Revenue segments as reported by the company.

Workforce Solutions

U.S. Information Solutions

International

Global Consumer Solutions

Revenue Segments

Gross Profit, Operating Income, and Net Income as a percentage of Revenue

Gross Margin

Operating Margin

Profit Margin

Margins

An operating expense is an expense a business incurs through its normal business operations. Often abbreviated as OPEX.

Selling, general and administrative expenses

Depreciation and amortization

Operating Expenses

Year over year growth in Revenue and Operating Expenses.

Revenue Y/Y

OpEx Y/Y

Growth

Shares outstanding refer to a company's stock currently held by all its shareholders, including share blocks held by institutional investors and restricted shares owned by the company's officers and insiders.

Outstanding Shares

Market Cap

Also known as Price/Sales Ratio. Calculated using Average market cap for the quarter / Annualized quarterly revenue.

Revenue Multiple

Equifax

Equifax, Inc. engages in the provision of information solutions and human resources business process outsourcing services. It operates through the following business segments: U.S. Information Solutions, Workforce Solutions and International. The U.S. Information Solutions segment includes consumer and commercial information services, mortgage loan origination information, financial marketing services, and identity management. The Workforce Solutions segment covers employment, income, and social security number verification services as well as complementary payroll-based transaction and employment tax management services. The International segment offers information, technology, and services to support debt collections and recovery management in Canada, Europe, Latin America and Asia Pacific. The company was founded by Cator Woolford and Guy Woolford in 1899 and is headquartered in Atlanta, GA.

Earnings data Q1 2021

Earnings data Q2 2021

Earnings data Q3 2021

Earnings data Q4 2021

Earnings data Q1 2022

Earnings data Q2 2022

Earnings data Q3 2022

Earnings data Q4 2022

Earnings data Q1 2023

Earnings data Q2 2023

Earnings data Q3 2023

Earnings data Q4 2023

Earnings data Q1 2024

Earnings data Q2 2024

Earnings data Q3 2024

Earnings data Q4 2024

Equifax reports strong Q4 earnings, eyes margin expansion in 2023

Equifax delivered strong earnings in Q4 2022, focusing on non-mortgage revenue growth and cost-saving initiatives. The company aims to expand margins, complete cloud transformation, and drive above-market revenue growth. Despite challenges in the mortgage market, Equifax is optimistic about future growth opportunities.

Equifax reports resilient Q1 performance amidst market challenges

Equifax delivered a strong quarter despite challenges in the U.S. mortgage market, focusing on margin expansion and growth opportunities.
The company's strategic initiatives in data transformation and new product offerings position it for future success.
While facing uncertainties like inflation and regulatory changes, Equifax remains committed to driving shareholder value.
Equifax's performance highlights resilience and adaptability in navigating market dynamics and leveraging technological advancements.

Equifax reports solid Q2 performance amidst market challenges and growth opportunities

Equifax's Q2 performance reflects strength in revenue generation and margin improvement, despite challenges in the mortgage market and competitive landscape.
The company is focused on leveraging acquisitions, cloud capabilities, and new products to achieve revenue targets and drive growth in key segments.
Opportunities lie in AI utilization, market recovery, and revenue acceleration, while challenges include market uncertainties and competition in verification services.

Equifax reports resilient Q3 performance amidst mortgage market challenges

Equifax navigated challenges in the U.S. mortgage market to deliver solid financial performance and maintain focus on growth strategies.
The company's emphasis on cost reduction, cloud transformation, and new product offerings positions it well for future opportunities and margin improvement.
Despite headwinds, Equifax's diversified revenue streams and strong market position showcase resilience and potential for sustained growth.
Strategic responses to market dynamics, leveraging historical data, and focusing on customer needs highlight Equifax's proactive approach to driving revenue growth.

Equifax projects revenue growth and margin expansion in 2024

Equifax's strong performance in 2023 sets the stage for continued growth in 2024, with a focus on revenue expansion and margin improvement. The company aims to leverage its cloud migration progress and cost-saving initiatives to drive profitability. Challenges in USIS margins and subprime delinquencies require strategic management.

Equifax surpasses Q1 revenue expectations, eyes AI innovation for growth

Equifax's Q1 2024 performance reflects strong revenue growth, exceeding guidance and showcasing stability in its long-term outlook.
While facing challenges in the mortgage market and price sensitivity, Equifax's strategic strengths and opportunities position it for future growth.
Maintaining positive consumer outlook, leveraging AI innovation, and focusing on margin expansion are key strategies for Equifax's growth trajectory.
Navigating uncertainties and seizing opportunities in digital mortgage trends and cloud transformation are critical for Equifax's continued success.

Equifax surpasses Q3 expectations with strong revenue growth and margins

Equifax's Q3 performance exceeded expectations, driven by strong revenue growth and margin expansion across segments.
The company's focus on cloud transformation, new product innovation, and strategic acquisitions positions it for continued success.
Challenges include managing credit health monitoring and sustaining growth amidst market dynamics.
Opportunities lie in mortgage revenue expansion, government vertical growth, and leveraging excess cash flow for shareholder returns.

Revenue

Cost of revenue

Gross profit

Operating expenses

SG&A

Other

Operating income

EBITDA

Net income

Earnings per share

Total assets

Current assets

Cash & equivalents

Receivables

Inventory

Non-current assets

Net PPE

Intangibles

Total liabilities

Current liabilities

Short term debt

Income tax payable

Non-current liabilities

Long-term debt

Total equity

Stockholders equity

Minority interest

Total liabilities & equity

Total debt

Net debt

Book value per share

Cash from operations

Funds from operations

Change in working capital

Cash from investing

Capital expenditure

Purchase/sale of investments

Purchase/sale of business

Other sources

Cash from financing

Change in stock

Change in debt

Cash dividends paid

Cash from other sources

Net change in cash

Free cash flow

Employers Using Leading HR Software Platforms Can Now Leverage API Technology for Streamlined Access to the Equifax Workforce Solutions Compliance Center ™  Platform ATLANTA , Nov. 3, 2022 /PRNewswire/ -- Today, Equifax ® (NYSE: EFX) announced the availability of pre-built Application Programming Interface (API) integrations with iCIMS, Jobvite, PageUp, and SAP SuccessFactors through Veritas Prime, offering employers more streamlined access to the Equifax Workforce Solutions Compliance Center™ platform. The integrations support a more seamless employee experience while helping to free up HR and technology resources for more strategic work.

Equifax Workforce Solutions Releases API Integrations with Top HR Technology Providers

Equifax survey finds many people checking credit scores and reports more often Equifax survey finds many people checking credit scores and reports more often

Increased Cost of Living and Mounting Debt Cause Major Concerns for Canadians

Asure Software

Integration Supports Small Businesses and Their Employees with Access to Automated Verifications from The Work Number®  AUSTIN, Texas and ATLANTA , Oct. 27, 2022 /PRNewswire/ -- Today, Asure Software , Inc. (NASDAQ: ASUR), a leading provider of human capital management (HCM) software solutions, and  Equifax ® (NYSE: EFX), a global data, analytics and technology company, announced a new integration making The Work Number from Equifax available to Asure direct customers and reseller partners. The integration is designed to provide Asure clients and their employees the benefits of quicker, more secure verifications of employment and income from The Work Number within their existing core HCM technology stacks.

Asure and Equifax Align to Deliver Integrated Verifications of Employment and Income

Streamlined Solution Delivers First Verification of Employment Service Developed Specifically for the Staffing Industry ATLANTA , Oct. 25, 2022 /PRNewswire/ -- Today,  Equifax ® (NYSE: EFX) announced the launch of Talent Report™ Employment Staffing, the first and only pre-employment verification service designed specifically to meet the unique needs of the staffing industry. By providing instant verifications of employment via The Work Number ® database in a single, streamlined report, Equifax Workforce Solutions is helping staffing professionals fill roles more quickly and with greater confidence.

Equifax to Enhance Pre-Employment Verification Services with New Talent Report™ Employment Staffing

Lenders encouraged to spot and stop new trends in fraud Lenders encouraged to spot and stop new trends in fraud

High Cost of Living and Credit Demand Could Lead to Higher Probability of Fraud

Equifax Inc. (NYSE:EFX ) Q3 2022 Earnings Conference Call October 20, 2022 8:30 AM ET Company Participants Trevor Burns - Head, IR Mark Begor - Chief Executive Officer John Gamble - Chief Financial Officer and Chief Operations Officer Conference Call Participants Manav Patnaik - Barclays Ashish Sabadra - RBC Capital Markets Andrew Steinerman - JPMorgan Kyle Peterson - Needham and Company Andrew Jeffrey - Truist Securities Kevin McVeigh - Credit Suisse Shlomo Rosenbaum - Stifel Craig Huber - Huber Research Partners Andrew Nicholas - William Blair Jeff Meuler - Robert W. Baird David Togut - Evercore ISI Toni Kaplan - Morgan Stanley Simon Clinch - Atlantic Equities Seth Weber - Wells Fargo Faiza Alwy - Deutsche Bank George Tong - Goldman Sachs Heather Balsky - Bank of America Surinder Thind - Jefferies Operator Greetings and welcome to the Equifax Third Quarter 2022 Earnings Conference Call.

Equifax Inc. (EFX) Q3 2022 Earnings Call Transcript

Equifax's (EFX) third-quarter 2022 revenues surge year over year. However, earnings decline.

Equifax (EFX) Beats on Q3 Earnings, Trims 2022 EPS Guidance

Equifax (EFX) delivered earnings and revenue surprises of 5.49% and 2.33%, respectively, for the quarter ended September 2022. Do the numbers hold clues to what lies ahead for the stock?

Equifax (EFX) Surpasses Q3 Earnings and Revenue Estimates

ATLANTA , Oct. 19, 2022 /PRNewswire/ -- Equifax® (NYSE: EFX) today announced financial results for the quarter ended September 30, 2022. Strong third quarter 2022 revenue of $1.244 billion, up 2% despite the weak mortgage market and negative impact of foreign exchange Strong non-mortgage constant dollar revenue growth of 20% offsetting mortgage market decline Workforce Solutions revenue growth of 9%, with non-mortgage revenue growth of 40% Strong new product innovation leveraging new EFX Cloud with a Vitality Index of 14% Closed the acquisitions of LawLogix, strengthening EWS I-9 Solutions, and Midigator, strengthening USIS Identity & Fraud Revising fourth quarter guidance to reflect expected impact of further decline in U.S. mortgage originations and the negative impact of foreign exchange.

Equifax Delivers Strong Third Quarter Revenue

Experian PLC

TransUnion

Rep. Jim Clyburn requested an investigation into the nation's top three credit reporting companies for failing to resolve consumer disputes.

TransUnion, Equifax, Experian may have violated credit reporting rules, Rep. Jim Clyburn says

Equifax fired at least 24 workers for having a second job, and it figured that out by using one of its own tools.

Equifax fired at least two dozen employees after it used its own tool to suss out if workers had a second job

Expanded Information Has Potential to Help Create Greater Home Ownership Opportunities For Millions of U.S. First Mortgage Applicants ATLANTA , Oct. 13, 2022 /PRNewswire/ -- Equifax® (NYSE: EFX) is the first to provide certain telecommunications (telco), pay TV and utilities attributes to the mortgage industry to help streamline the mortgage underwriting process and support loans within the secondary mortgage market. The majority of American adults have at least one utility bill in their name.

Equifax To Deliver Telecommunications and Utility Insights Alongside Mortgage Credit Reports

Equifax's (EFX) third-quarter earnings and revenues are likely to have plunged from the year-ago reported number.

Equifax (EFX) to Report Q3 Earnings: What's in the Offing?

MeridianLink

Integration with The Work Number® Extends Verifications to Additional MeridianLink Customers Including Credit Unions and Banks ATLANTA and COSTA MESA, Calif. , Oct. 12, 2022 /PRNewswire/ -- Equifax ®(NYSE: EFX) is expanding its integration of The Work Number®   with MeridianLink® (NYSE: MLNK) to now deliver instant verifications of employment and income to credit unions, banks and other lenders through the MeridianLink ®  Consumer Loan Origination System (LOS).

Equifax and MeridianLink Expand Relationship to Support Streamlined Digital Lending Experiences

Equifax (EFX) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Earnings Preview: Equifax (EFX) Q3 Earnings Expected to Decline

ATLANTA , Oct. 6, 2022 /PRNewswire/ -- Equifax ® (NYSE: EFX) will announce its financial results for the third quarter ended September 30, 2022 in a release to be issued on October 19 after the market closes. Equifax will host a conference call at 8:30 a.m.

Equifax Announces Earnings Release Date and Conference Call for Third Quarter 2022 Results

Innovative Dashboard for Equifax Customers Continues Company's Commitment to Furthering Transparency in Cybersecurity ATLANTA , Oct. 4, 2022 /PRNewswire/ --  Equifax ® (NYSE: EFX) today announced the introduction of CloudControl, a dashboard that brings greater transparency and improved security to digital supply chains for organizations using Equifax products and solutions. Developed to provide customers with real-time insights into the security posture of Equifax Cloud™-based products and services, CloudControl is part of the company's ongoing commitment to furthering transparency in cybersecurity.

Equifax Introduces CloudControl to Strengthen Digital Supply Chain Security for Company's Products and Services

Priority Manual Verifications Help Expedite the Research Process for Financial Services and Government Customers ATLANTA , Sept. 30, 2022 /PRNewswire/ -- Today,  Equifax ® (NYSE: EFX) announced enhancements to its manual verification of income (VOI) service from Equifax Workforce Solutions with Priority Next Day™ and Priority Two Day™ options, designed to help expedite the research process when information is not instantly available via The Work Number® database.

Equifax Announces New Expedited Options for Manual Verifications of Income

Debt, Delinquencies, and Insolvencies on the Rise Debt, Delinquencies, and Insolvencies on the Rise

Equifax Canada: Most small businesses want governments to do more to offset the rising cost of goods

New Global Business Services Center Site Supports Company's Global Operations and Leading Credit Data and Analytics Business in Costa Rica and Latin America; Strengthens Global Equifax Cloud™, Cybersecurity and Operational Innovation SAN JOSE, Costa Rica , Sept. 28, 2022 /PRNewswire/ -- Equifax® (NYSE:EFX) has expanded its international operations with a new Global Business Services (GBS) Center site in Torre Universal, San Jose which also supports the company's leading credit data and analytics business in Costa Rica and Latin America.

Equifax Expands Operations in Costa Rica

Appointment Underscores Equifax Commitment to Being a Force for Good in Cybersecurity ATLANTA , Sept. 27, 2022 /PRNewswire/ --  Equifax  (NYSE: EFX) today announced that Chief Information Security Officer Jamil Farshchi has been appointed as a Strategic Engagement Advisor to the Federal Bureau of Investigation (FBI).

Equifax Chief Information Security Officer Jamil Farshchi Appointed as a Strategic Engagement Advisor for the FBI

The U.S. Federal Trade Commission should investigate how data brokers including Equifax Inc and Experian Plc have amassed payroll records about most Americans, a small rival urged in a letter to the agency on Monday that was seen by Reuters.

FTC should probe payroll data deals by brokers like Equifax, rival says

Home buyers are faced with surging mortgage rates, nearing 7%. Equifax, often notoriously in the news, has significant operating exposure to the home lending review process.

Equifax: An Expensive Stock Exposed To A Weak Mortgage Market

Credit reporting agencies Equifax Inc. EFX, -2.49% , TransUnion and Dublin-based Experian PLC EXPGY, -2.45% EXPN, -0.58% said Friday that they will continue to offer free weekly credit reports to U.S. consumers through the end of 2023. "This benefit will help consumers manage their financial health during a period of rising inflation and unprecedented economic uncertainty coming out of the COVID-19 pandemic.

Equifax, TransUnion and Experian will keep offering free credit reports to U.S. consumers through next year

ATLANTA & COSTA MESA, Calif. & CHICAGO--(BUSINESS WIRE)--The three nationwide credit reporting agencies – Equifax® (NYSE:EFX), Experian (LON:EXPN) and TransUnion (NYSE:TRU) – are taking joint action to continue offering free weekly credit reports to consumers in the United States through the end of 2023. This benefit will help consumers manage their financial health during a period of rising inflation and unprecedented economic uncertainty coming out of the COVID-19 pandemic. The companies' CEO

News for Equifax Stock (EFX)