# Equifax Q3 2026 Earnings Beat

> Equifax reports $1.69B revenue up 10% YoY despite mortgage market headwinds.
- Title: Equifax Q3 2026 Earnings Beat · The Motley Fool | Shortify
- Summary: 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…
- Keywords: equifax, efx, q3 2026, earnings call, revenue, adjusted eps, mortgage market, vantage score, ai productivity, government revenue, finance, money
- Source: The Motley Fool — https://fool.com/earnings/call-transcripts/2026/10/20/equifax-efx-q3-2026-earnings-call-transcript
- Author: Motley Fool Transcribing
- Published: 2026-10-20T17:25:03+00:00
- Read time: 1 min
- Topics: equifax, efx, q3 2026, earnings call, revenue, adjusted eps, mortgage market, vantage score, ai productivity, government revenue, finance, money
## 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.
## Key takeaway

Equifax's Q3 2026 earnings exceeded guidance with $1.69B revenue and $2.26 adjusted EPS despite mortgage market weakness.