Equifax Delivers Optimal Path™ Directly to U.S. Consumers via the myEquifax Mobile App

Rhea-AI Summary

Equifax (NYSE: EFX) launched Optimal Path in the myEquifax mobile app on Feb 17, 2026, offering free, AI-driven 30-day credit score action plans to U.S. consumers.

Optimal Path uses two Equifax patents and EFX.AI to create personalized tasks tied to a consumer's Equifax credit file, track 30-day progress, send reminders, and show milestones over three months.

Positive

• Free access to Optimal Path for U.S. consumers
• Patented EFX.AI powers personalized 30-day action plans
• Claims of potential VantageScore 3.0 improvements in as few as 90 days
• Progress tracking with reminders and three-month milestone history

Negative

• Available only in U.S. myEquifax mobile app
• Requires a myEquifax account or Equifax Core Credit registration
• Access limited to mobile app users, not desktop or third-party platforms

Key Figures

Share price: $192.70 Q4 2025 revenue: $1.551B Full-year 2025 revenue: $6.075B +5 more

8 metrics

Share price $192.70 Pre-news price, up 2.46% on the day

Q4 2025 revenue $1.551B Up 9% year-over-year and $30M above guidance midpoint

Full-year 2025 revenue $6.075B Company-wide revenue for 2025, up 7%

2025 diluted EPS $5.32 Full-year 2025 reported diluted EPS

2025 adjusted EPS $7.65 Full-year 2025 adjusted EPS guidance reference point

Capital returned $561M Q4 2025 capital returned to shareholders, including $500M buybacks

2026 revenue guidance $6.72B 2026 revenue guidance midpoint issued with Q4 2025 earnings

Action plan horizon 30 days Optimal Path provides personalized 30-day action plans in myEquifax app

Market Reality Check

Price: $192.80 Vol: Volume 1,634,584 vs 20-da...

low vol

$192.80 Last Close

Volume Volume 1,634,584 vs 20-day average 2,495,920 (relative volume 0.65x) ahead of this news. low

Technical Price 192.70 is trading below the 200-day MA at 237.18, well off the 281.03 52-week high.

Peers on Argus

EFX gained 2.46% while peers were mixed: HURN up 2.66%, VRSK and RBA modestly po...

1 Up 1 Down

EFX gained 2.46% while peers were mixed: HURN up 2.66%, VRSK and RBA modestly positive, but BAH and FCN down. Momentum scanner also showed one peer up and one down, pointing to a stock-specific move tied to EFX’s AI-powered consumer launch rather than a broad sector rotation.

Historical Context

5 past events · Latest: Feb 04 (Positive)

Pattern 5 events

Date	Event	Sentiment	Move	Catalyst
Feb 04	Partnership expansion	Positive	+3.4%	Expanded Gen partnership to integrate data and AI capabilities into myEquifax.
Feb 04	Earnings report	Positive	+3.4%	Q4 2025 revenue and EPS beat guidance with strong 2026 outlook.
Jan 30	Fraud model launch	Positive	-1.3%	Launched Credit Abuse Risk model targeting first-party fraud detection.
Jan 28	Auto dealer tools	Positive	-0.7%	Introduced Employment Insights products for auto dealer credit workflows.
Jan 26	Credit card solution	Positive	+2.3%	Launched Income Confirm to add verified income data to credit decisioning.

Pattern Detected

Recent product and partnership announcements have produced mixed reactions, but strong earnings and strategic deals tended to align with positive price moves.

Recent Company History

Over the past month, Equifax has reported multiple product launches and strategic moves. On Jan 26 and Jan 28, new income and employment verification products saw modestly mixed reactions. A fraud-focused model launch on Jan 30 was followed by a small decline. However, the Feb 4 earnings beat, with Q4 revenue of $1.551B and raised 2026 guidance, and an expanded partnership with Gen both coincided with a 3.42% gain, showing investors have rewarded clear financial and strategic upside. Today’s AI-driven consumer app feature fits into this ongoing cloud and AI commercialization theme.

Market Pulse Summary

This announcement highlights Equifax’s push to embed its cloud and EFX.AI capabilities directly into...

Analysis

This announcement highlights Equifax’s push to embed its cloud and EFX.AI capabilities directly into consumer experiences via Optimal Path in the myEquifax app. It follows recent launches in fraud detection and income verification, plus a Q4 2025 earnings beat with revenue of $1.551B and strong 2026 guidance at $6.72B. Investors may track adoption of the free tool, cross-sell into paid offerings, and how these AI-driven services support the company’s longer-term growth and margin goals.

Key Terms

cloud-native, rule 10b5-1, schedule 13g

3 terms

cloud-native technical

"Leveraging the Advanced Equifax Cloud-native Platform and Patented EFX.AI Capabilities"

Cloud-native describes a way of creating and running applications that are designed specifically to operate smoothly on cloud computing platforms. Think of it as building a house with flexible, lightweight materials that can be easily moved, scaled, or adjusted as needed, rather than using rigid, traditional construction. For investors, it signifies technology that is more adaptable, efficient, and capable of quickly responding to changing market demands.

rule 10b5-1 regulatory

"The sale was executed under a pre-arranged Rule 10b5-1 trading plan"

Rule 10b5-1 is a regulation that allows company insiders to buy or sell their shares at predetermined times, even if they have access to non-public information. It acts like setting a schedule in advance for transactions, helping prevent accusations of unfair trading. This rule provides a way for insiders to plan trades transparently, giving investors confidence that these transactions are not based on hidden information.

schedule 13g regulatory

"Capital International Investors filed an amended Schedule 13G reporting beneficial ownership"

A Schedule 13G is a formal document that investors file with the government when they acquire a large ownership stake in a company, usually for investment purposes rather than control. It helps keep the public informed about who owns significant parts of a company's shares, which can influence how the company is managed and how investors make decisions. Filing this schedule is important for transparency and understanding the ownership landscape of publicly traded companies.

AI-generated analysis. Not financial advice.

Leveraging the Advanced Equifax Cloud-native Platform and Patented EFX.AI Capabilities, Optimal Path Gives Consumers More Control Over Their Financial Journeys at No Additional Cost

ATLANTA, Feb. 17, 2026 /PRNewswire/ -- Equifax® (NYSE: EFX) is leveraging its advanced cloud-native platform and patented EFX.AI capabilities to deliver Optimal Path™, the company's interactive credit score planner, directly to U.S. consumers through the myEquifax mobile app free of charge. Optimal Path integrates with a consumer's current Equifax credit profile to provide specific tasks that they can execute within the next 30 days to help reach their target VantageScore^® 3.0 credit score goal.

Utilizing two unique Equifax patents, the interactive score planner suggests the most actionable, positive behaviors for the individual user. These suggestions are based on a consumer's credit file as well as EFX.AI-driven insights that simulate how a consumer's score could change by following the recommended action plans. Unlike static credit score simulators or one-time score planners, Optimal Path uses EFX.AI to create customized 30-day action plans that evolve as an individual achieves their particular objectives, enabling consumers to meet their unique financial goals faster. Consumers can see how much their VantageScore credit score can increase in as few as 90 days.

"The Equifax Cloud™ provides the robust foundation needed to leverage our patented EFX.AI capabilities and seamlessly integrate Optimal Path into the myEquifax mobile app," said Aparna Shah, who leads the Direct to Consumer Business at Equifax. "We ultimately want to empower consumers to take more control over their financial journey and help them live their financial best. Offering Optimal Path for free to U.S. consumers is an important step toward that goal."

Optimal Path for U.S. Consumers in the myEquifax mobile app delivers:

• AI-Powered, Personalized 30-day Action Plans: Using the power of EFX.AI patented-technology, consumers will receive a step-by-step plan based on their individual credit profile, focusing on the most impactful steps to take to help reach their credit score goal.
• Track Progress: Consumers receive progress reports for each 30-day period showing if they achieved their targets and/or see where they can improve.
• Reminder Notifications: Consumers receive reminders to help them stay on track and complete their plans.
• Milestone Tracking: Consumers can see the historic milestones they have achieved over the last three months and track their progress over time as they work toward their credit score goals.

Optimal Path is now available for free exclusively in the myEquifax mobile app for all Equifax Core Credit™ and premium subscribers. The myEquifax mobile app is available for download from the Apple App Store^® or on Google Play. U.S. Consumers can then use their myEquifax™ account to login. If a user does not have a myEquifax account, they can register for Equifax Core Credit, a free product that will allow the user to then access the mobile app and Optimal Path.

Access Optimal Path via the myEquifax mobile app here. 

ABOUT EQUIFAX INC.
At Equifax (NYSE: EFX), we believe knowledge drives progress. As a global data, analytics, and technology company, we play an essential role in the global economy by helping financial institutions, companies, employers, and government agencies make critical decisions with greater confidence. Our unique blend of differentiated data, analytics, and cloud technology drives insights to power decisions to move people forward. Headquartered in Atlanta and supported by nearly 15,000 employees worldwide, Equifax operates or has investments in 24 countries in North America, Central and South America, Europe, and the Asia Pacific region. For more information, visit Equifax.com.

FOR MORE INFORMATION:
Alexandra Packey for Equifax
mediainquiries@equifax.com

 

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SOURCE Equifax Inc.

FAQ

What is Optimal Path in the myEquifax app (EFX) released Feb 17, 2026?

Optimal Path is a free, AI-driven 30-day credit score planner inside the myEquifax mobile app. According to the company, it uses patented EFX.AI and a consumer's Equifax credit profile to suggest actionable tasks to help reach a VantageScore 3.0 goal.

How does Optimal Path (EFX) calculate recommended actions and timelines?

Optimal Path uses EFX.AI and two patents to simulate score changes and craft 30-day plans. According to the company, recommendations derive from a consumer's Equifax credit file and evolve as users complete objectives to speed progress.

Who can access Optimal Path in the myEquifax app for EFX?

Optimal Path is available for free to U.S. Equifax Core Credit and premium subscribers via the myEquifax mobile app. According to the company, users without an account can register for Core Credit to gain access.

Can Optimal Path (EFX) improve my VantageScore quickly and by how much?

Equifax says consumers can see VantageScore 3.0 increases in as few as 90 days by following plans. According to the company, EFX.AI simulates score impacts to show potential improvements based on recommended actions.

Does Optimal Path (EFX) track progress and send reminders to users?

Yes. Optimal Path provides 30-day progress reports, reminder notifications, and milestone tracking over three months. According to the company, these features help consumers monitor achievements and identify where to improve.

Where can I download the myEquifax app to use Optimal Path (EFX)?

The myEquifax mobile app is available on the Apple App Store and Google Play for U.S. users. According to the company, users log in with a myEquifax account or register for Equifax Core Credit to access Optimal Path.