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๐ ๐๐๐ฌ๐ฎ๐ฅ๐ญ๐ฌ
โข Adj. EPS: $2.26 (Est. $2.20) โ , +11% YoY.
โข Revenue: $1.693B (Est. $1.69B) ๐ฐ, +10% YoY.
โข GAAP EPS: $1.79, +39% YoY.
โข Net Income: $211.7M, +32% YoY.
โข Operating Income: $355.3M (vs. $264.3M YoY).
โข Adj. EBITDA Margin: 33.1% (vs. 32.7% YoY).
โข Workforce Solutions Revenue: $693.9M, +7% YoY.
โข USIS Revenue: $599.1M, +13% YoY.
โข International Revenue: $399.5M, +9% YoY.
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๐ฏ ๐๐ฎ๐ข๐๐๐ง๐๐
โข Q4 2026 Revenue: $1.605Bโ$1.635B, midpoint $1.620B (Est. $1.69B) โ, +3.5%โ5.4% YoY.
โข Q4 2026 Adj. EPS: $2.07โ$2.17, midpoint $2.12 (Est. $2.19) โ
โข FY2026 Revenue: $6.646Bโ$6.676B, midpoint $6.661B (Est. $6.73B) โ, lowered from prior guidance.
โข FY2026 Adj. EPS: $8.45โ$8.55, midpoint $8.50 (Est. $8.50) ๐ฐ, lowered by $0.04.
โข FY2026 Diversified Markets Revenue Growth: High single digits, maintained.
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๐ ๐๐๐ฒ ๐๐๐ค๐๐๐ฐ๐๐ฒ๐ฌ
โข Q3 Adj. EPS beat consensus by ~2.7%, while revenue came in broadly in line with estimates.
โข Diversified Markets revenue grew 8%, supported by broad-based strength across business units and a record new product Vitality Index above 17%.
โข U.S. Mortgage revenue increased 15% despite market weakness, with USIS Mortgage up 28% and Workforce Solutions Mortgage roughly flat.
โข Equifax lowered its FY2026 revenue midpoint to $6.661B, ~1% below consensus, citing persistent U.S. mortgage market weakness.
โข Q4 revenue guidance midpoint stands ~4.1% below consensus, while Adj. EPS guidance is ~3.2% below estimates.
โข Equifax continues deploying EFX.AI toward its $150M AI productivity goal and expects its Cรญrculo de Crรฉdito acquisition to close in Q4.
โข The company returned $158M to shareholders, including $92M in share repurchases and $66M in dividends.
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๐ฌ ๐๐๐ง๐๐ ๐๐ฆ๐๐ง๐ญ ๐๐จ๐ฆ๐ฆ๐๐ง๐ญ๐๐ซ๐ฒ
โWe 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.โ