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

Explore Equifax's (EFX) international revenue trends and how these numbers impact Wall Street's forecasts and what's ahead for the stock.

Equifax (EFX) International Revenue Performance Explored

Consumer credit bureau Equifax said artificial intelligence (AI) is playing an increasing role in its operations.

Equifax Says 85% of Its New Models Built With AI

Equifax Inc. (NYSE:EFX ) Q1 2024 Earnings Conference Call April 18, 2024 8:30 AM ET Company Participants Trevor Burns – Senior Vice President, Head of Corporate Investor Relations Mark Begor – Chief Executive Officer John Gamble – Chief Financial Officer Conference Call Participants Manav Patnaik – Barclays Andrew Steinerman – JPMorgan Kyle Peterson – Needham and Company Heather Balsky – Bank of America Owen Lau – Oppenheimer Shlomo Rosenbaum – Stifel Faiza Alwy – Deutsche Bank Andrew Nicholas – William Blair Surinder Thind – Jefferies Kelsey Zhu – Autonomous Research Jeff Meuler – Baird Craig Huber – Huber Research Partners Simon Clinch – Redburn Partners Toni Kaplan – Morgan Stanley Arthur Truslove - Citi George Tong - Goldman Sachs Operator Hello and welcome to the Equifax Inc. Q1 2024 Earnings Conference Call. [Operator Instructions] A question-and-answer session will follow the formal presentation.

Equifax Inc. (EFX) Q1 2024 Earnings Call Transcript

Las Vegas Sands

Earnings season has officially begun, and there's plenty of corporate reports to unpack.

2 Stocks Sliding Despite Upbeat Earnings

Equifax's (EFX) first-quarter 2024 revenues rise y/y due to improved segmental performances.

Equifax (EFX) Q1 Earnings Surpass Estimates, Revenues Miss

Equifax beat on earnings but provided second-quarter and full-year guidance that underwhelmed. The company is feeling the impact of changing expectations over rate cuts.

Why Equifax Stock Is Falling Today

Although the revenue and EPS for Equifax (EFX) give a sense of how its business performed in the quarter ended March 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.

Here's What Key Metrics Tell Us About Equifax (EFX) Q1 Earnings

Shares of Equifax fell after hours on Wednesday after the credit-scoring giant reported first-quarter revenue that missed expectations and said it expected a continued drop in mortgage inquiries this year, as the housing market stalls out under high home prices and interest rates.

Equifax says weaker mortgage demand is weighing on its business

ATLANTA , April 17, 2024  /PRNewswire/ -- Equifax ® (NYSE: EFX) today announced financial results for the quarter ended March 31, 2024. First quarter 2024 revenue of $1.389 billion grew strong 7%, with 9% non-mortgage local currency revenue growth.

Equifax Delivers First Quarter 2024 Revenue Growth of 7% to $1.389 Billion Amid Challenging Mortgage Market

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5 Giants Likely to Win Big on Earnings Results This Week

Equifax (EFX) is seeing favorable earnings estimate revision activity and has a positive Zacks Earnings ESP heading into earnings season.

Should You Buy Equifax (EFX) Ahead of Earnings?

Equifax's (EFX) first-quarter 2024 revenues are likely to have benefited from strong market penetration and growth in Latin America.

Equifax (EFX) to Post Q1 Earnings: What's in the Offing?

Looking beyond Wall Street's top -and-bottom-line estimate forecasts for Equifax (EFX), delve into some of its key metrics to gain a deeper insight into the company's potential performance for the quarter ended March 2024.

Curious about Equifax (EFX) Q1 Performance? Explore Wall Street Estimates for Key Metrics

Equifax's business has returned to long-term growth trajectory, with non-mortgage business maintaining strong momentum. Weak mortgage credit inquiries have impacted Equifax's growth, but the mortgage business now only represents 15% of group revenue. Workforce Solutions is driving growth, with a huge underpenetrated market and a major contract with the U.S. Centers for Medicare and Medicaid Services.

Equifax Q1 Preview: Mortgage Business Normalization And Non-Mortgage Growth (Rating Upgrade)

PagSeguro Digital

Investors looking for stocks in the Financial Transaction Services sector might want to consider either PagSeguro Digital Ltd. (PAGS) or Equifax (EFX).

PAGS vs. EFX: Which Stock Is the Better Value Option?

ATLANTA , April 4, 2024 /PRNewswire/ -- Equifax® (NYSE: EFX) will announce its financial results for the first quarter ended March 31, 2024, in a release to be issued on April 17 after the market closes. Equifax will host a conference call at 8:30 a.m.

Equifax Announces Earnings Release Date and Conference Call for First Quarter 2024 Results

The recent acquisition of Boa Vista Servicos expands Equifax's (EFX) presence in the vast and rapidly expanding Brazilian market.

Equifax (EFX) Rallies 32% in a Year: Here's What to Know

Fourth Annual Report Highlights Company's Continued Security Leadership and Commitment to Collaboration in Cybersecurity ATLANTA , March 21, 2024 /PRNewswire/ -- Equifax ® (NYSE: EFX) today released its 2023 Security Annual Report , documenting the company's continued commitment to security leadership through constant adaptation and proactive protection. The fourth annual report outlines how Equifax increased efficiency, reduced friction and strengthened continuous controls governance across its internal security program, while also collaborating externally for the benefit of consumers, customers and other organizations.

Equifax Releases 2023 Security Annual Report

- Businesses Feel the Squeeze with Loan Repayments, Insolvencies and Delinquencies -

Equifax® Canada: Insolvencies Rise Amid Mounting Financial Stress on Canadian Businesses

VTEX

ATLANTA , March 18, 2024 /PRNewswire/ -- Equifax ® (NYSE: EFX) has joined forces with VTEX (NYSE: VTEX), the composable and complete commerce platform for premier B2C and B2B brands, to help fortify fraud prevention capabilities for merchants across the globe. This strategic partnership, which started in 2023, combines the fraud detection and prevention expertise from Equifax with the robust VTEX commerce platform , empowering enterprise customers to better secure their businesses while delivering unmatched customer experiences.

Equifax and VTEX Join Forces to Enhance Fraud Protection for Customers Worldwide

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

Equifax (EFX) Up 7.5% Since Last Earnings Report: Can It Continue?

Ontario & British Columbia Lead Rise in Missed Mortgage Payments Equifax Canada Market Pulse — Q4 2023 Quarterly Consumer Credit Trends Report TORONTO, March 05, 2024 (GLOBE NEWSWIRE) -- According to Equifax® Canada's latest Market Pulse Consumer Credit Trends and Insights report, economic pressure is more visible as many consumers struggle to make monthly credit payments. Delinquency rates for non-mortgage balances that are 90+ days overdue went up from one per cent in Q4 2022 to 1.3 per cent in Q4 2023, representing a 28.9 per cent increase.

Equifax® Canada Report Reveals Increased Financial Strain as Credit Delinquencies Continue to Rise

New Offering Enables Faster, More Informed Decisions Prior to Establishing Business Relationships ATLANTA , Feb. 27, 2024 /PRNewswire/ -- Equifax ® (NYSE: EFX) is launching a real-time, Know Your Business (KYB) online Business Verification Solution  offering to help U.S. lenders and businesses of all sizes make faster, more informed decisions before onboarding new accounts or vendors.  New business applications in the United States have been growing at an unprecedented rate, with five million applications submitted per year since 2021.

Equifax Introduces Business Verification Solution

Equifax's (EFX) analytical tools and solutions, product innovation and operational execution, broad client base and strategic acquisitions indicate sustained growth.

Equifax (EFX) Gains From Buyouts & Innovation Amid Cyber Risks

TORONTO, Feb. 27, 2024 (GLOBE NEWSWIRE) -- A new survey* by Equifax Canada sheds light on a public increasingly worried about the potential rise in fraudulent activity across industries. In addition, Equifax Canada data shows mortgage fraud and identity fraud continuing to escalate across the country as economic pressure continue.

News for Equifax Stock (EFX)