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

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Cash from financing

Change in stock

Change in debt

Cash dividends paid

Cash from other sources

Net change in cash

Free cash flow

Acquisition Expands the Breadth of Small Business Insights Equifax Can Provide in Canada and Worldwide Acquisition Expands the Breadth of Small Business Insights Equifax Can Provide in Canada and Worldwide

Equifax Acquires Profile Credit's Food Industry Credit Bureau

Acquisition Expands the Breadth of Small Business Insights Equifax Can Provide in Canada and Worldwide ATLANTA , Feb. 1, 2023 /PRNewswire/ -- Equifax ® (NYSE: EFX) today announced the acquisition of The Food Industry Credit Bureau, the leading provider of credit information for the food industry in Canada, from Profile Credit. This acquisition expands the breadth of commercial credit insights available to Equifax customers in Canada and worldwide, making differentiated data insights on over 90 percent of the Canadian food industry available.

Equifax Acquires Profile Credit's Food Industry Credit Bureau

ATLANTA , Jan. 26, 2023 /PRNewswire/ -- Equifax ® (NYSE: EFX) will announce its financial results for the fourth quarter ended December 31, 2022 in a release to be issued on February 8 after the market closes. Equifax will host a conference call at 8:30 a.m.

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

Equifax is a great long term business, in terms of positioning and execution. 2022 has been a bit of a lost year, with no growth seen.

Equifax: Some Thoughts Heading Into 2023

Equifax (EFX) is benefiting from technology transformation. Efforts for strengthening its customer base are also aiding the company.

Equifax (EFX) Gains 13.2% in the Past 6 Months: Here's How

Easier Access Helps Wellness-Focused Businesses Streamline Form I-9 Completion and Speed Up New Hire Onboarding ATLANTA , Jan. 12, 2023 /PRNewswire/ -- Equifax ® (NYSE: EFX), a global data, analytics and technology company, today announced a partnership with Mindbody , a leading experience technology platform for the wellness industry, to bring the award-winning I-9 Management services from Equifax Workforce Solutions to the Mindbody Partner Store . This partnership provides wellness-focused businesses - such as fitness centers, salons and spas - with access to a more automated, mobile-friendly solution that helps streamline the Form I-9 completion process and simplify employee I-9 verifications, reverifications and audit logs.

Equifax Launches Award-Winning I-9 Management Solution in the Mindbody Partner Store

Technology transformation and strong customer base boost Equifax (EFX).

Here's Why Investors Should Retain Equifax (EFX) Stock Now

Equifax has made an offer to acquire Brazilian credit services company Boa Vista Serviços. Under the terms of the deal, Equifax would give shareholders 8 Brazilian reals ($1.

Equifax Submits Offer to Acquire Brazil's Boa Vista Serviços

ATLANTA , Dec. 19, 2022 /PRNewswire/ -- Equifax ® (NYSE: EFX) will host a conference call at 4:30 p.m. Eastern Time (ET) on Monday, December 19, 2022 in which Mark W.

Equifax Announces December 19 Investor Call to Discuss Company's Offer to Acquire Boa Vista Serviços

Acquisition Would Deliver Compelling Value to Boa Vista Serviços Shareholders and Expands Equifax Capabilities in Large and Fast-growing Brazilian Market ATLANTA , Dec. 19, 2022 /PRNewswire/ --  Equifax ® (NYSE: EFX) has made an offer to the Boa Vista Serviços Board of Directors to acquire all outstanding shares of Boa Vista Serviços (BOAS3: SAO), the second largest consumer credit bureau in Brazil, for R$8.00 per share, implying an estimated total enterprise value of R$3,103 million, or USD$583 million based on a USD/BRL exchange rate of 5.3180 (PTAX as of December 15, 2022). If accepted, this proposal would deliver compelling value to Boa Vista Serviços shareholders by providing immediate liquidity, a substantial 89 percent premium over the closing price on December 15, 2022, and an opportunity to exchange part of their Boa Vista Serviços stake into a globally diversified Equifax stock.

Equifax Makes Offer to Acquire Boa Vista Serviços in Brazil for R$8 Per Share

A lot of the market still doesn't realize that EFX competes in far more than the mortgage market. Its latest earnings report shows its non-mortgage businesses are offsetting losses in mortgage.

Equifax's Diversified Strategy Is Working

Program Finalists Harness Equifax Cloud ™ -Enabled APIs to Develop Transformative Solutions to Foster Financial Inclusion and Improve Access to Services  ATLANTA , Dec. 15, 2022 /PRNewswire/ -- Today,  Equifax ® (NYSE: EFX) announced the conclusion of its second annual developer challenge and accelerator program, hosted in partnership with 1871 , which called upon U.S.-based software developers to create transformative solutions that support financial inclusion and improve access to services by leveraging Equifax Cloud enabled Application Programming Interfaces (APIs). Launched in July , the 2022 Equifax Accelerate program culminated in November with a Product Showcase at the company's headquarters in Atlanta.

Equifax Announces 2022 Developer Challenge and Accelerator Program Finalists

New Solution is Powered by the Equifax TotalVerify™ Data Hub, Helping CRAs Solve Challenges Related to Redacted PII in Key Jurisdictions ATLANTA , Dec. 6, 2022 /PRNewswire/ --  Equifax® (NYSE: EFX) today announced CourtSmart™ , a new solution designed to help solve unique challenges facing consumer reporting agencies (CRAs) and empower more intelligent decision making. An enhancement to the Court Data as a Service ( CDaaS™ ) solution from Equifax, CourtSmart uses proprietary, third-party data to help account for the redaction of personal identifiable information (PII) in key jurisdictions.

Equifax Launches CourtSmart™ To Drive More Efficient Court Research for Background Screeners

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

Total Consumer Debt Climbs to $2.36 Trillion as Consumers Lean on Credit Cards

Technology transition and a solid clientele boost Equifax (EFX).

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

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

Equifax (EFX) Up 32.5% Since Last Earnings Report: Can It Continue?

Consumers aim to stick to budget while shopping more in-store to support local businesses Consumers aim to stick to budget while shopping more in-store to support local businesses

Most Canadians Plan to Spend Less on Gifts this Holiday Season

Employers Using Leading HR Software Platforms Can Now Leverage API Technology for Streamlined Access to the Equifax Workforce Solutions Compliance Center ™  Platform ATLANTA , Nov. 3, 2022 /PRNewswire/ -- Today, Equifax ® (NYSE: EFX) announced the availability of pre-built Application Programming Interface (API) integrations with iCIMS, Jobvite, PageUp, and SAP SuccessFactors through Veritas Prime, offering employers more streamlined access to the Equifax Workforce Solutions Compliance Center™ platform. The integrations support a more seamless employee experience while helping to free up HR and technology resources for more strategic work.

Equifax Workforce Solutions Releases API Integrations with Top HR Technology Providers

Equifax survey finds many people checking credit scores and reports more often Equifax survey finds many people checking credit scores and reports more often

Increased Cost of Living and Mounting Debt Cause Major Concerns for Canadians

Asure Software

Integration Supports Small Businesses and Their Employees with Access to Automated Verifications from The Work Number®  AUSTIN, Texas and ATLANTA , Oct. 27, 2022 /PRNewswire/ -- Today, Asure Software , Inc. (NASDAQ: ASUR), a leading provider of human capital management (HCM) software solutions, and  Equifax ® (NYSE: EFX), a global data, analytics and technology company, announced a new integration making The Work Number from Equifax available to Asure direct customers and reseller partners. The integration is designed to provide Asure clients and their employees the benefits of quicker, more secure verifications of employment and income from The Work Number within their existing core HCM technology stacks.

Asure and Equifax Align to Deliver Integrated Verifications of Employment and Income

Streamlined Solution Delivers First Verification of Employment Service Developed Specifically for the Staffing Industry ATLANTA , Oct. 25, 2022 /PRNewswire/ -- Today,  Equifax ® (NYSE: EFX) announced the launch of Talent Report™ Employment Staffing, the first and only pre-employment verification service designed specifically to meet the unique needs of the staffing industry. By providing instant verifications of employment via The Work Number ® database in a single, streamlined report, Equifax Workforce Solutions is helping staffing professionals fill roles more quickly and with greater confidence.

Equifax to Enhance Pre-Employment Verification Services with New Talent Report™ Employment Staffing

Lenders encouraged to spot and stop new trends in fraud Lenders encouraged to spot and stop new trends in fraud

High Cost of Living and Credit Demand Could Lead to Higher Probability of Fraud

Equifax Inc. (NYSE:EFX ) Q3 2022 Earnings Conference Call October 20, 2022 8:30 AM ET Company Participants Trevor Burns - Head, IR Mark Begor - Chief Executive Officer John Gamble - Chief Financial Officer and Chief Operations Officer Conference Call Participants Manav Patnaik - Barclays Ashish Sabadra - RBC Capital Markets Andrew Steinerman - JPMorgan Kyle Peterson - Needham and Company Andrew Jeffrey - Truist Securities Kevin McVeigh - Credit Suisse Shlomo Rosenbaum - Stifel Craig Huber - Huber Research Partners Andrew Nicholas - William Blair Jeff Meuler - Robert W. Baird David Togut - Evercore ISI Toni Kaplan - Morgan Stanley Simon Clinch - Atlantic Equities Seth Weber - Wells Fargo Faiza Alwy - Deutsche Bank George Tong - Goldman Sachs Heather Balsky - Bank of America Surinder Thind - Jefferies Operator Greetings and welcome to the Equifax Third Quarter 2022 Earnings Conference Call.

Equifax Inc. (EFX) Q3 2022 Earnings Call Transcript

Equifax's (EFX) third-quarter 2022 revenues surge year over year. However, earnings decline.

Equifax (EFX) Beats on Q3 Earnings, Trims 2022 EPS Guidance

Equifax (EFX) delivered earnings and revenue surprises of 5.49% and 2.33%, respectively, for the quarter ended September 2022. Do the numbers hold clues to what lies ahead for the stock?

News for Equifax Stock (EFX)