EFX
Equifax·NYSE
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EFX fundamentals
Equifax (EFX) released its earnings on Feb 4, 2026: revenue was 1.55B (YoY +9.24%), beat estimates; EPS was 2.09 (YoY -1.42%), beat estimates.
Revenue / YoY
1.55B
+9.24%
EPS / YoY
2.09
-1.42%
Report date
Feb 4, 2026
EFX Earnings Call Summary for Q4,2025
- Record Growth: 2025 revenue up 7%, driven by EWS (6% growth, 51.5% EBITDA margin) and USIS (10% growth, 35.2% margin). Q4 revenue $1.55 billion (+9% YoY).
- AI-Driven Innovation: 15% New Product Vitality in 2025, with TWN Indicator adoption in mortgage and auto. 40 new AI patents enhance predictive models.
- Free Cash Flow Dominance: $1.13 billion free cash flow in 2025, with $927 million returned to shareholders. 2026 guidance includes >$1 billion free cash flow.
- Strategic Risks: FICO score pass-through reduces EBITDA margin by 200bps, but organic growth ex-FICO +7% supports 75bps margin expansion.
- VantageScore Opportunity: Full adoption could add $160 million EBITDA and +$1 EPS, offsetting FICO headwinds.
EPS
Actual | 1.4 | 1.6 | 1.87 | 2 | 1.97 | 1.98 | 1.85 | 1.84 | 2.22 | 2.09 | 1.73 | 1.52 | 1.43 | 1.71 | 1.76 | 1.81 | 1.5 | 1.82 | 1.85 | 2.12 | 1.53 | 2 | 2.04 | 2.09 | |||||||||||||
Forecast | 1.2885 | 1.2977 | 1.5982 | 1.8292 | 1.5221 | 1.7144 | 1.7287 | 1.8114 | 2.1509 | 2.0272 | 1.6262 | 1.4886 | 1.3653 | 1.6757 | 1.7764 | 1.7431 | 1.4434 | 1.7603 | 1.8459 | 2.0971 | 1.4054 | 1.9337 | 1.938 | 2.057 | |||||||||||||
Surprise | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | +8.65% | +23.30% | +17.01% | +9.34% | +29.43% | +15.49% | +7.02% | +1.58% | +3.21% | +3.10% | +6.38% | +2.11% | +4.74% | +2.05% | -0.92% | +3.84% | +3.92% | +3.39% | +0.22% | +1.09% | +8.87% | +3.43% | +5.26% | +1.60% |
Revenue
Actual | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 957.90M | 982.80M | 1.07B | 1.12B | 1.21B | 1.23B | 1.22B | 1.25B | 1.36B | 1.32B | 1.24B | 1.20B | 1.30B | 1.32B | 1.32B | 1.33B | 1.39B | 1.43B | 1.44B | 1.42B | 1.44B | 1.54B | 1.54B | 1.55B |
Forecast | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 911.70M | 922.55M | 1.00B | 1.08B | 1.12B | 1.16B | 1.18B | 1.25B | 1.33B | 1.32B | 1.22B | 1.18B | 1.28B | 1.33B | 1.33B | 1.31B | 1.40B | 1.43B | 1.44B | 1.44B | 1.42B | 1.51B | 1.53B | 1.53B |
Surprise | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | +5.07% | +6.53% | +6.36% | +3.25% | +8.00% | +6.28% | +3.42% | +0.33% | +2.32% | -0.02% | +2.38% | +1.11% | +1.51% | -0.56% | -0.70% | +1.06% | -0.75% | +0.37% | -0.14% | -1.43% | +1.82% | +1.55% | +1.30% | +1.34% |
Earnings Call
You can ask Aime
What does Equifax do and what are its main business segments?Did Equifax beat or miss consensus estimates last quarter?What were the key takeaways from Equifax's earnings call?What is the market's earnings forecast for Equifax next quarter?What guidance did Equifax's management provide for the next earnings period?What were the key takeaways from Equifax’s earnings call?What is Equifax's latest dividend and current dividend yield?What is the revenue and EPS growth rate for Equifax year over year?
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