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Equifax (EFX) investor relations material
Equifax Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary21 Oct, 2025
Executive summary
Q3 2025 revenue reached $1.545 billion, up 7% year-over-year and $25 million above guidance, driven by strong USIS mortgage and non-mortgage, EWS, and international performance.
Net income attributable to shareholders increased 13% year-over-year to $160.2 million; diluted EPS rose 14% to $1.29, and adjusted EPS was $2.04, $0.12 above guidance.
Returned $360 million to shareholders in Q3 2025, including $300 million in share repurchases and higher dividends, with a new $3 billion repurchase program authorized.
Launched new VantageScore 4.0 mortgage pricing, expected to drive $100M–$200M incremental annual profit at full adoption and enhance competitiveness.
Significant investments in cloud, data, analytics, and AI-powered solutions accelerated innovation and operational efficiency.
Financial highlights
Adjusted EBITDA margin was 32.7% in Q3 2025; Workforce Solutions 51.2%, USIS 35.2%, International 31.3%.
USIS revenue grew 11% year-over-year, with mortgage revenue up 26% and non-mortgage up 5%.
EWS revenue grew 5%, led by high single-digit government growth and 20% consumer lending growth; non-mortgage verifier up 7%.
International revenue rose 7% in constant currency, with Canada up 11%, Latin America up 9%, and Boa Vista (Brazil) up 12%.
Free cash flow guidance for 2025 increased to $950M–$975M, with cash conversion above 100%.
Outlook and guidance
Full-year 2025 revenue guidance raised to $6.030–$6.060 billion, up 6.1%–6.7% year-over-year; adjusted EPS guidance increased to $7.55–$7.65.
Q4 2025 revenue expected between $1.506–$1.536 billion; adjusted EPS $1.98–$2.08.
Non-mortgage constant dollar revenue growth projected over 5.5% for the year.
2026 guidance to be provided in February; long-term framework targets 7%–10% organic revenue growth and 50 bps EBITDA margin expansion annually.
Vitality index (new product revenue) hit a record 16% for the quarter, with 2025 guidance raised to 13%.
VantageScore pricing: expected conversion?
Cloud's impact on new product innovation?
U.S. hiring market headwinds: specific impact?
VantageScore adoption drivers and timeline?
OB3 impact on state TWN funding?
EFX.AI monetization and cost deployment?
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Q4 202512 Feb, 2026
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Frequently asked questions
Equifax Inc. delivers information solutions and human resources business process outsourcing services for businesses, governments, and consumers. The Company's solutions include fraud prevention and detection, credit risk assessment, personnel management, tax filing and compliance, and income verification services. It also manages its outsourcing platform that provides solutions to enterprises to automate and outsource various business processes.
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