for FinancingAt the financing and deal-closure stage, Employment Insights for Financing helps dealers validate application information and reduce buyback risk. The report combines verified income and employment data with identity validation, so dealers can:Verify consumer employment status and tenure for stronger confidence in stated application information.Route applications more precisely based on consumer qualifications including verified income and employment.Align deal terms with the consumer's verified purchasing power.For more information about Employment Insights solutions for auto dealers, please visit our website.ABOUT EQUIFAX INC.
At Equifax (NYSE: EFX), we believe knowledge drives progress. As a global data, analytics, and technology company, we play an essential role in the global economy by helping financial institutions, companies, employers, and government agencies make critical decisions with greater confidence. Our unique blend of differentiated data, analytics, and cloud technology drives insights to power decisions to move people forward. Headquartered in Atlanta and supported by nearly 15,000 employees worldwide, Equifax operates or has investments in 24 countries in North America, Central and South America, Europe, and the Asia Pacific region. For more information, visit Equifax.com. FOR MORE INFORMATION: 
Tiffany Smith for Equifax  
mediainquiries@equifax.com  



View original content to download multimedia:https://www.prnewswire.com/news-releases/equifax-launches-employment-insights-solutions-for-auto-dealers-302672874.htmlSOURCE Equifax Inc.

Original: Equifax Launches Employment Insights Solutions for Auto Dealers

Equifax Introduces Income Confirm to Strengthen Decisioning Confidence During the Credit Card Origination ProcessJanuary 26, 2026 12:45 PM
PR Newswire (US)

New Offering Delivers Income and Employment Insights from The Work Number® With Equifax Credit Report, Helping Lenders Better Customize Credit Card Offerings for Applicants ATLANTA, Jan. 26, 2026 /PRNewswire/ -- Equifax® (NYSE:EFX) today announced the launch of Income Confirm, a new product that delivers verified employment and income data from The Work Number® alongside an Equifax Consumer Credit Report. This integration provides lenders with a more comprehensive view of applicant risk and financial capacity during credit card origination.







Speed and accuracy are critical for consumers and lenders during the credit card application process. Income Confirm supports the decisioning and credit line assignment stages of the lending process, providing the applicant's current job status and calculated annual income to help lenders better assess risk and expedite approvals."Consumers expect a fast, streamlined process when they apply for a new credit card," said Scott Collins, General Manager and Senior Vice President of Financial Institutions at Equifax. "Income Confirm equips lenders to make decisions based on facts, not estimates, and to optimize initial credit lines based on the consumer's true ability to pay. This supports a smoother, faster experience for applicants, and can also help drive early new cardholder engagement and spend."Leveraging data from The Work Number, Income Confirm provides the following data points alongside the Equifax Consumer Credit Report, where available:Employee Name/SSN: Gain confidence in the name of the potential borrower.Employer Name: Provides the applicant's current or most recent employer name from The Work Number, allowing lenders to verify the applicant-stated employer information.Employment Status: Provides the applicant's current employment status, helping lenders confirm whether the applicant is employed.Annualized Income: Provides the applicant's calculated annual income to help optimize the decisioning and credit line assignment processes, and customize the ideal offering for the applicant.For more information about Income Confirm, please visit our website.ABOUT EQUIFAX INC. At Equifax (NYSE: EFX), we believe knowledge drives progress. As a global data, analytics, and technology company, we play an essential role in the global economy by helping financial institutions, companies, employers, and government agencies make critical decisions with greater confidence. Our unique blend of differentiated data, analytics, and cloud technology drives insights to power decisions to move people forward. Headquartered in Atlanta and supported by nearly 15,000 employees worldwide, Equifax operates or has investments in 24 countries in North America, Central and South America, Europe, and the Asia Pacific region. For more information, visit www.equifax.com.FOR MORE INFORMATION:
Dan Jenkins for Equifax Workforce Solutions
mediainquiries@equifax.com 



View original content to download multimedia:https://www.prnewswire.com/news-releases/equifax-introduces-income-confirm-to-strengthen-decisioning-confidence-during-the-credit-card-origination-process-302669020.htmlSOURCE Equifax Inc.

Original: Equifax Introduces Income Confirm to Strengthen Decisioning Confidence During the Credit Card Origination Process

EFX, new 52 week low

EFX 10Q due Oct 16

EFX new 52 week high

EFX 10Q due JULY17

EFX new 52 week high

3 year downtrend could be broken.

Earnings were a beat but revenue was a slight disappointment, missing estimates. The stock has been stuck in a downtrend for 3 years but we think a break is coming, this is very much dependent on the sentiment within the market.

Check options no volume on at all on all the options. ???

The stock was heading down already so just because it wasn't there breach doesn't mean it's still not going to sell off!! One Direction

I want to see that 115+ zone which was prior support. after that this will be on borrowed time in terms of being propped up

The entire industry will be overhauled, days of having no control over you own info while co's profit from it are coming to an end!!

~This stock should not be up from recent low, given lack of competency & greed in the face of this epic blunder.

40% fall of EFX in response to the breach will have little impact on the company’s normalized earnings. Compelling long-term investment!

Halted pending news.

As lawmakers get ready to grill Equifax CEO Richard Smith and SEC Chair Jay Clayton on Capitol Hill in the coming weeks, many wonder how the respective executives of each organization will be asked to pay for compromising the sensitive information of American individuals and companies.

Read more: http://www.foxbusiness.com/politics/2017/09/22/will-heads-roll-at-equifax-sec-over-massive-breaches.html

Also, $TRU dipped nicely after this came out to $41.00 and recovering nicely now!! TRU is indirectly connected to Equifax!

Hgmmmmmm!

Equifax Is Sure to Rise Again After the Crisis | InvestorPlace

https://investorplace.com/2017/09/efx-stock-equifax-rise-again/view-all/#.WcUawEFOmEd

Back @ 100 bucks hahaha fake a$$ market. Company is about to have a total collapse and the price is rising lol.

I just shifted at 97.25

It's been a great day trade lately

Time to Selloff this inflated stock Bad management worst company in Big trouble class action lawsuits with stolen credit information of angry consumers

Good time to buy? Any suggestions please...

With so much negative news why this closed positive last 2 days?

https://www.cnbc.com/2017/09/19/massachusetts-sues-equifax-for-not-protecting-state-residents.html

~Mass is suing now. Mass DA on CNBC now. This company will have to file for bankruptcy.

How is this even green?

~Indeed.

LOL a second breach, makes you wonder what else they are hiding.

Sitting on the hack info for months, management selling before announcement, seems like serious ethics breech to me.

Stalking longer term puts...

https://www.google.com/amp/s/www.vox.com/platform/amp/technology/2017/9/18/16328170/equifax-credit-data-breach-justice-department

Sure hope not...

Equifax acknowledges a second security 'incident' happened in March

https://www.cnbc.com/2017/09/18/equifax-acknowledges-second-security-incident-march.html

TRU

SEE

https://investorshub.advfn.com/TRANSUNION-TRU-32089/