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

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

Equifax Gave Millions of US Loan Seekers Inaccurate Credit Scores, Report Says

Equifax Inc. disclosed that it was giving its chief executive $25 million in a “special” stock award Tuesday, just hours after a report detailed inaccurate credit reports the company sent to consumers.

Equifax reveals $25 million stock award to CEO hours after report of inaccurate credit scores

Equifax Inc. EFX, -2.12% provided inaccurate credit scores on millions of U.S. consumers seeking loans during a three-week period earlier this year, according to bank executives and others familiar with the errors.

Equifax sent lenders inaccurate credit scores on millions of U.S. consumers

Equifax provided inaccurate credit scores for millions of Americans seeking loans over a three-week period in the spring, The Wall Street Journal (WSJ) reported Tuesday (Aug. 2).

Equifax Sent Wrong Credit Scores to Lenders, Report Says

Equifax provided lenders incorrect credit scores for millions of Americans seeking auto loans, mortgages, and credit cards earlier this year.

Equifax reportedly gave faulty credit scores that led to higher rates and denied loan applications

During a three-week period this year, the credit reporting company sent faulty scores to lenders big and small, resulting in higher interest rates and denied applications.

Equifax Sent Lenders Inaccurate Credit Scores on Millions of Consumers

Acquisition to Further Equifax Global Footprint in Digital Identity and Fraud Prevention Solutions Acquisition to Further Equifax Global Footprint in Digital Identity and Fraud Prevention Solutions

Equifax Announces Definitive Agreement to Acquire Midigator

Equifax Inc. (NYSE:EFX ) Q2 2022 Earnings Conference Call July 21, 2022 8:30 AM ET Company Participants Trevor Burns - Head, IR Mark Begor - CEO John Gamble - Corporate VP and CFO Conference Call Participants Manav Patnaik - Barclays Andrew Steinerman - JPMorgan Kevin McVeigh - Credit Suisse Toni Kaplan - Morgan Stanley Ashish Sabadra - RBC Capital Markets Kyle Peterson - Needham & Company Andrew Jeffrey - Truist Securities Andrew Nicholas - William Blair Shlomo Rosenbaum - Stifel Craig Huber - Huber Research Partners Simon Clinch - Atlantic Equities Seth Weber - Wells Fargo Securities Heather Balsky - Bank of America George Tong - Goldman Sachs Jeff Meuler - Baird Faiza Alwy - Deutsche Bank Operator Hello and welcome to the Equifax Q2 2022 Earnings Conference Call. At this time, all participants are in a listen-only mode.

Equifax Inc. (EFX) CEO Mark Begor on Q2 2022 Results Earnings Call Transcript

Equifax's (EFX) second-quarter 2022 earnings and revenues increase year over year.

Equifax (EFX) Beats on Q2 Earnings, Trims 2022 Guidance

Acquisition of I-9 and Immigration Case Management Software Provider to Further Expand Equifax Workforce Solutions Business ATLANTA , July 21, 2022 /PRNewswire/ -- Equifax ® (NYSE: EFX) announced today that it has signed a definitive agreement to acquire LawLogix, a leading provider of cloud-based I-9 software and immigration case management software, from Hyland. This acquisition will enable Equifax's largest and fastest-growing business, Workforce Solutions, to support employers and law firms with an even more comprehensive set of services as they manage amidst today's complex and rapidly changing employment and regulatory landscape.

Equifax to Acquire LawLogix

Equifax (EFX) delivered earnings and revenue surprises of 2.96% and 0.12%, respectively, for the quarter ended June 2022. Do the numbers hold clues to what lies ahead for the stock?

Equifax (EFX) Q2 Earnings Surpass Estimates

ATLANTA , July 20, 2022 /PRNewswire/ -- Equifax ® (NYSE: EFX) today announced financial results for the quarter ended June 30, 2022. Strong second quarter 2022 revenue of $1.317 billion, up 7% despite the weakening mortgage market and negative impact of foreign exchange Workforce Solutions revenue growth of 21%; thirteen consecutive quarters of double-digit revenue growth Strong new product innovation leveraging new EFX Cloud with Vitality Index over 13% Revising Full Year Guidance reflecting expected further decline in U.S. mortgage market and negative impact of foreign exchange "We delivered solid results with record second quarter revenue of $1.317 billion, up 7% despite the 33% decline in the U.S. mortgage market and greater than expected negative impact of foreign exchange.

Equifax Delivers Record Second Quarter Revenue

Revenue growth, technology transformation and a wide range of industries boost Equifax (EFX). Meanwhile, low liquidity is a headwind.

Here's Why You Must Retain Equifax (EFX) Stock for Now

ATLANTA , July 7, 2022 /PRNewswire/ -- Equifax ® (NYSE: EFX) will announce its financial results for the second quarter ended June 30, 2022 in a release to be issued on July 20 after the market closes. Equifax will host a conference call at 8:30 a.m.

Equifax Announces Earnings Release Date and Conference Call for Second Quarter 2022 Results

Equifax Accelerate Applications Now Open to U.S. Software Developers Looking to Create Transformative Solutions With Powerful Suite of Equifax Cloud™ Enabled APIs ATLANTA , July 7, 2022 /PRNewswire/ -- Today, Equifax ® (NYSE: EFX) announced that applications are open for its second annual developer challenge and accelerator program in partnership with 1871 , a Chicago-based business incubator that supports early stage tech start-ups, growth stage tech leaders and corporate innovators. Following the success of the inaugural Equifax Accelerate  in 2021, Equifax is continuing the program to challenge U.S.-based software developers to create transformative solutions designed to foster financial inclusion and improve access to services with the powerful suite of Equifax Cloud™-enabled Application Programming Interfaces (APIs).

Equifax Launches Second Annual Developer Challenge and Accelerator Program

ATLANTA , June 16, 2022 /PRNewswire/ -- Equifax® (NYSE: EFX) has been recognized with the Google Cloud Customer Award for Diversity, Equity and Inclusion. The company also received the Google Cloud Customer Award for Financial Services for the second consecutive year.

Equifax Wins Google Cloud Customer Awards in Diversity, Equity, and Inclusion and Financial Services

Latest Addition to the Workforce Solutions Employee-Driven Product Suite Helps HR Streamline Forms Management Throughout the Entire Employee Lifecycle ATLANTA , June 13, 2022 /PRNewswire/ -- Today, Equifax ® (NYSE: EFX) announced a new, first-to-market Offboarding Forms solution to help employers further streamline forms management throughout the entire employee lifecycle. Building on the Workforce Solutions Compliance Center™ platform, Offboarding Forms helps employers and HR professionals better manage the delivery of offboarding forms, including state-mandated separation notices, to terminated remote, in-office or hybrid employees across the United States.

Equifax Launches First-to-Market Offboarding Forms Solution

Harald Schneider to Drive Global Data & Analytics Innovation ATLANTA , June 9, 2022 /PRNewswire/ -- Equifax ® (NYSE: EFX) today announced the appointment of Harald Schneider as Chief Data & Analytics Officer. In this role, Schneider will lead the company's global Data & Analytics team and champion global data innovation, maximizing the benefits of Equifax differentiated data assets, leading analytics capabilities and single data fabric within the Equifax Cloud™ to drive new products and growth.

Equifax Announces New Chief Data & Analytics Officer

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

Credit Card Spending Ramps Up as Inflation Soars

Danaher

Morgan Stanley

NIKE

Otis Worldwide

The MS Global Franchise Portfolio (Trades, Portfolio), part of Morgan Stanley's ( MS , Financial) mutual funds, disclosed in a regulatory filing that its top five buys during the first quarter included new positions in Otis Worldwide Corp. ( OTIS , Financial) and Equifax Inc. ( EFX , Financial) and boosts to its holdings in Nike Inc. ( NKE , Financial), LVMH Moet Hennessy Louis Vuitton SE ( XPAR:MC , Financial) and Danaher Corp. ( DHR , Financial).

MS Global Franchise Portfolio's Top 5 1st-Quarter Buys

Organization Grows Operations in United Kingdom; Makes Award-Winning Digital Identity Trust and Fraud Prevention Solutions Available in Latin America and Australia BOISE, Idaho , May 25, 2022 /PRNewswire/ -- Kount, an Equifax ® (NYSE: EFX) company, is expanding its international presence. The organization, which already helps to protect more than 9,000 businesses worldwide, is growing its operations in the United Kingdom and expanding the availability of its award-winning digital identity trust and fraud prevention solutions in Australia, Argentina, Chile and Peru.

Kount, an Equifax Company, Expands International Presence

Focus on new data sources and advanced analytics to benefit lenders and consumers requiring credit Focus on new data sources and advanced analytics to benefit lenders and consumers requiring credit

Equifax® Canada Welcomes Sandy Kyriakatos as Chief Data Officer

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

Equifax (EFX) Down 5.8% Since Last Earnings Report: Can It Rebound?

Product Suite from Workforce Solutions Simplifies Forms Management to Improve Employee Experience ATLANTA , May 12, 2022 /PRNewswire/ -- Today, Equifax ® (NYSE: EFX) announced enhancements to its employee-driven product suite with the expansion of its State Forms solution. The enhanced solution delivers simplified forms management to help U.S. employers meet state employee form requirements, including required annual notices.

Equifax Expands State Forms Solution

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JPMorgan Chase & Co

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