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

This month, consumers impacted by the massive 2017 Equifax data breach finally began receiving their access codes for four free years of credit monitoring.

Equifax is finally sending out codes for free credit monitoring—don't forget to activate yours

ATLANTA , Feb. 17, 2022 /PRNewswire/ -- Building on its investment in the Equifax Cloud™ and its commitment to new product innovation, Equifax® (NYSE: EFX) today announced a new enhancement for its manual verification offering. The new Self-Employed Verification of Employment (VOE) enhancement is designed for use by lenders and other credentialed verifiers that need to qualify self-employed individuals who don't have W-2s or other conventional payroll records.

Equifax Expands Manual Verification Service for Self-Employed

Equifax's (EFX) CEO Mark Begor on Q4 2021 Results - Earnings Call Transcript

Equifax's (EFX) fourth-quarter 2021 earnings decrease year over year while revenues increase.

Equifax (EFX) Q4 Earnings Beat Estimates, Revenues Rise Y/Y

ATLANTA, Feb. 9, 2022 /PRNewswire/ -- Equifax Inc. (NYSE: EFX) today announced financial results for the quarter and full year ended December 31, 2021. Record fourth quarter 2021 revenue of $1.3 billion, up 12% Workforce Solutions revenue growth of 29%; eleven consecutive quarters of double-digit revenue growth Strong new product innovation leveraging new EFX Cloud Closed in February bolt-on acquisition of Efficient Hire to enhance differentiated data and strengthen Workforce Solutions "We delivered a strong 2021 with our eighth consecutive quarter of double-digit revenue growth.

Equifax Delivers Record Revenue and Eighth Consecutive Quarter of Double-Digit Growth

ATLANTA, Feb. 7, 2022 /PRNewswire/ --  Equifax ® (NYSE: EFX) announced today that it has completed the acquisition of Efficient Hire, a provider of cloud recruiting, onboarding and HR management solutions. The definitive agreement to acquire Efficient Hire was announced on January 31, 2022.

Equifax Completes Acquisition of Efficient Hire

Equifax has reached a settlement over its data breach, according to an update put out by the Federal Trade Commission (FTC). The settlement was finalized in January 2022 and the settlement administrator has begun contacting those who filed valid claims, according to the update.

Equifax Finalizes Breach Settlement, to Start Fulfilling Claims

Equifax (EFX) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Earnings Preview: Equifax (EFX) Q4 Earnings Expected to Decline

Credit reporting agency Equifax on Monday (Jan. 31) signed a definitive agreement to acquire cloud reporting, onboarding and HR management platform Efficient Hire, a move that will allow Equifax Workforce Solutions to offer more hiring and employment services and information to employers. “The Efficient Hire acquisition demonstrates our commitment to reinvesting our 2021 outperformance in […]

Equifax Acquiring Efficient Hire to Enhance Workforce Services

ATLANTA, Jan. 31, 2022 /PRNewswire/ --  Equifax ® (NYSE: EFX) announced today that it has signed a definitive agreement to acquire Efficient Hire, a provider of cloud recruiting, onboarding and HR management solutions. This acquisition will enable Equifax Workforce Solutions to bring employers more of the services and insights they need to help them manage amidst a rapidly changing hiring and employment landscape.

Equifax to Acquire Efficient Hire

Equifax (EFX) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report.

Why the Earnings Surprise Streak Could Continue for Equifax (EFX)

RBC Capital analyst Ashish Sabadra upgraded Equifax Inc. EFX to Outperform from Sector Perform and raised the price target to $300 (an upside of 25%), from $294. The analyst notes that the company's mortgage exposure has now been baked into investor expectations following the stock's relative underperformance compared to peers.

RBC Capital Upgrades Equifax To Outperform, Sees Sharp Upside

ATLANTA, Jan. 27, 2022 /PRNewswire/ --  Equifax ® (NYSE: EFX) will announce its financial results for the fourth quarter ended December 31, 2021, in a release to be issued on February 9 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 2021 Results

ATLANTA, Jan. 27, 2022 /PRNewswire/ -- Equifax (NYSE: EFX) announced that The Work NumberⓇ offers instant employment and income verifications service by leveraging the latest Encompass Partner Connect API platform with EncompassⓇ by ICE Mortgage Technology™, part of Intercontinental Exchange, Inc. (NYSE: ICE), a leading global provider of data, technology and market infrastructure. The technology infrastructure and simplified user interface create straightforward yet customizable pathways for loan officers to instantly tap into enhanced mortgage income and employment verification solutions from Equifax.

The Work Number® Enhances Instant Verifications Service Leveraging ICE Mortgage Technology's Encompass® Platform

Equifax Inc (NYSE: EFX) has expanded its verification services internationally, powered by its multi-year investment in the Equifax Cloud. Verification Exchange, a secure, automated cloud-based service that streamlines the process of verifying employment and income information, is now available in Australia and the U.K.

Equifax Reveals International Expansion Of Verification Services

ATLANTA, Jan. 25, 2022 /PRNewswire/ -- Today, Equifax ® (NYSE: EFX) announced the international expansion of its industry-leading verification services, powered by the company's multi-year investment in the Equifax Cloud™. Verification Exchange™, a secure, automated cloud-based service that streamlines the process of verifying employment and income information, is now available in Australia and the United Kingdom - rapidly following the service's rollout and success in Canada and the availability of Equifax employment verification services in India.

Equifax Expands Industry-Leading Verification Services Globally

TransUnion

Experian PLC

ATLANTA & COSTA MESA, Calif. & CHICAGO--(BUSINESS WIRE)--The three nationwide credit reporting agencies – Equifax (NYSE: EFX), Experian (LON: EXPN) and TransUnion (NYSE: TRU) – are taking joint action to extend the pandemic response service offering free weekly credit reports to consumers through the end of 2022. This benefit will continue to help consumers across the country manage their financial health during the ongoing hardship and economic uncertainty caused by COVID-19. The companies' CE

Equifax, Experian and TransUnion Extend Free Weekly Credit Reports Through End of 2022

Baird analyst Jeffrey Meuler upgraded Equifax Inc. (NYSE:EFX) to Outperform from Neutral and lowered the price target to $281 (an upside of 25%), from $290. The analyst cites the company's "exceptional" employment/income verification business, a "very good business" as one of three global credit bureaus and its modernized tech stack.

Baird Upgrades Equifax, Views Current Valuation As 'Attractive'

ATLANTA, Jan. 21, 2022 /PRNewswire/ -- Equifax® (NYSE: EFX) and the Georgia Institute of Technology ("Georgia Tech") have announced a new research partnership designed to develop new ways to reach underserved, underbanked and credit-rebuilding consumers. As part of this relationship, the Financial Services Innovation Lab at Georgia Tech will leverage anonymized Equifax data assets to further its innovative research designed to increase consumer access to credit and Equifax data scientists will provide hands-on data education to speed research time.

Equifax and Georgia Tech Announce Financial Inclusion Research Partnership

Equifax looks set to sustain its recent momentum, unveiling some promising new medium to longer-term targets at its investor day.

Equifax: Investor Day Outlines The Next Phase Of Value Creation

ATLANTA, Jan. 6, 2022 /PRNewswire/ --  Equifax®  (NYSE: EFX) today announced additional service enhancements to its comprehensive portfolio of verification solutions available to the mortgage industry. These new options are powered by The Work Number®, the industry-leading, centralized commercial repository of income and employment information in the United States.

Equifax Enhances Mortgage Verification Solutions Available Through The Work NumberⓇ

Nielsen Hlds

Morgan Stanley analyst Toni Kaplan upgraded Equifax Inc. (NYSE:EFX) to Overweight from Equal Weight and raised the price target to $325 (an upside of 14%) from $264. The analyst expects Equifax's organic revenue growth to exceed most Information Services companies from 2022-2024, driven primarily by the company's Workforce Solutions segment.

Read Morgan Stanley' Stance On Equifax, Nielsen

Equifax announced that buy now, pay later payments will be added to credit reports in early 2022. That could help some consumers, but others should be careful.

Equifax is adding buy now, pay later payments to credit reports. Here's how it could affect your score

Chevron

Extra Space Storage

NextEra Energy

O'Reilly Automotive

Progressive

Charles Schwab

With the Federal Reserve clarifying its intentions for rate hikes in 2022, here are the stocks to buy to benefit from this shift. The post 7 Stocks to Buy Now That Rate Hikes Are on the Table appeared first on InvestorPlace.

7 Stocks to Buy Now That Rate Hikes Are on the Table

U.K. FinTech for businesses Cashplus Bank is rolling out a Business Creditbuilder tool in partnership with Equifax to help small- to medium-sized businesses (SMBs) increase accessibility to credit, according to a press release on Thursday (Dec. 16). The new tool is aimed at increasing lending access to the 65% of new U.K. businesses who are […]

News for Equifax Stock (EFX)