Equifax (EFX) official guidance

Equifax (EFX) official earnings guidance and management outlook. Each figure management stated is shown with its revisions and the source quote.

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EFXEQUIFAX INCFY2026 · ends 2026-12-31

2 metrics1 raised

earnings call · 10d

2026-10-20 15:17:05 UTCat least 100%

In 2026, we expect to deliver over $1 billion of free cash flow and a cash flow conversion of at least 100%.

EFX · transcript · Q3 FY2026

2026-10-20 15:16:00 UTCOpen source

2026-07-22 04:01:41 UTCat least 100%

In 2026, we expect to deliver over $1 billion of free cash flow and a cash flow conversion of at least 100%.

EFX · transcript · Q2 FY2026

2026-07-22 04:00:00 UTCOpen source

2026-04-22 04:01:41 UTCat least 100%

In 2026, we expect to deliver over $1 billion of free cash flow and a cash flow conversion of at least 100%.

EFX · transcript · Q1 FY2026

2026-04-22 04:00:00 UTCOpen source

2026-02-05 05:02:39 UTCat least 100%new

As Mark referenced earlier, we expect to deliver over $1 billion of free cash flow in 2026 and a cash flow conversion of at least 100%.

EFX · transcript · Q4 FY2025

2026-02-05 05:00:00 UTCOpen source

2026-10-20 15:17:05 UTC$2.1Braised +1.2%

As a result, we expect to deliver at the midpoint of our guidance, EBITDA of $2.125 billion and adjusted EPS of $8.50 per share within the guidance range we provided in July, but down slightly from the midpoint as our team offset the significant majority of the gross margin impact of the over $80 million of lower mortgage revenue versus our July guide.

EFX · transcript · Q3 FY2026

2026-10-20 15:16:00 UTCOpen source

2026-07-22 04:01:41 UTC$2.1Bmaintained

As we discussed in April, with EBITDA increasing to about $2.1 billion at the midpoint and strong free cash flow, this creates $1.5 billion in capital available in 2026 for M&A and return of cash to shareholders while maintaining debt leverage at under 3x EBITDA.

EFX · transcript · Q2 FY2026

2026-07-22 04:00:00 UTCOpen source

2026-04-22 04:01:41 UTC$2.1Blowered -0.9%

As we discussed in February, with EBITDA increasing to about $2.1 billion at the midpoint, we are also generating an additional $400 million in debt capacity at our current debt leverage.

EFX · transcript · Q1 FY2026

2026-04-22 04:00:00 UTCOpen source

2026-02-05 05:02:39 UTC$2.1Bmaintained

EBITDA dollars are expected to grow by almost 10% at the midpoint of our 2026 guide to about $2.12 billion, $2.12 billion, up from, up from about 5%, 5.5% growth last year.

EFX · transcript · Q4 FY2025

2026-02-05 05:00:00 UTCOpen source

2026-02-04 11:33:52 UTC$2.1Bnew

Our full year 2026 guidance midpoint expectation for Adjusted EBITDA is $2.12 billion, up about 10%, and for Adjusted EPS is $8.50 per share, up 11%, versus 2025.

EFX · EX-99.1 · Q4 FY2025

2026-02-04 11:32:57 UTCOpen source

EFXEQUIFAX INCQ4 FY2026 · ends 2026-12-31

1 metric1 new

earnings call · 10d

2026-10-20 15:17:05 UTC$529M – $546Mnew

Equifax 4Q 2026 EBITDA dollars are expected to be $529 million-$546 million, up almost 6% at the midpoint.

EFX · transcript · Q3 FY2026

2026-10-20 15:16:00 UTCOpen source

EFXEQUIFAX INCFY2026 · ends 2026-12-31

3 metrics1 raised1 new

earnings call · 10d

2026-10-20 15:17:05 UTCabout flat year-to-yearnew

Consistent with our July guidance, we continue to expect adjusted EBITDA margins to be about flat year-to-year.

EFX · transcript · Q3 FY2026

2026-10-20 15:16:00 UTCOpen source

2026-10-20 15:17:05 UTCat least 40%

EBITDA margins ex-FICO mortgage royalties are over 40% and up strongly reflecting good cost management and continued good progress in AI and other automation and cost structure management programs.

EFX · transcript · Q3 FY2026

2026-10-20 15:16:00 UTCOpen source

2026-02-05 05:02:39 UTC32.4% – 32.9%new

USIS revenue is expected to be up mid-teens%, and EBITDA margins are expected to be 32.4%-32.9%.

EFX · transcript · Q4 FY2025

2026-02-05 05:00:00 UTCOpen source

2026-10-20 15:17:05 UTC100 bpsraised +33.3%100 bps vs FY2025

We are increasing our EBITDA margin ex-FICO mortgage royalty guidance to an increase of 100 basis points in 2026 versus 2025, up from the 75 basis points we guided in July.

EFX · transcript · Q3 FY2026

2026-10-20 15:16:00 UTCOpen source

2026-07-22 04:01:41 UTC75 bps75 bps vs FY2025

We expect to grow EBITDA margins excluding the impact of FICO mortgage royalties by a strong 75 basis points, which is 25 points above our long-term framework.

EFX · transcript · Q2 FY2026

2026-07-22 04:00:00 UTCOpen source

2026-04-22 04:01:41 UTCat least 75 bpsnew75 bps vs FY2025

We expect to grow EBITDA margins excluding the impact of FICO mortgage royalties by a strong 75 basis points, which is 25 basis points above our long-term framework.

EFX · transcript · Q1 FY2026

2026-04-22 04:00:00 UTCOpen source

EFXEQUIFAX INCQ4 FY2026 · ends 2026-12-31

1 metric1 new

earnings call · 10d

2026-10-20 15:17:05 UTC90 bpsnew90 bps vs Q4 FY2025

EBITDA margins ex-FICO mortgage royalties are expected to expand about 90 basis points year-over-year at the midpoint, again, reflecting strong execution on our AI and automation programs and broader cost management initiatives.

EFX · transcript · Q3 FY2026

2026-10-20 15:16:00 UTCOpen source

EFXEQUIFAX INCFY2026 · ends 2026-12-31

1 metric1 maintained

earnings call · 10d

2026-10-20 15:17:05 UTC$8.5maintained

As a result, we expect to deliver at the midpoint of our guidance, EBITDA of $2.125 billion and adjusted EPS of $8.50 per share within the guidance range we provided in July, but down slightly from the midpoint as our team offset the significant majority of the gross margin impact of the over $80 million of lower mortgage revenue versus our July guide.

EFX · transcript · Q3 FY2026

2026-10-20 15:16:00 UTCOpen source

2026-10-20 10:33:03 UTC$8.45 – $8.55lowered -0.5%

| Adjusted Earnings Per Share | $2.07 per share | $2.17 per share | $8.45 per share | $8.55 per share |

EFX · EX-99.1 · Q3 FY2026

2026-10-20 10:31:58 UTCOpen source

2026-07-21 10:33:36 UTC$8.39 – $8.69maintained

| Adjusted Earnings Per Share | $2.15 per share | $2.25 per share | $8.39 per share | $8.69 per share |

EFX · EX-99.1 · Q2 FY2026

2026-07-21 10:32:31 UTCOpen source

2026-04-22 04:01:41 UTC$8.54maintained

We increased our guidance to reflect the impact of FX changes since February, increasing the midpoint of our reported revenue guidance by $25 million to $6.745 billion and adjusted EPS by $0.04 per share to $8.54 per share.

EFX · transcript · Q1 FY2026

2026-04-22 04:00:00 UTCOpen source

2026-04-21 10:33:11 UTC$8.34 – $8.74raised +0.5%

| Adjusted Earnings Per Share | $2.15 per share | $2.25 per share | $8.34 per share | $8.74 per share |

EFX · EX-99.1 · Q1 FY2026

2026-04-21 10:32:01 UTCOpen source

2026-02-05 05:02:39 UTC$8.5maintained

EPS in 2026 at the midpoint of $8.50 is up 11% versus last year, and our free cash flow of over $1 billion will deliver free cash flow conversion of at least 100%, which is above our long-term framework.

EFX · transcript · Q4 FY2025

2026-02-05 05:00:00 UTCOpen source

2026-02-04 11:33:52 UTC$8.3 – $8.7new

| Adjusted Earnings Per Share | $1.63 per share | $1.73 per share | $8.30 per share | $8.70 per share |

EFX · EX-99.1 · Q4 FY2025

2026-02-04 11:32:57 UTCOpen source

EFXEQUIFAX INCQ4 FY2026 · ends 2026-12-31

1 metric1 maintained

earnings call · 10d

2026-10-20 15:17:05 UTC$2.07 – $2.17maintained

EPS in 4Q 2026 is expected to be $2.07-$2.17 per share, up about 1.7% versus 4Q 2025 at the midpoint.

EFX · transcript · Q3 FY2026

2026-10-20 15:16:00 UTCOpen source

2026-10-20 10:33:03 UTC$2.07 – $2.17new

| Adjusted Earnings Per Share | $2.07 per share | $2.17 per share | $8.45 per share | $8.55 per share |

EFX · EX-99.1 · Q3 FY2026

2026-10-20 10:31:58 UTCOpen source

EFXEQUIFAX INCFY2026 · ends 2026-12-31

2 metrics1 lowered

earnings call · 10d

2026-10-20 15:17:05 UTCat least $1B

In 2026, we expect to deliver over $1 billion of free cash flow and a cash flow conversion of at least 100%.

EFX · transcript · Q3 FY2026

2026-10-20 15:16:00 UTCOpen source

2026-07-22 04:01:41 UTCat least $1B

In 2026, we expect to deliver over $1 billion of free cash flow and a cash flow conversion of at least 100%.

EFX · transcript · Q2 FY2026

2026-07-22 04:00:00 UTCOpen source

2026-04-22 04:01:41 UTCat least $1B

In 2026, we expect to deliver over $1 billion of free cash flow and a cash flow conversion of at least 100%.

EFX · transcript · Q1 FY2026

2026-04-22 04:00:00 UTCOpen source

2026-02-05 05:02:39 UTCat least $1Bnew

EPS in 2026 at the midpoint of $8.50 is up 11% versus last year, and our free cash flow of over $1 billion will deliver free cash flow conversion of at least 100%, which is above our long-term framework.

EFX · transcript · Q4 FY2025

2026-02-05 05:00:00 UTCOpen source

2026-10-20 15:17:05 UTC-7.5% – -6.5%lowered -250.0%-7.5% – -6.5% vs FY2025

This reflects U.S. mortgage market originations of down an estimated 6.5%-7.5%.

EFX · transcript · Q3 FY2026

2026-10-20 15:16:00 UTCOpen source

2026-07-22 04:01:41 UTCdown low single digitsmaintained-3% – -1% vs FY2025

U.S. mortgage revenue is expected to be up just above 20%, with mortgage market originations weaker and down low single digits.

EFX · transcript · Q2 FY2026

2026-07-22 04:00:00 UTCOpen source

2026-04-22 04:01:41 UTCdown low single digitsnew-3% – -1% vs FY2025

Diversified markets revenue growth at the midpoint is expected to be up high single digits and U.S. mortgage revenue to be up over 20%, with mortgage market originations down low single digits.

EFX · transcript · Q1 FY2026

2026-04-22 04:00:00 UTCOpen source

EFXEQUIFAX INCFY2027 · ends 2027-12-31

1 metric1 new

earnings call · 10d

2026-10-20 15:17:05 UTCdown on average high single digit percentage in 2027 versus 2026new-9% – -7% vs FY2026

As we look forward to 2027, using current mortgage market transaction levels across USIS and EWS and applying normal seasonal factors, 2027 mortgage market transactions, which we believe would be consistent with U.S. originations, would be down on average high single digit percentage in 2027 versus 2026, principally over the first eight months of the year.

EFX · transcript · Q3 FY2026

2026-10-20 15:16:00 UTCOpen source

EFXEQUIFAX INCFY2026 · ends 2026-12-31

1 metric1 maintained

earnings call · 10d

2026-10-20 15:17:05 UTC$6.7Bmaintained9.7% vs FY2025

As a result, Equifax revenue for 2026 at the midpoint is now expected to be $6.661 billion.

EFX · transcript · Q3 FY2026

2026-10-20 15:16:00 UTCOpen source

2026-10-20 10:33:03 UTC$6.6B – $6.7Blowered -1.2%9.4% – 9.9% vs FY2025

| Reported Revenue | $1.605 billion | $1.635 billion | $6.646 billion | $6.676 billion |

EFX · EX-99.1 · Q3 FY2026

2026-10-20 10:31:58 UTCOpen source

2026-07-21 10:33:36 UTC$6.7B – $6.8Bmaintained10.5% – 11.6% vs FY2025

| Reported Revenue | $1.680 billion | $1.710 billion | $6.710 billion | $6.780 billion |

EFX · EX-99.1 · Q2 FY2026

2026-07-21 10:32:31 UTCOpen source

2026-04-22 04:01:41 UTC$6.7Bmaintained11% vs FY2025

We increased our guidance to reflect the impact of FX changes since February, increasing the midpoint of our reported revenue guidance by $25 million to $6.745 billion and adjusted EPS by $0.04 per share to $8.54 per share.

EFX · transcript · Q1 FY2026

2026-04-22 04:00:00 UTCOpen source

2026-04-21 10:33:11 UTC$6.7B – $6.8Braised +0.4%10.1% – 12% vs FY2025

| Reported Revenue | $1.680 billion | $1.710 billion | $6.685 billion | $6.805 billion |

EFX · EX-99.1 · Q1 FY2026

2026-04-21 10:32:01 UTCOpen source

2026-02-04 11:33:52 UTC$6.7B – $6.8Bnew

| Reported Revenue | $1.597 billion | $1.627 billion | $6.660 billion | $6.780 billion |

EFX · EX-99.1 · Q4 FY2025

2026-02-04 11:32:57 UTCOpen source

EFXEQUIFAX INCQ4 FY2026 · ends 2026-12-31

1 metric1 maintained

earnings call · 10d

2026-10-20 15:17:05 UTC$1.6B – $1.6Bmaintained3.5% – 5.4% vs Q4 FY2025

In 4Q 2026, we expect total Equifax revenue to be between $1.605 billion and $1.635 billion, up about 4.5% on a reported basis year-to-year at the midpoint.

EFX · transcript · Q3 FY2026

2026-10-20 15:16:00 UTCOpen source

2026-10-20 10:33:03 UTC$1.6B – $1.6Bnew3.5% – 5.4% vs Q4 FY2025

| Reported Revenue | $1.605 billion | $1.635 billion | $6.646 billion | $6.676 billion |

EFX · EX-99.1 · Q3 FY2026

2026-10-20 10:31:58 UTCOpen source

EFXEQUIFAX INCFY2026 · ends 2026-12-31

1 metric1 maintained

earnings call · 10d

2026-10-20 15:17:05 UTChigh single digit percent year to yearmaintained7% – 9% vs FY2025

For 2026, we expect to deliver our committed diversified markets revenue growth of high single digit percent year to year.

EFX · transcript · Q3 FY2026

2026-10-20 15:16:00 UTCOpen source

2026-07-22 04:01:41 UTCup high single digitsmaintained7% – 9% vs FY2025

Diversified markets revenue growth at the midpoint is expected to be up high single digits for the year.

EFX · transcript · Q2 FY2026

2026-07-22 04:00:00 UTCOpen source

2026-04-22 04:01:41 UTCup high single digitsmaintained7% – 9% vs FY2025

For the full year, we continue to expect our diversified markets revenue to be up high single digits, consistent with the guidance we provided in February.

EFX · transcript · Q1 FY2026

2026-04-22 04:00:00 UTCOpen source

2026-02-05 05:02:39 UTCup high single digitsnew7% – 9% vs FY2025

Mortgage revenue is expected to be over 20% of our total revenue, and diversified or non-market, non-mortgage revenue, up high single digits on a reported basis and constant dollar basis.

EFX · transcript · Q4 FY2025

2026-02-05 05:00:00 UTCOpen source

EFXEQUIFAX INCQ4 FY2026 · ends 2026-12-31

1 metric1 new

earnings call · 10d

2026-10-20 15:17:05 UTC6% – 7%new6% – 7% vs Q4 FY2025

Diversified markets revenue is expected to be up 6%-7% on a reported basis.

EFX · transcript · Q3 FY2026

2026-10-20 15:16:00 UTCOpen source

EFXEQUIFAX INCFY2026 · ends 2026-12-31

2 metrics1 new

earnings call · 10d

2026-10-20 15:17:05 UTCup mid-single digit percentnew4% – 6% vs FY2025

In EWS, we now expect revenue growth of up mid-single digit percent.

EFX · transcript · Q3 FY2026

2026-10-20 15:16:00 UTCOpen source

2026-10-20 15:17:05 UTCslightly above flat year to year

U.S. mortgage revenue reflecting the current market conditions we discussed, is expected to be about $80 million below our July guidance, with mortgage revenue ex-FICO royalty pass-through slightly above flat year to year.

EFX · transcript · Q3 FY2026

2026-10-20 15:16:00 UTCOpen source

2026-07-22 04:01:41 UTC20%20% vs FY2025

U.S. mortgage revenue is expected to be up just above 20%, with mortgage market originations weaker and down low single digits.

EFX · transcript · Q2 FY2026

2026-07-22 04:00:00 UTCOpen source

2026-04-22 04:01:41 UTCat least 20%new20% vs FY2025

Diversified markets revenue growth at the midpoint is expected to be up high single digits and U.S. mortgage revenue to be up over 20%, with mortgage market originations down low single digits.

EFX · transcript · Q1 FY2026

2026-04-22 04:00:00 UTCOpen source

EFXEQUIFAX INCQ4 FY2026 · ends 2026-12-31

1 metric1 new

earnings call · 10d

2026-10-20 15:17:05 UTCdown mid-single digits percent year-to-yearnew-6% – -4% vs Q4 FY2025

U.S. mortgage revenue is expected to be down mid-single digits percent year-to-year.

EFX · transcript · Q3 FY2026

2026-10-20 15:16:00 UTCOpen source

EFXEQUIFAX INCFY2026 · ends 2026-12-31

1 metric1 maintained

earnings call · 10d

2026-10-20 15:17:05 UTCgrow mid-teens percentagemaintained14% – 16% vs FY2025

In USIS, we continue to expect revenue to grow mid-teens percentage, but at the very bottom end of the range, given lower mortgage revenue.

EFX · transcript · Q3 FY2026

2026-10-20 15:16:00 UTCOpen source

2026-02-05 05:02:39 UTCup mid-teens%new14% – 16% vs FY2025

USIS revenue is expected to be up mid-teens%, and EBITDA margins are expected to be 32.4%-32.9%.

EFX · transcript · Q4 FY2025

2026-02-05 05:00:00 UTCOpen source