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Equifax
Equifax (EFX) investor relations material
Equifax Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary4 Feb, 2026
Executive summary
Delivered 2025 revenue of $6.075B, up 7% year-over-year, with adjusted EPS of $7.65, exceeding guidance and long-term growth targets.
Fourth quarter 2025 revenue was $1.551B, up 9%, with strong performance in workforce solutions and USIS mortgage.
Achieved robust innovation with a record 15% Vitality Index and over 185 new product launches in 2025, driven by AI and cloud investments.
Returned $1.2B to shareholders in 2025 through share repurchases and dividends.
Financial highlights
2025 free cash flow reached $1.13B, up nearly 40% year-over-year, with 120% cash conversion, $170M above guidance midpoint.
2025 adjusted EBITDA margin was 31.9% (32.8% in Q4), slightly below guidance due to higher incentive compensation.
Adjusted EPS for Q4 was $2.09, above guidance midpoint.
Debt leverage improved to ~2.5x by year-end 2025.
Outlook and guidance
2026 revenue guidance midpoint is $6.72B, up 10.6% year-over-year; adjusted EPS guidance midpoint is $8.50, up 11%.
2026 adjusted EBITDA guidance: $2.12B, up nearly 10%, with ex-FICO margin expansion of 75 bps.
Free cash flow expected to exceed $1B with at least 100% conversion.
Q1 2026 revenue guidance: $1.597B–$1.627B, up 11.8% year-over-year; EPS $1.63–$1.73.
How Vantage score adoption impacts 2026 outlook
Drivers of Q4 2025 Adjusted EBITDA margin decline?
Reason for Employer Services revenue slowdown?
VantageScore adoption: What are the remaining hurdles?
How does AI strengthen Equifax's data moat?
Government vertical: Key drivers for accelerated growth?
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Next Equifax earnings date
Q1 202621 Apr, 2026
Equifax
Next Equifax earnings date
Q1 202621 Apr, 2026
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Frequently asked questions
Equifax Inc. delivers information solutions and human resources business process outsourcing services for businesses, governments, and consumers. The Company's solutions include fraud prevention and detection, credit risk assessment, personnel management, tax filing and compliance, and income verification services. It also manages its outsourcing platform that provides solutions to enterprises to automate and outsource various business processes.
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