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Jun 30
Equifax Q2 2025 Earnings Report
Equifax delivered above-guidance Q2 2025 results with strong mortgage and product innovation growth despite macro headwinds.
Key Takeaways
Equifax posted solid Q2 2025 results with revenue above guidance, strong U.S. mortgage and workforce solutions growth, and higher adjusted EPS, despite hiring and mortgage market headwinds.
Revenue reached $1.537 billion, $27 million above guidance midpoint.
Net income grew to $191.3 million, up 17% year-over-year.
U.S. mortgage revenue surged 14% despite market decline.
Returned $190 million to shareholders, including $127 million in buybacks.
Equifax
Equifax
Equifax Revenue by Segment
Equifax Revenue by Geographic Location
Revenue by Segment
Workforce Solutions Revenue
CapyFin.comVerification Services Revenue
CapyFin.comEmployer Services Revenue
CapyFin.comUS Information Solutions Revenue
CapyFin.comOnline Info Solutions Revenue
CapyFin.comFinancial Marketing Revenue
CapyFin.comInternational Revenue
CapyFin.comRevenue by Geographic Location
Latin America Revenue
CapyFin.comEurope Revenue
CapyFin.comAsia Pacific Revenue
CapyFin.comCanada Revenue
CapyFin.com Forward Guidance
Equifax maintained its full-year constant dollar guidance while raising revenue and EPS expectations due to FX tailwinds.
Positive Outlook
- Maintained 6% local currency revenue growth target.
- Raised full-year reported revenue by $35 million.
- Increased adjusted EPS by $0.03 due to FX benefits.
- Expected over $900 million free cash flow for 2025.
- Strong cash conversion ratio above 95%.
Challenges Ahead
- Uncertainty in economy and interest rates could pressure growth.
- U.S. mortgage market remains weak with over 11% expected decline in inquiries for 2025.
- Hiring market headwinds continue.
- Argentina hyperinflation impact persists.
- Cloud transformation restructuring charges ongoing.