Equifax Inc.

(New York Stock Exchange)

Top News rankings and signal summaries are processed using AI and may contain errors.

1
Very Bullish +85

India's retail credit AUM climbs 16% to ₹162 lakh crore in March quarter; gold loans lead growth: Equifax

AI-generated analysis

India's retail credit market demonstrated robust momentum in the January-March quarter of 2026, with total assets under management (AUM) rising 16% year-on-year to reach ₹162 lakh crore. New loan originations surged by 40% to ₹29 lakh crore, driven primarily by gold loans which saw a...

Bullish Signals

  • Retail credit AUM grew 16% to ₹162 lakh crore.
  • Loan originations surged 40% to ₹29 lakh crore.
  • Gold loan originations jumped 103% with outstanding doubling.
  • Housing finance disbursements hit record ₹3.4 lakh crore.
  • Microfinance delinquencies fell from 6.6% to 2.3%.
2
Bullish +72

Equifax Delivers Strong 11% Growth in Second Quarter 2026 Revenue; Signs Agreement to Acquire Círculo de Crédito; Doubling AI-Driven Cost Reduction Target To $150 Million ...

AI-generated analysis

Equifax (NYSE: EFX) reported strong second-quarter 2026 results with total revenue reaching $1.7 billion, representing an 11% increase on a reported basis and 10% growth in local currency terms. The company highlighted robust performance across its diversified markets, specifically noting a 17% surge in USIS...

Bullish Signals

  • Revenue grew 11% reported, 10% local currency.
  • USIS revenue up 17%, Mortgage segment +40%.
  • Equifax AI cost target doubled to $150M by 2028.
  • Returned $366M cash via repurchases and dividends.
  • Adjusted EPS rose 13% to $2.25.
  • Workforce Solutions revenue grew 7%.
  • U.S. Mortgage revenue surged 25%.
  • Acquired Mexico's fastest-growing credit bureau, Círculo de Crédito.
  • Vitality Index innovation grew 16%, beating 10% goal.
  • International revenue up 8% across Asia and Canada.

Bearish Signals

  • GAAP net income dropped 4% to $183.9 million due to a $40 million legal charge.
  • Workforce Solutions operating margins fell from 46.4% to 44.9%.
  • Ongoing risks persist from the 2017 cybersecurity incident including legal accruals.
  • Argentina's inflation caused foreign currency losses impacting reported financials.
  • $61.2 million acquisition amortization expense reduced GAAP earnings.
  • $0.6 million antitrust litigation costs incurred for Workforce Solutions.
  • Higher mortgage rates hurt U.S. Mortgage revenue segment.
3
Slightly Bullish +25

5 Must-Read Analyst Questions From Equifax’s Q1 Earnings Call

AI-generated analysis

Equifax reported a mixed bag of results for its first quarter, as revenue and adjusted earnings per share exceeded Wall Street expectations despite the stock trading lower on the day. The company generated $1.65 billion in revenue, marking a 14.3% year-over-year increase that surpassed analyst...

Bullish Signals

  • Q1 revenue reached $1.65B, up 14.3% year-over-year.
  • Adjusted EPS hit $1.86, beating estimates by 9.7%.
  • Full-year revenue guidance raised to $6.75 billion.
  • Full-year Adjusted EPS guidance increased to $8.54.
  • Operating margin expanded robustly by 29%.
  • Mortgage volumes surged in February with new AI tools.
  • TWN Indicator delivers meaningful share gains in pre-qualification.
  • Proprietary data limits disruption from government verification tools.

Bearish Signals

  • Stock price fell 13% despite beating estimates.
  • Rising rates and geopolitics dampened mortgage activity.
  • VantageScore growth delayed pending regulatory approval.
  • Government contract revenue faces budget timing risk.
  • Competitive AI tools threaten core data business.
  • Auto financing slowdown signals segment weakness.
4
Bullish +75

EFX Stock Rallies 13% in 6 Months: Here's What You Should Know

AI integration Company update New contract AI-generated analysis

Equifax (EFX) shares have rallied 13% over the past six months, outperforming both the industry average and the S&P 500. The company demonstrated resilience against a challenging mortgage market, posting a 10% year-over-year revenue increase in the third quarter of 2026. This growth was driven...

Bullish Signals

  • Shares rallied 13% over six months, outperforming benchmarks.
5
Bullish +65

Don't Overlook Equifax (EFX) International Revenue Trends While Assessing the Stock

Earnings report AI-generated analysis

Equifax (EFX) reported total revenue of $1.69 billion for the quarter ending September 2026, representing a 9.6% year-over-year increase. The company's international operations contributed significantly to this growth, with specific regional breakdowns showing mixed performance against Wall Street consensus estimates. International revenue highlights included a...

Bullish Signals

  • Asia Pacific revenue beat analyst expectations by 8.25%, generating $107.7 million versus the projected $99.49 million.
  • Latin America revenue exceeded Wall Street estimates by 4.15%, contributing $114.1 million compared to the expected $109.56 million.
  • The company's total revenue grew 9.6% year over year to reach $1.69 billion for the quarter ending September 2026.
  • Analysts project a full-year revenue of $6.68 billion, representing a 10% increase compared to the previous year.
  • Equifax shares gained 23.1% over the past month, significantly outperforming the Zacks S&P 500 composite which declined 1.2%.

Bearish Signals

  • Canada revenue missed by -0.83% at $72.2M vs $72.8M expected.
  • Europe revenue slightly below expectations at $105.5M vs $105.99M.
6
Bullish +55

Equifax Inc. stock gains as Q2 revenue rises 10.6 percent

AI-generated analysis

Equifax Inc. stock closed at USD 243.80 on the New York Stock Exchange on September 21, 2026, marking a gain of 1.6 percent from the prior session. The quarterly update for the second quarter of 2026 revealed revenue of USD 1.70 billion, which represented a...

Bullish Signals

  • Stock gained 1.6% after strong quarterly performance.
  • Revenue rose 10.6% year-over-year to USD 1.70 billion.
  • Beat EPS estimates by USD 0.05 at USD 2.25.
  • Net margin reached 10.73% with ROE of 21.61%.
7
Somewhat Bullish +45

Equifax (NYSE:EFX) EVP Sells $710,720.00 in Stock

Analyst downgrade Earnings report Insider transaction AI-generated analysis

Equifax (NYSE: EFX) EVP John Gamble, Jr. sold 4,000 shares of company stock on October 29th for a total transaction value of $710,720.00 at an average price of $177.68 per share. Executed under a pre-arranged Rule 10b5-1 trading plan, the sale reduced his direct ownership...

Bullish Signals

  • EPS beat at $2.26 vs $2.20 consensus.

Bearish Signals

  • Loop Capital lowered price target to $169, below current price.
  • Robert W. Baird cut target to $232 due to valuation.
8
Somewhat Bearish -35

Why Equifax (EFX) stock is down today

Analyst downgrade Dividend AI-generated analysis

Equifax (NYSE: EFX) shares fell approximately 2.7% following a downgrade by RBC Capital analyst Ashish Sabadra, who moved the rating from Outperform to Sector Perform and raised the price target to $189. The analyst cited improved valuation after recent gains as well as three specific...

Bullish Signals

  • EPS beat consensus at $2.26 vs $2.20.
  • Revenue rose 9.6% to $1.69 billion.
  • Dividend increased double-digits, signaling cash confidence.
  • Upgraded to Buy; past data-breach period.
  • New credit model gaining market share.

Bearish Signals

  • Downgraded to Sector Perform due to valuation concerns after rally.
9
Slightly Bullish +25

BMO cuts target for Equifax stock from USD 179.00 to USD 160.00

Analyst downgrade AI-generated analysis

Equifax Inc. reported strong second-quarter financial results for 2026, with revenue reaching USD 1.70 billion, representing a 10.60 percent year-over-year increase. Adjusted earnings per share came in at USD 2.25, beating the consensus estimate of USD 2.20 by a margin of 2.3 percent. The company's...

Bullish Signals

  • Revenue grew 10.60% YoY to USD 1.70 billion.
  • EPS beat consensus at USD 2.25 vs USD 2.20.
  • Diversified business provides market resilience.

Bearish Signals

  • Analysts lowered targets due to reassessed credit-bureau expectations.
  • U.S. mortgage weakness poses potential headwind for growth.
  • Market questions performance sustainability amid mortgage pressure.
10
Bullish +55

Equifax stock holds near USD 160 after an EPS beat

Earnings report AI-generated analysis

Equifax Inc. reported second-quarter 2026 results that exceeded market expectations, with earnings per share (EPS) reaching $2.25 against a consensus estimate of $2.20. The company's revenue for the quarter totaled $1.70 billion, representing a 10.6% year-over-year increase compared to Q2 2025. These figures were released...

Bullish Signals

  • EPS beat estimates by $0.05 at $2.25/share.
  • Revenue grew 10.6% YoY to $1.70 billion in Q2.
  • EPS rose $0.25 from prior year's $2.00.
11
Slightly Bullish +25

Equifax Inc. stock edges lower as housing warning puts earnings outlook in focus

AI-generated analysis

Equifax Inc. reported solid top-line growth in the second quarter of 2026, with revenue reaching approximately USD 1.7 billion, an increase of about 11% year over year. This double-digit expansion highlights continued demand for Equifax's data and analytics services despite a challenging macroeconomic environment. The...

Bullish Signals

  • Q2 2026 revenue rose 11% to USD 1.7 billion.
  • Workforce Solutions segment grew 7% to USD 705.4 million.
  • International revenues expanded 8% with Asia-Pacific up 17%.
  • Analysts project Q3 earnings growth of 8.3% year over year.
  • Full-year 2026-2027 earnings expected to rise 11.8%-17.7%.

Bearish Signals

  • Housing activity fell 50% as 7% mortgage rates curb loan demand.
  • Slow mortgage originations hurt US verification business revenue.
  • High rates may increase borrower delinquencies and limit credit access.
12
Slightly Bullish +15

Equifax (NYSE:EFX) EVP John Gamble, Jr. Sells 4,500 Shares

AI-generated analysis

Equifax (NYSE:EFX) EVP John Gamble, Jr. sold 4,500 shares of the company's stock on Thursday, September 3rd, for a total value of $845,820. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan, resulting in a 6.12% decrease in his direct ownership position to...

Bullish Signals

  • EPS beat consensus by $0.05 at $2.25.
  • Revenue grew 10.6% YoY to $1.70B.
  • ROE reached 21.61% with 10.73% net margin.
  • Institutional ownership stands at 96.20%.

Bearish Signals

  • JPMorgan Chase reduced its price target from $230.00 to $210.00 following recent earnings.
  • Morgan Stanley lowered its price objective from $243.00 to $225.00 while maintaining an overweight rating.
  • Citigroup cut its target price from $238.00 to $220.00 despite assigning a buy rating to the stock.
  • Needham & Company LLC reduced its price objective from $265.00 to $245.00 in a recent research report.
13
Slightly Bullish +25

Equifax Inc (EFX) Stock Down 6.4% -- Now Undervalued? GF Score: 75/100 - GuruFocus

AI-generated analysis

Equifax Inc (EFX) shares declined 6.4% on September 04, 2026, settling at $177.05 within a 52-week range of $150.75 to $271.84. The stock is currently trading at a significant discount to its GuruFocus (GF) Value estimate of $291.96, representing a 39.4% margin of safety that...

Bullish Signals

  • Undervalued at $177.05 vs $291.96 intrinsic value (39.4% safety).
  • GF Score of 75/100 with strong profitability and growth.

Bearish Signals

  • Insiders sold $37.1M over 12 months.
  • Momentum and valuation GF Scores are 4/10.
14
Slightly Bearish -20

The Latest: Equifax signed contract with IRS in September

AI-generated analysis

Equifax has secured a $7.25 million no-bid contract with the Internal Revenue Service to provide taxpayer and personal identity verification services, a move made while the company is still recovering from a massive data breach affecting an estimated 145 million Americans. The federal government deemed...

Bullish Signals

  • Secured $7.25M IRS contract for identity verification services.
  • Hired extra staff and offered free credit monitoring.

Bearish Signals

  • Facing congressional scrutiny over inadequate breach response.
  • Reputation damaged after 145 million records compromised.
  • Former CEO admits mistakes in breach handling.
15
Bullish +65

Subscription push: how Equifax OneScore is being positioned as a flagship risk product - AD HOC NEWS

AI-generated analysis

Equifax is strategically repositioning its OneScore credit risk analytics product as a flagship offering for banks, fintechs, and insurers. Rather than selling it as a standalone tool, the company bundles OneScore into broader data and decisioning subscriptions. This approach aims to transition Equifax from a...

Bullish Signals

  • Transitioning to higher-margin recurring revenue via embedded analytics subscriptions.
  • OneScore improves predictive power for thin-file customers ignored by legacy models.
  • High switching costs created as score embeds in client underwriting workflows.
  • Cloud and AI enable real-time score delivery meeting modern lender demands.
  • Score acts as gateway to cross-sell fraud detection in multi-year contracts.

Bearish Signals

  • Limited adoption excludes smaller lenders with less robust governance.
  • Lenders bear full compliance responsibility and must validate model performance.
  • Pricing is opaque, relying on per-transaction licensing norms.
  • Faces competition from in-house models and rival data firms.
16
Bullish +68

Mortgage demand climbs as arrears ease in Q1: Equifax

AI-generated analysis

Equifax's Q1 2026 Consumer Market Pulse report indicates that Australia's mortgage market experienced solid growth in demand with a notable easing in arrears, suggesting borrowers are adapting to higher interest rates and elevated living costs. Secured consumer credit applications rose 4.9% year-on-year, driven primarily by...

Bullish Signals

  • Consumer credit applications rose 4.9% YoY with mortgage enquiries up 7.5%.
  • Home loan average limits increased 6.7% vs Q1 2025.
  • Australia's credit market remains resilient amidst global uncertainty and rising fuel prices.
  • Major banks delivered $15.2 billion profit exceeding regulatory minimums.
  • Mortgage arrears over 90 days declined in share and total limits.
  • Credit card delinquency dropped to 0.31% with balances down nearly 3%.
  • Younger demographics show improved financial adjustments among 18–25-year-olds on credit cards.
  • RBA rate hike pause expected through August stabilizes lending environment.
  • WA stamp duty overhaul boosts first-home buyer property market activity.

Bearish Signals

  • Bank profits fell 2.1% as ECL provisions rose 3.6%.
  • New home buyers dropped 3.5%, risking long-term price growth.
  • Personal loan arrears surged 3.1% on large unsecured balances.
  • Credit demand relies on low unemployment amid global risks.
17
Bullish +65

Equifax Continues Leadership in Explainable AI, Benefiting Lenders and ...

AI integration New features AI-generated analysis

Equifax is reinforcing its leadership in Explainable AI (EFX.AI) within highly regulated financial environments, emphasizing the critical need for transparent decision-making to safeguard consumer interests. The company leverages proprietary data and advanced machine learning algorithms to provide lenders with logical, actionable reason codes that build...

Bullish Signals

  • Securing ~$3B investment for AI infrastructure scaling.
  • 80%+ of new products leverage EFX.AI stack.
  • Holds 470+ patents reinforcing AI leadership.
  • OneScore models integrate alternative data effectively.
18
Somewhat Bullish +35

Equifax (EFX) Stock Fair Value Edges Higher After Mixed Analyst Commentary

AI integration Acquisition Analyst upgrade AI-generated analysis

Equifax (EFX) stock fair value estimates have been updated to US$200.35 per share, rising from US$195.10, reflecting a mix of analyst confidence in recent execution and caution regarding specific sector risks. This adjustment aligns with price targets clustering in the high teens to low US$200s,...

Bullish Signals

  • Major analysts highlight solid Q3 execution with resilient revenue and margin performance.

Bearish Signals

  • Mortgage exposure risks cited by Oppenheimer and RBC.
  • Regulatory shift to bi-merge threatens earnings potential.
  • Higher rates and lending pressure weigh on credit bureaus.
  • FHFA headlines reduce risk-reward trade-off for stock.
  • Ongoing litigation costs impact financial performance.
19
Slightly Bullish +15

Equifax (NYSE:EFX) Stock: Insider Mark Begor Sells 37,792 Shares

Dividend Earnings report Insider transaction AI-generated analysis

Equifax CEO Mark Begor sold 37,792 shares of company stock on October 23rd for a total value of $6.9 million under a pre-arranged Rule 10b5-1 trading plan. Following the transaction, the CEO retains direct ownership of approximately 289,922 shares, representing an 11.53% decrease in his...

Bullish Signals

  • EPS beat at $2.26 vs $2.20 estimate.

Bearish Signals

  • Barclays cut price target to $155 and downgraded to equal weight.
  • Citigroup lowered price objective to $220 while maintaining buy rating.
20
Somewhat Bullish +45

Equifax’s (NYSE:EFX) Q3 2026 Earnings Results: Revenue In Line With Expectations But Quarterly Revenue Guidance Misses Expectations

Earnings report Guidance lowered AI-generated analysis

Equifax reported Q3 2026 results where revenue of $1.69 billion matched Wall Street expectations, representing a 9.6% year-over-year increase. However, the company missed analyst estimates for its Q4 2026 revenue guidance, projecting $1.62 billion compared to the expected $1.68 billion. Despite the guidance miss, Equifax's...

Bullish Signals

  • Q3 non-GAAP profit per share beat estimates by 2.8%.
  • Operating margin reached 21%, up from 17.1% prior year.
  • Revenue growth accelerated to 8.6% annualized over two years.
  • Full-year adjusted EPS guidance maintained at $8.50.
  • Stock rallied 2.2% to $162.06 after earnings release.

Bearish Signals

  • Q4 2026 revenue guidance missed at $1.62B vs $1.68B estimate.
  • Five-year adjusted operating margin declined 3 percentage points.