Every material Form 8-K Equifax has filed with the SEC since April 17, 2024, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
Equifax reported third-quarter 2026 revenue of $1.69 billion, up 10%, with net income attributable to Equifax up 32% to $211.7 million. The company lowered its full-year 2026 reported revenue guidance at the midpoint to $6.661 billion, citing a weaker U.S. mortgage market, while its Adjusted EPS guidance of $8.50 per share at the midpoint was cut by only $0.04.
Q3 2026 revenue was $1,692.5 million, up 10% reported and 9% in local currency versus Q3 2025.
Diluted EPS was $1.79 versus $1.29 a year earlier; Adjusted EPS was $2.26, up 11%.
Full-year 2026 reported revenue guidance midpoint was reduced to $6.661 billion because of a much weaker U.S. mortgage market.
Returned $158 million to shareholders in the quarter, including repurchases of 0.5 million shares for $92 million and $66 million in dividends.
Equifax reported second-quarter 2026 revenue of $1.700 billion, up 11%, and diluted EPS of $1.54, up 1%. Net income attributable to Equifax fell 4% to $183.9 million, and the company's adjusted EPS of $2.25 rose 13%, excluding a $40.0 million legal settlement accrual. The company also agreed to acquire Círculo de Crédito for a $750 million enterprise value, with closing expected in the fourth quarter of 2026.
Revenue $1.700 billion, up 11% (10% in local currency); USIS revenue rose 17% and Workforce Solutions rose 7%.
Net income attributable to Equifax $183.9 million, down from $191.3 million; adjusted EPS $2.25, up 13% from $2.00.
Full-year 2026 adjusted EPS guidance of $8.39 to $8.69 and reported revenue of $6.710 billion to $6.780 billion; Q3 adjusted EPS guidance of $2.15 to $2.25.
Returned $366 million to shareholders in the quarter, including $300 million of share repurchases; $750 million Círculo de Crédito deal expected to close in Q4 2026.
Equifax entered into a Fourth Amendment to its credit agreement on April 23, 2026, increasing its unsecured revolving credit facility from $1.5 billion to $2 billion. The amendment also extends the termination date for $1.9 billion of commitments to August 25, 2029, giving the company more borrowing capacity and a longer maturity profile for most of that facility.
Revolving credit commitments increased from $1.5 billion to $2 billion
Swingline loan availability increased from $150 million to $200 million
$1.9 billion of commitments extended from August 25, 2028 to August 25, 2029; remaining $100 million still due August 25, 2028
The 10 basis point credit spread adjustment on Term SOFR borrowings was removed
Equifax reported first-quarter 2026 revenue of $1.649 billion, up 14%, and diluted EPS of $1.42, up 34%. The company kept its full-year local currency revenue growth guidance, citing uncertainty from higher interest rates and U.S. mortgage activity, while raising reported revenue and adjusted EPS guidance for foreign exchange.
Revenue of $1.649 billion, up 14%, and $37 million above the midpoint of the February guidance framework
Net income attributable to Equifax of $171.5 million, up 29%; diluted EPS of $1.42, up 34%
Adjusted EPS of $1.86, up 22%; adjusted EBITDA margin of 29.0% versus 29.3% a year earlier
Full-year guidance maintained for local currency growth; reported revenue raised by $25 million and adjusted EPS by $0.04 for foreign exchange
Equifax reported fourth quarter 2025 revenue of $1.55 billion, up 9%, and diluted EPS of $1.44 versus $1.39 a year earlier. It also issued full-year 2026 guidance with revenue of about $6.72 billion (midpoint, up about 10.5%) and Adjusted EPS of $8.50 per share, and said it returned $561 million to shareholders in the quarter. Adjusted EPS for the quarter fell 1%, so shareholders get mixed signals from the period even as headline revenue and GAAP earnings grew.
Q4 2025 revenue $1.551 billion, up 9%, and $30 million above the midpoint of October guidance
Q4 diluted EPS $1.44 vs. $1.39; Q4 adjusted EPS $2.09, down 1% from $2.12
FY 2026 guidance midpoints: revenue $6.72 billion and Adjusted EPS $8.50 per share (up 11%)
Repurchased 2.3 million shares for $500 million in Q4 under a $3 billion repurchase program
Equifax reported third-quarter 2025 revenue of $1.545 billion, up 7% from a year earlier, and raised its full-year 2025 guidance, including adjusted EPS by $0.12 per share to a range of $7.55 to $7.65. Diluted EPS rose 14% to $1.29, and the company returned about $360 million to shareholders in the quarter, including $300 million of share repurchases.
Q3 2025 revenue was $1,544.9 million, up 7%, and $25 million above the midpoint of July guidance.
Diluted EPS was $1.29, up 14%; adjusted EPS was $2.04, up 10%.
Full-year 2025 adjusted EPS guidance raised by $0.12 to $7.55-$7.65; reported revenue guidance midpoint raised by $40 million.
Free cash flow guidance raised to $950 million-$975 million, from $900 million-plus previously.
Equifax reported second-quarter 2025 revenue of $1.537 billion, up 7% on a reported basis and $27 million above the midpoint of its guidance. Net income attributable to Equifax rose 17% to $191.3 million, and diluted EPS was $1.53 versus $1.31 a year earlier. The company raised its full-year reported revenue guidance by $35 million and adjusted EPS guidance by $0.03 per share for foreign exchange, while maintaining its constant-currency outlook.
Q2 2025 revenue $1.537 billion, up 7% reported and 8% in local currency; $27 million above guidance midpoint
Diluted EPS $1.53 vs. $1.31 a year earlier; adjusted EPS $2.00, up 10%
Full-year 2025 reported revenue guidance raised by $35 million; adjusted EPS guidance raised by $0.03 per share, both for foreign exchange
About $190 million returned to shareholders in Q2, including $127 million of share repurchases under a new $3 billion program
Equifax said Todd Horvath, head of its U.S. Information Solutions unit, will leave the company effective June 1, 2025, and that CEO Mark Begor will lead USIS until a successor is found. The filing also discloses a separation package including a $2.9 million lump-sum severance payment and about $3.2 million in cash for unvested new-hire equity, which is a cost to the company.
Todd Horvath departs as EVP and President, U.S. Information Solutions, effective June 1, 2025
CEO Mark Begor will lead USIS while the company searches for a successor
Lump-sum severance of $2.9 million, about two years of annual cash compensation before taxes and withholdings
About $3.2 million in cash for the unvested portion of his new-hire "make whole" equity award; prorated 2025 incentive payable in Q1 2026
Equifax reported first-quarter 2025 revenue of $1.442 billion, up 4%, and said it was $37 million above the midpoint of its February guidance. Net income attributable to Equifax rose 7% to $133.1 million, and diluted EPS rose 6% to $1.06. The board authorized a $3 billion share repurchase program and a 28% dividend increase to $0.50 per share, while maintaining full-year 2025 guidance.
Q1 2025 revenue $1.442 billion, up 4% reported and 5% local currency; U.S. Mortgage revenue up 7%
Net income attributable to Equifax $133.1 million, up 7%; diluted EPS $1.06, up 6%; adjusted EPS $1.53, up 2%
Board authorized up to $3 billion in share repurchases with no stated expiration date, announced April 21, 2025
Quarterly dividend raised 28% to $0.50 per share, payable June 13, 2025; full-year 2025 guidance maintained
Equifax reported fourth-quarter 2024 revenue of $1.419 billion, up 7% on a reported basis, and diluted EPS of $1.39 versus $1.06 a year earlier. The company also issued 2025 guidance with a revenue midpoint of $5.950 billion and Adjusted EPS midpoint of $7.45, which assumes about a 12% decline in U.S. mortgage hard credit inquiries.
Q4 2024 net income attributable to Equifax was $174.0 million, up 31% from $132.4 million
Q4 2024 adjusted diluted EPS was $2.12, up 17%; full-year 2024 adjusted EPS was $7.29, up 9%
2025 guidance: revenue of $5.890 billion to $6.010 billion and Adjusted EPS of $7.25 to $7.65 per share
Company plans to grow its dividend and return cash through share repurchases in 2025
Equifax amended the employment agreement of CEO Mark W. Begor so that his employment no longer ends on December 31, 2025, and it eliminated severance for termination without cause or for good reason, except after a change in control. The company said Begor will continue to lead the business beyond 2025, and the filing reports no financial results.
Letter agreement with Mark W. Begor dated November 7, 2024 removes the December 31, 2025 end date in his employment agreement.
Severance benefits for termination without cause or for good reason are eliminated, except in a change in control.
Chairman Mark Feidler said the board remains confident Begor is positioned to continue leading the company.
Equifax reported third-quarter 2024 revenue of $1.442 billion, up 9% from a year earlier, led by growth in Workforce Solutions verification services and U.S. mortgage revenue. Net income attributable to Equifax fell 13% to $141.3 million, and diluted EPS fell 14% to $1.13, while adjusted EPS rose 5% to $1.85. The filing also sets fourth-quarter and full-year 2024 guidance, with full-year adjusted EPS expected at $7.25 to $7.35.
Q3 2024 revenue $1.442 billion, up 9% reported and 11% in local currency
Diluted EPS $1.13 versus $1.31 a year earlier; adjusted diluted EPS $1.85, up 5%
Q3 included $41.6 million of restructuring charges for the realignment of resources and other costs
FY 2024 guidance: reported revenue $5.700 billion to $5.720 billion; adjusted EPS $7.25 to $7.35
Equifax reported second-quarter 2024 revenue of $1.430 billion, up 9% on a reported basis, with net income attributable to Equifax of $163.9 million, up 19%. The company maintained its full-year 2024 guidance, with a revenue midpoint of $5.720 billion and Adjusted EPS of $7.35, and said non-mortgage revenue growth offset a challenging U.S. mortgage market.
Q2 2024 diluted EPS was $1.31, up 17% from $1.12; Adjusted EPS was $1.82, up 6%.
Workforce Solutions revenue was $612.9 million, up 5%; USIS revenue was $478.3 million, up 7%; International revenue was $339.3 million, up 17%.
Full-year 2024 guidance was maintained: revenue midpoint of $5.720 billion, up 8.6%, and Adjusted EPS of $7.35.
Q3 2024 guidance calls for reported revenue of $1.425 billion to $1.445 billion and Adjusted EPS of $1.75 to $1.85.
Equifax appointed Barbara A. Larson, former Workday CFO, as an independent director effective May 1, 2024, expanding the board to ten members, nine of them independent. At its May 2, 2024 annual meeting, shareholders elected all nine director nominees and approved executive pay and the appointment of Ernst & Young LLP on an advisory basis, and the filing reports no financial results or guidance changes.
Barbara A. Larson appointed independent director on May 1, 2024; term runs to the 2025 annual meeting; she will serve on the Audit Committee
Mark W. Begor received 109,022,573 votes for; Mark L. Feidler received 99,478,693 votes for, with 7,525,328 against
Shareholders approved named executive officer compensation with 99,361,137 votes for and 10,166,264 against
Shareholders ratified Ernst & Young LLP as auditor for fiscal 2024 with 109,773,935 votes for and 4,301,402 against
Equifax said Executive Vice President and Workforce Solutions President Rodolfo O. Ploder intends to retire, and he will stay in a transition role through September 30, 2024. Chad M. Borton will succeed him in the role effective May 6, 2024. The filing describes an orderly leadership handover for a unit of the company, with no financial results or guidance included.
Rodolfo O. Ploder informed the company of his retirement intention on April 30, 2024.
Ploder remains an employee in a transition role through September 30, 2024.
Chad M. Borton succeeds Ploder as Executive Vice President, President, Workforce Solutions, effective May 6, 2024.
Equifax reported first-quarter 2024 revenue of $1.389 billion, up 7%, and net income attributable to Equifax of $124.9 million, up 11%, with diluted EPS of $1.00 versus $0.91 a year earlier. The company kept its full-year 2024 guidance, with revenue midpoint of $5.720 billion and Adjusted EPS of $7.35, while citing an expected 11% decline in U.S. mortgage credit inquiries for the year.
Q1 2024 revenue of $1.389 billion, up 7%; Workforce Solutions up 1%, USIS up 10%, International up 13%
Net income attributable to Equifax of $124.9 million, up 11%; diluted EPS $1.00 vs. $0.91; Adjusted EPS $1.50, up 5%
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