Equifax Secures 27 New Patents in the Second Half of 2025

Rhea-AI Summary

Equifax (NYSE: EFX) secured 27 patents in H2 2025, bringing total new patents for 2025 to 62 and expanding its portfolio to nearly 700 issued or pending patents across 15 countries as of November 2025. Twenty of the new patents support the company's responsible AI approach and EFX.AI strategy, covering machine learning for data & analytics, risk modeling, identity verification, and secure access.

The company cites a multi-year, approximately $3 billion investment in The Equifax Cloud to accelerate cloud-native AI solutions, faster deployment, and product innovation.

Positive

• 62 patents secured in 2025
• 27 patents added in H2 2025
• 20 AI-focused patents supporting responsible AI
• Nearly 700 issued or pending patents across 15 countries
• Multi-year $3 billion investment in Equifax Cloud

Negative

• Multi-year $3 billion investment could pressure capital allocation

Key Figures

Patents H2 2025 27 patents Second half of 2025

Patents in 2025 62 patents Total new patents in 2025

Global IP portfolio Nearly 700 patents Issued or pending as of November 2025

Countries covered 15 countries Scope of issued or pending patents

Responsible AI patents More than 320 Pending and approved patents supporting responsible AI

Tech & security investment $3 billion Multi-year Equifax Cloud security and technology spend

New AI-related patents 20 patents H2 2025 patents supporting EFX.AI strategy

Countries served 24 countries Customers and consumers Equifax serves globally

Market Reality Check

$218.14 Last Close

Volume Volume 1,325,299 is below the 20-day average of 1,596,229 (relative volume 0.83), suggesting no outsized trading ahead of this AI patent news. normal

Technical Shares at $218.14 are trading below the 200-day MA of $242.62 and about 22.39% under the $281.07 52-week high, but still above the $199.98 52-week low.

Peers on Argus

EFX was up 0.7% while peers were mixed: BAH (+1.9%), RBA (+1.52%), FCN (+0.21%), and VRSK (-0.87%). No peers appeared in the momentum scanner, pointing to a company-specific AI and patent story.

Common Catalyst AI-related initiatives feature in peer FCN headlines, but there is no broad, synchronized sector move tied to today’s Equifax patent announcement.

Historical Context

Date	Event	Sentiment	Move	Catalyst
Dec 10	Product launch	Positive	+3.0%	Launch of Income Qualify and discounted VantageScore mortgage credit scores.
Dec 04	Survey insights	Positive	+0.7%	Social Services Outlook Index showing optimism and demand for automation.
Dec 01	Investor conferences	Neutral	-0.1%	Planned appearances at Goldman Sachs and UBS investor conferences.
Nov 18	Partnership/product	Positive	-0.2%	Kikoff integrating Optimal Path interactive score planner for its members.
Nov 17	Acquisition	Positive	-0.2%	Acquisition of Vault Verify to enhance employment and income verifications.

Pattern Detected

Recent Equifax news has often been innovation-focused, with positive product and data announcements sometimes met with modest or even negative price reactions.

Recent Company History

Over the past month, Equifax has highlighted product innovation, data-driven solutions, and strategic expansion. Launches such as Income Qualify on Dec 10, 2025 and partnerships like the Kikoff integration on Nov 18, 2025 underscored use of The Equifax Cloud and EFX.AI. The Nov 17, 2025 Vault Verify acquisition added employment and income verification depth. Today’s patent-focused AI announcement extends this theme of cloud- and data-enabled innovation aimed at lenders, fraud prevention, and risk assessment.

Market Pulse Summary

This announcement underscores Equifax’s emphasis on EFX.AI and cloud-based innovation, with 27 patents in the second half of 2025 and 62 for the year, contributing to nearly 700 issued or pending patents across 15 countries. Many focus on risk assessment, fraud prevention, and identity verification. In context of recent product launches and acquisitions, investors may watch how these patented capabilities translate into new solutions, competitive differentiation, and long-term adoption metrics.

Key Terms

responsible ai technical

"20 Patents Support the Organization's Approach to Responsible AI, Designed..."

Responsible AI means designing, testing and running automated decision systems so they are safe, fair, explainable and follow laws and privacy rules. For investors it matters because responsible AI reduces the chances of costly errors, regulatory fines, data breaches or reputational damage, and helps ensure products perform reliably over time—think of it as safety checks and clear instructions you put on a new machine before letting it operate at scale.

machine learning technical

"including machine learning for data & analytics and risk modeling."

Machine learning is a set of computer programs that learn patterns from large amounts of data and improve their predictions or decisions over time, like a recipe that gets better each time it’s adjusted based on taste tests. For investors it matters because these systems can speed up analysis, spot trends or risks humans might miss, automate routine work, and potentially create competitive advantages or cost savings that affect a company’s performance.

risk modeling technical

"including machine learning for data & analytics and risk modeling."

Risk modeling is the process of using data and simple math to estimate the likelihood and size of potential losses or problems that could affect an investment, company, or market. For investors it acts like a weather forecast for money—helping to judge how much risk to take, set safety cushions, price securities, or prepare action plans—while reminding that models reduce uncertainty but do not eliminate it.

integrated risk score technical

"system that creates a more accurate and complete "integrated risk score"..."

An integrated risk score is a single number that combines multiple types of risk—such as credit, market, operational, and regulatory—into one standardized measure to show a company’s overall vulnerability. Investors use it like a composite health check: higher scores signal greater potential for losses or disruption, while lower scores suggest more resilience, so it helps compare firms and guide investment, pricing and portfolio decisions.

cloud-native technical

"for faster solution implementation, new product innovation, cloud-native model deployment..."

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.

AI-generated analysis. Not financial advice.

20 Patents Support the Organization's Approach to Responsible AI, Designed to Accelerate Product Innovation that Help to Create New Financial Opportunities for Consumers

ATLANTA, Dec. 17, 2025 /PRNewswire/ -- Equifax® (NYSE: EFX) secured 27 patents in the second half of 2025, bringing the total number of new patents secured for the year to 62. Twenty of these new patents support the company's approach to artificial intelligence (AI), further complementing its EFX.AI™ strategy and helping to accelerate the development of cloud-based, AI-enabled solutions that help to create new financial opportunities for consumers. As of November 2025, Equifax has nearly 700 issued or pending patents spanning 15 countries, encompassing distinctive techniques to accelerate the use of AI, including machine learning for data & analytics and risk modeling. More than 320 of the organization's pending and approved patents support its approach to responsible AI, with many of these patented AI techniques used in customer-facing solutions.

"Equifax patents protect the unique innovations created for the benefit of the customers and consumers we serve in 24 countries around the world," said Harald Schneider, Chief Data & Analytics Officer at Equifax. "We are focused on continuous innovation. Our growing suite of EFX.AI-powered solutions, made possible by the Equifax Cloud™ , our unique differentiated data, and our patented capabilities are driving higher-performing solutions and processes to help our customers get to the insights they need faster, ultimately enabling new consumer opportunities."

The custom-built Equifax Cloud is a top-tier global technology and security infrastructure that continues to set the company apart in the industry. Backed by a multi-year, approximately $3 billion investment in security and technology, The Equifax Cloud and custom data fabric enable the organization to drive AI innovation and maximize EFX.AI capabilities for faster solution implementation, new product innovation, cloud-native model deployment and expedited consumer decisioning.

The latest technology and innovation covered by the most recent Equifax patents include:

• Production-Ready Attributes Creation and Management for Software Development (Australia) - This patent describes features of the Equifax Ignite® and InterConnect® platforms that allow for more effective attribute management, allowing customers to quickly move from analytics to production. It describes a computing system that uses attribute templates in a production-reading programming language to determine and generate attribute definitions. These attribute definitions are more easily deployed to the production environment and can also be monitored more effectively to ensure performance.
• Consolidation of Data Sources for Expedited Validation of Risk Assessment Data (U.S.) - This patent consolidates and validates user-provided data and data from financial institutions through a single interface. This instant, combined validation aims to overcome slow, traditional data checks, accelerating decision-making. This technology can support next generation OnlyEquifax solutions like Income Qualify, which delivers income and employment insights from The Work Number® alongside the Equifax credit report to mortgage lenders during the prequalification and pre-approval phase, offering earlier visibility into an applicant's financial health.
• Updating Attribute Data Structures to Indicate Trends in Attribute Data Provided to Automated Modeling Systems (European Patent Office) - This patent describes a system that enhances automated prediction models, such as those for risk or credit assessment, by addressing the limitations of using only static data. It achieves this by creating "trended attributes" from Equifax historical data, capturing behavioral patterns over time.
• Machine-Learning Techniques for Risk Assessment Based on Multiple Data Sources (U.S.) - This patent describes a machine-learning system that creates a more accurate and complete "integrated risk score" by combining traditional and alternative data, data not historically contained in traditional credit reports—including rental, utility, and telecom payments. This system enables Equifax to provide a more comprehensive and equitable risk evaluation and improve decision-making. Solutions like Financial Durability Measures provide more insight into a household's likely financial resilience.
• Secure Online Access Control to Prevent Identification Information Misuse (Australia) - This patent describes a central security system for managing and protecting digital resources, aiming to prevent online fraud. It creates a "secure resource management system" that acts as a trusted record keeper, storing permanent records of each resource and its transaction history. This technology can support solutions like Australia's Fraud Detection and Prevention platform, giving Equifax customers the ability to verify ownership before granting access, ensuring secure resource transfers and preventing fraudulent activity.
• Device-Agnostic Access Control Techniques (European Patent Office) - This patent describes a smart, "device-agnostic" security system that improves user experience by creating a unique "behavioral fingerprint," called a "historical entity vector," for each legitimate user. This patented technology, which can be used in Equifax UK Identity Verification & Fraud Prevention solutions, is able to compare current authentication data to the historical fingerprint, enabling the system to recognize the real user on a new device, ensuring secure, seamless access to interactive websites and apps.

Learn more about the Equifax commitment to responsible AI innovation at EFX.AI. The most recent Equifax Intellectual Property list is available 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

How many patents did Equifax (EFX) secure in the second half of 2025?

Equifax secured 27 patents in H2 2025.

What is the total number of new Equifax patents for 2025 (EFX)?

Equifax reported 62 new patents in 2025.

How many Equifax patents in 2025 support responsible AI and EFX.AI?

20 of the new patents in H2 2025 support the company's responsible AI approach.

What investment did Equifax (EFX) cite to support its cloud and AI strategy?

Equifax cited a multi-year, approximately $3 billion investment in The Equifax Cloud for security and technology.

Which Equifax (EFX) innovations were covered by recent patents in 2025?

Recent patents cover attribute management, data consolidation for risk validation, trended attributes, integrated risk scoring, and device-agnostic access control.

How extensive is Equifax's patent portfolio as of November 2025 (EFX)?

As of November 2025, Equifax has nearly 700 issued or pending patents spanning 15 countries.