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

Equifax's (EFX) top line is showing a decent growth rate over the past few years. A debt-laden balance sheet remains a concern.

Here's Why You Should Hold on to Equifax (EFX) Stock For Now

Callaway Golf

Leslie's

Synchrony Financial

The Wall Street firms that we cover are starting to agree that, while the future may still be bright for the U.S.

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Equifax will offer Spanish translated credit reports to consumers online and through the mail, the credit reporting company said.

Equifax will now offer credit reports in Spanish

ATLANTA, Sept. 13, 2021 /PRNewswire/ -- Today, Equifax    (NYSE: EFX) is introducing a free, translated credit report in Spanish to serve the more than 62 million Spanish-speaking consumers in the U.S. Equifax is the first and only credit bureau to provide a Spanish translated credit report online and by mail.

Equifax First to Launch Online Credit Report Translated in Español

ATLANTA, Sept. 7, 2021 /PRNewswire/ -- Equifax ® (NYSE: EFX) announced today that it has completed the acquisition of Teletrack®, a U.S. leader in alternative credit data, from CoreLogic®.

Equifax Completes Acquisition of Teletrack® from CoreLogic®

ATLANTA, Sept. 2, 2021 /PRNewswire/ -- COVID-19 spurred changes in consumer migration patterns and housing preferences that have led to significant changes in multi-family property demand.

Equifax Addresses Increased Rental Demand With New Solutions for the Multi-Family Property Industry

Green Dot

Despite a faster share price rally so far this year, Equifax (EFX) has a lower valuation compared with Green Dot (GDOT).

EFX or GDOT: The Financial Transaction Services Stock to Buy

Continued inflation rises could impact debt levels and insolvencies Continued inflation rises could impact debt levels and insolvencies

Record Mortgage Volumes Push Total Consumer Debt to $2.15 Trillion

First American Financial

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Equifax (EFX) serves a wide range of industries and has a diversified client base.

Equifax (EFX) Up on Buyouts and Innovation, Debt Woe Stays

BOISE, Idaho, Aug. 23, 2021 /PRNewswire/ -- Kount, an Equifax Company, the leader in digital identity trust and fraud prevention, has published the first of its kind "Digital Payments in 2021: Opportunities and Chargeback Risks" survey. The survey takes a deep dive into 2021 chargeback trends and risks across customer experiences, both pre and post payment authorization.

New Digital Payments in 2021: Opportunities and Chargeback Risks Survey from Kount, an Equifax Company, Reveals Payment Opportunities and Risks for Merchants

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

Why Is Equifax (EFX) Up 3.6% Since Last Earnings Report?

ATLANTA, Aug. 18, 2021 /PRNewswire/ --  Equifax (NYSE: EFX) announced an exclusive integration with National Student Clearinghouse® (Clearinghouse) as part of its strategic expansion of pre-employment verification offerings. The education dataset further enhances the verifications data hub being created by Equifax Workforce Solutions to help serve the fast-growing employee onboarding space.

Equifax Workforce Solutions Set to Enhance its Pre-Employment Verification Service with new Talent Report Education

Snowflake

Equifax Inc. (NYSE: EFX) has partnered with Snowflake to make select differentiated data assets rapidly and securely available through Snowflake Data Marketplace. Snowflake Data Marketplace offers a frictionless data sharing experience with no data transfer or integration requirements, enabling data scientists, business intelligence, and analytics professionals access to live and ready-to-query data from Equifax for smarter decision making.

Equifax Inks Partnership With Snowflake To Make Differentiated Data Available

ATLANTA, Aug. 16, 2021 /PRNewswire/ --  Equifax (NYSE: EFX) has partnered with Snowflake to make select differentiated data assets rapidly and securely available through Snowflake Data Marketplace. Snowflake Data Marketplace offers a frictionless data sharing experience with no data transfer or integration requirements, enabling data scientists, business intelligence and analytics professionals access to live and ready-to-query data from Equifax for smarter decision making.

Equifax Partners with Snowflake to Make Differentiated Data Available Through Snowflake Data Marketplace

ATLANTA, Aug. 16, 2021 /PRNewswire/ --  Equifax  (NYSE: EFX) is offering select differentiated data assets through AWS Data Exchange, an Amazon Web Services (AWS)  service that makes it easy to find, subscribe to and use third-party data in the cloud. This relationship builds on the Equifax Cloud™ strategy and makes anonymized Equifax Analytic Dataset™ consumer and loan-level credit data, U.S. Consumer Credit Trends macro-level information, B2bConnect™ commercial marketing data, IXI™ economic data, and unique property and housing data quickly and easily available to business customers for improved decision intelligence.

Equifax Brings Differentiated Data to AWS Data Exchange

Equifax has been a secular growth play sitting on a huge valuable database.

Equifax: Valuations Have Re-Rated By Much

Equifax Inc. (NYSE: EFX) has agreed to acquire Appriss Insights, a portfolio company of Clearlake Capital Group, L.P., and Insight Partners, that provides data used in public and workplace safety, law enforcement, fraud detection and prevention, and healthcare credentialing for $1.825 billion.

Equifax To Acquire Appriss Insights For ~$1.83B

Equifax Inc. EFX, -0.23% said Tuesday it has signed an agreement to acquire Appriss Insights, a provider of risk and criminal justice intelligence, for $1.825 billion. The data, analytics and technology company said it will receive a tax benefit with a net present value of about $360 million in conjunction with the deal which is expected to close in the second half.

Equifax to acquire Appriss Insights for $1.825 billion

ATLANTA, Aug. 10, 2021 /PRNewswire/ -- Equifax® (NYSE: EFX) a global data, analytics and technology company has signed a definitive agreement to acquire Appriss Insights, a trusted and comprehensive source of risk and criminal justice intelligence, for $1.825 billion. In conjunction with the acquisition, Equifax will receive a tax benefit with a net present value at time of purchase of approximately $360 million.

Equifax Announces Definitive Agreement to Acquire Appriss Insights

Equifax has announced a new agreement to acquire Health e(fx), which a press release says will be allowing more automation for HR teams, and reducing services, a press release says. With the acquisition, friction in HR teams will reportedly go down.

Equifax To Buy Health e(fx) To Bolster Its HR Solutions

ATLANTA, Aug. 7, 2021 /PRNewswire/ --  Equifax ® (NYSE: EFX) announced today that it has signed a definitive agreement to acquire Health e(fx)Ⓡ, a leading and experienced provider of Affordable Care Act (ACA) services. As the level of workforce management complexity increases for employers nationwide, businesses require robust services to help automate and reduce process friction within their HR teams.

Equifax Announces Definitive Agreement to Acquire Health e(fx)

ATLANTA, July 27, 2021 /PRNewswire/ --  Equifax® (NYSE: EFX) a global data, analytics and technology company today announced that the company has signed a definitive agreement to acquire Teletrack®, a U.S. leader in alternative credit data, from CoreLogic®. The combination of Teletrack with the Equifax DataX business creates a leading U.S. specialty consumer reporting agency, with data on more than 80 million thin-file, unbanked, underbanked and credit rebuilding consumers.

Equifax to Acquire CoreLogic® Teletrack®

Equifax Inc.'s (EFX) CEO Mark Begor on Q2 2021 Results - Earnings Call Transcript

Equifax's (EFX) second-quarter 2021 earnings and revenues increase year over year.

News for Equifax Stock (EFX)