Companies /Industrials

Equifax Inc

NYSE: EFX Consulting Services
$171.53
▼ $5.52 (−3.12%) today
Markets open · 12:15pm ET

Q2 2026 Earnings

Reported Jul 21, 2026, 6:32am ET · SEC source
$2.25
Miss +0.00%
EPS · est. $0.00
$1.7B
Miss +0.00%
Revenue · est. $0
+9.3%
Beating market
EFX vs S&P since report
4 quarters
Consecutive EPS beats

Market Reaction

% change · around the report
−9%−6%−3%0Jul 21Jul 22report 6:32am ETearnings+0.5%−0.7%
−9%−6%−3%0Jul 21Jul 22earnings+0.5%−0.7%
EFX −0.7%S&P 500 +0.5%
−9%−6%−3%0Jul 21Jul 22report 6:32am ETearnings+0.4%−0.7%
−9%−6%−3%0Jul 21Jul 22earnings+0.4%−0.7%
EFX −0.7%NASDAQ +0.4%
−6%0+6%+12%Jul 20Jul 28report 6:32am ETearnings−0.7%+11.6%
−6%0+6%+12%Jul 20Jul 28earnings−0.7%+11.6%
EFX +11.6%S&P 500 −0.7%
−6%0+6%+12%Jul 20Jul 28report 6:32am ETearnings−4.1%+11.6%
−6%0+6%+12%Jul 20Jul 28earnings−4.1%+11.6%
EFX +11.6%NASDAQ −4.1%
−3.93%
Day of report
−1.47%
Next session
+8.10%
One week
+11.22%
30 days

S&P 500 over the same 30 days: +1.91%.

Did EFX Beat Earnings? Q2 2026 Results

Equifax delivered a solid second quarter of 2026, posting adjusted diluted EPS of $2.25 and revenue of $1.70 billion, up 11% year-over-year, extending the company's streak of beating consensus EPS estimates to four consecutive quarters. The standout driver was a resurgent U.S. mortgage market, with USIS revenue climbing 17% to $611.60 million on the back of 40% Mortgage revenue growth, while Workforce Solutions contributed $705.40 million, up 7%, anchored by strong demand in Talent Solutions and Consumer Lending. A $40.00 million net pre-tax charge tied to a legal settlement weighed on GAAP net income, which slipped 4% to $183.90 million, but adjusted net income rose 8% to $268.60 million, underscoring the underlying momentum. Investors are closely watching the company's announced $750.00 million acquisition of Mexican credit bureau Círculo de Crédito, expected to close in Q4 2026, as a test of its international growth ambitions. Looking ahead, Equifax guided full-year 2026 revenue of $6.71 billion to $6.78 billion with adjusted EPS of $8.39 to $8.69.

Key Takeaways
  • U.S. Mortgage revenue up 25% driven by favorable mortgage market conditions
  • USIS Mortgage revenue up 40%
  • High double digit revenue growth in Talent Solutions and Consumer Lending
  • New product Vitality Index of 16% above 10% long-term target
  • USIS Diversified Markets revenue growth accelerated sequentially over 300 basis points to 6%
  • Workforce Solutions Government team signed ~$300 million in annual contract value in first half 2026

“Equifax delivered a strong second quarter performance executing on our EFX2028 Strategic Priorities with reported revenue of $1.700 billion, up 11% on a reported basis, with 10% local currency revenue growth enabled by a 16% new product Vitality Index, above our 10% long-term goal, with double digit Vitality across all business units.”

Equifax CEO, on the earnings call

Forward Guidance & Outlook

For Q3 2026, Equifax guided reported revenue of $1.680 billion to $1.710 billion, representing reported revenue growth of 8.7% to 10.7% and local currency growth of 8.4% to 10.4%. Q3 adjusted EPS is expected to be $2.15 to $2.25 per share. For full year 2026, the company guided reported revenue of $6.710 billion to $6.780 billion, representing reported revenue growth of 10.5% to 11.6% and local currency growth of 9.8% to 10.9%. Full year adjusted EPS is expected to be $8.39 to $8.69 per share. The company is doubling its 2026-2028 AI-driven cost reduction target to $150 million. Equifax also expects the Círculo de Crédito acquisition to close in Q4 2026.

EFX YoY Financials

Revenue$1.7B
Operating Income$314.2M
Net Income$183.9M

EFX Revenue by Segment

Workforce Solutions$705.4M+7.0%
U.S. Information Solutions$611.6M+17.0%
Verification Services$607.6M+7.0%
Online Information Solutions$545.4M+19.0%
Employer Services$97.8M+3.0%
Financial Marketing Services$66.2M+4.0%

EFX Revenue by Geography

Latin America$109.0M+9.0%
Europe$101.1M+2.0%
Asia Pacific$99.7M+17.0%
Canada$73.3M+6.0%

Figures from SEC filings and company reports. Not investment advice.