Revenue segments as reported by the company.

Workforce Solutions

U.S. Information Solutions

International

Global Consumer Solutions

Revenue Segments

Gross Profit, Operating Income, and Net Income as a percentage of Revenue

Gross Margin

Operating Margin

Profit Margin

Margins

An operating expense is an expense a business incurs through its normal business operations. Often abbreviated as OPEX.

Selling, general and administrative expenses

Depreciation and amortization

Operating Expenses

Year over year growth in Revenue and Operating Expenses.

Revenue Y/Y

OpEx Y/Y

Growth

Shares outstanding refer to a company's stock currently held by all its shareholders, including share blocks held by institutional investors and restricted shares owned by the company's officers and insiders.

Outstanding Shares

Market Cap

Also known as Price/Sales Ratio. Calculated using Average market cap for the quarter / Annualized quarterly revenue.

Revenue Multiple

Equifax

Equifax, Inc. engages in the provision of information solutions and human resources business process outsourcing services. It operates through the following business segments: U.S. Information Solutions, Workforce Solutions and International. The U.S. Information Solutions segment includes consumer and commercial information services, mortgage loan origination information, financial marketing services, and identity management. The Workforce Solutions segment covers employment, income, and social security number verification services as well as complementary payroll-based transaction and employment tax management services. The International segment offers information, technology, and services to support debt collections and recovery management in Canada, Europe, Latin America and Asia Pacific. The company was founded by Cator Woolford and Guy Woolford in 1899 and is headquartered in Atlanta, GA.

Earnings data Q1 2021

Earnings data Q2 2021

Earnings data Q3 2021

Earnings data Q4 2021

Earnings data Q1 2022

Earnings data Q2 2022

Earnings data Q3 2022

Earnings data Q4 2022

Earnings data Q1 2023

Earnings data Q2 2023

Earnings data Q3 2023

Earnings data Q4 2023

Earnings data Q1 2024

Earnings data Q2 2024

Earnings data Q3 2024

Earnings data Q4 2024

Equifax reports strong Q4 earnings, eyes margin expansion in 2023

Equifax delivered strong earnings in Q4 2022, focusing on non-mortgage revenue growth and cost-saving initiatives. The company aims to expand margins, complete cloud transformation, and drive above-market revenue growth. Despite challenges in the mortgage market, Equifax is optimistic about future growth opportunities.

Equifax reports resilient Q1 performance amidst market challenges

Equifax delivered a strong quarter despite challenges in the U.S. mortgage market, focusing on margin expansion and growth opportunities.
The company's strategic initiatives in data transformation and new product offerings position it for future success.
While facing uncertainties like inflation and regulatory changes, Equifax remains committed to driving shareholder value.
Equifax's performance highlights resilience and adaptability in navigating market dynamics and leveraging technological advancements.

Equifax reports solid Q2 performance amidst market challenges and growth opportunities

Equifax's Q2 performance reflects strength in revenue generation and margin improvement, despite challenges in the mortgage market and competitive landscape.
The company is focused on leveraging acquisitions, cloud capabilities, and new products to achieve revenue targets and drive growth in key segments.
Opportunities lie in AI utilization, market recovery, and revenue acceleration, while challenges include market uncertainties and competition in verification services.

Equifax reports resilient Q3 performance amidst mortgage market challenges

Equifax navigated challenges in the U.S. mortgage market to deliver solid financial performance and maintain focus on growth strategies.
The company's emphasis on cost reduction, cloud transformation, and new product offerings positions it well for future opportunities and margin improvement.
Despite headwinds, Equifax's diversified revenue streams and strong market position showcase resilience and potential for sustained growth.
Strategic responses to market dynamics, leveraging historical data, and focusing on customer needs highlight Equifax's proactive approach to driving revenue growth.

Equifax projects revenue growth and margin expansion in 2024

Equifax's strong performance in 2023 sets the stage for continued growth in 2024, with a focus on revenue expansion and margin improvement. The company aims to leverage its cloud migration progress and cost-saving initiatives to drive profitability. Challenges in USIS margins and subprime delinquencies require strategic management.

Equifax surpasses Q1 revenue expectations, eyes AI innovation for growth

Equifax's Q1 2024 performance reflects strong revenue growth, exceeding guidance and showcasing stability in its long-term outlook.
While facing challenges in the mortgage market and price sensitivity, Equifax's strategic strengths and opportunities position it for future growth.
Maintaining positive consumer outlook, leveraging AI innovation, and focusing on margin expansion are key strategies for Equifax's growth trajectory.
Navigating uncertainties and seizing opportunities in digital mortgage trends and cloud transformation are critical for Equifax's continued success.

Equifax surpasses Q3 expectations with strong revenue growth and margins

Equifax's Q3 performance exceeded expectations, driven by strong revenue growth and margin expansion across segments.
The company's focus on cloud transformation, new product innovation, and strategic acquisitions positions it for continued success.
Challenges include managing credit health monitoring and sustaining growth amidst market dynamics.
Opportunities lie in mortgage revenue expansion, government vertical growth, and leveraging excess cash flow for shareholder returns.

Revenue

Cost of revenue

Gross profit

Operating expenses

SG&A

Other

Operating income

EBITDA

Net income

Earnings per share

Total assets

Current assets

Cash & equivalents

Receivables

Inventory

Non-current assets

Net PPE

Intangibles

Total liabilities

Current liabilities

Short term debt

Income tax payable

Non-current liabilities

Long-term debt

Total equity

Stockholders equity

Minority interest

Total liabilities & equity

Total debt

Net debt

Book value per share

Cash from operations

Funds from operations

Change in working capital

Cash from investing

Capital expenditure

Purchase/sale of investments

Purchase/sale of business

Other sources

Cash from financing

Change in stock

Change in debt

Cash dividends paid

Cash from other sources

Net change in cash

Free cash flow

The hackers stole names, Social Security numbers and other personal information from tens of millions of Americans from the credit reporting agency's database.

U.S. Charges 4 Chinese Military Members In Equifax Breach

The Equifax breach affected more than half of the US population.

Justice Department charges Chinese nationals over Equifax hack

U.S. prosecutors have charged four hackers said to be working for the Chinese military for the  2018 cyberattack at Equifax, which led to the theft of more than 147 million credit reports in a massive data breach. Attorney general William Barr accused the four members of the Chinese People’s Liberation Army of hacking into the […]

Justice Dept. charge China-backed hackers over Equifax breach

The U.S. Justice Department announced Monday that it has indicted four members of China's military for the cyberattack against credit ratings agency Equifax in 2017.

Justice Department indicts four members of China's military for Equifax hack

The US has charged four members of the Chinese military with hacking into the credit rating agency Equifax and stealing the personal data of Americans as well as the company's trade secrets.

US charges Chinese military hackers with Equifax breach

Boeing

Wells Fargo

When investors lose faith in management teams after debacles or scandals, they may put stocks of these companies in the ""penalty box."" Boeing and Wells Fargo are recent examples.

When investors lose trust, they can put stocks in the 'penalty box'

Equifax Canada and Creditsafe align to bring international insight to Canadian businesses Equifax Canada and Creditsafe align to bring international insight to Canadian businesses 

Helping Canadian businesses enter new territory

New court filings show more than 15 million of the 147 million people affected by the massive 2017 Equifax data breach have put in claims for some sort of redress, whether that comes in the form of credit monitoring or money.

The deadline is here to get cash from the Equifax data breach — but victims shouldn’t hold their breath for a payout

Data breaches have become a growing concern among consumers as nobody wants their private information and identities stolen.

2 Years After Equifax Data Breach, Is All Now Forgiven?

After big challenges in 2017 and 2018, the stock has rebounded and recently hit a new high.

Why Equifax Stock Climbed 50.5% in 2019

Lawyers will receive more than double the amount of consumers whose social security numbers and addresses were compromised.
We were going to remind you of the January 22 deadline to file your claim for a $125 Equifax settlement, but now your payout will now only be $6.80, CNBC reports—which is not worth the time it takes to fill out the application.

Your $125 Equifax settlement is now worth $6.80 while lawyers laugh all the way to the bank

On Thursday, a Georgia federal judge awarded $80 million to attorneys representing consumers against Equifax. That's just one more factor chipping away at the $125 cash payments consumers thought they were getting.

If you made a claim for $125 from Equifax, you're not getting it after court awards nearly $80 million to attorneys

Consumers hitting pause on borrowing amidst missing more payments Consumers hitting pause on borrowing amidst missing more payments

CORRECTION – Canadian consumers feeling the weight in the third quarter

Canadian consumers feeling the weight in the third quarter

Waiting for your Equifax settlement cash? Don’t hold your breath

Global Payments

Herbalife

Humana

Netflix

Former Tiger Cub’s firm buys Netflix and Icahn’s Herbalife in the 3rd quarter.

Top 5 Buys of Steve Mandel’s Lone Pine

Equifax (EFX) reported earnings 30 days ago. What's next for the stock?

Equifax (EFX) Up 0.2% Since Last Earnings Report: Can It Continue?

Envestnet

Genpact

Nielsen Hlds

Ritchie Bros. Auctioneers

Switch

Xerox

Let's discuss some Business Services companies, NLSN, ENV, G, RBA, and SWCH, which are due to report third-quarter 2019 earnings on Nov 7.

Business Services Q3 Earnings on Nov 7: NLSN, ENV & More

Amazon

Alphabet

Crown Hlds

Delta Air Lines

D.R. Horton

Healthcare Services Group

Mohawk Industries

Tom Gayner (Trades, Portfolio), the co-CEO of  Markel Gayner Asset Management, bought shares of the following stocks in both the second and third quarters.

Tom Gayner Continues to Buy Alphabet, Amazon and more

– Equifax survey suggests it’s because they’re already carrying too much debt – – Equifax survey suggests it’s because they’re already carrying too much debt –

More Canadians Planning to Spend Less this Holiday Season

Equifax, Inc. (EFX) CEO Mark Begor on Q3 2019 Results - Earnings Call Transcript

Equifax (EFX) third-quarter 2019 earnings and revenues increase year over year.

Equifax (EFX) Beats Q3 Earnings Estimates, Cuts '19 EPS View

Equifax (EFX) third-quarter 2019 revenues are likely to have benefited from strength across each of its segments - USIS, International, Global Consumer Solutions and Workforce Solutions.

Is a Beat in the Cards for Equifax (EFX) in Q3 Earnings?

Alliance Data Systems

Fiserv

We zero in on four payments stocks poised to beat third-quarter estimates, banking on solid fundamentals.

4 Payments Stocks Poised to Surpass Q3 Earnings Estimates

Equifax (EFX) aims to accelerate "speed to yes" for mortgage brokers and consumers.

News for Equifax Stock (EFX)