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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.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%.
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