Equifax(NYSE) EFX

Equifax Inc. helps businesses check a person's income and work history. It provides credit reports that lenders use to approve loans. The company also helps people protect their personal data from identity theft.

Data Services and Human Resources

• Workforce Solutions: Income and employment verification services for lenders and human resources tasks for employers; accounted for 41% of revenue in the three-month period ended June 30, 2026.
• U.S. Information Solutions: Credit reporting, identity management, and fraud detection services for businesses and consumers in the U.S.; made up 36% of revenue in the three-month period ended June 30, 2026.
• International: Credit and financial data services across regions like Latin America, Europe, and Asia Pacific; contributed 23% of revenue in the three-month period ended June 30, 2026.
• Employer Services: Human resources outsourcing for tasks such as unemployment claims and tax credit management.

Strategic Growth and Expansion

• Signed a definitive agreement in July 2026 to acquire Círculo de Crédito for an enterprise value of $750 million.
• Increased the quarterly cash dividend to $0.56 per share in February 2026.
• Authorized a $3 billion share repurchase program on April 21, 2025, to return capital to shareholders.
• Expanded the revolving credit facility to $2 billion in the second quarter of 2026 to support general corporate purposes.

What Makes the Company Different

Equifax maintains a global presence with operations in 21 countries and strategic investments in markets like Brazil and Malaysia. The company uses artificial intelligence to analyze diverse data, such as utility payments and criminal justice records, to help clients automate complex decisions.

A Look at the Numbers

• Operating revenue was $3.35 billion in the six-month period ended June 30, 2026, up 12% year over year.
• Net income was $355.4 million for the six months ended June 30, 2026, up 10% year over year.
• Diluted earnings per share reached $2.96 in the six-month period ended June 30, 2026, up 14% year over year.
• Cash provided by operating activities was $581.7 million in the six-month period ended June 30, 2026.

Bottom Line

Equifax has transitioned from a traditional credit bureau into a diversified data and technology provider. Its expansion into human resources services and international markets helps balance the volatility of the U.S. mortgage market.