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

Fiserv

Expanding Small and Medium Business Access to Award-Winning Services from Equifax Workforce Solutions ATLANTA , Sept. 20, 2022 /PRNewswire/ -- Today,  Equifax ® (NYSE: EFX) announced that small- and medium-sized businesses (SMB) using the Clover ® point-of-sale and business management system from Fiserv Inc. (Nasdaq: FISV) will have simplified access to award-winning I-9 Management services from Equifax.

Equifax Launches I-9 Management Solution in the Clover® App Market

Reemployment Solution Helps Separated Employees Get Back to Work More Quickly While Helping to Reduce Unemployment Costs for Employers ATLANTA , Sept. 13, 2022 /PRNewswire/ -- Today,  Equifax ® (NYSE: EFX) announced the launch of Reemployment Services to help separated employees get back to work more quickly and reduce unemployment costs for employers, helping alleviate stress for employees and employers alike.

Equifax Launches New Reemployment Services

FrontLobby and Equifax release findings that indicate Rent Reporting may benefit millions of Canadians over time FrontLobby and Equifax release findings that indicate Rent Reporting may benefit millions of Canadians over time

Equifax® Canada and FrontLobby Complete First Rental Tradeline Study

Secure Data Hub Provides Social Service Agencies, Lenders, Background Screeners and Employers With a Single Source for Obtaining the Insights Needed to Build Trust, Enable Safety, Verify Information and Assess Risk ATLANTA , Sept. 8, 2022 /PRNewswire/ -- Today, Equifax ® (NYSE: EFX) announced the launch of the TotalVerify™ data hub, a single source for obtaining the data insights that social service agencies, lenders, background screeners and employers leverage to build trust, enable safety, verify information and assess risk.

Equifax Launches TotalVerify™ Data Hub

Providing Greater Predictive Power for Precise Credit Risk Decisions Providing Greater Predictive Power for Precise Credit Risk Decisions

FICO® Score 10 based on Equifax® Data is Here

Equifax Canada Market Pulse Quarterly Credit Trends Report Equifax Canada Market Pulse Quarterly Credit Trends Report

Financial Stress Mounts, Credit Card Demand and Debt Rise

LawLogix expands Equifax's (EFX) portfolio of employer and HR-focused focused solutions.

Equifax (EFX) Announces Completion of LawLogix Acquisition

Acquisition Expands Equifax Workforce Solutions Business Unit and Bolsters Company's Robust Portfolio of Employer Solutions ATLANTA , Aug. 31, 2022  /PRNewswire/ --  Equifax ® (NYSE: EFX) announced today that it has completed the acquisition of LawLogix, a leading provider of cloud-based I-9 software and immigration case management software. The definitive agreement to acquire LawLogix was announced on July 21, 2022.

Equifax Completes Acquisition of LawLogix

Acquisition Further Expands Equifax Global Footprint in Digital Identity and Fraud Prevention Solutions ATLANTA , Aug. 26, 2022 /PRNewswire/ -- Equifax ® (NYSE: EFX) announced today that it has completed the acquisition of Midigator LLC , a provider of post-transaction fraud mitigation solutions. The definitive agreement to acquire Midigator was announced on July 26, 2022.

Equifax Completes Acquisition of Midigator

New Reverification Options Harness Automation to Support a Seamless Customer Experience ATLANTA , Aug. 24, 2022 /PRNewswire/ -- Today, Equifax ® (NYSE: EFX) announced new options for mortgage lenders leveraging its manual verifications of employment and income from Workforce Solutions, including new automated ordering of reverifications of employment (RVOE) and additional Priority Next Day™ and Priority Two Day™ options. By offering an RVOE with a verification of employment (VOE) or verification of income (VOI) solution, Equifax is helping lenders to satisfy government-sponsored enterprise (GSE) or internal reverification requirements while reducing friction in the lending process.

Equifax Announces Enhancements to its Manual Verification Offerings for Mortgage Lenders

Enhancements Designed to Provide a More Robust and Streamlined Solution for CRAs ATLANTA , Aug. 22, 2022 /PRNewswire/ --  Appriss Insights , an Equifax®  (NYSE: EFX) company, has launched enhancements to its CrimSmart™ and TraceSmart™ products, which are solutions designed to help background screening firms provide faster results and reduce dead-end investigations, shrink coverage gaps, and expand address history data used by background screeners. "CrimSmart and TraceSmart are changing how the background screening industry gathers and optimizes national-criminal and address history data," said Brian Matthews, Senior Vice President and General Manager of Appriss Insights, an Equifax company.

Appriss Insights, an Equifax Company, Launches Enhancements to Background Screening Tools CrimSmart™ and TraceSmart™

Equifax (EFX) reported earnings 30 days ago. What's next for the stock?

Why Is Equifax (EFX) Up 6.1% Since Last Earnings Report?

Three individuals have been charged with illegally tipping and trading in the securities of Equifax before its public announcement of a big cyber intrusion and data breach from 2017, the SEC reported.

SEC Charges 3 in Connection With 2017 Equifax Data Breach

The U.S. Securities and Exchange Commission said on Tuesday it had charged three individuals for illegally tipping and trading in the securities of Equifax Inc before the company announced it had experienced a massive data breach.

U.S. SEC charges 3 people with insider trading related to Equifax hack

U.K.-based DebtTech company Trustfolio has partnered with Equifax on a new open banking-powered feature designed to give debt advisers better access to bank transaction data. Trustfolio works on digital tools for creditors and wants to offer better debt solutions, according to an Aug. 5 press release.

Trustfolio, Equifax Partner on Open Banking Feature for Debt Advisers

Enerflex Ltd. (OTCPK:ENRFF) Q2 2022 Earnings Conference Call August 11, 2022 10:00 AM ET Company Participants Stefan Ali - Vice President, Strategy and Investor Relations Marc Rossiter - President and Chief Executive Officer Sanjay Bishnoi - Senior Vice President and Chief Financial Officer Ben Park - Vice President, Corporate Controller Conference Call Participants Tim Monachello - ATB Capital Markets Aaron MacNeil - TD Securities Andrew Bradford - Raymond James Michael Robertson - National Bank Financial John Gibson - BMO Nesbitt Burns Operator Good morning, ladies and gentlemen and welcome to Enerflex Second Quarter 2022 Earnings Conference Call.

Enerflex Ltd. (ENRFF) CEO Marc Rossiter on Q2 2022 Results - Earnings Call Transcript

Rep. Maxine Waters (D-Calif.) has said credit reporting firm Equifax and its leaders should be held accountable for selling erroneous credit scores to lenders, and should be prevented from selling reports until it proves problems were fixed and controls are in place.

Rep. Waters: Hold Equifax, Leadership Accountable for Erroneous Credit Scores

America's credit reporting system is broken. We saw the latest evidence of this last week, when news broke that Equifax sent lenders millions of incorrect credit scores, some of which were off by at least 25 points, for consumers applying for auto loans, mortgages and credit cards.

Opinion: It's not just Equifax. The whole credit reporting system needs an overhaul

Maxine Waters told the CFPB that it shouldn't let Equifax sell credit scores to lenders until it can prove it has the controls to ensure its scores are accurate.

House Committee Chairwoman Calls for CFPB to Take Action Against Equifax

Fair Isaac

TransUnion

Wells Fargo

Up your credit score to gain access to the lowest interest rates for a mortgage and other loans. The post How To Boost Your Credit Score And Save Thousands appeared first on Investor's Business Daily.

How To Boost Your Credit Score And Save Thousands

Some people applying for mortgages, auto loans and credit cards had their scores changed by 20 points or more.

Worried About Your Equifax Credit Score? What to Do

A Florida woman says she's paying roughly $150 extra each month on a car loan because Equifax's recently revealed coding error allegedly sunk her credit score — and now she's suing the credit reporting company to make it pay up.

Equifax's credit score errors added $154 to Florida woman's monthly car loan payment, lawsuit alleges

CNN's Rahel Solomon explains how would-be borrowers can find out if an incorrect Equifax credit score error affected them and what to do to fix it.

How to find out if the Equifax credit score error affected you

Credit giant Equifax sent lenders incorrect credit scores for millions of consumers this spring, in a technology snafu with major real-world impact.

Equifax issued the wrong credit scores to millions of consumers

The discrepancies were enough to keep some consumers from getting approved for loans, reports The Wall Street Journal.

News for Equifax Stock (EFX)