Equifax (EFX) Q3 2026 Earnings
How Did EFX Stock React to Q3 2026 Earnings?
Did EFX Beat Earnings? Q3 2026 Results
Yes. Equifax reported Q3 2026 earnings of $2.26 a share on Oct 20, 2026, beating the $2.20 consensus estimate by 2.8%. Revenue was $1.7B against a $1.7B estimate.
Equifax delivered a clean beat across the board in Q3 2026, extending its run of consensus EPS beats to four consecutive quarters as adjusted diluted EPS of $2.26 topped the $2.20 analyst estimate by 2.76%, while revenue of $1.69 billion edged past forecasts and grew 9.6% year over year. The standout driver was the company's U.S. Information Solutions segment, where USIS revenue climbed 13% to $599.10 million, with mortgage revenue surging 28% despite a softening market in the latter half of the quarter, reflecting meaningful share gains. Workforce Solutions added $693.90 million as Verification Services grew 9%, fueled by a 20%-plus surge in Talent Solutions. AI-driven cost efficiencies helped expand adjusted EBITDA margin to 33.1% from 32.7% a year ago, a dynamic management expects to continue as it trims full-year revenue guidance modestly to a $6.66 billion midpoint while holding adjusted EPS guidance near $8.50, with Q4 revenue seen at $1.60 billion to $1.64 billion.
- Diversified Markets revenue growth of 8% broad-based across all business units
- U.S. Mortgage revenue up 15% despite weaker mortgage market
- Talent Solutions revenue growth over 20%
- Consumer Lending revenue up high double digits
- USIS Mortgage revenue up 28% reflecting market share gains
- AI-driven operating cost efficiencies recovering gross margin impact from lower mortgage revenue
- New product Vitality Index above 17%
“Equifax delivered a strong third quarter performance executing on our EFX2028 Strategic Priorities with reported revenue of $1.693 billion, up 10% on a reported basis, with 9% local currency revenue growth. Diversified Markets revenue growth of 8% was broad based across all business units driven by a record over 17% new product Vitality Index, above our 10% long-term goal. U.S. Mortgage revenue grew 15%, despite the much weaker mortgage market we saw in the latter half of the third quarter as mortgage interest rates increased substantially.”
Equifax CEO, on the earnings call
What Is Equifax's Outlook?
Equifax is reducing full year 2026 revenue guidance midpoint to $6.661 billion (range $6.646B–$6.676B), reflecting the much weaker U.S. mortgage market expected through the remainder of 2026, with full-year reported revenue growth of 9.4%–9.9%. Diversified Markets revenue guidance is maintained at high single-digit growth. Full year 2026 Adjusted EPS guidance is $8.45–$8.55 per share ($8.50 midpoint), reduced by only $0.04 at the midpoint. Q4 2026 guidance: revenue of $1.605B–$1.635B (3.5%–5.4% reported growth) and adjusted EPS of $2.07–$2.17. The Círculo de Crédito acquisition is expected to close in Q4 2026. Management expects AI-driven operating cost efficiencies to principally recover gross margin impact from lower mortgage revenue.
EFX YoY Financials
| Metric | Q3 2026 | Q3 2025 | Year over year |
|---|---|---|---|
| Revenue | $1.7B | $1.5B | +9.5% |
| Operating Income | $355.3M | $264.3M | +34.4% |
| Net Income | $211.7M | $160.2M | +32.2% |
EFX Revenue by Segment
EFX Revenue by Geography
When Does Equifax Report Next?
Figures from SEC filings and company reports. Not investment advice.