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Equifax

EFX Q1 2026 Earnings

Reported Apr 21, 2026 at 6:32 AM ET · SEC Source

Q1 26 EPS

$1.86

BEAT +9.73%

Est. $1.70

Q1 26 Revenue

$1.65B

BEAT +1.89%

Est. $1.62B

vs S&P Since Q1 26

-18.0%

TRAILING MARKET

EFX -15.6% vs S&P +2.4%

Market Reaction

Did EFX Beat Earnings? Q1 2026 Results

Equifax delivered a strong first quarter, posting revenue of $1.65 billion, up 14.3% year over year and ahead of the $1.62 billion consensus estimate by 1.89%, while adjusted EPS of $1.86 beat the $1.70 consensus by 9.73%, rising 22% from the year-ag… Read more Equifax delivered a strong first quarter, posting revenue of $1.65 billion, up 14.3% year over year and ahead of the $1.62 billion consensus estimate by 1.89%, while adjusted EPS of $1.86 beat the $1.70 consensus by 9.73%, rising 22% from the year-ago period. The standout driver was an explosive 38% surge in U.S. Mortgage revenue within the USIS segment, which itself grew 21% to $605.60 million, pulling the broader business well past its own February guidance midpoint by $37 million. Net income climbed 29% to $171.50 million, and the company returned $327 million to shareholders through buybacks and dividends. Shares edged higher in premarket trading following the announcement. Despite the strong beat, Equifax maintained its full-year local currency revenue growth outlook of approximately 10%, citing interest rate uncertainty tied to the Iran conflict, though it nudged full-year reported revenue guidance up to a range of $6.69 billion to $6.81 billion and raised adjusted EPS guidance by $0.04 to a range of $8.34 to $8.74.

Key Takeaways

  • • Very strong U.S. Mortgage revenue growth of 38% driven by higher mortgage activity in January and February before rates increased
  • • USIS Mortgage revenue growth of 60%
  • • Verification Services Diversified Markets up 14% with strong mid-double-digit Government growth
  • • New Product Innovation Vitality Index of 17%
  • • EFX Cloud technology transformation and EFX.AI capabilities

EFX Forward Guidance & Outlook

Equifax is maintaining its full-year 2026 local currency revenue growth guidance midpoint of approximately 10%, despite the strong Q1 beat, due to uncertainty around interest rates and U.S. mortgage activity from the Iran conflict. Full-year reported revenue guidance was increased by $25 million to a range of $6.685 billion to $6.805 billion (10.0% to 12.0% reported growth), and full-year adjusted EPS was increased by $0.04 to $8.34 to $8.74 per share, reflecting favorable foreign exchange impacts. For Q2 2026, the company guided reported revenue of $1.680 billion to $1.710 billion (9.3% to 11.3% reported growth, 8.4% to 10.4% local currency growth) and adjusted EPS of $2.15 to $2.25 per share.

24/7 Wall St

EFX YoY Financials

Q1 2026 vs Q1 2025, 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 a very strong first quarter performance executing on our EFX2028 Strategic Priorities with reported revenue of $1.649 billion, up a strong 14%, with 13% local currency revenue growth which was $37 million above the midpoint of our February guidance. The revenue outperformance was principally driven by very strong U.S. Mortgage revenue growth of 38% principally in January and February before rates increased from the Iran conflict, continued solid performance in Diversified Markets up 6% in local currency, and strong New Product Innovation momentum with Vitality Index of 17% - significantly above our long-term goal of 10% - powered by the EFX Cloud, EFX.AI, and our proprietary data.”

— Mark W. Begor, Q1 2026 Earnings Press Release

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