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

- 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.

3 Overvalued Stocks That Might Not Survive the 2024 Market

Equifax Canada Survey Provides Consumer Perspectives on Credit Awareness and Housing Ahead of Financial Literacy Month Equifax Canada Survey Provides Consumer Perspectives on Credit Awareness and Housing Ahead of Financial Literacy Month

Canadians Cite Concerns Over Bills, Debt, and Identity Theft

Paysafe

Investors interested in stocks from the Financial Transaction Services sector have probably already heard of Paysafe Limited (PSFE) and Equifax (EFX). But which of these two companies is the best option for those looking for undervalued stocks?

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

Virtual Capability Will Help Employers More Easily Onboard Remote Workers Amidst New DHS Regulations  ATLANTA , Oct. 26, 2023 /PRNewswire/ -- Equifax ® (NYSE: EFX) is addressing the growing demand for flexible, remote onboarding services by offering a virtual component of its award-winning I-9 Anywhere ® solution. This enhancement will make it easier for eligible employers to streamline their onboarding processes and enhance new hire experiences.

Equifax to Expand I-9 Anywhere® with New Virtual Option

Equifax Inc. (EFX) Q3 2023 Earnings Call Transcript

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

Equifax (EFX) Q3 Earnings and Revenues Miss Estimates

Credit-reporting firm Equifax is hurting from a weaker U.S. mortgage market, and unfavorable exchange rates.

Equifax Stock Is Falling. Earnings and Guidance Both Disappointed.

Equifax (EFX) came out with quarterly earnings of $1.76 per share, missing the Zacks Consensus Estimate of $1.78 per share. This compares to earnings of $1.73 per share a year ago.

Equifax (EFX) Lags Q3 Earnings and Revenue Estimates

Equifax Inc. shares fell in the extended session Wednesday after the credit-score agency cut its outlook for the year, blaming a weak mortgage market that is expected to continue in the current quarter.

Equifax's stock drops as outlook is cut

ATLANTA , Oct. 18, 2023 /PRNewswire/ -- Equifax ® (NYSE: EFX) today announced financial results for the quarter ended September 30, 2023. Third quarter 2023 revenue of $1.319 billion up 6% and up 6.5% in local currency against a weaker than expected mortgage market estimated to be down 29% based on Equifax mortgage credit inquiries and the strengthening U.S. dollar, which negatively impacted revenue.

Equifax Third Quarter Results Show Strong Execution Towards Strategic Priorities In Challenging Mortgage Market

Equifax (EFX) is seeing favorable earnings estimate revision activity and has a positive Zacks Earnings ESP heading into earnings season.

Why Earnings Season Could Be Great for Equifax (EFX)

Continued strong customer demand across various lines of business is expected to benefit Equifax (EFX) in the third quarter of 2023.

Here's What to Expect From Equifax's (EFX) Q3 Earnings

Equifax (NYSE:EFX) Ltd, a subsidiary of blue-chip credit agency Equifax Inc, has been fined more than £11 million by the UK Financial Conduct Authority (FCA) for its failure to oversee and secure UK consumer data outsourced to its US-based parent company. In 2017, a significant cybersecurity breach at Equifax exposed the personal data of approximately 13.8 million UK customers.

Equifax fined over £11 million for mass cybersecurity failures

Britain's financial watchdog said on Friday it had fined consumer credit rater Equifax Ltd 11 million pounds ($13.4 million) for its role in "one of the largest" cyber-security breaches in history.

UK watchdog fines Equifax $13.4 million for role in cyber breach

Investors interested in Financial Transaction Services stocks are likely familiar with Paysafe Limited (PSFE) and Equifax (EFX). But which of these two companies is the best option for those looking for undervalued stocks?

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

ATLANTA , Oct. 5, 2023 /PRNewswire/ --  Equifax ® (NYSE: EFX) will announce its financial results for the third quarter ended September 30, 2023 in a release to be issued on October 18 after the market closes. Equifax will host a conference call at 8:30 a.m.

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

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- Despite Economic Headwinds, New Business Openings on the Rise - Equifax® Canada Market Pulse — Business Quarterly Credit Trends Report - Q2 2023

Small Businesses Grapple with Financial Strain, Impacting Customers

Equifax's (EFX) ongoing cloud data and technology transformation is aimed at driving innovation and product development.

News for Equifax Stock (EFX)