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Equifax (EFX) earnings and revenue breakdown

Latest: Q3 2026 · 10-Q filed Oct 20, 2026 · Equifax (EFX) Q3 2026 earnings results →

Q3 2026 Revenue up 10% year over year to $1.7B · 13¢ of every $1 of revenue kept as net profit · operating margin 21.0%

Equifax made $1.7B in Q3 2026 (+10% Y/Y). Operating margin 21.0%, net earnings $212M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Oct 20, 2026.

Revenue$1.7B
Year over year+10%
Operating margin21.0%
Net earnings$212M
Operating cash flow$560M

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Equifax Q3 2026 revenue breakdown: Sankey diagram of revenue, costs, profit and cash flow
Equifax Q3 2026 revenue breakdown — free to use with credit and a link (terms). Share on X
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What changed this quarter

Revenue was $1.7B in Q3 2026, up 10% year over year and roughly flat from the previous quarter.

Operating profit was $0.36B, a 21.0% margin (up 3.9 points year over year). Of the extra revenue versus Q3 2025, 62% reached operating profit, above the 17% margin then. Total costs grew 4% against revenue growth of 10%. The fastest-growing cost line was Cost of revenue (+13%). Net earnings were $0.21B, up 32% year over year. The effective tax rate was 28.1%.

Operating cash flow was $0.56B (roughly flat year over year), 263% of net earnings. Non-cash charges added back $0.20B of depreciation and amortization and $0.01B of share-based compensation. Working capital and other items added $0.14B. Capital expenditures of $0.12B left free cash flow of $0.44B.

Quarterly history

Equifax revenue by quarterEquifax revenue by quarter$1.4BQ1 2025$1.5BQ2 2025$1.5BQ3 2025$1.6BQ4 2025$1.6BQ1 2026$1.7BQ2 2026$1.7BQ3 2026
Equifax net earnings by quarterEquifax net earnings by quarter$134MQ1 2025$193MQ2 2025$162MQ3 2025$176MQ4 2025$172MQ1 2026$184MQ2 2026$212MQ3 2026
QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 202610-QOct 20, 2026$1.7B+10%21.0%$212M$560M
Q2 202610-QJul 21, 2026$1.7B+11%18.5%$184M$340M
Q1 202610-QApr 21, 2026$1.6B+14%17.4%$172M$242M
Q4 202510-KFeb 19, 2026$1.6B+9%18.3%$176M$471M
Q3 202510-QOct 21, 2025$1.5B+7%17.1%$162M$560M
Q2 202510-QJul 22, 2025$1.5B+7%20.2%$193M$361M
Q1 202510-QApr 22, 2025$1.4B+4%16.4%$134M$224M

Charts

Equifax: revenue growth, year over year and quarter over quarterEquifax: revenue growth, year over year and quarter over quarterY/YQ/Q+4%Q1 2025+7%+7%Q2 2025+7%+1%Q3 2025+9%+0%Q4 2025+14%+6%Q1 2026+11%+3%Q2 2026+10%0%Q3 2026
Latest (Q3 2026): Y/Y +10%, Q/Q 0%.
Equifax: where the cash came from (+) and went (−), TTM to Q3 2026Equifax: where the cash came from (+) and went (−), TTM to Q3 2026Operating cash flow$1.6BBuybacks−$1.2BCapital spending−$509MNet borrowing (+) / repaid (−)$396MDividends−$260MOther investing−$74.1MShares issued$32.1MTaxes on employees’ shares−$17.1MOther financing−$17.1MPartners−$5.5MCash drawn (+) / kept (−)−$3.9MExchange rates−$2.0M
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
Equifax: profit against cash, quarter by quarterEquifax: profit against cash, quarter by quarterNet incomeOperating cash flow$173M$325MQ4 2024$134M$224MQ1 2025$193M$361MQ2 2025$162M$560MQ3 2025$176M$471MQ4 2025$173M$242MQ1 2026$185M$340MQ2 2026$213M$560MQ3 2026
Latest (Q3 2026): Net income $213M, Operating cash flow $560M.
Equifax: diluted shares by fiscal yearEquifax: diluted shares by fiscal year123MFY2020124MFY2021123MFY2022124MFY2023125MFY2024124MFY2025
+1.1% since FY2020: more shares outstanding (issuance, stock pay).
Equifax: long-term debt falling due (FY2025)Equifax: long-term debt falling due (FY2025)$1.0B2026$750M2027$825M2028$650M2029$600M2030$1.2BLater
Cash $181M, short-term investments —, long-term debt $5.1B at 2025-12-31.
Equifax in its industry: growth against margin (5 companies, SIC 7320)Equifax in its industry: growth against margin (5 companies, SIC 7320)revenue growth, year over year →↑ operating marginmedian +7%median 21%SPGIMCOTRUCRMZEFX (+10%, 21%)
Services-Consumer Credit Reporting, Collection Agencies; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

The same charts as the app — open one to draw it.

💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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About Equifax

Equifax Inc. is a global data, analytics and technology company. We provide information solutions for businesses, governments and consumers, and we provide human resources business process automation and outsourcing services for employers. We have a large and diversified group of clients, including financial institutions, corporations, government agencies and individuals. Our services are based on comprehensive databases of consumer and business information derived from numerous sources including credit, financial assets, telecommunications and utility payments, employment, income, educational history, criminal justice, healthcare professional licensure and sanctions, demographic and marketing data.

In its own words, from its 10-K, filed Feb 19, 2026.

Equifax against its Services-Consumer Credit Reporting, Collection Agencies peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +10% against the peers' median +7%. Operating margin: 21.0% against the peers' median 21.0%.

CompanyQuarterRevenueY/YOp. margin
EFX EquifaxQ3 2026$1.7B+10%21.0%
SPGI S&P GlobalQ3 2026$3.7B+7%53.2%
MCO Moody'sQ3 2026$2.0B+0.8%44.8%
TRU TransUnionQ3 2026$1.3B+12%20.4%
CRMZ CreditriskmonitorQ2 2026$5.2M+2%-12.9%

Source: Equifax 10-Q on SEC EDGAR · CIK 33185 · Services-Consumer Credit Reporting, Collection Agencies

Guidance and outlook

Equifax Revenue: guidance against what was reportedEquifax Revenue: guidance against what was reportedguided rangereported (above / within / below)FY2024$5.7BFY2025$6.1BFY2026Q4 2026
Met or beat 2 of 2 guided periods. Grey: the last range guided before the figures came out; dot: the reported figure.

13F: who owns EFX and who is buying

Largest holders of EFX (13F)Largest holders of EFX (13F)Vanguard Group$3.2BBlackRock$1.5BVanguard Capital Management LLC$1.2BHarris Associates L P$1.2BVanguard Portfolio Management LLC$832MState Street$825MCapital International Investors$823MSoroban Capital Partners LP$700MMassachusetts Financial Services$620MMorgan Stanley$526M
Funds' net buying of EFX by quarter (13F)Funds' net buying of EFX by quarter (13F)−$1.9B2024-09−$96.0M2024-12$932M2025-03−$805M2025-06$614M2025-09−$1.1B2025-12$793M2026-03−$223M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on EFX

History

Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results

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中文版：Equifax（EFX）财报

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