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Dec 31, 2025
Equifax Q4 2025 Earnings Report
Equifax reported strong fourth quarter 2025 revenue growth of 9% despite challenging U.S. hiring and mortgage markets.
Key Takeaways
Equifax delivered robust financial results in the fourth quarter of 2025, with revenue reaching $1.551 billion, a 9% increase year-over-year. This growth was primarily driven by strong performances in U.S. Mortgage revenue, Workforce Solutions Government revenue, and new product innovation, achieving a Vitality Index of 17%. The company also returned $561 million to shareholders through share repurchases and dividends.
Fourth quarter 2025 revenue increased by 9% to $1.551 billion, exceeding guidance by $30 million.
U.S. Mortgage revenue showed strong growth of 20%, contributing significantly to overall performance.
Workforce Solutions revenue grew by 9%, with Verification Services up 10% driven by strong Government and Consumer Lending growth.
The New Product Vitality Index reached a record 17%, surpassing the long-term goal of 10% across all business units.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Equifax is issuing full-year 2026 guidance with an expected revenue of $6.72 billion, representing approximately 10.5% growth, and Adjusted EPS of $8.50 per share. This guidance assumes a low single-digit decline in the U.S. mortgage market and 100% FICO Scores for mortgage credit scores.
Positive Outlook
- Expected full-year 2026 revenue growth of about 10.5% to $6.72 billion.
- Anticipated full-year 2026 Adjusted EPS of $8.50 per share, an 11% increase over 2025.
- Projected Adjusted EBITDA of $2.12 billion for full-year 2026, up about 10%.
- Continued focus on leveraging Cloud capabilities to accelerate New Product Innovation.
- Expectation of significant margin expansion as U.S. mortgage customers convert to lower-priced, higher-performing Vantage scores.
Challenges Ahead
- Assumption of a low single-digit decline in the U.S. mortgage market in 2026.
- Assumption that 100% of mortgage credit scores will be FICO Scores, which could impact competitive dynamics.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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