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Equifax (EFX) investor relations material
Equifax Goldman Sachs U.S. Financial Services Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Goldman Sachs U.S. Financial Services Conference summary9 Dec, 2025
U.S. consumer credit environment and emerging risks
Credit environment remains stable with low unemployment and high employment supporting consumer strength, but inflation and lower wage growth are pressuring lower-end consumers, leading to increased delinquencies in that segment.
Delinquencies are rising in asset classes like auto, especially among subprime and near-prime consumers affected by inflation.
No significant changes in customer behavior; fintechs are increasing data usage for better underwriting, leveraging alternative data and new indicators.
Consumer confidence and spending are closely monitored as they impact credit demand and quality.
Overall environment expected to remain similar through 2025 and into 2026.
Hiring trends and background screening
Blue-collar hiring remains strong, while white-collar hiring is weak due to economic uncertainty, AI-driven productivity, and corporate caution.
Resolution of tariffs, lower inflation, and rate reductions could stimulate hiring recovery.
Background screening data business is growing by leveraging digital work history and expanding into blue-collar and healthcare credentialing.
Outperformance in background screening is driven by new products, broader coverage, and subscription-like contracts with screeners.
The total addressable market for background screening data is $3–$4 billion, with current revenues at $400 million.
Organic growth targets and mortgage market dynamics
Long-term organic growth target is 7%-10%, assuming normal economic conditions and a couple points of GDP growth.
Mortgage market has been in a recession, down 50% from 2015–2019 levels, but is expected to bottom out and recover as rates decline.
Recovery in mortgage could add $1.2 billion in revenue, $700 million in EBITDA, and $4 per share, on top of the 7%-10% baseline growth.
New product innovation, price increases, and record additions are key drivers for achieving growth targets.
Government and international markets present additional growth opportunities.
How does Equifax's twin indicator address subprime risk?
How is AI impacting white-collar hiring volumes?
What are the main hurdles to VantageScore adoption?
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Q4 202512 Feb, 2026
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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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