ATLANTA, Oct. 20, 2026 /PRNewswire/ — Equifax® (NYSE: EFX) today announced financial results for the quarter ended September 30, 2026.
- Third quarter reported revenue of $1.693 billion, up a strong 10% with 9% local currency revenue growth.
- Diversified Markets revenue up 8% on a reported and 7.5% on a local currency basis, with strong, broad-based performances across all business units.
- Third quarter U.S. Mortgage revenue up 15% despite weaker market.
- Workforce Solutions third quarter revenue up 7%. Diversified Markets revenue up 9% led by Verification Services Diversified Markets revenue up 13% with Talent Solutions revenue growth over 20%, Consumer Lending up high double digits, and Government up mid-single digits. Workforce Solutions Mortgage revenue flat in the third quarter from the weaker mortgage market.
- USIS third quarter revenue up strong 13% with Diversified Markets revenue growth up 6% led by Financial Institutions and Auto. USIS Mortgage revenue up a strong 28% despite the weaker mortgage market.
- International third quarter revenue up 9% on a reported basis. Local currency revenue growth up 7% with low double-digit revenue growth in Australia and high single-digit growth in Latin America. Expect Círculo de Crédito acquisition to close in the fourth quarter.
- New Product Innovation leveraging the EFX Cloud, EFX.AI, and proprietary data delivered record over 17% new product Vitality Index.
- Returned $158 million in cash to shareholders through share repurchases and quarterly dividend.
Mark W. Begor,
Equifax Chief Executive Officer
“Equifax delivered a strong third quarter performance executing on our EFX2028 Strategic Priorities with reported revenue of $1.693 billion, up 10% on a reported basis, with 9% local currency revenue growth. Diversified Markets revenue growth of 8% was broad based across all business units driven by a record over 17% new product Vitality Index, above our 10% long-term goal. U.S. Mortgage revenue grew 15%, despite the much weaker mortgage market we saw in the latter half of the third quarter as mortgage interest rates increased substantially.
Workforce Solutions delivered 7% revenue growth, with Diversified Markets growth of 9% led by strong over 20% growth in Talent Solutions, strong high double-digit growth in Consumer Lending and accelerating sequential mid single-digit growth in Government. Workforce Solutions Mortgage revenue was about flat from the weak mortgage market. USIS delivered strong revenue growth of 13%, with Diversified Markets revenue growth of 6%, led by Financial Institutions and Auto. USIS Mortgage revenue was up 28% despite the weaker mortgage market. International delivered 7% local currency revenue growth with low double-digit revenue growth in Australia and high single-digit growth in Latin America.
We continue to deploy EFX.AI to deliver new, higher-performing products and solutions to our customers and expand AI deployment inside EFX to deliver against our $150 million AI productivity goal. With our strong free cash flow, Equifax returned $158 million of cash to shareholders in the quarter, including repurchasing 0.5 million shares for $92 million and paying $66 million in quarterly dividends. We continue to use our free cash flow to return cash to shareholders and for bolt-on M&A like our Círculo de Crédito acquisition that we expect to close in the fourth quarter,” said Mark W. Begor, Equifax Chief Executive Officer.
“As we look to the remainder of 2026, we are maintaining our Diversified Markets revenue guidance for revenue growth of high single-digit percent. However, we expect the much weaker U.S. mortgage market that we saw in the latter half of the third quarter to continue through the remainder of 2026. As a result, we are reducing our full year 2026 revenue guidance at the midpoint to $6.661 billion, reflecting this reduction in our U.S. Mortgage related revenue.
Despite the impact of the significantly weakened U.S. mortgage market on the second half of 2026 revenue, we expect to deliver 2026 Adjusted EPS Guidance of $8.50 per share, a reduction of only $0.04 per share at the midpoint and well within our previous Guidance range. As we did in the second quarter, the Equifax team is doing an outstanding job of managing cost and expenses including continuing to drive strong AI-driven operating cost efficiencies and optimizations, which should allow us to principally recover the gross margin impact from lower Mortgage revenue and deliver very strong operating margin performance.
We are confident in the future of the New Equifax. Equifax is fundamentally a different company on how we go to market from Technology to Data & Analytics, EFX.AI capabilities, product focus, and AI-driven Operations all leveraging our differentiated data assets, industry-leading Cloud technology, patented EFX.AI products, D&A capabilities, and market-leading innovation. Our scale proprietary data is the foundation of our AI data moat and a big competitive advantage, and we are expanding our capabilities to leverage our unique, non-public data assets with EFX.AI and agentic AI to rapidly deliver higher-performing scores, models, and multi-market products to help our customers grow.
Our strong third quarter results reflect the resiliency of the broad-based Equifax business model in a challenging mortgage market. We are energized about the New Equifax and we expect to deliver higher growth, margins, and accelerating free cash flow, and returning cash to shareholders in the future.”
Financial Results Summary
The Company reported revenue of $1,692.5 million in the third quarter of 2026, up 10% and 9% on a reported and local currency basis, respectively, compared to the third quarter of 2025.
Net income attributable to Equifax of $211.7 million was up 32% in the third quarter of 2026 compared to $160.2 million in the third quarter of 2025.
Diluted EPS attributable to Equifax was $1.79 per share in the third quarter of 2026, up 39% compared to $1.29 per share in the third quarter of 2025.
Workforce Solutions Third Quarter Results
- Total revenue was $693.9 million in the third quarter of 2026, up 7% compared to the third quarter of 2025. Operating margin for Workforce Solutions was 44.1% in the third quarter of 2026 compared to 43.8% in the third quarter of 2025. Adjusted EBITDA margin for Workforce Solutions was 51.4% in the third quarter of 2026 compared to 51.2% in the third quarter of 2025.
- Verification Services revenue was $603.2 million, up 9% compared to the third quarter of 2025.
- Employer Services revenue was $90.7 million, down 5% compared to the third quarter of 2025.
USIS Third Quarter Results
- Total revenue was $599.1 million in the third quarter of 2026, up 13% compared to the third quarter of 2025. Operating margin for USIS was 24.3% in the third quarter of 2026 compared to 23.2% in the third quarter of 2025. Adjusted EBITDA margin for USIS was 35.4% in the third quarter of 2026 compared to 35.2% in the third quarter of 2025.
- Online Information Solutions revenue was $529.7 million, up 13% compared to the third quarter of 2025.
- Financial Marketing Services revenue was $69.4 million, up 11% compared to the third quarter of 2025.
International Third Quarter Results
- Total revenue was $399.5 million in the third quarter of 2026, up 9% and up 7% compared to the third quarter of 2025 on a reported and local currency basis, respectively. Operating margin for International was 15.8% in the third quarter of 2026, flat compared to the third quarter of 2025. Adjusted EBITDA margin for International was 30.9% in the third quarter of 2026 compared to 31.3% in the third quarter of 2025.
- Latin America revenue was $114.1 million, up 12% compared to the third quarter of 2025 on a reported basis and up 8% on a local currency basis.
- Europe revenue was $105.5 million, up 3% compared to the third quarter of 2025 on a reported basis and up 4% on a local currency basis.
- Asia Pacific revenue was $107.7 million, up 20% compared to the third quarter of 2025 on a reported basis and up 12% on a local currency basis.
- Canada revenue was $72.2 million, up 2% compared to the third quarter of 2025 on a reported basis and up 4% on a local currency basis.
Adjusted EPS and Adjusted EBITDA Margin
- Adjusted EPS attributable to Equifax was $2.26 in the third quarter of 2026, up 11% compared to the third quarter of 2025.
- Adjusted EBITDA margin was 33.1% in the third quarter of 2026, up compared to 32.7% in the third quarter of 2025.
- These financial measures exclude certain items as described further in the Non-GAAP Financial Measures section below.
(1) Refer to page 9 for definitions. Additionally, the definitions can be found in the Non-GAAP Financial Measures here.
About Equifax
At Equifax (NYSE: EFX), we believe knowledge drives progress. As a global data, analytics, and technology company, we play an essential role in the global economy by helping financial institutions, companies, employers, and government agencies make critical decisions with greater confidence. Our unique blend of differentiated data, analytics, and cloud technology drives insights to power decisions to move people forward. Headquartered in Atlanta and supported by nearly 15,000 employees worldwide, Equifax operates or has investments in 24 countries in North America, Central and South America, Europe, and the Asia Pacific region. For more information, visit www.equifax.com.
Source: Equifax Earnings Release
