Equifax (EFX) Conference presentation summary

Strategic priorities and financial framework

• Focus on innovation, AI-driven products, and leveraging cloud capabilities to drive growth and operational efficiency.

• Targeting 7-10% organic revenue growth, 8-12% EBITDA margin improvement, and 13-18% cash EPS growth for 2026.

• Emphasis on bolt-on M&A, with the acquisition of Círculo de Crédito in Mexico for $750M to expand global footprint.

• Continued leadership in cybersecurity and commercial excellence.

• Strong focus on customer-centricity and operational optimization through AI initiatives.

Financial performance and shareholder returns

• 2Q26 revenue up 7% ex-FICO, adjusted EPS up 13%, and adjusted EBITDA margin up 120 bps ex-FICO.

• Returned $366M to shareholders in 2Q26 through $300M share repurchases and $66M dividends.

• Repurchased 6.6M shares LTM 6/30/26 for $1.4B; $1.6B cash to shareholders represents ~100% of operating cash flow.

• Free cash flow conversion remains strong, supporting ongoing shareholder returns.

AI, cloud, and product innovation

• Over 90% of revenue from proprietary and regulated data sources, with AI-enabled solutions driving growth.

• $3B cloud investment and 440+ AI patents underpin rapid product innovation and time-to-market improvements.

• 16% Vitality Index in 2Q26, with 54 new AI-embedded products launched in 1H26.

• AI-driven productivity goal doubled to $150M, with significant cost savings and margin expansion.