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

Baird analyst Jeffrey Meuler upgraded Equifax Inc. (NYSE:EFX) to Outperform from Neutral and lowered the price target to $281 (an upside of 25%), from $290. The analyst cites the company's "exceptional" employment/income verification business, a "very good business" as one of three global credit bureaus and its modernized tech stack.

Baird Upgrades Equifax, Views Current Valuation As 'Attractive'

ATLANTA, Jan. 21, 2022 /PRNewswire/ -- Equifax® (NYSE: EFX) and the Georgia Institute of Technology ("Georgia Tech") have announced a new research partnership designed to develop new ways to reach underserved, underbanked and credit-rebuilding consumers. As part of this relationship, the Financial Services Innovation Lab at Georgia Tech will leverage anonymized Equifax data assets to further its innovative research designed to increase consumer access to credit and Equifax data scientists will provide hands-on data education to speed research time.

Equifax and Georgia Tech Announce Financial Inclusion Research Partnership

Equifax looks set to sustain its recent momentum, unveiling some promising new medium to longer-term targets at its investor day.

Equifax: Investor Day Outlines The Next Phase Of Value Creation

ATLANTA, Jan. 6, 2022 /PRNewswire/ --  Equifax®  (NYSE: EFX) today announced additional service enhancements to its comprehensive portfolio of verification solutions available to the mortgage industry. These new options are powered by The Work Number®, the industry-leading, centralized commercial repository of income and employment information in the United States.

Equifax Enhances Mortgage Verification Solutions Available Through The Work NumberⓇ

Nielsen Hlds

Morgan Stanley analyst Toni Kaplan upgraded Equifax Inc. (NYSE:EFX) to Overweight from Equal Weight and raised the price target to $325 (an upside of 14%) from $264. The analyst expects Equifax's organic revenue growth to exceed most Information Services companies from 2022-2024, driven primarily by the company's Workforce Solutions segment.

Read Morgan Stanley' Stance On Equifax, Nielsen

Equifax announced that buy now, pay later payments will be added to credit reports in early 2022. That could help some consumers, but others should be careful.

Equifax is adding buy now, pay later payments to credit reports. Here's how it could affect your score

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U.K. FinTech for businesses Cashplus Bank is rolling out a Business Creditbuilder tool in partnership with Equifax to help small- to medium-sized businesses (SMBs) increase accessibility to credit, according to a press release on Thursday (Dec. 16). The new tool is aimed at increasing lending access to the 65% of new U.K. businesses who are […]

Cashplus Bank Teams with Equifax to Launch UK Business Creditbuilder

Equifax Inc (NYSE: EFX) will be making 'Buy Now, Pay Later' (BNPL) payment information part of consumer credit reports. The company has created the policy for acceptance of BNPL tradelines in consumer credit files through Consumer Data Industry Association (CDIA) Metro 2 guidelines.

Equifax To Include 'Buy Now, Pay Later' Payment Information In Consumer Credit Reports

ATLANTA, Dec. 20, 2021 /PRNewswire/ --  Equifax ® (NYSE: EFX) is furthering its commitment to expand access to credit by making 'Buy Now, Pay Later' (BNPL) payment information part of credit reports, as identified by a new business industry code. The company has created the industry's first policy for acceptance of BNPL tradelines in consumer credit files via Consumer Data Industry Association (CDIA) Metro 2® guidelines.

Equifax First to Formalize Inclusion of 'Buy Now, Pay Later' Payment Information in Consumer Credit Reports

Credit reporting agency Equifax is putting a plan in place next year to add buy now, pay later (BNPL) plans to credit reports, which hasn't always happened before, The Wall Street Journal (WSJ) reported. The plan will give lenders a better picture of peoples' financial commitments, including how much they owe on these plans, according […]

Equifax to Include BNPL Plans in Credit Reports

SANTA ROSA, Calif. and ATLANTA, Dec. 16, 2021 /PRNewswire/ --  CuneXus  and Equifax (NYSE: EFX) today have teamed up to offer CuneXus credit union customers a better view of their members' financial wellness and help ensure they are receiving the most relevant offers in a timely and effective manner.

CuneXus and Equifax Team Up to Offer Lenders Premium Financial Support

Equifax has launched a tool designed to allow faster, more secure and cheaper business-to-business transactions. OnboardConnect, announced on Monday (Dec. 13), uses data sources and analytics for near-real-time business verification, fraud and anti-money laundering (AML) checks, credit risk checks and tax identification number checks.

Equifax Unveils B2B Transaction Tool OnboardConnect

ATLANTA, Dec. 13, 2021 /PRNewswire/ -- Equifax® (NYSE: EFX) today introduced a new solution designed to help business-to-business transactions occur faster, with a higher degree of certainty and at a lower cost. The new OnboardConnect solution combines differentiated data sources and analytics that 'Only Equifax' can provide to enable near real-time business verification, fraud checks, tax identification number checks, anti-money laundering and credit risk checks.

Equifax Introduces OnboardConnect to Streamline Business Transactions

TORONTO, Dec. 09, 2021 (GLOBE NEWSWIRE) -- Heading into the New Year, increasingly more Canadians are starting their own business according to Equifax Canada's Q3 Small Business Credit Trends Report. While the number of new financially active businesses isn't quite as high as it was prior to the pandemic, a 40 per cent increase nationally is being stoked by Alberta and Atlantic Canada.

Small Business Revival is Underway, While Demand for Credit Remains Low

Cyber insurer BOXX Insurance is teaming up with Equifax to offer $1 million in identity theft protection coverage as holiday shopping gears up for record eCommerce sales, according to a press release on Tuesday (Dec. 7). Spending this holiday season is forecasted to grow between 8.5% to 10.5% compared to 2020, with online shopping anticipated […]

BOXX Insurance Teams With Equifax for Identity Theft Protection

BOXX Insurance, a Toronto-based cyber insurer, has partnered with  Equifax Inc. (NYSE: EFX) to launch $1 million Identity Theft Protection coverage amidst growing cyber safety concerns. The holiday season spends to grow between 8.5% -10.5% year-over-year, and e-commerce spends expected over $218 billion, spiking new concerns about cyber security.

BOXX Insurance Partners With Equifax To Launch $1M ID Theft Coverage

ATLANTA, Dec. 6, 2021 /PRNewswire/ -- The 2021 Equifax (NYSE: EFX) Accelerate program, launched in June , challenged U.S.-based start-up and early stage software developers to create transformative solutions designed to foster financial inclusion and improve access to services with the powerful suite of Application Programming Interfaces (APIs) available from the Equifax for Developers API Portal. The program concluded this week with 10 finalists representing a variety of industries, including estate administration, financial planning, lending, fintech, recruiting, digital identity, payments and climate banking participating in a final product showcase.

Equifax Announces 2021 Developer Challenge and Accelerator Program Finalists

TORONTO, Nov. 30, 2021 (GLOBE NEWSWIRE) -- Whether it's pent-up consumer demand, lifting of travel restrictions or higher disposable incomes, Canadians are giving their credit cards a workout heading into the holidays according to Equifax Canada's most recent consumer credit trends and insights report. The average monthly credit card spend per credit card holder is up by 3.9 per cent this quarter when compared to the pre-pandemic period of Q3 2019, which is mostly driven by younger consumers under the age of 35.

Total Consumer Debt Climbs to $2.2 Trillion with Credit Card Spending Up

A diversified client base, product innovation and acquisitions bode well for Equifax (EFX).

Equifax (EFX) Benefits From Buyouts and Innovation, Debt Ails

Younger Adults Plan to Spend Significantly More Younger Adults Plan to Spend Significantly More

Retail Therapy on Most Holiday Shopping Lists: Credit Card Spending is Trending Up

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

Why Is Equifax (EFX) Up 13.2% Since Last Earnings Report?

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ADS or EFX: Which Is the Better Value Stock Right Now?

RBC Capital analyst Ashish Sabadra raised the price target on Equifax Inc. (NYSE:EFX) to $294 (an upside of 7%) from $270 and maintained a Sector Perform rating on the shares. Sabadra cites the company's long-term financial framework outlook and believes that the cloud transformation could yield a "sustainable" top-line growth in the projected 8%-12% range.

RBC Capital, Morgan Stanley Bump Up Equifax Price Target

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Brian Yacktman, our upcoming Value Investing Live guest, is the president and chief investment officer of YCG LLC, which he founded in 2007 in Austin, Texas. YCG is an active management firm that has seen assets grow from $1 million to nearly $1.3 billion as of Sept.

News for Equifax Stock (EFX)