Equifax Delivers Strong 10% Revenue Growth in Third Quarter 2026 Driven by 8% Diversified Markets Revenue Growth Despite Challenging U.S. Mortgage Market; Returns $158 Million Cash to Shareholders

Higher quarterly earnings accompanied reduced full-year revenue guidance as Equifax expects mortgage-market weakness to persist.

Rhea-AI Summary

Equifax (NYSE: EFX) reported third-quarter 2026 revenue of $1.693 billion, up 10% from the same quarter a year earlier. Net income attributable to Equifax rose 32% to $211.7 million, while diluted earnings per share increased 39% to $1.79. Diversified Markets revenue grew 8%, and U.S. Mortgage revenue increased 15%. Workforce Solutions, USIS and International revenue rose 7%, 13% and 9%, respectively.

Equifax lowered its full-year revenue guidance midpoint to $6.661 billion, citing a weaker U.S. mortgage market expected to persist through year-end. Its adjusted EPS midpoint fell $0.04 to $8.50; Diversified Markets growth guidance remained high single-digit percent. The company repurchased 0.5 million shares for $92 million and paid $66 million in dividends during the quarter. Equifax expects its Círculo de Crédito acquisition to close in the fourth quarter.

34 points · 0 major

PositiveiHow this balance works

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1 major · 8 points

Hollow bars mark forward-looking points. How the balance works

Positive

• Moderate pointThird-quarter revenue rose 10% year over year to $1.693 billion; local currency growth was 9%.
• Moderate pointNet income attributable to Equifax increased 32% year over year to $211.7 million.
• Moderate pointDiluted EPS rose 39% year over year to $1.79 in the third quarter.
• Moderate pointAdjusted EPS increased 11% year over year to $2.26.
• Moderate pointOperating income increased to $355.3 million from $264.3 million in the prior-year quarter.
• Moderate pointSelling, general and administrative expenses fell to $390.4 million from $434.1 million a year earlier.
• Moderate point. Forward-looking: it has not happened yet and may not happen.Círculo de Crédito acquisition is expected by Equifax to close in the fourth quarter.
• Moderate point. Forward-looking: it has not happened yet and may not happen.Fourth-quarter revenue guidance is $1.605–$1.635 billion, representing growth of 3.5%–5.4%.
• Moderate point. Forward-looking: it has not happened yet and may not happen.Fourth-quarter adjusted EPS guidance is $2.07–$2.17 per share.

25 minor points

• Minor pointAdjusted EBITDA margin increased to 33.1% from 32.7% a year earlier.
• Minor pointDiversified Markets revenue grew 8% reported and 7.5% in local currency year over year.
• Minor pointU.S. Mortgage revenue increased 15% despite a weaker market.
• Minor pointWorkforce Solutions revenue increased 7% year over year to $693.9 million.
• Minor pointWorkforce Solutions operating margin increased to 44.1% from 43.8% a year earlier.
• Minor pointWorkforce Solutions adjusted EBITDA margin increased to 51.4% from 51.2% a year earlier.
• Minor pointVerification Services revenue increased 9% year over year to $603.2 million.
• Minor pointWorkforce Solutions Diversified Markets revenue grew 9%; Verification Services Diversified Markets revenue grew 13%.
• Minor pointTalent Solutions revenue grew over 20%, Consumer Lending high double digits, and Government mid-single digits.
• Minor pointUSIS revenue increased 13% year over year to $599.1 million.
• Minor pointUSIS operating margin increased to 24.3% from 23.2% a year earlier.
• Minor pointUSIS adjusted EBITDA margin increased to 35.4% from 35.2% a year earlier.
• Minor pointUSIS Mortgage revenue grew 28%; USIS Diversified Markets revenue increased 6%.
• Minor pointOnline Information Solutions revenue increased 13% year over year to $529.7 million.
• Minor pointFinancial Marketing Services revenue increased 11% year over year to $69.4 million.
• Minor pointInternational revenue increased 9% reported and 7% in local currency to $399.5 million year over year.
• Minor pointLatin America revenue rose 12% reported and 8% in local currency to $114.1 million year over year.
• Minor pointEurope revenue rose 3% reported and 4% in local currency to $105.5 million year over year.
• Minor pointAsia Pacific revenue rose 20% reported and 12% in local currency to $107.7 million year over year.
• Minor pointCanada revenue rose 2% reported and 4% in local currency to $72.2 million year over year.
• Minor pointShare repurchases returned $92 million through purchases of 0.5 million shares during the quarter.
• Minor pointDividends per common share increased to $0.56 from $0.50 in the prior-year quarter.
• Minor point. Forward-looking: it has not happened yet and may not happen.AI productivity goal remains $150 million, supported by Equifax's planned expansion of internal AI deployment.
• Minor point. Forward-looking: it has not happened yet and may not happen.2026 Diversified Markets revenue growth guidance remains high single-digit percent.
• Minor pointCash and cash equivalents increased to $192.9 million from $180.8 million at December 31, 2025.

Negative

• Major point. Forward-looking: it has not happened yet and may not happen.2026 revenue guidance midpoint was reduced to $6.661 billion because of expected U.S. mortgage-market weakness.
• Moderate pointCost of services increased to $752.4 million from $663.2 million in the prior-year quarter.
• Minor point. Forward-looking: it has not happened yet and may not happen.2026 adjusted EPS guidance midpoint fell $0.04 to $8.50, within the previous guidance range.
• Minor pointEmployer Services revenue declined 5% year over year to $90.7 million.
• Minor pointInternational adjusted EBITDA margin declined to 30.9% from 31.3% a year earlier.

3 minor points

• Minor pointDepreciation and amortization increased to $194.4 million from $183.3 million in the prior-year quarter.
• Minor pointInterest expense increased to $62.3 million from $52.2 million in the prior-year quarter.
• Minor pointTotal liabilities increased to $7,323.0 million from $7,126.0 million at December 31, 2025.

Key Figures

Third-quarter reported revenue: $1,692.5 million Diversified Markets revenue growth: 8% Net income attributable to Equifax: $211.7 million +5 more

Third-quarter reported revenue

$1,692.5 million

Q3 2026; up 10% year over year

Diversified Markets revenue growth

8%

Q3 2026; reported basis

Net income attributable to Equifax

$211.7 million

Q3 2026; up 32% from $160.2 million

Diluted EPS

$1.79 per share

Q3 2026; up 39% from $1.29

Adjusted EPS

$2.26

Q3 2026; up 11% year over year

Cash returned to shareholders

$158 million

Q3 2026, through share repurchases and quarterly dividends

Full-year reported revenue guidance

$6.661 billion midpoint

FY 2026; midpoint reduced due to lower U.S. Mortgage-related revenue

Full-year adjusted EPS guidance

$8.50 per share

FY 2026 midpoint; reduced $0.04 per share and within the previous guidance range

Key Terms

local currency revenue growth, diluted eps, adjusted ebitda margin, free cash flow

4 terms

local currency revenue growth financial

"with 9% local currency revenue growth"

Growth in sales measured using the currencies where customers actually pay, excluding gains or losses from converting those sales into a company’s reporting currency. It shows whether underlying demand and pricing power are rising or falling on the ground, like checking a store’s receipts in the local cash register rather than changing them into another currency. Investors use it to judge true business performance without short-term exchange-rate noise.

diluted eps financial

"Diluted EPS attributable to Equifax was $1.79 per share"

Diluted earnings per share (EPS) shows how much profit a company makes for each share of stock, assuming all possible shares from stock options or convertible securities are used. It provides a more conservative estimate than basic EPS, accounting for potential share increases that could dilute ownership. Investors use diluted EPS to get a clearer picture of a company's true profitability on a per-share basis.

adjusted ebitda margin financial

"Adjusted EBITDA margin was 33.1% in the third quarter of 2026"

Adjusted EBITDA margin shows how much profit a company makes from its core operations, expressed as a percentage of its total revenue, after removing certain one-time or unusual expenses and income. It helps investors understand the company's true earning ability from regular business activities, making it easier to compare performance over time or with other companies. Think of it as measuring the efficiency of a business in turning sales into profits, excluding irregular adjustments.

free cash flow financial

"With our strong free cash flow, Equifax returned $158 million"

Free cash flow is the amount of money a company has left over after paying all its expenses and investing in its business, like buying equipment or updating facilities. It shows how much cash is available to reward shareholders, pay down debt, or save for future growth. This helps investors understand if a company is financially healthy and able to grow.

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ATLANTA, Oct. 20, 2026 /PRNewswire/ -- Equifax^® (NYSE: EFX) today announced financial results for the quarter ended September 30, 2026.

• Third quarter reported revenue of $1.693 billion, up a strong 10% with 9% local currency revenue growth.
• Diversified Markets revenue up 8% on a reported and 7.5% on a local currency basis, with strong, broad-based performances across all business units.
• Third quarter U.S. Mortgage revenue up 15% despite weaker market.
• Workforce Solutions third quarter revenue up 7%. Diversified Markets revenue up 9% led by Verification Services Diversified Markets revenue up 13% with Talent Solutions revenue growth over 20%, Consumer Lending up high double digits, and Government up mid-single digits. Workforce Solutions Mortgage revenue flat in the third quarter from the weaker mortgage market.
• USIS third quarter revenue up strong 13% with Diversified Markets revenue growth up 6% led by Financial Institutions and Auto. USIS Mortgage revenue up a strong 28% despite the weaker mortgage market.
• International third quarter revenue up 9% on a reported basis. Local currency revenue growth up 7% with low double-digit revenue growth in Australia and high single-digit growth in Latin America. Expect Círculo de Crédito acquisition to close in the fourth quarter.
• New Product Innovation leveraging the EFX Cloud, EFX.AI, and proprietary data delivered record over 17% new product Vitality Index.
• Returned $158 million in cash to shareholders through share repurchases and quarterly dividend.

"Equifax delivered a strong third quarter performance executing on our EFX2028 Strategic Priorities with reported revenue of $1.693 billion, up 10% on a reported basis, with 9% local currency revenue growth. Diversified Markets revenue growth of 8% was broad based across all business units driven by a record over 17% new product Vitality Index, above our 10% long-term goal. U.S. Mortgage revenue grew 15%, despite the much weaker mortgage market we saw in the latter half of the third quarter as mortgage interest rates increased substantially.

Workforce Solutions delivered 7% revenue growth, with Diversified Markets growth of 9% led by strong over 20% growth in Talent Solutions, strong high double-digit growth in Consumer Lending and accelerating sequential mid single-digit growth in Government. Workforce Solutions Mortgage revenue was about flat from the weak mortgage market. USIS delivered strong revenue growth of 13%, with Diversified Markets revenue growth of 6%, led by Financial Institutions and Auto. USIS Mortgage revenue was up 28% despite the weaker mortgage market. International delivered 7% local currency revenue growth with low double-digit revenue growth in Australia and high single-digit growth in Latin America.

We continue to deploy EFX.AI to deliver new, higher-performing products and solutions to our customers and expand AI deployment inside EFX to deliver against our $150 million AI productivity goal. With our strong free cash flow, Equifax returned $158 million of cash to shareholders in the quarter, including repurchasing 0.5 million shares for $92 million and paying $66 million in quarterly dividends. We continue to use our free cash flow to return cash to shareholders and for bolt-on M&A like our Círculo de Crédito acquisition that we expect to close in the fourth quarter," said Mark W. Begor, Equifax Chief Executive Officer.

"As we look to the remainder of 2026, we are maintaining our Diversified Markets revenue guidance for revenue growth of high single-digit percent. However, we expect the much weaker U.S. mortgage market that we saw in the latter half of the third quarter to continue through the remainder of 2026. As a result, we are reducing our full year 2026 revenue guidance at the midpoint to $6.661 billion, reflecting this reduction in our U.S. Mortgage related revenue.   

Despite the impact of the significantly weakened U.S. mortgage market on the second half of 2026 revenue, we expect to deliver 2026 Adjusted EPS Guidance of $8.50 per share, a reduction of only $0.04 per share at the midpoint and well within our previous Guidance range. As we did in the second quarter, the Equifax team is doing an outstanding job of managing cost and expenses including continuing to drive strong AI-driven operating cost efficiencies and optimizations, which should allow us to principally recover the gross margin impact from lower Mortgage revenue and deliver very strong operating margin performance.

We are confident in the future of the New Equifax. Equifax is fundamentally a different company on how we go to market from Technology to Data & Analytics, EFX.AI capabilities, product focus, and AI-driven Operations all leveraging our differentiated data assets, industry-leading Cloud technology, patented EFX.AI products, D&A capabilities, and market-leading innovation. Our scale proprietary data is the foundation of our AI data moat and a big competitive advantage, and we are expanding our capabilities to leverage our unique, non-public data assets with EFX.AI and agentic AI to rapidly deliver higher-performing scores, models, and multi-market products to help our customers grow.

Our strong third quarter results reflect the resiliency of the broad-based Equifax business model in a challenging mortgage market. We are energized about the New Equifax and we expect to deliver higher growth, margins, and accelerating free cash flow, and returning cash to shareholders in the future."

Financial Results Summary

The Company reported revenue of $1,692.5 million in the third quarter of 2026, up 10% and 9% on a reported and local currency basis, respectively, compared to the third quarter of 2025.

Net income attributable to Equifax of $211.7 million was up 32% in the third quarter of 2026 compared to $160.2 million in the third quarter of 2025.

Diluted EPS attributable to Equifax was $1.79 per share in the third quarter of 2026, up 39% compared to $1.29 per share in the third quarter of 2025.

Workforce Solutions Third Quarter Results

• Total revenue was $693.9 million in the third quarter of 2026, up 7% compared to the third quarter of 2025. Operating margin for Workforce Solutions was 44.1% in the third quarter of 2026 compared to 43.8% in the third quarter of 2025. Adjusted EBITDA margin for Workforce Solutions was 51.4% in the third quarter of 2026 compared to 51.2% in the third quarter of 2025.
• Verification Services revenue was $603.2 million, up 9% compared to the third quarter of 2025.
• Employer Services revenue was $90.7 million, down 5% compared to the third quarter of 2025.

USIS Third Quarter Results

• Total revenue was $599.1 million in the third quarter of 2026, up 13% compared to the third quarter of 2025. Operating margin for USIS was 24.3% in the third quarter of 2026 compared to 23.2% in the third quarter of 2025. Adjusted EBITDA margin for USIS was 35.4% in the third quarter of 2026 compared to 35.2% in the third quarter of 2025.
• Online Information Solutions revenue was $529.7 million, up 13% compared to the third quarter of 2025.
• Financial Marketing Services revenue was $69.4 million, up 11% compared to the third quarter of 2025.

International Third Quarter Results

• Total revenue was $399.5 million in the third quarter of 2026, up 9% and up 7% compared to the third quarter of 2025 on a reported and local currency basis, respectively. Operating margin for International was 15.8% in the third quarter of 2026, flat compared to the third quarter of 2025. Adjusted EBITDA margin for International was 30.9% in the third quarter of 2026 compared to 31.3% in the third quarter of 2025.
• Latin America revenue was $114.1 million, up 12% compared to the third quarter of 2025 on a reported basis and up 8% on a local currency basis.
• Europe revenue was $105.5 million, up 3% compared to the third quarter of 2025 on a reported basis and up 4% on a local currency basis.
• Asia Pacific revenue was $107.7 million, up 20% compared to the third quarter of 2025 on a reported basis and up 12% on a local currency basis.
• Canada revenue was $72.2 million, up 2% compared to the third quarter of 2025 on a reported basis and up 4% on a local currency basis.

Adjusted EPS and Adjusted EBITDA Margin

• Adjusted EPS attributable to Equifax was $2.26 in the third quarter of 2026, up 11% compared to the third quarter of 2025.
• Adjusted EBITDA margin was 33.1% in the third quarter of 2026, up compared to 32.7% in the third quarter of 2025.
• These financial measures exclude certain items as described further in the Non-GAAP Financial Measures section below.

2026 Fourth Quarter and Full Year Guidance
	Q4 2026				FY 2026
	Low-End		High-End		Low-End		High-End
Reported Revenue	$1.605 billion		$1.635 billion		$6.646 billion		$6.676 billion
Reported Revenue Growth	3.5 %		5.4 %		9.4 %		9.9 %
Local Currency Growth (1)	3.1 %		5.0 %		8.5 %		9.0 %
Organic Local Currency Growth (1)	3.0 %		4.9 %		8.4 %		8.9 %
Adjusted Earnings Per Share	$2.07 per share		$2.17 per share		$8.45 per share		$8.55 per share

(1) Refer to page 9 for definitions. Additionally, the definitions can be found in the Non-GAAP Financial Measures below.

About Equifax

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 over 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.

Earnings Conference Call and Audio Webcast

In conjunction with this release, Equifax will host a conference call on October 20, 2026 at 8:30 a.m. (ET) via a live audio webcast. To access the webcast and related presentation materials, go to the Investor Relations section of our website at www.equifax.com. The discussion will be available via replay at the same site shortly after the conclusion of the webcast. This press release is also available at that website.

Non-GAAP Financial Measures

This earnings release presents adjusted EPS attributable to Equifax which is diluted EPS attributable to Equifax adjusted (to the extent noted above for different periods) for acquisition-related amortization expense of certain acquired intangibles, accrual for legal and regulatory matters related to the 2017 cybersecurity incident, foreign currency impact of certain intercompany loans, acquisition-related costs other than acquisition amortization, income tax effect of stock awards recognized upon vesting or settlement, Argentina highly inflationary foreign currency adjustment, realignment of resources and other costs and antitrust litigation costs. All adjustments are net of tax, with a reconciling item with the aggregated tax impact of the adjustments. This earnings release also presents (i) adjusted EBITDA and adjusted EBITDA margin, which is defined as consolidated net income attributable to Equifax plus net interest expense, income taxes, depreciation and amortization, and also excludes certain one-time items, (ii) local currency revenue change, which is calculated by conforming 2026 results using 2025 exchange rates, (iii) organic local currency revenue growth, which is defined as local currency revenue growth, adjusted to reflect an increase in prior year Equifax revenue from the revenue of acquired companies in the prior year period, (iv) free cash flow, which is defined as cash provided by operating activities less capital expenditures, and (v) cash conversion, which is defined as the ratio of free cash flow to adjusted net income. These are important financial measures for Equifax but are not financial measures as defined by GAAP.

These non-GAAP financial measures should be reviewed in conjunction with the relevant GAAP financial measures and are not presented as an alternative measure of net income or EPS as determined in accordance with GAAP.

Reconciliations of these non-GAAP financial measures to the most directly comparable GAAP financial measures and related notes are presented in the Q&A. This information can also be found under "Investor Relations/Financial Information/Non-GAAP Financial Measures" on our website at www.equifax.com. 

Forward-Looking Statements

This release contains forward-looking statements and forward-looking information. These statements can be identified by expressions of belief, expectation or intention, as well as statements that are not historical fact. These statements are based on certain factors and assumptions including with respect to foreign exchange rates, revenue growth, results of operations and financial performance, strategic initiatives, business plans, prospects and opportunities, the U.S. mortgage market, economic conditions and effective tax rates.

While Equifax believes these factors and assumptions to be reasonable based on information currently available, they may prove to be incorrect. Several factors could cause actual results to differ materially from those expressed or implied in the forward-looking statements. These factors relate to (i) actions taken by us, including, but not limited to, restructuring actions, strategic initiatives (such as our cloud technology transformation), capital investments and asset acquisitions or dispositions, as well as (ii) developments beyond our control, including, but not limited to, changes in the U.S. mortgage market environment and changes more generally in U.S. and worldwide economic conditions (including resulting from changes in interest rates and inflation levels, the evolving impact of tariffs and geopolitical conflicts) that materially impact consumer spending, home prices, investment values, consumer debt, unemployment rates and the demand for Equifax's products and services. Deteriorations in economic conditions or increases in interest rates could lead to a decline in demand for our products and services and negatively impact our business. It may also impact financial markets and corporate credit markets, which could adversely impact our access to financing or the terms of any financing.

Other risk factors relevant to our business include: (i) any compromise of Equifax, customer or consumer information due to security breaches and other disruptions to our information technology infrastructure; (ii) the failure to achieve and maintain key industry or technical certifications; (iii) the failure to realize the anticipated benefits of our cloud technology transformation strategy; (iv) operational disruptions and strain on our resources caused by our transition to cloud-based technologies; (v) our ability to meet customer requirements for high system availability and response time performance; (vi) effects on our business if we provide inaccurate or unreliable data to customers; (vii) our ability to maintain access to credit, employment, financial and other data from external sources; (viii) the impact of competition; (ix) our ability to maintain relationships with key customers and business partners; (x) our ability to successfully introduce new products, services and analytical capabilities; (xi) the impact on the demand for some of our products and services due to the availability of free or less expensive consumer information; (xii) our ability to comply with our obligations under settlement agreements arising out of a material cybersecurity incident in 2017; (xiii) potential adverse developments in new and pending legal proceedings, government investigations and regulatory enforcement actions; (xiv) changes in, and the effects of, laws, regulations and government policies governing our business, including oversight by the Consumer Financial Protection Bureau in the U.S., the U.K. Financial Conduct Authority and Information Commissioner's Office in the U.K., and the Office of Australian Information Commission and the Australian Competition and Consumer Commission in Australia; (xv) the impact of privacy, cybersecurity, artificial intelligence or other data-related laws and regulations; (xvi) the economic, political and other risks associated with international sales and operations; (xvii) the impact on our reputation and business from our responsible business commitments and disclosures; (xviii) our ability to realize the anticipated strategic and financial benefits from our acquisitions, joint ventures and other alliances; (xix) any damage to our reputation due to our dependence on outsourcing certain portions of our operations; (xx) the termination or suspension of our government contracts; (xxi) the impact of infringement or misappropriation of intellectual property by us against third parties or by third parties against us; (xxii) an increase in our cost of borrowing and our ability to access the capital markets due to a credit rating downgrade; (xxiii) our ability to hire and retain key personnel; (xxiv) the impact of adverse changes in the financial markets and corresponding effects on our retirement and post-retirement pension plans; (xxv) the impact of health epidemics, pandemics and similar outbreaks on our business; and (xxvi) risks associated with our use of certain artificial intelligence and machine learning models and systems.

A summary of additional risks and uncertainties can be found in our Annual Report on Form 10-K for the year ended December 31, 2025 including without limitation under the captions "Item 1. Business -- Governmental Regulation," "-- Forward-Looking Statements" and "Item 1A. Risk Factors" and in our other filings with the U.S. Securities and Exchange Commission. Forward-looking statements are given only as at the date of this release and Equifax disclaims any obligation to update or revise the forward-looking statements, whether as a result of new information, future events or otherwise, except as required by law.

EQUIFAX INC. CONSOLIDATED STATEMENTS OF INCOME
		Three Months Ended September 30,
		2026		2025
(In millions, except per share amounts)
Operating revenue		$           1,692.5		$           1,544.9
Operating expenses:
Cost of services (exclusive of depreciation and amortization below)		752.4		663.2
Selling, general and administrative expenses		390.4		434.1
Depreciation and amortization		194.4		183.3
Total operating expenses		1,337.2		1,280.6
Operating income		355.3		264.3
Interest expense		(62.3)		(52.2)
Other income, net		3.8		3.2
Consolidated income before income taxes		296.8		215.3
Provision for income taxes		(83.4)		(53.8)
Consolidated net income		213.4		161.5
Less: Net income attributable to noncontrolling interests including redeemable noncontrolling interests		(1.7)		(1.3)
Net income attributable to Equifax		$             211.7		$             160.2
Basic earnings per common share:
Net income attributable to Equifax		$               1.80		$               1.30
Weighted-average shares used in computing basic earnings per share		117.3		123.1
Diluted earnings per common share:
Net income attributable to Equifax		$               1.79		$               1.29
Weighted-average shares used in computing diluted earnings per share		118.1		124.1
Dividends per common share		$               0.56		$               0.50

 

EQUIFAX INC. CONDENSED CONSOLIDATED BALANCE SHEETS
		September 30, 2026		December 31, 2025
(In millions, except par values)		(Unaudited)
ASSETS
Current assets:
Cash and cash equivalents		$              192.9		$             180.8
Trade accounts receivable, net of allowance for doubtful accounts of $17.9 and $20.2 at September 30, 2026 and December 31, 2025, respectively		1,104.2		1,012.7
Prepaid expenses		147.5		144.2
Other current assets		142.0		74.5
Total current assets		1,586.6		1,412.2
Property and equipment:
Capitalized internal-use software and system costs		3,002.3		3,098.2
Data processing equipment and furniture		230.9		239.3
Land, buildings and improvements		297.8		299.6
Total property and equipment		3,531.0		3,637.1
Less accumulated depreciation and amortization		(1,607.9)		(1,704.7)
Total property and equipment, net		1,923.1		1,932.4
Goodwill		6,809.4		6,745.7
Indefinite-lived intangible assets		94.7		94.8
Purchased intangible assets, net		1,165.8		1,331.3
Other assets, net		357.5		347.8
Total assets		$           11,937.1		$          11,864.2
LIABILITIES AND EQUITY
Current liabilities:
Short-term debt and current maturities of long-term debt		$              157.7		$           1,038.0
Accounts payable		115.3		206.4
Accrued expenses		300.7		276.3
Accrued salaries and bonuses		228.6		286.1
Deferred revenue		112.8		101.2
Other current liabilities		544.7		427.4
Total current liabilities		1,459.8		2,335.4
Long-term debt		5,049.0		4,055.3
Deferred income tax liabilities, net		459.9		390.8
Long-term pension and other postretirement benefit liabilities		100.9		103.4
Other long-term liabilities		253.4		241.1
Total liabilities		7,323.0		7,126.0
Redeemable noncontrolling interests		120.8		114.4
Equifax shareholders' equity:
Preferred stock, $0.01 par value: Authorized shares - 10.0; Issued shares - none		—		—
Common stock, $1.25 par value: Authorized shares - 300.0; Issued shares - 189.3 at September 30, 2026 and December 31, 2025; Outstanding shares - 117.1 and 120.4 at September 30, 2026 and December 31, 2025, respectively		236.6		236.6
Paid-in capital		2,100.5		2,023.4
Retained earnings		6,811.9		6,445.1
Accumulated other comprehensive loss		(441.2)		(517.1)
Treasury stock, at cost, 71.6 and 68.3 shares at September 30, 2026 and December 31, 2025, respectively		(4,229.1)		(3,577.8)
Stock held by employee benefits trusts, at cost, 0.6 shares at September 30, 2026 and December 31, 2025		(5.9)		(5.9)
Total Equifax shareholders' equity		4,472.8		4,604.3
Noncontrolling interests		20.5		19.5
Total shareholders' equity		4,493.3		4,623.8
Total liabilities, redeemable noncontrolling interests, and shareholders' equity		$           11,937.1		$          11,864.2

 

EQUIFAX INC. CONSOLIDATED STATEMENTS OF CASH FLOWS
		Nine Months Ended September 30,
		2026		2025
(In millions)		(Unaudited)
Operating activities:
Consolidated net income		$            571.8		$            487.9
Adjustments to reconcile consolidated net income to net cash provided by operating activities:
Depreciation and amortization		572.6		540.8
Stock-based compensation expense		74.5		63.9
Deferred income taxes		73.5		29.6
Gain on sale of equity investment		—		(0.8)
Changes in assets and liabilities, excluding effects of acquisitions:
Accounts receivable, net		(91.7)		(45.6)
Other assets, current and long-term		(95.7)		(10.3)
Current and long term liabilities, excluding debt		37.1		79.4
Cash provided by operating activities		1,142.1		1,144.9
Investing activities:
Capital expenditures		(378.9)		(351.4)
Cash received from divestitures		—		0.8
Cash used in investing activities		(378.9)		(350.6)
Financing activities:
Net short-term payments		(604.8)		(204.1)
Payments on long-term debt		(276.4)		—
Proceeds from issuance of long-term debt		998.1		1.7
Treasury stock purchases		(652.0)		(427.4)
Payment of share repurchase excise tax		(8.3)		—
Dividends paid to Equifax shareholders		(199.4)		(172.0)
Distributions paid to noncontrolling interests		(5.6)		(6.2)
Proceeds from exercise of stock options and employee stock purchase plan		23.8		38.1
Payment of taxes related to settlement of equity awards		(15.7)		(13.6)
Debt issuance costs		(7.9)		—
Cash used in financing activities		(748.2)		(783.5)
Effect of foreign currency exchange rates on cash and cash equivalents		(2.9)		8.3
Increase in cash and cash equivalents		12.1		19.1
Cash and cash equivalents, beginning of period		180.8		169.9
Cash and cash equivalents, end of period		$            192.9		$            189.0

 

Common Questions & Answers (Unaudited) (Dollars in millions)   1.    Can you provide a further analysis of operating revenue by operating segment?   Operating revenue consists of the following components:
(In millions)		Three Months Ended September 30,
										Local Currency		Organic Local Currency
Operating revenue:		2026		2025		$ Change		% Change		% Change (1)		% Change (2)
Verification Services		$          603.2		$          553.6		$        49.6		9 %				9 %
Employer Services		90.7		95.8		(5.1)		(5) %				(5) %
Total Workforce Solutions		693.9		649.4		44.5		7 %				7 %
Online Information Solutions		529.7		467.5		62.2		13 %				13 %
Financial Marketing Services		69.4		62.7		6.7		11 %				11 %
Total U.S. Information Solutions		599.1		530.2		68.9		13 %				13 %
Latin America		114.1		102.1		12.0		12 %		8 %		8 %
Europe		105.5		102.3		3.2		3 %		4 %		4 %
Asia Pacific		107.7		90.1		17.6		20 %		12 %		12 %
Canada		72.2		70.8		1.4		2 %		4 %		4 %
Total International		399.5		365.3		34.2		9 %		7 %		7 %
Total operating revenue		$        1,692.5		$        1,544.9		$       147.6		10 %		9 %		9 %

(1)	Local currency revenue change is calculated by conforming 2026 results using 2025 exchange rates.
(2)	Organic local currency revenue growth is defined as local currency revenue growth, adjusted to reflect an increase in prior year Equifax revenue from the revenue of acquired companies in the prior year period. This adjustment is made for 12 months following the acquisition.

 

Reconciliations of Non-GAAP Financial Measures to the Comparable GAAP Financial Measures (Unaudited)   (Dollars in millions, except per share amounts)   A.    Reconciliation of net income attributable to Equifax to adjusted net income attributable to Equifax and adjusted diluted EPS attributable to Equifax, defined as net income and EPS, respectively, each adjusted for acquisition-related amortization expense of certain acquired intangibles, accrual for legal and regulatory matters related to the 2017 cybersecurity incident, foreign currency impact of certain intercompany loans, acquisition-related costs other than acquisition amortization, income tax effect of stock awards recognized upon vesting or settlement, Argentina highly inflationary foreign currency adjustment, realignment of resources and other costs, antitrust litigation costs and aggregated tax impact of these adjustments:

		Three Months Ended September 30,
(In millions, except per share amounts)		2026		2025		$ Change		% Change
Net income attributable to Equifax		$          211.7		$          160.2		$      51.5		32 %
Acquisition-related amortization expense of certain acquired intangibles (1)		59.9		62.7		(2.8)		(4) %
Accrual for legal and regulatory matters related to the 2017 cybersecurity incident (2)		0.2		0.3		(0.1)		(33) %
Foreign currency impact of certain intercompany loans (3)		—		(0.1)		0.1		nm
Acquisition-related costs other than acquisition amortization (4)		8.9		8.9		—		— %
Income tax effects of stock awards that are recognized upon vesting or settlement (5)		—		(0.5)		0.5		nm
Argentina highly inflationary foreign currency adjustment (6)		0.4		0.7		(0.3)		(43) %
Realignment of resources and other costs (7)		—		43.9		(43.9)		nm
Antitrust litigation costs (8)		0.8		4.3		(3.5)		(81) %
Tax impact of adjustments (9)		(14.5)		(27.5)		13.0		(47) %
Adjusted net income attributable to Equifax		$          267.4		$          252.9		$      14.5		6 %
Adjusted diluted EPS attributable to Equifax		$           2.26		$           2.04		$      0.22		11 %
Weighted-average shares used in computing diluted EPS		118.1		124.1

nm - not meaningful
(1)	During the third quarter of 2026, we recorded acquisition-related amortization expense of certain acquired intangibles of $59.9 million ($48.0 million, net of tax). We calculate this financial measure by excluding the impact of acquisition-related amortization expense and including a benefit to reflect the significant cash income tax savings resulting from the income tax deductibility of amortization for certain acquired intangibles. The $11.9 million of tax is comprised of $15.9 million of tax expense, net of $4.0 million of a cash income tax benefit. During the third quarter of 2025, we recorded acquisition-related amortization expense of certain acquired intangibles of $62.7 million ($50.2 million, net of tax). The $12.5 million of tax is comprised of $16.7 million of tax expense, net of $4.2 million of a cash income tax benefit. See the Notes to this reconciliation for additional detail.
(2)	During the third quarter of 2026 and 2025, we recorded an accrual for legal and regulatory matters related to the 2017 cybersecurity incident of $0.2 million ($0.2 million, net of tax) and $0.3 million ($0.2 million, net of tax), respectively. See the Notes to this reconciliation for additional detail.
(3)	During the third quarter of 2025, we recorded a foreign currency gain of $0.1 million on certain intercompany loans. The impact was recorded to the Other income, net line item within the Consolidated Statements of Income. See the Notes to this reconciliation for additional detail.
(4)	During the third quarter of 2026 and 2025, we recorded $8.9 million ($6.4 million, net of tax) and $8.9 million ($6.2 million, net of tax), respectively, for acquisition-related costs other than acquisition amortization. These costs primarily related to integration costs resulting from recent acquisition activity and were recorded in operating income. See the Notes to this reconciliation for additional detail.
(5)	During the third quarter of 2025, we recorded a tax benefit of $0.5 million related to the tax effects of deductions for stock compensation in excess of amounts recorded for compensation costs. See the Notes to this reconciliation for additional detail.
(6)	Argentina experienced multiple periods of increasing inflation rates, devaluation of the peso, and increasing borrowing rates. As such, Argentina was deemed a highly inflationary economy by accounting policymakers. During the third quarter of 2026 and 2025, we recorded a foreign currency loss of $0.4 million and $0.7 million, respectively, related to the impact of remeasuring the peso denominated monetary assets and liabilities as a result of Argentina being a highly inflationary economy. See the Notes to this reconciliation for additional detail.
(7)	During the third quarter of 2025, we recorded $43.9 million ($32.8 million, net of tax) of restructuring charges for the realignment of resources and other costs, which predominantly related to the reduction of headcount to support the Company's global strategic objectives. See the Notes to this reconciliation for additional detail.
(8)	During the third quarter of 2026 and 2025, we recorded costs related to antitrust litigation pertaining to our Workforce Solutions business unit in the amount of $0.8 million ($0.7 million, net of tax) and $4.3 million ($3.2 million, net of tax), respectively. See the Notes to this reconciliation for additional detail.
(9)	During the third quarter of 2026, we recorded the tax impact of adjustments of $14.5 million comprised of (i) acquisition-related amortization expense of certain acquired intangibles of $11.9 million ($15.9 million of tax expense, net of $4.0 million of cash income tax benefit), (ii) a tax adjustment of $2.5 million related to acquisition-related costs other than acquisition amortization and (iii) a tax adjustment of $0.1 million related to antitrust litigation costs.
	During the third quarter of 2025, we recorded the tax impact of adjustments of $27.5 million comprised of (i) acquisition-related amortization expense of certain acquired intangibles of $12.5 million ($16.7 million of tax expense, net of $4.2 million of cash income tax benefit), (ii) a tax adjustment of $0.1 million related to an accrual for legal and regulatory matters related to the 2017 cybersecurity incident, (iii) a tax adjustment of $2.7 million related to acquisition-related costs other than acquisition amortization, (iv) a tax adjustment of $11.1 million related to restructuring charges, and (v) a tax adjustment of $1.1 million related to antitrust litigation costs.

 

B.    Reconciliation of net income attributable to Equifax to adjusted EBITDA, defined as net income excluding income taxes, interest expense, net, depreciation and amortization expense, accrual for legal and regulatory matters related to the 2017 cybersecurity incident, foreign currency impact of certain intercompany loans, acquisition-related costs other than acquisition amortization, Argentina highly inflationary foreign currency adjustment, realignment of resources and other costs, antitrust litigation costs and presentation of adjusted EBITDA margin:

		Three Months Ended September 30,
(In millions)		2026		2025		$ Change		% Change
Revenue		$      1,692.5		$      1,544.9		$     147.6		10 %
Net income attributable to Equifax		$       211.7		$        160.2		$      51.5		32 %
Income taxes		83.4		53.8		29.6		55 %
Interest expense, net*		60.4		49.5		10.9		22 %
Depreciation and amortization		194.4		183.3		11.1		6 %
Accrual for legal and regulatory matters related to 2017 cybersecurity incident (1)		0.2		0.3		(0.1)		(33) %
Foreign currency impact of certain intercompany loans (2)		—		(0.1)		0.1		nm
Acquisition-related costs other than acquisition amortization (3)		8.9		8.9		—		— %
Argentina highly inflationary foreign currency adjustment (4)		0.4		0.7		(0.3)		(43) %
Realignment of resources and other costs (5)		—		43.9		(43.9)		nm
Antitrust litigation costs (6)		0.8		4.3		(3.5)		(81) %
Adjusted EBITDA, excluding the items listed above		$       560.2		$        504.8		$      55.4		11 %
Adjusted EBITDA margin		33.1 %		32.7 %

nm - not meaningful
*Excludes interest income of $1.9 million in the third quarter of 2026 and $2.7 million in the third quarter of 2025.
(1)	During the third quarter of 2026 and 2025, we recorded an accrual for legal and regulatory matters related to the 2017 cybersecurity incident of $0.2 million ($0.2 million, net of tax) and $0.3 million ($0.2 million, net of tax), respectively. See the Notes to this reconciliation for additional detail.
(2)	During the third quarter of 2025, we recorded a foreign currency gain of $0.1 million on certain intercompany loans. The impact was recorded to the Other income, net line item within the Consolidated Statements of Income. See the Notes to this reconciliation for additional detail.
(3)	During the third quarter of 2026 and 2025, we recorded $8.9 million ($6.4 million, net of tax) and $8.9 million ($6.2 million, net of tax), respectively, for acquisition-related costs other than acquisition amortization. These costs primarily related to integration costs resulting from recent acquisition activity and were recorded in operating income. See the Notes to this reconciliation for additional detail.
(4)	Argentina experienced multiple periods of increasing inflation rates, devaluation of the peso, and increasing borrowing rates. As such, Argentina was deemed a highly inflationary economy by accounting policymakers. During the third quarter of 2026 and 2025, we recorded a foreign currency loss of $0.4 million and $0.7 million, respectively, related to the impact of remeasuring the peso denominated monetary assets and liabilities as a result of Argentina being a highly inflationary economy. See the Notes to this reconciliation for additional detail.
(5)	During the third quarter of 2025, we recorded $43.9 million ($32.8 million, net of tax) of restructuring charges for the realignment of resources and other costs, which predominantly related to the reduction of headcount to support the Company's global strategic objectives. See the Notes to this reconciliation for additional detail.
(6)	During the third quarter of 2026 and 2025, we recorded costs related to antitrust litigation pertaining to our Workforce Solutions business unit in the amount of $0.8 million ($0.7 million, net of tax) and $4.3 million ($3.2 million, net of tax), respectively. See the Notes to this reconciliation for additional detail.

C.    Reconciliation of operating income by segment to Adjusted EBITDA, excluding depreciation and amortization expense, other income, net, noncontrolling interest, accrual for legal and regulatory matters related to the 2017 cybersecurity incident, foreign currency impact of certain intercompany loans, acquisition-related costs other than acquisition amortization, Argentina highly inflationary foreign currency adjustment, realignment of resources and other costs, antitrust litigation costs and presentation of adjusted EBITDA margin for each of the segments:

(In millions)	Three Months Ended September 30, 2026
		Workforce Solutions		U.S. Information Solutions		International			General Corporate Expense		Total
Revenue		$       693.9		$       599.1		$       399.5			—		$     1,692.5
Operating income		306.3		145.4		63.1			(159.5)		355.3
Depreciation and amortization		50.3		66.0		52.6			25.5		194.4
Other (expense) income, net*		(0.1)		0.5		2.5			(1.0)		1.9
Noncontrolling interest		—		—		(1.7)			—		(1.7)
Adjustments (1)		0.4		—		7.1			2.8		10.3
Adjusted EBITDA		$       356.9		$       211.9		$       123.6			$        (132.2)		$       560.2
Operating margin		44.1 %		24.3 %		15.8 %			nm		21.0 %
Adjusted EBITDA margin		51.4 %		35.4 %		30.9 %			nm		33.1 %

nm - not meaningful

*Excludes interest income of $1.3 million in International and $0.6 million in General Corporate Expense.

(In millions)		Three Months Ended September 30, 2025
		Workforce Solutions		U.S. Information Solutions		International			General Corporate Expense		Total
Revenue		$       649.4		$        530.2		$        365.3			—		$      1,544.9
Operating income		284.5		123.3		57.7			(201.2)		264.3
Depreciation and amortization		47.2		62.8		48.1			25.2		183.3
Other income (expense), net*		—		0.6		0.8			(0.9)		0.5
Noncontrolling interest		—		—		(1.3)			—		(1.3)
Adjustments (1)		1.0		(0.1)		9.1			48.0		58.0
Adjusted EBITDA		$       332.7		$        186.6		$        114.4			$        (128.9)		$        504.8
Operating margin		43.8 %		23.2 %		15.8 %			nm		17.1 %
Adjusted EBITDA margin		51.2 %		35.2 %		31.3 %			nm		32.7 %

nm - not meaningful
*Excludes interest income of $2.4 million in International and $0.3 million in General Corporate Expense.
(1)	During the third quarter of 2026, we recorded pre-tax expenses of $0.2 million for an accrual for legal and regulatory matters related to the 2017 cybersecurity incident, $8.9 million for acquisition-related costs other than acquisition amortization, $0.4 million for a foreign currency loss related to the impact of remeasuring the peso denominated monetary assets and liabilities as a result of Argentina being a highly inflationary economy and $0.8 million of antitrust litigation costs.
	During the third quarter of 2025, we recorded pre-tax expenses of $0.3 million for an accrual for legal and regulatory matters related to the 2017 cybersecurity incident, a $0.1 million foreign currency gain on certain intercompany loans, $8.9 million for acquisition-related costs other than acquisition amortization, a foreign currency loss of $0.7 million related to the impact of remeasuring the peso denominated monetary assets and liabilities as a result of Argentina being a highly inflationary economy, $43.9 million of restructuring charges for the realignment of resources and other costs and $4.3 million of antitrust litigation costs.

Notes to Reconciliations of Non-GAAP Financial Measures to the Comparable GAAP Financial Measures

Diluted EPS attributable to Equifax is adjusted for the following items:

Acquisition-related amortization expense - During the third quarter of 2026 and 2025, we recorded acquisition-related amortization expense of certain acquired intangibles of $59.9 million ($48.0 million, net of tax) and $62.7 million ($50.2 million, net of tax), respectively. We calculate this financial measure by excluding the impact of acquisition-related amortization expense and including a benefit to reflect the material cash income tax savings resulting from the income tax deductibility of amortization for certain acquired intangibles. These financial measures are not prepared in conformity with GAAP. Management believes excluding the impact of amortization expense is useful because excluding acquisition-related amortization, and other items that are not comparable, allows investors to evaluate our performance for different periods on a more comparable basis. Certain acquired intangibles result in material cash income tax savings which are not reflected in earnings. Management believes that including a benefit to reflect the cash income tax savings is useful as it allows investors to better value Equifax. Management makes these adjustments to earnings when measuring profitability, evaluating performance trends, setting performance objectives and calculating our return on invested capital.

Accrual for legal and regulatory matters related to the 2017 cybersecurity incident - Accrual for legal and regulatory matters related to the 2017 cybersecurity incident includes legal fees to respond to subsequent litigation and government investigations for both periods presented. During the third quarter of 2026 and 2025, we recorded an accrual for legal and regulatory matters related to the 2017 cybersecurity incident of $0.2 million ($0.2 million, net of tax) and $0.3 million ($0.2 million, net of tax), respectively. Management believes excluding these charges is useful as it allows investors to evaluate our performance for different periods on a more comparable basis. Management makes these adjustments to net income when measuring profitability, evaluating performance trends, setting performance objectives and calculating our return on invested capital. This is consistent with how management reviews and assesses Equifax's historical performance and is useful when planning, forecasting and analyzing future periods.

Foreign currency impact of certain intercompany loans - During the third quarter of 2025, we recorded a foreign currency gain of $0.1 million on certain intercompany loans. Management believes excluding this charge is useful as it allows investors to evaluate our performance for different periods on a more comparable basis. This is consistent with how management reviews and assesses Equifax's historical performance and is useful when planning, forecasting and analyzing future periods.

Acquisition-related costs other than acquisition amortization - During the third quarter of 2026 and 2025, we recorded $8.9 million ($6.4 million, net of tax) and $8.9 million ($6.2 million, net of tax), respectively, for acquisition-related costs other than acquisition amortization. These costs primarily related to transaction and integration costs resulting from recent acquisitions and were recorded in operating income. Management believes excluding this charge from certain financial results provides meaningful supplemental information regarding our financial results, since a charge of such an amount is not comparable among the periods. This is consistent with how our management reviews and assesses Equifax's historical performance and is useful when planning, forecasting, and analyzing future periods.

Income tax effects of stock awards that are recognized upon vesting or settlement - During the third quarter of 2025, we recorded a tax benefit of $0.5 million related to the tax effects of deductions for stock compensation in excess of amounts recorded for compensation costs. Management believes excluding this tax effect from financial results provides meaningful supplemental information regarding our financial results for the three months ended September 30, 2025 because these amounts are non-operating and relate to income tax benefits or deficiencies for stock awards recognized when tax amounts differ from recognized stock compensation cost. This is consistent with how management reviews and assesses Equifax's historical performance and is useful when planning, forecasting and analyzing future periods.

Argentina highly inflationary foreign currency adjustment - Argentina experienced multiple periods of increasing inflation rates, devaluation of the peso, and increasing borrowing rates. As such, Argentina was deemed a highly inflationary economy by accounting policymakers. We recorded a foreign currency loss of $0.4 million and $0.7 million during the third quarter of 2026 and 2025, respectively, as a result of remeasuring the peso denominated monetary assets and liabilities due to Argentina being highly inflationary. Management believes excluding this charge is useful as it allows investors to evaluate our performance for different periods on a more comparable basis. This is consistent with how management reviews and assesses Equifax's historical performance and is useful when planning, forecasting and analyzing future periods.

Charge related to the realignment of resources and other costs - During the third quarter of 2025, we recorded $43.9 million ($32.8 million, net of tax) of restructuring charges for the realignment of resources and other costs, which predominantly related to the reduction of headcount to support the Company's global strategic objectives. Management believes excluding these charges from certain financial results provides meaningful supplemental information regarding our financial results since a charge of such an amount is not comparable among the periods. This is consistent with how our management reviews and assesses Equifax's historical performance and is useful when planning, forecasting and analyzing future periods.

Antitrust litigation costs - Antitrust litigation costs include legal fees to respond to antitrust litigation pertaining to our Workforce Solutions business unit. During the third quarter of 2026 and 2025, we recorded costs related to antitrust litigation pertaining to our Workforce Solutions business unit in the amount of $0.8 million ($0.7 million, net of tax) and $4.3 million ($3.2 million, net of tax), respectively. Management believes excluding these charges is useful as it allows investors to evaluate our performance for different periods on a more comparable basis, as these legal matters are outside of the normal course of Equifax's continuing business operations. Management makes these adjustments to net income when measuring profitability, evaluating performance trends, setting performance objectives and calculating our return on invested capital. This is consistent with how management reviews and assesses Equifax's historical performance and is useful when planning, forecasting and analyzing future periods.

Adjusted EBITDA and EBITDA margin - Management defines adjusted EBITDA as consolidated net income attributable to Equifax plus net interest expense, income taxes, depreciation and amortization, and also excludes certain one-time items. Management believes the use of adjusted EBITDA and adjusted EBITDA margin allows investors to evaluate our performance for different periods on a more comparable basis.

Contact:
Trevor Burns	Kate Walker
Investor Relations	Media Relations
trevor.burns@equifax.com	mediainquiries@equifax.com

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SOURCE Equifax Inc.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What were Equifax's third-quarter 2026 earnings and revenue?

Equifax reported $1.693 billion in revenue and $1.79 in diluted EPS for the quarter ended September 30, 2026. Revenue increased 10% and diluted EPS rose 39% from the prior-year quarter. Net income attributable to Equifax increased 32% to $211.7 million.

What is Equifax's updated full-year 2026 guidance?

Equifax expects 2026 revenue of $6.646–$6.676 billion and adjusted EPS of $8.45–$8.55. The revenue range represents reported growth of 9.4%–9.9%. The company reduced its revenue and adjusted EPS midpoints because it expects the weaker U.S. mortgage market to continue through the remainder of 2026.

How does Equifax define local currency and organic local currency revenue growth?

Equifax calculates local currency revenue growth using 2025 exchange rates for 2026 results. Organic local currency growth also adjusts prior-year Equifax revenue to include acquired companies' revenue from that prior-year period.