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Jun 30, 2025
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.
Revenue by Segment
Revenue by Geographic Location
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.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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