Equifax beats Q3 guidance, raises full-year outlook

Equifax Inc. (NYSE: EFX) reported third-quarter revenue of $1.545 billion, up 7% year-over-year and $25 million above the midpoint of its guidance range. The credit reporting company raised its full-year 2025 revenue guidance by $40 million and increased adjusted earnings per share guidance by $0.12.

Third-quarter net income attributable to Equifax was $160.2 million, or $1.29 per diluted share, compared to $141.3 million, or $1.13 per share, in the same period last year. Adjusted earnings per share reached $2.04, up 10% from the prior year.

The company's Workforce Solutions segment generated $649.4 million in revenue, a 5% increase. U.S. Information Solutions revenue rose 11% to $530.2 million, driven by 26% growth in mortgage revenue despite a declining mortgage market. International revenue increased 6% on a reported basis to $365.3 million.

Equifax returned approximately $360 million to shareholders during the quarter, including $300 million in share repurchases of 1.2 million shares. The company raised its 2025 free cash flow guidance from $900+ million to a range of $950 million to $975 million.

For the fourth quarter of 2025, Equifax expects revenue between $1.506 billion and $1.536 billion, representing growth of 6.1% to 8.2%. Full-year revenue guidance now ranges from $6.030 billion to $6.060 billion, with adjusted earnings per share projected between $7.55 and $7.65.

The company also announced a new mortgage score pricing structure, offering VantageScore 4.0 mortgage credit scores at over 50% reduction to FICO mortgage scores starting in 2026.

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