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Equifax (EFX)
NYSE:EFX
Earnings Data
Report Date
Apr 22, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
1.69Last Year’s EPS
1.53Same Quarter Last Year
Moderate Buy
Based on 15 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call emphasized strong execution, product innovation (notably AI and Twin data), robust free cash flow and capital returns, and clear 2026 guidance while transparently addressing distortions from FICO mortgage pass-throughs and pockets of market weakness (U.S. mortgage, hiring, and certain international markets). Management positioned results ex-FICO to clarify underlying operating performance and outlined multiple growth levers (EWS government opportunities, Twin Indicator adoption, efx.ai-enabled products). The positives (record cash conversion, high vitality, AI-driven lift, solid unit-level growth and margins, shareholder returns) materially outweigh the headwinds (mortgage market weakness, FICO pass-through margin distortion, international softness, one-time settlement).Company Guidance
Strong Full-Year Financial Results
Full-year 2025 revenue of $6.075 billion, adjusted EPS of $7.65, and strong free cash flow (~$1.1B–$1.13B reported across slides) with record cash conversion of ~120% (well above the 95% long-term framework).
Robust Q4 Performance
Q4 2025 revenue of $1.551 billion, up 9% year-over-year and $30 million above the midpoint of October guidance; Q4 adjusted EPS of $2.09 (above guidance midpoint); Q4 EBITDA $508 million with 32.8% margin.
Record New-Product Momentum (Vitality)
Equifax delivered a record 15% new-product vitality for 2025 (17% in Q4) equating to roughly $900 million of NPI revenue for the year and sustained double-digit NPI rollout momentum expected to continue in 2026.
AI and Cloud Adoption Driving Product and Operational Gains
efx.ai-powered models (all new models in 2025) delivered ~30% lift vs legacy models; over 400 AI patents (40 added in 2025); ~90% of team using Google Gemini; Angetic AI and Ignite platforms accelerating product development and expected operational cost savings (~$75M annual run-rate targeted over next 3 years).
Workforce Solutions (EWS) Outperformance
EWS grew ~6% for the year with Q4 growth at 9%; verification services +8% for the year and >10% in Q4; EWS EBITDA margins ~51% (51.5% annual noted; 51.3% in Q4); Twin active records >200 million (up 11%) and >800 million total records — significant data scale and record additions (~20M records added in 2025).
USIS Strength, Especially in Mortgage
USIS delivered ~10% revenue growth for the year with expanded margins (+70 bps to ~35.2%); Q4 USIS revenue +12% with mortgage revenue up ~33% in Q4 (driven by pricing and product innovations, including Twin Indicator and FICO price effects).
Strong Capital Return & Balance Sheet Execution
Returned $1.2 billion to shareholders in 2025 (repurchases ~$927M and dividends $233M), repurchased >4 million shares (including $500M / 2.3M shares in Q4); guidance for 2026 free cash flow >$1.0B and at least 100% cash conversion with ~$1.5B capital capacity for M&A and buybacks.
Clear 2026 Financial Guidance with Ex-FICO Transparency
2026 midpoint guidance: revenue +10.6% reported (+10% constant currency); ex-FICO revenue growth ~7% (within long-term 7%-10% framework); EBITDA ~$2.12B (up ~10%); EPS midpoint $8.50 (+11% vs 2025); management committed to reporting with and without FICO mortgage pass-through effects for clarity.
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 | $175.05 | $181.04 | +3.42% |
Oct 21, 2025 | $230.58 | $229.39 | -0.51% |
Jul 22, 2025 | $258.51 | $237.37 | -8.18% |
Apr 22, 2025 | $213.94 | $243.55 | +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 Apr 22, 2026, After Close (Confirmed).
What is Equifax (EFX) earnings time?
Equifax (EFX) earnings time is at Apr 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 (Q1) is 1.69.