Equifax
Credit, workforce, and identity data for lending and employment decisions.
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Profile
Sells employment and income verification, credit data and scores, mortgage reports, identity and fraud tools, and employer-compliance services across U.S. and international markets. Services are primarily delivered per transaction, with subscriptions also used; data quality, regulation, mortgage demand, and hiring activity shape results.
Organizes its data, analytics, and decisioning services into three segments. Workforce Solutions sells employment, income, education, and background verification through The Work Number, alongside Employer Services for payroll tax, onboarding, and workforce-compliance workflows. U.S. Information Solutions supplies consumer and commercial credit data, scores, mortgage reports, identity and fraud tools, and financial marketing services.
Extends similar credit, decisioning, fraud, and recovery services through International operations across Latin America, Europe, Asia Pacific, and Canada. Proprietary credit, employment, income, and identity data feed cloud-based analytics and software used by lenders, employers, government agencies, and other businesses, with much of the service delivered transactionally.
Revenue remains sensitive to mortgage and hiring activity. Operations depend on secure, accurate data, available outsourced cloud systems, and compliance with consumer-reporting, privacy, cybersecurity, and artificial-intelligence rules.
Company facts
Categories
Key statistics
Year to date −9.3% · Average volume (30d) 1.5M
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Aug 21, 2026 | BMO Capital | Initiate | Outperform | |||
| Aug 21, 2026 | William Blair | Initiate | Outperform | |||
| Aug 21, 2026 | HSBC | Downgrade | Hold | |||
| Aug 21, 2026 | Evercore ISI | Initiate | Outperform | |||
| Aug 21, 2026 | Citigroup | Downgrade | Buy | Neutral |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 21, 2026Q2 FY26 | $2.20 | $2.25 | +2.3% | $1.70B | $1.70B | +0.2% | −1.47% |
| Apr 21, 2026Q1 FY26 | $1.69 | $1.86 | +10.1% | $1.62B | $1.65B | +2.0% | −7.15% |
| Feb 4, 2026Q4 FY25 | $2.06 | $2.09 | +1.5% | $1.53B | $1.55B | +1.5% | +5.51% |
| Oct 21, 2025Q3 FY25 | $1.94 | $2.04 | +5.2% | $1.52B | $1.54B | +1.5% | +0.31% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $1.44B | $1.54B | $1.54B | $1.55B | $1.65B | $1.70B | |
| Gross profit | $785.3M | $872.4M | $881.7M | $170.0M | $881.8M | $926.4M | |
| Operating income | $235.8M | $310.8M | $264.3M | $284.2M | $287.7M | $314.2M | |
| Net income | $133.1M | $191.3M | $160.2M | $175.7M | $171.5M | $183.9M | |
| Diluted EPS | $1.06 | $1.53 | $1.29 | $1.44 | $1.42 | $1.54 | |
| Gross margin | 54.5% | 56.8% | 57.1% | 11.0% | 53.5% | 54.5% | |
| Operating margin | 16.4% | 20.2% | 17.1% | 18.3% | 17.4% | 18.5% |
Fiscal years (4-quarter sums)FY21 $4.92B · FY22 $5.12B · FY23 $5.27B · FY24 $5.68B · FY25 $6.07B
Revenue by product · Q2 FY26
Revenue by geography · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $170.1M · Total debt $5.47B · Total assets $11.98B · Shareholders' equity $4.38B
Dividends
Raised for 23 straight years — most recently to $0.56 from $0.50 in Mar 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| May 22, 2026 | May 22 | Jun 15 | $0.56 | |
| Mar 9, 2026 | Mar 9 | Mar 17 | $0.56 | raised from $0.50 |
| Nov 24, 2025 | Nov 24 | Dec 15 | $0.50 | |
| Sep 2, 2025 | Sep 2 | Sep 15 | $0.50 | |
| May 23, 2025 | May 23 | Jun 13 | $0.50 | raised from $0.39 |
| Feb 21, 2025 | Feb 21 | Mar 14 | $0.39 | |
| Nov 22, 2024 | Nov 22 | Dec 13 | $0.39 | |
| Sep 3, 2024 | Sep 3 | Sep 13 | $0.39 |
Ownership
A 13F quarter can total more than the shares outstanding — sub-advisers file the same block twice, and a filer's own share count can be a quarter stale. No split is drawn from it.
Shares outstanding 117.48M · Float 116.98M · 99.6% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 9.40M | 8.00% | 13F | Aug 7, 2026 |
| Vanguard Capital Management LLC | 7.78M | 6.62% | 13F | Aug 13, 2026 |
| Harris Associates L P | 7.45M | 6.34% | 13F | Aug 14, 2026 |
| Vanguard Portfolio Management LLC | 5.24M | 4.46% | 13F | Aug 13, 2026 |
| State Street Corp | 5.20M | 4.43% | 13F | Aug 7, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Jul 24, 2026 | Mark W. Begor | director, officer: CEO | −37,791 | $172.16 |
| May 7, 2026 | Chad M. Borton | officer: EVP, Pres Workforce Solutions | −2,455 | $173.89 |
| May 1, 2026 | John W. Jr Gamble | officer: EVP, CFO & COO | −3,500 | $176.54 |
| Apr 24, 2026 | Mark W. Begor | director, officer: CEO | −37,791 | $172.40 |
| Feb 23, 2026 | John W. Jr Gamble | officer: EVP, CFO & COO | −4,500 | $195.72 |
Peers
- TransUnion
Direct U.S. bureau peer in credit, fraud, and analytics
- FICO
Scoring and decisioning analytics in lender workflows
- RELX (ADR)
Identity, fraud, and risk-data rival through LexisNexis
- Moody's
Commercial risk data and analytics alternative
- ADP
Payroll and employer-services overlap in workforce workflows
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Equifax | $179.34 | −7.65% | $22.83B | 34.2 | 21.2 | 3.5 | +10.6% |
| TransUnion | $84.99 | −0.81% | $16.41B | 22.6 | 16.6 | 3.4 | +14.9% |
| FICO | $1,150.14 | −0.31% | $24.91B | 33.3 | 22.8 | 10.4 | +25.7% |
| RELX (ADR) | $36.54 | 0.00% | $63.79B | 21.3 | — | 4.8 | +0.4% |
| Moody's | $519.27 | +0.84% | $89.19B | 32.7 | 28.9 | 10.9 | +15.1% |
| ADP | $286.34 | −0.36% | $114.92B | 26.3 | 23.4 | 5.2 | +6.8% |
| Median | 26.3 | 23.1 | 5.2 | +14.9% |