Equifax(NYSE) EFX

Equifax NYSE:EFX helps businesses and governments make informed decisions using data. It lets people track and manage their personal credit information. These services make it easier to verify income and backgrounds.

Data That Powers Decisions

• Workforce Solutions: Provides income and employment verifications and human resources tasks; accounts for 41% of revenue in the nine months ended Sept. 30, 2026.
• U.S. Information Solutions: Delivers credit reporting, scoring, and fraud detection services; accounts for 36% of revenue in the nine months ended Sept. 30, 2026.
• International: Offers credit information and debt collection across 20 countries; accounts for 23% of revenue in the nine months ended Sept. 30, 2026.

Mapping Recent Moves

• Signed a definitive agreement in July 2026 to buy Círculo de Crédito for $750 million.
• Authorized a $3 billion share repurchase program in April 2025 to return capital to stockholders.
• Increased the quarterly cash dividend to $0.56 per share in February 2026.
• Expanded the Verification Services business through growth in talent solutions and government verticals during 2026.

What Makes Equifax Tick?

Equifax maintains a presence in 21 countries and uses artificial intelligence to analyze consumer and business data. The company has diversified its revenue beyond traditional credit reporting by growing its workforce and international segments. These operations rely on software and databases containing information from utilities, employers, and financial institutions.

Financial Performance

• Operating revenue was $5,041.5 million for the nine months ended Sept. 30, 2026, up 11% year over year.
• Net income reached $567.1 million during the nine months ended Sept. 30, 2026, up 17% year over year.
• Operating margin reached 19.0% for the nine months ended Sept. 30, 2026, up from 17.9% in the prior year period.
• Diluted earnings per share were $4.75 for the nine months ended Sept. 30, 2026, up 22% year over year.

Bottom Line

Equifax has transitioned from a traditional credit bureau into a global data and technology provider. Its shift toward automated workforce verifications and international markets has created a more diversified business model.