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

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Cash from financing

Change in stock

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Cash dividends paid

Cash from other sources

Net change in cash

Free cash flow

ATLANTA , Feb. 15, 2024 /PRNewswire/ -- Equifax ® (NYSE: EFX) will participate in several upcoming investor conferences. Mark W. Begor, Chief Executive Officer, and Trevor Burns, Senior Vice President of Corporate Investor Relations, will attend the Evercore ISI Payments & FinTech Innovators Forum on Thursday, February 29, 2024, including participating in a Fireside Chat at 9:40 A.M.

Equifax Announces Participation in Upcoming Investor Conferences

Equifax Inc. (EFX) Q4 2023 Earnings Call Transcript

Equifax's (EFX) fourth-quarter 2023 earnings increase year over year despite a weak mortgage market.

Equifax (EFX) Q4 Earnings and Revenues Surpass Estimates

While the top- and bottom-line numbers for Equifax (EFX) give a sense of how the business performed in the quarter ended December 2023, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.

Here's What Key Metrics Tell Us About Equifax (EFX) Q4 Earnings

Equifax (EFX) came out with quarterly earnings of $1.81 per share, beating the Zacks Consensus Estimate of $1.74 per share. This compares to earnings of $1.52 per share a year ago.

Equifax (EFX) Beats Q4 Earnings and Revenue Estimates

ATLANTA , Feb. 7, 2024 /PRNewswire/ -- Equifax Inc. (NYSE: EFX) today announced financial results for the quarter and full year ended December 31, 2023. Fourth quarter 2023 revenue of $1.327 billion grew strong 11%, with 14% non-mortgage local currency revenue growth Workforce Solutions 4Q revenue growth of 10%, with strong 17% non-mortgage revenue growth and Verification Services non-mortgage revenue growth of very strong 27% with strong growth in Government and Talent USIS 4Q revenue growth of 5% with 16% mortgage revenue growth and 3% non-mortgage revenue growth International 4Q revenue growth of 20% on a reported basis and 22% on a local currency basis, with organic local currency revenue growth of 6% Strong new product innovation leveraging new EFX Cloud with 14% 4Q new product Vitality Index Full year 2023 revenue growth of 3%, to $5.265 billion, despite the significant 17% decline in mortgage revenue from higher rates Strong execution of 2023 $210 million Cloud spending reduction plan Issuing full-year 2024 guidance midpoint expectation for revenue of $5.720 billion, up 8.6%, with strong non-mortgage local currency revenue growth of over 10.5% and Adjusted EPS of $7.35.

Equifax Delivers Fourth Quarter 2023 Revenue growth of 11% to $1.327 Billion Amid Challenging Mortgage Market

Equifax's (EFX) revenues and earnings are likely to grow year over year, driven by the acquisition of BVS and the Brazilian credit bureau.

Equifax (EFX) to Report Q4 Earnings: What's in the Offing?

Beyond analysts' top -and-bottom-line estimates for Equifax (EFX), evaluate projections for some of its key metrics to gain a better insight into how the business might have performed for the quarter ended December 2023.

What Analyst Projections for Key Metrics Reveal About Equifax (EFX) Q4 Earnings

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Investors seeking out the best financial stocks will want to tread carefully, focusing on high-quality names with solid fundamentals.

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EFX has a stake in the US mortgage market through its EWS and USIS segments, with mortgages accounting for around 24% of its FY22 revenue. The decrease in mortgage rates is expected to drive an increase in mortgage activity, benefiting Equifax's revenue and earnings per share.

Equifax: Well-Positioned For A Rebound Of The Mortgage Market

ATLANTA , Jan. 25, 2024 /PRNewswire/ -- Equifax ® (NYSE: EFX) will announce its financial results for the fourth quarter ended December 31, 2023 in a release to be issued on February 7 after the market closes. Equifax will host a conference call at 8:30 a.m.

Equifax Announces Earnings Release Date and Conference Call for Fourth Quarter 2023 Results

Fiserv Inc

Fidelity National Information

Visa

The widespread uptake of digital payments and continuous pursuit of M&A strategies may aid the Financial Transaction Services space. Stocks like V, MA, FI, FIS and EFX are poised to benefit from the favorable industry trends.

5 Financial Transaction Stocks to Gain From Favorable Consumer Spending

Equifax to Continue Management of Telecommunications, Pay TV, Utilities Database of Alternative Data Sources ATLANTA , Jan. 18, 2024 /PRNewswire/ -- Equifax ® (NYSE: EFX) has extended its long-standing relationship with the National Consumer Telecom and Utilities Exchange, Inc.® (NCTUE®) , an independent, non-profit, Fair Credit Reporting Act -compliant consumer credit reporting agency for the telecommunications, pay TV, internet, home security and utility industries.  Under the terms of the extended agreement, Equifax will continue its exclusive operation and management of the NCTUE database, and provide the organization with enhanced product innovation, advanced data security measures, and marketing support for new member recruitment.

Equifax Extends Service Agreement with National Consumer Telecom and Utilities Exchange

Equifax (EFX) benefits from its client base and ability to deliver personalized insights and decision-making solutions.

Reasons Why You Should Hold on to Equifax (EFX) Stock Now

Investors with an interest in Financial Transaction Services stocks have likely encountered both Fiserv (FI) and Equifax (EFX). But which of these two companies is the best option for those looking for undervalued stocks?

FI vs. EFX: Which Stock Should Value Investors Buy Now?

From a technical perspective, Equifax, Inc. (EFX) is looking like an interesting pick, as it just reached a key level of support. EFX's 50-day simple moving average crossed above its 200-day simple moving average, which is known as a "golden cross" in the trading world.

Equifax (EFX) Just Flashed Golden Cross Signal: Do You Buy?

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During the bull market of 2023, the “Magnificent Seven” stocks have dominated financial media coverage, and rightly so. There is no question that this group of companies has been performing very well in their core businesses and analysts expect the good times to continue.

Seven tech stocks that can broaden your exposure beyond the “Magnificent Seven”

Nuvei Corp

Investors looking for stocks in the Financial Transaction Services sector might want to consider either Nuvei Corporation (NVEI) or Equifax (EFX). But which of these two stocks offers value investors a better bang for their buck right now?

NVEI or EFX: Which Is the Better Value Stock Right Now?

- High Debt and Missed Payments Add to Rising Uncertainty - Equifax® Canada Market Pulse — Business Quarterly Credit Trends Report - Q3 2023 TORONTO, Dec. 12, 2023 (GLOBE NEWSWIRE) -- This holiday season, Canadian businesses face challenges including rising debt levels, slowing demand for new credit, and concerns about potential delinquencies, according to Equifax® Canada's latest Market Pulse Business Credit Trends and Insights report. Key findings from the Equifax Canada data include: Credit card debt for businesses surged 10.8 per cent annually in Q3, reaching $5.4 billion, indicating increased reliance on revolving credit.

Canadian Businesses Facing Crucial Challenges this Holiday Shopping Season

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Keysight

Our 3-step process focuses on wide-moat stocks (as per Morningstar's rating). We are only interested in those targets that are attractively valued in historical comparison. We share the heat map of the most investable candidates that may be worth your time for further analysis.

U.S. Wide-Moat Stocks On Sale - The December 2023 Heat Map

Equifax® Canada Market Pulse — Consumer Quarterly Credit Trends Report TORONTO, Dec. 06, 2023 (GLOBE NEWSWIRE) -- Total consumer debt in Canada stood at $2.4 trillion in Q3 2023, an increase of $80.9 billion from the same period last year, according to Equifax® Canada's latest Market Pulse Consumer Credit Trends and Insights report. Despite the impact of high interest rates and a slowing economy, mortgage debt rose by 1.7 per cent compared to the second quarter while non-mortgage debt growth was slightly lower at 1.2 per cent.

Missed Payments and Financial Strain Are Increasing for Many Canadians, Credit Card Debt Continues To Rise

ATLANTA , Dec. 1, 2023 /PRNewswire/ -- Equifax ® (NYSE: EFX) will participate in two investor conferences this month. Mark W. Begor, Chief Executive Officer, and John Gamble, Chief Financial Officer, will attend the Goldman Sachs Financials Conference on Tuesday, December 5, 2023, including participating in a Fireside Chat at 12:20 P.M.

Equifax Announces Participation in December Investor Conferences

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

Why Is Equifax (EFX) Up 12% Since Last Earnings Report?

TORONTO, Nov. 14, 2023 (GLOBE NEWSWIRE) -- Facing financial pressures, Canadians are planning to be more budget-conscious and security-minded for the 2023 holiday shopping season, according to a new survey* from Equifax Canada. KEY FINDINGS 68 per cent of respondents said they plan to budget for holiday shopping this year, up from 57 per cent in 2022.

Equifax Canada: Budget Planning and Fraud Prevention ‘Top the List' this Holiday Season

NVIDIA

Zhong Yang Financial Group Ltd

Though not the most heartwarming topic, investors will likely do well to at least consider the topic of overvalued stocks to sell. Just from the “gravitational” concept, what goes up eventually comes back down.

News for Equifax Stock (EFX)