Equifax Launches Employment Insights Solutions for Auto Dealers

Rhea-AI Summary

Equifax (NYSE: EFX) launched two Employment Insights solutions on January 28, 2026 to give auto dealers verified employment and income data alongside the Equifax Consumer Credit Report.

The offerings target prequalification and financing stages, using data from The Work Number to speed decisions, improve DTI/PTI confidence, and help validate applications at deal close.

Positive

• Two solutions target distinct auto dealer stages: prequalification and financing
• Integrates verified employment and income from The Work Number
• Aims to improve DTI/PTI accuracy and accelerate loan decisions for dealers

Negative

• No pricing, geographic rollout, or adoption timeline disclosed
• Press release includes no financial guidance or quantified revenue impact

Key Figures

New solutions launched: 2 solutions

1 metrics

New solutions launched 2 solutions Employment Insights offerings for auto dealers

Market Reality Check

Price: $204.00 Vol: Volume 1,473,460 is sligh...

normal vol

$204.00 Last Close

Volume Volume 1,473,460 is slightly below the 20-day average of 1,550,253 (relative volume 0.95). normal

Technical Price at 205.33 trades below the 200-day MA of 239.84, about 26.95% below the 52-week high of 281.07 and 2.68% above the 52-week low of 199.98.

Peers on Argus

EFX fell 3.01% while key peers were mixed: VRSK (-0.95%), BAH (+1.24%), FCN (-1....

EFX fell 3.01% while key peers were mixed: VRSK (-0.95%), BAH (+1.24%), FCN (-1.65%), HURN (-0.31%), and RBA (+0.35%). No peers appeared in momentum scanners, supporting a stock-specific move.

Historical Context

5 past events · Latest: Jan 26 (Positive)

Pattern 5 events

Date	Event	Sentiment	Move	Catalyst
Jan 26	Product launch	Positive	+2.3%	Introduced Income Confirm using The Work Number for credit card decisioning.
Jan 23	Product launch	Positive	-2.0%	Launched AI-powered Synthetic Identity Risk fraud detection solution.
Jan 21	Earnings date set	Neutral	+1.0%	Announced Q4 2025 earnings release and conference call schedule.
Jan 16	Data release	Positive	+0.2%	Released Q3 2025 Market Pulse Index showing improved consumer metrics.
Dec 17	IP portfolio update	Positive	+0.6%	Reported 27 new H2 2025 patents and nearly 700 issued or pending.

Pattern Detected

Recent product and data-focused announcements have generally seen modest positive price reactions, with one notable divergence where product news coincided with a decline.

Recent Company History

Over the past months, Equifax has highlighted product innovation and data capabilities. On Jan 26, 2026, it launched Income Confirm using The Work Number, with shares up 2.26%. On Jan 23, 2026, an AI-powered Synthetic Identity Risk product launch saw a -2.03% move. Earlier, an earnings-date announcement on Feb 4, 2026 timing, a Market Pulse Index update, and news of 62 new patents in 2025 all drew small positive reactions. Today’s auto-focused Employment Insights launch fits this ongoing product-expansion theme.

Market Pulse Summary

This announcement extends Equifax’s use of The Work Number to auto lending, adding Employment Insigh...

Analysis

This announcement extends Equifax’s use of The Work Number to auto lending, adding Employment Insights at both prequalification and financing stages. It follows recent product launches and data releases that emphasized verified income, fraud detection, and consumer credit trends. With the stock trading below its 200-day MA of 239.84 and roughly 26.95% under its 52-week high of 281.07, investors may watch how adoption of these auto-focused tools contributes to growth alongside upcoming earnings on Feb 4, 2026.

Key Terms

debt-to-income (DTI), payment-to-income (PTI), identity validation

3 terms

debt-to-income (DTI) financial

"Gain confidence in debt-to-income (DTI) and payment-to-income (PTI) calculations..."

Debt-to-income (DTI) is the percentage of a person’s gross monthly income that goes toward recurring debt payments (like loans, credit cards, and mortgages); think of it as the slice of each paycheck already promised to bills. Investors watch DTI because higher ratios signal tighter consumer budgets and greater default risk, which can reduce demand, hurt loan performance, and raise borrowing costs for lenders and businesses.

payment-to-income (PTI) financial

"Gain confidence in debt-to-income (DTI) and payment-to-income (PTI) calculations..."

Payment-to-income (PTI) is the share of a borrower’s regular income that goes toward a specific loan payment, usually calculated as the monthly payment divided by monthly gross income. Investors use PTI to judge how stretched a borrower is—like seeing what portion of a paycheck is eaten by rent—and higher PTI ratios suggest greater risk of missed payments and poorer loan performance.

identity validation technical

"The report combines verified income and employment data with identity validation, so dealers can..."

Identity validation is the process of confirming that a person or organization is who they claim to be, typically by checking documents, databases, biometric data, or electronic records. For investors it matters because accurate identity checks reduce fraud, comply with regulations, and protect transactions and shareholder records—like a bank teller verifying ID before approving a withdrawal, it helps safeguard assets and preserve trust in the market.

AI-generated analysis. Not financial advice.

New Offerings Deliver Key Employment Information Alongside the Equifax Consumer Credit Report to Create a More Complete Financial Picture During Auto Loan Prequalification and Financing Processes

ATLANTA, Jan. 28, 2026 /PRNewswire/ -- Equifax^® (NYSE: EFX) today announced the launch of two new Employment Insights solutions designed to provide a more complete picture of a buyer's financial profile earlier in the car-buying process. Delivered alongside the Equifax Consumer Credit Report, the offerings provide auto dealers with access to verified data from The Work Number^®, the nation's largest centralized commercial database of employment and income information. 

The Employment Insights solutions offer information at two different points in the auto dealer workflow – prequalification and financing – to enable a faster, more reliable process. By leveraging The Work Number, the solutions help auto dealers move beyond self-reported data to make faster data-driven decisions based on verified consumer information.

"Today's car shoppers are more price sensitive than ever, so a delay in financing could easily result in a lost sale," said Lena Bourgeois, Senior Vice President and General Manager of Automotive Services at Equifax. "This makes it critical for auto dealers to quickly receive reliable information that helps them operate with confidence and close deals faster. With these new Employment Insights, dealers get proven income and job data, helping them verify what consumers report themselves. This allows them to make smarter decisions, lower their risk, and create a smoother, quicker loan approval process for consumers and dealerships."

Employment Insights for Prequalification

Delivered at the early shopping or prequalification stage, Employment Insights for Prequalification helps dealers better understand a buyer's purchasing power before a full credit application is submitted. The report includes the applicant's calculated total annual income and active employment record and tenure, allowing dealers to:

• Understand the potential buyer's purchasing power.
• Gain confidence in debt-to-income (DTI) and payment-to-income (PTI) calculations to offer right-sized deals.
• Tailor sales experiences based on the buyer's verified ability to pay.
• Customize offers based on the consumer's employment status and ability to pay.

Employment Insights for Financing

At the financing and deal-closure stage, Employment Insights for Financing helps dealers validate application information and reduce buyback risk. The report combines verified income and employment data with identity validation, so dealers can:

• Verify consumer employment status and tenure for stronger confidence in stated application information.
• Route applications more precisely based on consumer qualifications including verified income and employment.
• Align deal terms with the consumer's verified purchasing power.

For more information about Employment Insights solutions for auto dealers, please visit our website.

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: 
Tiffany Smith for Equifax  
mediainquiries@equifax.com 

 

View original content to download multimedia:https://www.prnewswire.com/news-releases/equifax-launches-employment-insights-solutions-for-auto-dealers-302672874.html

SOURCE Equifax Inc.

FAQ

What are Equifax Employment Insights for auto dealers (EFX) launched January 28, 2026?

They are two reports providing verified employment and income data for auto dealers to use at prequalification and financing stages. According to the company, the solutions pair The Work Number data with the Equifax Consumer Credit Report to speed and strengthen decisions.

How does Employment Insights for Prequalification (EFX) help auto dealers during car shopping?

It delivers calculated total annual income and active employment record early in the process to assess purchasing power. According to the company, dealers can better size offers and estimate DTI/PTI before a full credit application is submitted.

What does Employment Insights for Financing (EFX) provide at deal close?

It combines verified income, employment data, and identity validation to confirm applicant information and reduce buyback risk. According to the company, dealers can route and align deal terms based on verified purchasing power at financing.

Does Equifax (EFX) say where Employment Insights data comes from?

Yes, the data is sourced from The Work Number, described as the nation’s largest centralized commercial employment and income database. According to the company, this provides verified job and income records to supplement credit reports.

Will Employment Insights from Equifax (EFX) speed auto loan approvals?

The company says the solutions enable faster, more reliable decisions by verifying self-reported employment and income earlier. According to the company, this can reduce financing delays that risk losing prospective buyers during the sales process.

What investor details did Equifax (EFX) disclose about the Employment Insights launch?

The announcement describes product features but provides no pricing, rollout schedule, or revenue guidance. According to the company, more information is available on its website, with no quantified financial impact disclosed in the release.