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

ATLANTA, June 21, 2021 /PRNewswire/ -- Equifax (NYSE: EFX)  has expanded its Affordable Care Act (ACA) Management solution to help satisfy state reporting requirements for the states that have recently implemented their own individual mandates. In those states, employers have additional reporting requirements and must file the same information with the state as to the IRS, a potentially manual and time-consuming task for HR and payroll teams.

Equifax Workforce Solutions Expands ACA Service to Help Employers Meet Their State Reporting Requirements

ATLANTA, June 21, 2021 /PRNewswire/ -- As part of the company's continued efforts to responsibly expand access to credit, Equifax  (NYSE: EFX) today announced a special edition of its industry-leading Market Pulse webinar series. The event, "Accelerating Access to Credit," will be held on June 24.

Equifax To Discuss Financial Inclusion and Access to Credit With JPMorgan Chase Institute and Invest America on June 24

EVERTEC

Fiserv

PayPal

Block

The fintech umbrella offers several segments that investors can tap into for higher returns. Here are the stocks to watch -- EVERTEC (EVTC), Equifax (EFX), PayPal (PYPL), Fiserv (FISV) & Square (SQ)

5 Fintech Stocks to Watch Beyond the Cryptocurrency Hype

Credit Card Debt Down to its Lowest Level in 6 Years Credit Card Debt Down to its Lowest Level in 6 Years

Hot Housing Market Drives Overall Consumer Debt Higher Ahead of New Mortgage Stress Test

Analysis indicates growing concern for uneven K-shaped recovery Analysis indicates growing concern for uneven K-shaped recovery

Equifax Canada data indicates COVID-19 financial crisis is not over for consumers, small businesses

ATLANTA, May 24, 2021 /PRNewswire/ -- Equifax (NYSE: EFX) is bringing new decision intelligence to lenders and other businesses with the cloud-based OneView™ report which now includes access to real-time income and employment information from The Work Number® database. The visual OneView report sets a new industry standard in the delivery of consumer credit insights by providing access to traditional credit data and differentiated data sources that only Equifax can provide in a single inquiry to help businesses quickly and responsibly open up new financial opportunities.

Equifax Brings New Decision Intelligence to the Cloud-Based OneView Report for Businesses With The Work Number Database

Credit reporting agency Equifax has promoted Lisa M. Nelson to president.

Equifax Names Lisa Nelson As President

Nelson will be responsible for strengthening Equifax's (EFX) foothold outside the U.S. in five regions and 23 nations.

Equifax (EFX) International Appoints Lisa Nelson as President

ATLANTA, May 23, 2021 /PRNewswire/ --  Equifax Inc.  (NYSE: EFX) has announced the promotion of Lisa M. Nelson to President of Equifax International, reporting directly to CEO Mark W.

Equifax Announces Lisa M. Nelson as President of Equifax International

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

Equifax (EFX) Up 5.4% Since Last Earnings Report: Can It Continue?

ATLANTA, May 18, 2021 /PRNewswire/ -- Equifax Inc. (NYSE:EFX), a data, analytics, and technology company announced its free, virtual conference, Ignite LIVE 2021 , will take place Tuesday, May 25 from 10am-2pm ET. This year's event focuses on digital convergence across the financial services industry.

Equifax Ignite Live 2021 Explores Digital Convergence for Financial Services

ATLANTA, May 17, 2021 /PRNewswire/ -- Equifax Workforce Solutions is deploying several new initiatives designed to accelerate its manual verification solutions which complement the services provided by The Work Number Ⓡ  database .  Timely verifications of consumer income and employment are at the heart of most credit, employment and social service benefit decisions.

Equifax Workforce Solutions Set To Deliver Accelerated Manual Verification Services

Equifax (EFX) is benefiting from a solid product portfolio and clear understanding of the diverse sectors it serves.

Equifax (EFX) Rides on Product Strength, Debt Woes Stay

ATLANTA, May 11, 2021 /PRNewswire/ -- Complex income situations on mortgage applications can create incremental work for mortgage bankers and brokers as they look to review and approve homebuyers for mortgage financing. Equifax Workforce Solutions recently announced that lenders can now request "All Employers Within 36 months" to pull the prior 36 months of income and employment data available on The Work NumberⓇ database to help create a more informed, expanded view of a consumer's potential ability to pay.

Equifax Workforce Solutions Offers Mortgage Lenders "All Employers Within 36 Months" Verifications Through The Work Number

BOISE, Idaho, May 6, 2021 /PRNewswire/ -- Kount, an Equifax company, and a leader in digital identity trust and fraud prevention, today announced the Kount Dispute and Chargeback Management Solution, a comprehensive, post-authorization solution that integrates major card brand dispute and alert systems with industry-leading AI-driven fraud prevention. The Kount Dispute and Chargeback Management solution prevents chargebacks and revenue losses in a single, easy-to-use solution and dashboard.

Kount, An Equifax Company, Announces New Dispute and Chargeback Management Solution, Integrating Major Card Brand Offerings in One Dashboard

ATLANTA, May 6, 2021 /PRNewswire/ -- Kount, an Equifax ® (NYSE: EFX) company, and a leader in digital identity trust and fraud prevention, today announced a new joint offering of two award-winning products from Ethoca , a Mastercard Company. Ethoca Alerts and Consumer Clarity™ are being delivered as part of the Kount Dispute and Chargeback Management Solution, a comprehensive, post-authorization solution that integrates best-in-class fraud and customer dispute alert systems with in-depth transaction details and industry-leading AI-driven fraud prevention.

Kount, An Equifax Company, Announces Partnership with Ethoca for Dispute Management

ATLANTA, May 5, 2021 /PRNewswire/ -- Equifax Inc., a data, analytics and technology company, today released an inaugural 2020 Security Annual Report , detailing the company's three-year enterprise-wide cloud-technology and security transformation, establishing the company as a leader in security. The steps Equifax has taken to quickly rebuild its entire organization from technology to culture serve as a blueprint for how other organizations can establish a security-first approach to maintain success and protect themselves and their customers.

Equifax Launches 2020 Security Annual Report

International Flavors & Fragrances

Microchip Technology

Markel

Owens-Illinois

Regeneron Pharmaceuticals

Tom Gayner (Trades, Portfolio), chief investment officer of Markel Corp. ( MKL , Financial), disclosed this week that his firm's top five trades during the first quarter included a new buy in Regeneron Pharmaceuticals Inc. ( REGN , Financial), position boosts in Equifax Inc. ( EFX , Financial) and International Flavors & Fragrances Inc. ( IFF , Financial) and reductions in the Microchip Technology Inc. ( MCHP , Financial) and O-I Glass Inc. ( OI , Financial) holdings.

Top 5 Trades of Tom Gayner's Markel in 1st Quarter

Clorox

McDonald's

Visa

Automatic Data Processing

Cintas Corp

Target

While tech stocks are expected to be highly valued, it makes no sense for mature blue-chip stocks to be valued so highly. The post 7 Overvalued Blue-Chip Stocks That Are Not Tech Stocks appeared first on InvestorPlace.

7 Overvalued Blue-Chip Stocks That Are Not Tech Stocks

Clearfield

National Bankshares

PCB Bancorp.

Tsakos Energy Navigation Ltd

Apple saw sales jump 54% while also announcing it would hike its dividend by 7%. Facebook also saw revenue jump 48% and saw its stock pop 7%.

Top Stocks To Buy After Positive Earnings Reports From Facebook And Apple

Does Equifax (EFX) have what it takes to be a top stock pick for momentum investors? Let's find out.

Here's Why Momentum Investors Will Love Equifax (EFX)

Equifax (EFX) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions.

Earnings Estimates Moving Higher for Equifax (EFX): Time to Buy?

ATLANTA and NEW YORK, April 27, 2021 /PRNewswire/ -- Global data, analytics and technology company Equifax  (NYSE: EFX), and global fintech innovator, Revolut today announced a new strategic relationship. Used by more than 15 million people globally to make over 100 million transactions a month, Revolut has selected Equifax to better serve its customers in the United States and provide a more diverse range of services.

Revolut Selects Equifax as U.S. Data and Analytics Partner

ATLANTA, April 27, 2021 /PRNewswire/ -- Equifax (NYSE: EFX) has introduced a new InnovationX immersive experience to help fintechs, established financial institutions and other organizations accelerate innovation in today's competitive market. This unique testing ground for new financial services products enables organizations to validate ideas and understand new markets with ready access to real-time, cloud-native data and advanced analytics that only Equifax can provide.

Equifax Accelerates Fintech Innovation With New InnovationX Immersive Experience

ATLANTA, April 26, 2021 /PRNewswire/ -- As the Bureau of Labor Statistics (BLS) is reporting initial increases for hiring in March, Equifax (NYSE: EFX) offers Compliance Center Advanced, designed to assist employers with many of the nuances involved in rehiring and remote hiring. More employers have embraced remote hiring practices and as the economy recovers organizations are looking to rehire employees that were let go as part of the downturn associated with the pandemic.

News for Equifax Stock (EFX)