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

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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.

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

New Offering Is First to Combine Traditional Credit Data With Telecommunications, Utility, Pay TV and Speciality Finance Data; Builds on Equifax Leadership in Alternative Data to Boost Scorable Population of Credit Seeking U.S. Consumers ATLANTA , March 27, 2023 /PRNewswire/ --  Equifax ® (NYSE: EFX) continues to support financially inclusive lending with the launch of OneScore, a new consumer credit scoring model that combines the company's leadership in alternative data insights with the power of the Equifax Cloud™ to provide U.S. lenders and service providers with a more comprehensive financial picture of credit seeking consumers. OneScore is unique to the industry because it is the first single score to combine traditional credit history with telecommunications, pay TV and utility payment data on over 191 million consumers, as well as Equifax DataX and Teletrack specialty finance data on 80 million consumers - including payment history from non-traditional banks and lenders - potentially increasing credit scores by up to 25 points and the scorable population by more than 20 percent.

Equifax Introduces New OneScore Scoring Model to Help Expand Access to Credit and Drive Financially Inclusive Lending

Third Annual Report Demonstrates Company's Leadership in Cybersecurity and Commitment to Ongoing Industry Innovation ATLANTA , March 21, 2023 /PRNewswire/ --  Equifax ® (NYSE: EFX) today released its 2022 Security Annual Report, highlighting the year's accomplishments and future challenges for the industry in cybersecurity. The third annual report reflects Equifax's enhanced security transparency measures, expansion of the company's public-private security partnerships, and joint innovation with vendors to augment its security toolset and bring new capabilities to the broader market.

Equifax Releases 2022 Security Annual Report

Fraud rates across Canada increased by 33.4 per cent over the last year, with credit card, mortgage, and auto industries hit hardest Fraud rates across Canada increased by 33.4 per cent over the last year, with credit card, mortgage, and auto industries hit hardest

Equifax Canada Launches Industry-Leading Fraud Prevention Platform FraudIQ Manager™ to Help Businesses Fight Fraud in Real Time

Cloud-Native Platform Delivers People-First Employee Experience for Employers of All Sizes ATLANTA , March 15, 2023 /PRNewswire/ -- Equifax® (NYSE: EFX) today announced the launch of the PeopleHQ™ portal, a cloud-native solution that brings together multiple best-in-class employer compliance services in a single, unified experience. PeopleHQ will help HR professionals spend more time supporting their employees while reducing time spent mitigating risk and managing the complexities of multiple HR compliance platforms.

Equifax Helps Streamline Human Resources Digital Experience with PeopleHQ™

ATLANTA , March 14, 2023 /PRNewswire/ -- Equifax® (NYSE: EFX) has named Todd Horvath as President of U.S. Information Solutions (USIS) effective March 31, 2023. In this role, Horvath will drive the business unit's overarching growth strategy - leveraging the company's differentiated data assets, Equifax Cloud™-based technology and deep analytics expertise to create innovative solutions that drive financial opportunity for businesses and consumers.

Equifax Names Todd Horvath as President U.S. Information Solutions

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

Why Is Equifax (EFX) Down 4.6% Since Last Earnings Report?

Equifax® Canada Market Pulse — Consumer Quarterly Credit Trends Report Equifax® Canada Market Pulse — Consumer Quarterly Credit Trends Report

Economic Headwinds Impacting Debt Levels and Credit Payment Behaviour

Technology transformation and strong customer base boost the Equifax (EFX) stock.

Reasons to Hold Equifax (EFX) Stock in Your Portfolio Now

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New Instant Client Insights Case Monitor™ Helps Support Continuity of Government Benefits with Data-Driven Insights ATLANTA , March 7, 2023 /PRNewswire/ -- Equifax ® (NYSE: EFX) today announced the launch of Instant Client Insights (ICI) Case Monitor™ to help government health and human services agencies make quicker and more informed benefit decisions for the people they serve. Powered by the Equifax TotalVerify™ data hub, ICI Case Monitor is designed to conduct the traditional searches agencies currently use and monitor for potential beneficiary life changes.

Equifax Launches New Solution to Support Social Service Agencies Through All Phases of the Benefit Lifecycle

ATLANTA , March 6, 2023 /PRNewswire/ --  Equifax ® Inc. (NYSE: EFX) ("Equifax") has filed a registration statement with the U.S. Securities and Exchange Commission (SEC) in connection with the company's acquisition of Boa Vista Serviços (BOAS3: SAO), the second largest credit bureau in Brazil. Equifax and Boa Vista Serviços entered into a Merger Agreement on February 9, 2023 (the "Merger Agreement").

Equifax Files Registration Statement with U.S. Securities and Exchange Commission Related to Acquisition of Boa Vista Serviços

Cloud-based Kount 360 Platform Offers Businesses a Full Suite of Identity, Payment and Compliance Solutions on a Single User Interface BOISE, Idaho , March 2, 2023 /PRNewswire/ -- Kount, an Equifax ® (NYSE: EFX) company, announced the launch of Kount 360, a new identity and payments solution powered by the Equifax Cloud™ . Kount 360 integrates the full suite of Kount products within a single platform and user interface to help businesses prevent digital fraud and achieve operational efficiency by removing the need to manage multiple point solutions.

Kount, an Equifax Company, Announces New Identity and Payments Platform

More people are checking their credit reports to spot identity theft More people are checking their credit reports to spot identity theft

Canadians fighting back against fraud and identity theft according to Equifax Canada survey

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WestRock

The stock market has rallied meaningfully in recent weeks. And while the macroeconomic outlook remains challenging, investors have started 2023 with a more optimistic posture.

7 Stocks to Buy at a Discount Now

Telecommunications, Pay TV and Utilities Insights Now Available Alongside Mortgage Credit Reports to Help Create Greater Home Ownership Opportunities For Millions of U.S. Consumers ATLANTA , Feb. 28, 2023 /PRNewswire/ -- Equifax®  (NYSE: EFX) is supporting financially inclusive lending with the availability of expanded U.S. mortgage credit reports. The company is the first National Credit Reporting Agency (NCRA) to make certain telecommunications (telco), pay TV and utilities attributes available to the mortgage industry to provide a fuller picture of consumers' financial profiles - potentially enabling more than 191 million American consumers, 80 percent of whom have traditional credit files but may benefit from additional insights into their financial profile, to have greater opportunities for homeownership.

Equifax Supports Financially Inclusive Lending With Availability of Expanded U.S. Mortgage Credit Reports

Fiserv

Mastercard

Visa

The widespread adoption of digital payments, recovering cross-border travel and tech investments might drive the Financial Transaction Services space. Stocks like V, MA, FISV, GPN and EFX are poised to benefit from the favorable industry trends.

5 Financial Transaction Stocks to Gain From Rising Digitization

Automotive businesses can now use Narrative to create custom cuts of select Equifax audience segments NEW YORK , Feb. 15, 2023 /PRNewswire/ --  Narrative , the world's leading data collaboration platform, today announced a partnership with Equifax , a global data, analytics and technology company, to streamline access to and activation of unique wealth, economic and credit-based audience data from Equifax for automotive businesses. The partnership is designed to give marketing and analytics teams the ability to create custom segments from Equifax datasets and deliver them to activation endpoints with just a few clicks.

Narrative partners with Equifax to enable easy customization of differentiated financial datasets

Acquisition Will Expand Equifax International Footprint in Large, Fast-Growing Brazilian Market ATLANTA , Feb. 9, 2023 /PRNewswire/ -- Equifax ® Inc. (NYSE: EFX) ("Equifax") today announced a definitive agreement to acquire Boa Vista Serviços (BOAS3: SAO), the second largest credit bureau in Brazil. The agreement was approved by the Boa Vista Serviços Board of Directors for R$8.00 per share, implying an estimated total enterprise value of R$3,103 million, or USD$596 million based on a USD/BRL exchange rate of 5.2033 (PTAX as of February 8, 2023).

Equifax Signs Definitive Agreement to Acquire Boa Vista Serviços

Equifax Inc. (NYSE:EFX ) Q4 2022 Earnings Conference Call February 9, 2023 8:30 AM ET Company Participants Trevor Burns - Head of Equifax Investor Relations Mark Begor - Chief Executive Officer John Gamble - Chief Financial Officer Conference Call Participants Manav Patnaik - Barclays Andrew Steinerman - JPMorgan Kyle Peterson - Needham & Company Kevin McVeigh - Credit Suisse Kelsey Zhu - Autonomous Research Andrew Jeffrey - Truist Andrew Nicholas - William Blair Shlomo Rosenbaum - Stifel Toni Kaplan - Morgan Stanley Seth Weber - Wells Fargo David Togut - Evercore John Mazzoni - RBC George Tong - Goldman Sachs Surinder Thind - Jefferies Heather Balsky - Bank of America Faiza Alwy - Deutsche Bank Andy Grobler - BNP Paribas Operator Greetings, and welcome to the Equifax Fourth Quarter 2022 Earnings Conference Call. At this time, all participants are in a listen-only mode.

Equifax Inc. (EFX) Q4 2022 Earnings Call Transcript

Equifax (EFX) fourth-quarter 2022 revenues decrease year over year.

Equifax (EFX) Q4 Earnings Beat Estimates, Revenues Plunge Y/Y

ATLANTA , Feb. 8, 2023 /PRNewswire/ -- Equifax® (NYSE: EFX) today announced financial results for the quarter and full year ended December 31, 2022. Full year 2022 revenue grew 4% to $5.122 billion, offsetting the significant 23% mortgage revenue decline Fourth quarter 2022 revenue of $1.198 billion was down 4% due to a 41% decline in mortgage revenue Workforce Solutions 4Q non-mortgage revenue growth of 17% with strong growth in Talent and Government USIS 4Q non-mortgage revenue growth of 10% with strong 19% Online non-mortgage revenue growth International 4Q constant currency revenue growth of 9% Strong new product innovation leveraging new EFX Cloud with record 4Q Vitality Index of 14% Accelerating Cloud cost savings and executing broader restructuring to deliver $200 million of spending reduction in 2023, including $120 million in expense and $80 million in capital spending reductions "We delivered a strong 2022 with 17% non-mortgage growth in an unprecedented mortgage market decline.

Equifax Delivers Record 2022 Revenue of $5.122 Billion

ATLANTA , Feb. 2, 2023 /PRNewswire/ -- Equifax ® (NYSE: EFX) today announced that Karen Fichuk, Executive Board member for Randstad N.V., and former Chief Executive Officer for Randstad North America, has been elected to its board of directors.

Equifax Names Karen Fichuk to Board of Directors

Equifax (EFX) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Analysts Estimate Equifax (EFX) to Report a Decline in Earnings: What to Look Out for

Acquisition Expands the Breadth of Small Business Insights Equifax Can Provide in Canada and Worldwide Acquisition Expands the Breadth of Small Business Insights Equifax Can Provide in Canada and Worldwide

News for Equifax Stock (EFX)