EFX Q4 2025 Earnings
Reported Feb 4, 2026 at 6:32 AM ET · SEC Source
Q4 25 EPS
$2.09
BEAT +1.95%
Est. $2.05
Q4 25 Revenue
$1.55B
BEAT +1.49%
Est. $1.53B
vs S&P Since Q4 25
-5.4%
TRAILING MARKET
EFX -0.3% vs S&P +5.0%
Full Year 2025 Results
FY 25 EPS
$7.65
BEAT +0.43%
Est. $7.62
FY 25 Revenue
$6.07B
BEAT +0.38%
Est. $6.05B
Market Reaction
Did EFX Beat Earnings? Q4 2025 Results
Equifax closed out fiscal 2025 on a strong note, posting fourth-quarter revenue of $1.55 billion, up 9.2% year over year and ahead of the $1.53 billion consensus estimate, while adjusted EPS of $2.09 edged past the $2.05 Wall Street forecast by 1.95%… Read more Equifax closed out fiscal 2025 on a strong note, posting fourth-quarter revenue of $1.55 billion, up 9.2% year over year and ahead of the $1.53 billion consensus estimate, while adjusted EPS of $2.09 edged past the $2.05 Wall Street forecast by 1.95%, even as a $30 million legal settlement charge weighed on the bottom line. The standout driver was USIS, which grew 12% to $526.90 million, powered by a 33% surge in mortgage revenue that more than offset softness in the broader U.S. Hiring and mortgage markets. Workforce Solutions contributed as well, rising 9% to $652.20 million on the strength of government and consumer lending verification demand, while a Vitality Index of 17% underscored the company's momentum in new product innovation. Looking ahead, management guided full-year 2026 revenue to a midpoint of $6.72 billion, representing roughly 10.5% growth, with adjusted EPS of $8.50, up approximately 11%, a forecast that drew a Buy upgrade from at least one major Wall Street firm citing multi-year acceleration in Workforce Solutions.
Key Takeaways
- • U.S. Mortgage revenue up 20% despite decline in underlying mortgage market
- • Workforce Solutions Verification Services Diversified Markets revenue growth of 11%
- • Strong Government revenue growth in low double digits
- • Consumer Lending revenue growth in mid double digits
- • USIS Mortgage revenue growth of 33%
- • New product innovation with 17% Vitality Index
EFX YoY Financials
Q4 2025 vs Q4 2024, source: SEC Filings
EFX Revenue by Segment
With YoY comparisons, source: SEC Filings
EFX Revenue by Geography
With YoY comparisons, source: SEC Filings
“Equifax delivered strong fourth quarter revenue of $1.551 billion, up 9% on both a reported and local currency basis, that was $30 million above the midpoint of our October guidance. This was led by strong 20% U.S. Mortgage revenue growth, strong Workforce Solutions Government revenue growth, and continued momentum in New Product Innovation with a Vitality Index of 17% despite headwinds from the U.S. Mortgage and Hiring markets.”
— Mark W. Begor, Q4 2025 Earnings Press Release
EFX Earnings Trends
EFX vs Market 30 Day Price Reactions
30-day stock return vs benchmark after each earnings
EFX EPS Trend
Earnings per share: estimate vs actual
EFX Revenue Trend
Quarterly revenue: estimate vs actual
EFX Quarterly Results
4 quarters of earnings data
| Quarter | EPS Est. | EPS Act. | Surprise | Revenue | Rev. Surprise |
|---|---|---|---|---|---|
| Q1 26 BEAT | $1.70 | $1.86 | +9.73% | $1.65B | +1.89% |
| Q4 25 BEAT FY | $2.05 | $2.09 | +1.95% | $1.55B | +1.49% |
| FY Full Year | $7.62 | $7.65 | +0.43% | $6.07B | +0.38% |
| Q3 25 BEAT | $1.94 | $2.04 | +5.39% | $1.54B | +1.43% |
| Q2 25 BEAT | $1.91 | $2.00 | +4.50% | $1.54B | +1.75% |