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Equifax (EFX) investor relations material

Equifax JPMorgan U.S. All Stars Conference summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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JPMorgan U.S. All Stars Conference summary16 Sep, 2025

Strategic transformation and growth outlook

  • Completed a $3 billion cloud transformation, now enabling a pivot to innovation and growth, with over 90% of revenue on the new platform.

  • Raised long-term organic growth targets to 7–10% (8–12% with M&A) and margin expansion to 50 bps per year, reflecting increased confidence in operating leverage.

  • Vitality Index, measuring new product revenue, consistently exceeds 10%, highlighting innovation momentum.

  • Cloud and AI investments are seen as key differentiators, supporting higher product performance and stability.

  • Growth framework is achievable even with a flat mortgage market; mortgage recovery would provide further upside.

Mortgage market dynamics and financial impact

  • Mortgage market has been a significant headwind, with $1 billion in lost revenue over four years; 2025 expected to be down 10%.

  • Full mortgage recovery could add $1.2 billion in revenue, $700 million in EBITDA, and $4/share in EPS by 2030.

  • No ceiling on margin expansion; upside from pricing, product rollouts, and share gains not fully modeled.

  • Capital allocation prioritizes investment in growth, disciplined bolt-on M&A, dividend growth, and buybacks.

Workforce Solutions and government vertical

  • Workforce Solutions targets a $15 billion TAM, with current revenue just above $2.5 billion, mainly competing against manual processes.

  • Four growth levers: pricing, new products, record additions, and penetration, with government vertical expected to outpace 13%+ growth.

  • Government business ($800 million) is poised for rapid growth due to new federal requirements (OB-3 bill) and focus on reducing $160 billion in improper payments.

  • Instant income verification delivers speed, productivity, and integrity, supporting expansion in social services and new programs like Earned Income Tax Credit.

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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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