Equifax Inc Stock Price, News & Analysis

Equifax (NYSE: EFX) and Qlarifi have announced a partnership to conduct the industry's first comprehensive study on Buy Now, Pay Later (BNPL) data's impact on credit risk and fraud prevention. The study comes as over 50% of U.S. consumers currently use BNPL services, with 35% planning to increase usage in 2025.

The collaboration will leverage Qlarifi's real-time BNPL consumer credit database to analyze data from multiple providers, focusing on loan stacking risks, predictive power of BNPL data, and consumer protection. The partnership aims to enhance credit decisioning processes and provide greater visibility into consumer financial behavior across BNPL platforms.

Equifax (NYSE: EFX) reported strong Q2 2025 financial results with revenue of $1.537 billion, up 7% reported and 8% in local currency, exceeding guidance by $27 million. The company demonstrated robust performance with 14% U.S. Mortgage revenue growth despite market headwinds. Key highlights include Workforce Solutions revenue growing 8%, USIS revenue up 9%, and International revenue increasing 4% reported (6% local currency).

The company returned approximately $190 million to shareholders, including $127 million in share repurchases. Equifax maintained its full-year 2025 constant dollar guidance while increasing reported revenue guidance by $35 million and Adjusted EPS by $0.03. Q2 diluted EPS was $1.53, up 17% year-over-year, with adjusted EPS at $2.00, up 10%.

For FY2025, Equifax expects to deliver over $900 million in free cash flow with a cash conversion ratio exceeding 95%, maintaining revenue growth guidance of 6% in local currency.

Equifax (NYSE: EFX) has scheduled its second quarter 2025 financial results announcement for Tuesday, July 22, 2025. The company will release its earnings report at 6:30 a.m. ET, followed by a conference call with senior management at 8:30 a.m. ET to discuss the quarter's financial and business results.

Investors can access the conference call via US/Canada dial-in numbers (877-559-1190 or +1 201-389-0916) or international toll-free numbers. Presentation materials will be available on investor.equifax.com simultaneously with the earnings release. An audio replay will be accessible on the investor relations website starting July 23.

Equifax (NYSE: EFX) and Kompliant released a comprehensive survey revealing how financial organizations are leveraging compliance technology. The study, which surveyed 500 financial technology professionals, found that 99% of financial services organizations now rely on compliance technology, with 55% implementing AI/ML solutions.

Key findings show that 56% of organizations involve their CEO in compliance technology decisions, and 90% believe technological advancement is crucial for competitive advantage. Additionally, 68% express caution about adopting emerging technologies due to security concerns. The survey highlights a shift from viewing compliance as a cost center to seeing it as a revenue driver and competitive differentiator.

Equifax (NYSE:EFX) has announced Complete Income™, a new cloud-powered solution launching in August 2025 to help government agencies streamline social service benefits processing. The solution combines Instant Social Service Verification Reports from The Work Number database, covering 4.4 million employers' W-2 payroll data, with the Income and Expense Connect Solution, which provides bank deposit data from 92% of U.S. financial institutions. This comprehensive system addresses the growing verification challenges posed by 35 million independent workers added to the workforce in recent years. Complete Income offers a single workflow through the Equifax Verification Insights Portal, enabling caseworkers to efficiently verify both traditional and alternative income sources for programs like Medicaid and SNAP, replacing time-consuming manual processes with a streamlined digital solution.

Equifax (NYSE: EFX) has secured 35 new patents in H1 2025, expanding its intellectual property portfolio to nearly 650 patents across 15 countries. The new patents focus on AI, machine learning, data analytics, cybersecurity, and fraud solutions. Key innovations include an automated model development process for machine learning, efficient database search indexing, synthetic identity fraud detection, streamlined attribute creation tools, email legitimacy verification, and trend attribute data structures. These developments are powered by the Equifax Cloud platform, which enables faster solution implementation and improved consumer decisioning. The company employs over 1,000 analytics professionals globally to address evolving customer and consumer challenges.

Equifax (NYSE: EFX) has launched Optimal Path™, an AI-powered interactive credit score planner leveraging the Equifax Cloud™ and patented EFX.AI capabilities. The white-labeled solution helps financial institutions and organizations provide consumers with personalized credit score improvement plans. Optimal Path integrates with users' Equifax credit profiles, offering specific monthly tasks to achieve target VantageScore® 3.0 scores. Key features include personalized goal setting with 3-month to 1-year timeframes, AI-powered recommendations for credit improvement, estimated score impact predictions, and monthly progress updates. The solution is available via API for easy integration into existing platforms, designed to enhance engagement compared to traditional static credit-building tools.

Equifax (NYSE: EFX) has announced its 2025 Investor Day schedule for June 17 in New York City, running from 9:00 a.m. to 12:30 p.m. ET. The event will showcase presentations from Equifax's senior leadership team focusing on NewEFX's post-cloud growth strategy, highlighting the Equifax Cloud and EFX.AI capabilities for product innovation and multi-data solutions. Key speakers include CEO Mark Begor, CTO Jamil Farshchi, CDAO Harald Schneider, and other executive leaders who will discuss various aspects of the business including Workforce Solutions, U.S. Information Solutions, and International operations. The event will be available via live webcast, with presentation materials published on investor.equifax.com at 6:30 a.m. ET on June 17, and a replay available the following day.

Equifax (NYSE: EFX) has unveiled a redesigned U.S. consumer credit report featuring enhanced visual elements and improved readability. The new report includes the VantageScore 3.0 credit score and incorporates color-coded sections and graphics to replace traditional text-heavy formats. Key improvements include a summary section explaining score calculation, comprehensive views of current and past credit activity, and insights into factors affecting credit scores. The redesign, implemented in response to consumer feedback, aligns with the visual experience available through the myEquifax mobile app and digital platform, powered by The Equifax Cloud. This initiative reflects Equifax's commitment to helping consumers better understand and manage their financial health through more accessible and user-friendly credit reporting.