Equifax (EFX)
NYSE:EFX
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Earnings Data
Report Date
Jul 22, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
2.21Last Year’s EPS
2Same Quarter Last Year
Moderate Buy
Based on 18 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented strong operational and financial performance: double-digit revenue growth, meaningful EBITDA and EPS expansion, record product vitality, robust cash generation and active share repurchases/dividend increase. These positives were balanced against short-term macro and geopolitical uncertainty (Iran conflict) that pressured mortgage volumes late in the quarter, timing and budget headwinds in government contracts, WOTC expiration impact on Employer Services, and some USIS/diversified-market variability. Management remained conservative with full-year guidance but highlighted multiple secular growth levers (TWN indicators, EFX.AI, proprietary data, cloud) that support upside beyond the current guidance.Company Guidance
Strong Top-Line Growth
Reported revenue of $1.649B in Q1, up 14% year-over-year and $37M above the midpoint of February guidance; organic constant-currency revenue growth of 13% (200 bps above the February midpoint), and ex-FICO revenue growth ~10% (near the top of the 7%-10% long-term framework).
Robust Earnings and Margin Expansion
Q1 adjusted EBITDA of $477M, up 13% YoY; EBITDA margin excluding FICO of 31.2%, expanding 80 bps YoY and ~110 bps above the February midpoint; reported EBITDA margin 29%.
Material EPS Improvement
Reported EPS of $1.86 in Q1, up 22% year-over-year and $0.18 above the midpoint of February guidance.
Cash Generation and Capital Return
Returned $327M to shareholders in Q1 (including $260M for 1.3M share repurchases, ~1% of shares outstanding) and paid $67M in dividends; increased quarterly dividend 12% to $0.56; reaffirmed expectation of >$1B free cash flow and cash conversion >100% for 2026 with ~$1.5B capacity for M&A and shareholder returns.
Mortgage and USIS Outperformance
U.S. mortgage revenue outperformed, with EFX noting U.S. mortgage up 38% in Q1; USIS mortgage revenue up 60% (24% excluding FICO), driving significant contribution to overall growth and meaningful share gains in pre-approval/soft-pull products via TWN Indicator.
Workforce Solutions Momentum
Workforce Solutions revenue grew over 10% with Verifier up 14% and Talent Solutions nearly 10%; EWS mortgage revenue up 14%; Workforce Solutions EBITDA margin at 52.3%, up 200 bps YoY.
Proprietary Data and AI Progress
Vitality Index reached a record 17%; added 10 AI-based patents in Q1 (400 pending or granted AI-based patents total); 100% of new models/scores in 2025 built with EFX.AI; new AI products (Ignite AI adviser) and expansion of EFX.AI-driven offerings.
TWN Data Growth and Product Adoption
TWN active records 211M, up 11%; total current records 120M, up 9% (105M unique SSNs); TWN Indicator rolled out to mortgage, and launched for auto and personal loans to drive prequalification and share gains; TWN attributes offered at no cost in mortgage to accelerate adoption.
International and Diversified Markets Performance
International revenue up 4% in constant currency with EBITDA margin at 25% (up 80 bps YoY); diversified markets constant revenue dollar growth almost 6% in Q1 driven by Workforce Solutions execution.
Conservative but Improved FY Guidance (FX Benefit)
Maintained full-year 2026 guidance given macro uncertainty but increased reported revenue midpoint by $25M to $6.745B and adjusted EPS by $0.04 to $8.54 due to favorable FX (~90 bps benefit).
EFX Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
EFX Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 04, 2026 | $174.58 | $180.55 | +3.42% |
Oct 21, 2025 | $229.96 | $228.77 | -0.51% |
Jul 22, 2025 | $257.81 | $236.73 | -8.18% |
Apr 22, 2025 | $213.37 | $242.89 | +13.84% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Equifax (EFX) report earnings?
Equifax (EFX) is schdueled to report earning on Jul 22, 2026, After Close (Confirmed).
What is Equifax (EFX) earnings time?
Equifax (EFX) earnings time is at Jul 22, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is EFX EPS forecast?
EFX EPS forecast for the fiscal quarter 2026 (Q2) is 2.21.