Equifax(NYSE) EFX

Equifax helps lenders and employers verify people's income and credit history. It makes tools that protect individuals from identity theft. The company also helps businesses manage their payroll and tax paperwork.

The Data Solutions Suite

• Workforce Solutions: Verification services for income, employment, and criminal history for U.S. employers; includes human resources tasks like unemployment claims and tax management.
• U.S. Information Solutions: Credit information and scoring services for businesses in the U.S.; provides identity protection and mortgage reports to consumers and resellers.
• International: Credit and marketing services across 24 countries including Canada, the U.K., and Australia; generated 23% of total revenue in 2025.

New Products and Global Moves

• Migrated the majority of applications to the Equifax Cloud to speed up new product development.
• Integrated artificial intelligence and machine learning into analytical tools to improve how customers make credit decisions.
• Maintained support operations in Chile, Costa Rica, India, and Ireland to assist global business units.

What Makes Equifax Stand Out

The company maintains a massive database with 209 million active employment records from 4 million organizations. This unique data allows them to provide instant income verifications that competitors cannot easily match.

The Recent Numbers

• Revenue grew to $1.6 billion in Q4 2025, up 9.2% from $1.4 billion in Q4 2024.
• Free cash flow reached $340.8 million in Q4 2025, a 65.5% increase year-over-year.
• Net income was $175.7 million in Q4 2025, representing a 1% increase over the previous year.
• Operating cash flow rose to $470.8 million in Q4 2025, up 45% from Q4 2024.

Evolution of a Data Leader

Equifax has transformed from a traditional credit bureau into a global technology company powered by cloud-based analytics. Its focus on specialized data assets like employment and income records provides a diversified base for long-term operations.