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Equifax (EFX) investor relations material
Equifax J.P. Morgan 2025 Ultimate Services Investor Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.J.P. Morgan 2025 Ultimate Services Investor Conference summary18 Nov, 2025
Government and workforce solutions growth
Government vertical in workforce solutions is the fastest-growing segment, with $800M revenue and a $5B TAM, expected to grow double digits due to new federal requirements and underpenetration among agencies.
OB3 Bill introduces stricter data validation and audit thresholds, shifting $14B in costs to states if error rates aren't improved, driving demand for instant verification solutions.
New work and education monitoring products are being developed to meet 2026 requirements, leveraging partnerships and proprietary data.
Federal focus on reducing $160B in improper payments is expected to accelerate adoption of digital verification.
Government vertical is projected to outpace overall company growth, with 2026 anticipated as a strong year.
Talent solutions and record expansion
Talent solutions vertical targets a $4B TAM, currently at $400M, with growth driven by converting manual background checks to digital and expanding data sets through partnerships and acquisitions.
Unique data assets include incarceration and healthcare credentialing, with new products tailored for hourly workforce background checks.
Record base has grown 10% annually, now covering about 100M of 250M income-producing Americans, fueling consistent long-term growth.
Adding records enables immediate monetization due to existing integrations with lenders and agencies.
Dedicated teams focus on expanding employer participation and data coverage.
Mortgage market outlook and product innovation
Mortgage market remains down, with hard credit inquiries as the primary market indicator; recovery is expected as rates stabilize or decline, with potential for $1.2B incremental revenue and $700M EBITDA.
VantageScore, now accepted for conforming mortgages, is priced at $4.50 versus FICO's $10, aiming to drive industry conversion and create a $100M-$200M profit pool.
New credit file features include income and employment indicators for prequalification, differentiating offerings and driving share gains at no extra cost to originators.
High adoption of instant verification in mortgage due to speed and accuracy, with manual processes seen as a minor factor.
Guidance for 2026 will be provided in Q4 earnings, with scenarios for upside and downside.
OB3's impact on government vertical revenue growth
How to increase background screener adoption
How TWN indicator drives USIS share gains
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Goldman Sachs 2025 U.S. Financial Services Conference9 Dec, 2025
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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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