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

Amazon

Alphabet

Crown Hlds

Delta Air Lines

D.R. Horton

Healthcare Services Group

Mohawk Industries

Tom Gayner (Trades, Portfolio), the co-CEO of  Markel Gayner Asset Management, bought shares of the following stocks in both the second and third quarters.

Tom Gayner Continues to Buy Alphabet, Amazon and more

– Equifax survey suggests it’s because they’re already carrying too much debt – – Equifax survey suggests it’s because they’re already carrying too much debt –

More Canadians Planning to Spend Less this Holiday Season

Equifax, Inc. (EFX) CEO Mark Begor on Q3 2019 Results - Earnings Call Transcript

Equifax (EFX) third-quarter 2019 earnings and revenues increase year over year.

Equifax (EFX) Beats Q3 Earnings Estimates, Cuts '19 EPS View

Equifax (EFX) third-quarter 2019 revenues are likely to have benefited from strength across each of its segments - USIS, International, Global Consumer Solutions and Workforce Solutions.

Is a Beat in the Cards for Equifax (EFX) in Q3 Earnings?

Alliance Data Systems

Fiserv

We zero in on four payments stocks poised to beat third-quarter estimates, banking on solid fundamentals.

4 Payments Stocks Poised to Surpass Q3 Earnings Estimates

Equifax (EFX) aims to accelerate "speed to yes" for mortgage brokers and consumers.

Equifax & M3 Group Team Up for Mortgage Income Verification

Industry-changing initiative set to transform the mortgage income verification process in Canada Industry-changing initiative set to transform the mortgage income verification process in Canada

Equifax® Canada and M3 Group Help Accelerate “Speed to Yes” for Canadian Homebuyers

The move is an attempt by Equifax (EFX) to strengthen and expand its offerings by utilizing its strong position in data analytics, credit, identity and income verification.

Equifax & Alchemy Technology Team Up for FinTech Innovation

TORONTO, Sept.  17, 2019  (GLOBE NEWSWIRE) -- Equifax® Canada’s report on Canadian consumer credit in Q2 shows some cooling after a very active Q1 performance. Total debt per consumer rose by 1.9 per cent to $71,970 at the end of the second quarter in 2019. That comes after a robust 2.6 per cent growth in average debt in the first quarter.

Canadian consumers catch their collective breath - Some concerning signals from Q1 dissipate -

Over the last several days, consumers who signed up to receive the money instead of free credit monitoring must confirm that they are entitled to the monetary compensation.

Equifax adds extra step to claim $125 damage award

Honesty remains the best policy when purchasing a home Honesty remains the best policy when purchasing a home

Equifax Asks: Would you Fib on a Mortgage Application?

L’honnêteté reste la meilleure politique lors de l’achat d’une maison L’honnêteté reste la meilleure politique lors de l’achat d’une maison

Equifax demande : Souhaitez-vous mentir sur une demande de prêt hypothécaire?

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

Why Is Equifax (EFX) Up 4.6% Since Last Earnings Report?

FleetCor Technologies

Although a faster share price rally on a year-to-date basis leads to a rich valuation for both stocks compared with the benchmark index, Equifax (EFX) is cheaper than FLEETCOR (FLT).

FLT or EFX: Which Financial Services Firm is Better Placed?

Choice Hotels Int.

Comcast

Tom Gayner (Trades, Portfolio), co-CEO of Markel Corp., bought shares of the following stocks in both the first and second quarters.

6 Stocks Tom Gayner Continues to Buy

At Black Hat, Equifax's chief information security officer discussed how companies need to work together on cybersecurity to win back public confidence.

Equifax's push to regain public trust calls for companies to work together

It seems like the bad news is behind Equifax, making EFX stock an attractive buy on any upcoming dips. Here's everything you should know.

With the Bad News Behind Equifax, EFX Stock Is Becoming a Buy Again

Consumers rushing to collect $125 (£103) in compensation from Equifax after a major data breach could be disappointed, US regulators have warned.

Fund to compensate Equifax data breach victims set to run out

Millions of people have been signing up to receive what they think is a $125 cash reimbursement from Equifax for its criminal mishandling and exposure of their personal and financial data. But the FTC warns that you may see only a small fraction of that, if any, because of the way the $575 million settlement with the company actually breaks down.

You won’t see that $125 from Equifax, so don’t bother claiming it, says FTC

Victims of Equifax’s 2017 data breach will get nowhere near the $125 each that was originally promised — with regulators admitting on Wednesday that they haven’t set aside enough cash to meet an “overwhelming” response. Some 4.5 million people have visited the Federal Trade Commission’s website since the agency last week announced a $700 million.

Equifax victims unlikely to get $125 due to ‘overwhelming’ response

"Because the amount of money set aside for the cash payment option is capped at $31 million, consumers who select that option may not receive the $125 they had expected," noted the FTC.

FTC: Equifax might run out of cash, so please take the credit monitoring

The Federal Trade Commission on Tuesday cautioned consumers about websites masquerading as an official Equifax website.

FTC warns about fake Equifax sites popping up after company agreed to $700M payout

Capital One

Another day, another massive data breach. This time it’s the financial giant and credit card issuer Capital One, which revealed on Monday a credit file breach affecting 100 million Americans and 6 million Canadians.

Capital One’s breach was inevitable, because we did nothing after Equifax

Equifax, Inc. (EFX) CEO Mark Begor on Q2 2019 Results - Earnings Call Transcript

News for Equifax Stock (EFX)