Equifax (EFX) Earnings Date & Reports

Key Takeaways

• Equifax reported second-quarter 2026 revenue of $1.700 billion, an 11% increase year-over-year on a reported basis and 10% in local currency.
• Adjusted earnings per share reached $2.25, up 13% from the prior year and above the consensus estimate of approximately $2.20.
• Workforce Solutions revenue grew 7%, while U.S. Information Solutions (USIS) revenue rose 17%, driven by strong mortgage and diversified markets performance.
• The company signed a definitive agreement to acquire Círculo de Crédito in Mexico for an enterprise value of $750 million, expected to close in the fourth quarter of 2026.
• Equifax returned $366 million to shareholders through share repurchases and dividends, and doubled its AI-driven cost reduction target to $150 million through 2028.
• Guidance for the third quarter and full year 2026 reflects continued revenue growth expectations in the 8.7% to 11.6% range on a reported basis.

Earnings Context and Why It Matters

Equifax Inc. delivers data, analytics, and technology solutions across workforce, consumer credit, and international markets. The second-quarter results highlight resilience in diversified segments amid varying economic conditions, including mortgage market dynamics. Investors monitor these reports for insights into demand for verification services, mortgage-related products, and international expansion, as well as the company's ability to leverage technology investments for margin expansion and new product growth.

Reported Results

Equifax reported revenue of $1.700 billion for the quarter ended June 30, 2026, up 11% year-over-year. Adjusted EPS of $2.25 exceeded analyst expectations. GAAP diluted EPS was $1.54, with net income attributable to Equifax at $183.9 million. Workforce Solutions revenue totaled $705.4 million, up 7%, while USIS revenue reached $611.6 million, up 17%. International revenue grew 8% reported and 4% in local currency. The company also provided updated guidance, projecting full-year 2026 reported revenue between $6.710 billion and $6.780 billion.

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Market Reaction and Investor Sentiment

Following the July 21, 2026, release, market participants focused on the revenue beat, acquisition announcement, and raised AI cost-saving ambitions. The results reinforced Equifax’s execution on its EFX2028 priorities, including new product innovation with a 16% Vitality Index. Investor attention centered on sustained growth in mortgage and diversified markets segments alongside capital return initiatives.

Forward Outlook and Key Factors to Monitor

Equifax updated its third-quarter and full-year 2026 guidance, projecting reported revenue growth between 8.7% and 10.7% for the quarter and 10.5% to 11.6% for the year. Adjusted EPS guidance ranges from $2.15 to $2.25 for the third quarter and $8.39 to $8.69 for the full year.

Investors should track progress on the pending acquisition of Círculo de Crédito and its expected contribution to international growth. The company’s expanded AI initiatives, now targeting $150 million in cost reductions through 2028, represent a key operational focus.

Additional areas to watch include mortgage market trends, given the 25% year-over-year U.S. mortgage revenue increase, and performance in Workforce Solutions Government contracts. Sequential improvement in USIS diversified markets growth will also warrant attention as economic conditions evolve.

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