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Equifax

EFX Q2 2025 Earnings

Reported Jul 22, 2025 at 6:33 AM ET · SEC Source

Q2 25 EPS

$2.00

BEAT +4.50%

Est. $1.91

Q2 25 Revenue

$1.54B

BEAT +1.75%

Est. $1.51B

vs S&P Since Q2 25

-43.1%

TRAILING MARKET

EFX -28.5% vs S&P +14.6%

Market Reaction

Did EFX Beat Earnings? Q2 2025 Results

Equifax posted a strong second quarter, beating Wall Street estimates on both the top and bottom lines as the credit data giant demonstrated resilience despite continued softness in U.S. Mortgage and hiring markets. Adjusted diluted EPS came in at $2… Read more Equifax posted a strong second quarter, beating Wall Street estimates on both the top and bottom lines as the credit data giant demonstrated resilience despite continued softness in U.S. Mortgage and hiring markets. Adjusted diluted EPS came in at $2.00, clearing the $1.91 consensus estimate by 4.50%, while revenue rose 7.4% year-over-year to $1.54 billion, topping the $1.51 billion analyst expectation by 1.75% and exceeding the midpoint of the company's own April guidance by $27.00 million. The standout driver was mortgage-related demand holding up better than feared, with USIS mortgage revenue surging 20% and Verification Services mortgage revenue climbing 9% despite weak origination volumes. Workforce Solutions, the company's largest segment, grew 8% to $662.10 million, aided by double-digit gains in Government and Consumer Lending. Looking ahead, Equifax raised its full-year reported revenue guidance by $35.00 million and lifted adjusted EPS by $0.03, now guiding for fiscal 2025 revenue of $5.97 billion to $6.04 billion and adjusted EPS of $7.33 to $7.63, while maintaining constant-dollar growth expectations of approximately 6% at the midpoint given broader economic uncertainty.

Key Takeaways

  • • Strong 14% U.S. Mortgage revenue growth despite declining mortgage market
  • • Verification Services Non-Mortgage revenue growth of 10% driven by Government and Consumer Lending
  • • USIS Mortgage revenue growth of 20%
  • • USIS Non-Mortgage revenue growth of over 4% led by Auto strength
  • • International local currency growth of 6% led by Latin America and Europe
  • • New Product Innovation Vitality Index of 14%
24/7 Wall St

EFX YoY Financials

Q2 2025 vs Q2 2024, source: SEC Filings

24/7 Wall St

EFX Revenue by Segment

With YoY comparisons, source: SEC Filings

Q2 25 Q1 26
24/7 Wall St

EFX Revenue by Geography

With YoY comparisons, source: SEC Filings

Q2 25 Q1 26

“Equifax delivered strong second quarter revenue of $1.537 billion, up 8% on a local currency basis and 7% on a reported basis that was $27 million above the mid-point of our April guidance. This was led by strong 14% U.S. Mortgage revenue growth and continued momentum in New Product Innovation with a Vitality Index of 14% despite headwinds from the U.S. Mortgage and Hiring markets. Workforce Solutions delivered 8% revenue growth, driven by Verification Services revenue growth of 10% led by Non-Mortgage revenue growth of 10% from strong double digit growth in the Government and Consumer Lending businesses. Mortgage revenue grew 9% despite continued weak Mortgage markets. USIS delivered solid revenue growth of 9%, above their 6 to 8% Long Term Financial Framework. USIS revenue growth was led by very strong Mortgage revenue growth of 20% and Non-Mortgage revenue growth of over 4%, led by strength in Auto. International delivered 6% local currency revenue growth led by Latin America and Europe. We were pleased with the strong Equifax results in a challenging and uncertain market environment.”

— Mark W. Begor, Q2 2025 Earnings Press Release

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