From The Motley Fool · Motley Fool Transcribing · · 1m 50s
Equifax Q3 2026 Earnings Beat
Equifax reports $1.69B revenue up 10% YoY despite mortgage market headwinds.
In brief
Equifax reports $1.69B revenue up 10% YoY despite mortgage market headwinds. Equifax's Q3 2026 earnings exceeded guidance with $1.69B revenue and $2.26 adjusted EPS despite mortgage market weakness. Originally reported by The Motley Fool.
Q3 Revenue Results
Equifax reported $1.69 billion operating revenue, up 10% year over year.
Adjusted EPS Performance
Adjusted EPS reached $2.26, growing 11% compared to prior year despite $20 million mortgage headwinds.
EBITDA Margin Expansion
Adjusted EBITDA margin increased to 33.1% from 32.7% last year.
New Product Vitality Index
New Product Vitality Index reached 17%, exceeding company's 10% long-term goal.
Workforce Solutions Revenue
Workforce Solutions revenue grew to $693.9 million, up 7% year over year.
Talent Solutions Growth
Talent Solutions revenue grew over 20% in quarter, outperforming soft hiring market.
Government ACV
Government ACV reached over $550 million year-to-date with $150 million new business.
Active TWN Records
Active TWN Records reached 23 million, up 12% year over year with 125 million total records.
U.S. Information Solutions
U.S. Information Solutions revenue grew to $599.1 million, up 13% year over year.
Ex-FICO EBITDA Margin
Ex-FICO USIS EBITDA margin expanded to 42.4%, up 23 basis points year over year.
International Revenue
International revenue reached $399.5 million, up 7% in constant currency.
VantageScore Adoption
VantageScore adopted by approximately 2,000 mortgage lenders, sevenfold increase since April.
Share Repurchases
Share repurchases totaled $92 million, bringing year-to-date repurchases to $650 million.
Full Year Revenue Guidance
Full year revenue guidance at $6.66 billion midpoint, $80 million lower than July forecast.
Full Year EPS Guidance
Full year adjusted EPS guidance at $8.50, slightly lower than previous midpoints.
Free Cash Flow
Free cash flow projected to exceed $1 billion for 2026 with 100% cash conversion.
What it means
Equifax's Q3 2026 earnings exceeded guidance with $1.69B revenue and $2.26 adjusted EPS despite mortgage market weakness.
