Q4 2025 Equifax Inc Earnings Call Transcript

Feb 4, 2026 / 01:30 PM GMT

Release Date Price: $179.93 (+1.29%)

Transcript 8-K

Key Points

Positve

Equifax Inc (EFX) reported strong financial results for Q4 2025, with revenue of $6.075 billion, EPS of $7.65 per share, and free cash flow of $1.13 billion, exceeding both February and October guidance.
The company achieved a 7% revenue growth in 2025, despite challenges in the US mortgage and hiring markets.
Equifax Inc (EFX) successfully expanded its proprietary data assets, with over 200 million active records in its EWS database, marking an 11% increase.
The company made significant progress in AI and cloud technology, with 90% of its revenue now in the new Equifax cloud, enhancing operational efficiencies and product innovation.
Equifax Inc (EFX) returned $1.2 billion to shareholders in 2025, significantly above its guidance, demonstrating strong shareholder value commitment.

Negative

The US mortgage market remained weak, impacting Equifax Inc (EFX)'s revenue growth by approximately 100 basis points.
Equifax Inc (EFX) faced a $30 million charge related to a settlement of inquiry disputes, although it expects reimbursement from insurers.
International revenue growth was below expectations, particularly in Canada and the UK, due to weaker economic conditions.
The company's overall EBITDA margins were slightly below guidance due to higher incentive compensation costs.
Equifax Inc (EFX) anticipates continued challenges in the US mortgage market, projecting a low single-digit decline in 2026.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

EFX.N - Equifax Inc
Q4 2025 Equifax Inc Earnings Call
Feb 04, 2026 / 01:30PM GMT

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Presentation
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Unidentified_1 [1]
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Good morning and welcome to the Equifax Q4 2025 earnings conference call.

At this time, all participants are in a listen-only mode. The question-and-answer session will follow the formal presentation. If anyone should require operator assistance during the conference, please press 0 on your telephone keypad. Please note this conference is being recorded. I will now turn the conference over to Trevor Burns, SVP of Investor relations.

Thank you. You may begin.

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Unidentified_2 [2]
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Thanks and good morning. Welcome to today's conference call. I'm Trevor Burns

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