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Equifax Reports Impressive Financial Results for Q4 2025

Equifax, a global data analytics and technology company, has recently published its financial results for the fourth quarter and the full year ending December 31, 2025. Remarkably, the company achieved a revenue increase of 9%, bringing in $1.551 billion for the quarter, which was $30 million above the midpoint of their guidance despite facing obstacles in the U.S. hiring and mortgage markets.

Revenue Breakdown

The revenue from U.S. mortgage operations surged by an astonishing 20%, showing a strong performance even when the broader mortgage market faced declines. The Workforce Solutions segment also performed well, with a 9% increase in revenue, driven mainly by a 10% rise in Verification Services and 11% growth in Diversified Markets. U.S. Information Solutions (USIS) saw revenues rise by 12%, bolstered by significant growth in mortgage revenue (33%) and diversified markets (5%).

In terms of international performance, Equifax reported a 7% increase in revenue in reported figures, with Latin America leading the charge by delivering 5% growth on a local currency basis.

Shareholder Returns and Future Outlook

During the fourth quarter, Equifax demonstrated a commitment to returning value to its shareholders by repurchasing 2.3 million shares for $500 million, resulting in a total cash return of $561 million. The company reported free cash flow of $1.13 billion, marking a nearly 40% improvement from the previous year, reinforcing their strong operating performance.

Looking ahead, Equifax set a revenue guidance midpoint for 2026 at $6.72 billion, predicting a 10.5% increase, along with anticipations of a moderately declining mortgage market as they adapt to shifts in credit score evaluations, trending towards FICO Scores. Notably, the firm reported a Vitality Index of 17%, reflecting their successful product innovation and resilience despite market pressures.

CEO Statement

Mark W. Begor, the CEO of Equifax, expressed positivity about the company's performance in a challenging environment, underscoring the strong results from the fourth quarter as indicative of their momentum entering 2026. He highlighted that despite facing market headwinds, the company has realigned strategically to enhance product innovation through leveraging new cloud capabilities.

The firm aims to capitalize on strengthened metrics in cash flow generation and return to shareholders, heralding a focus on growth and innovation initiatives that promise to drive future results.

Equifax's fourth-quarter performance has set a promising stage for sustained growth and resilience, showcasing their adaptability in a fluctuating economic landscape. With foundational measures in place, the firm is well-positioned to face future challenges and deliver continued success.