Revenue Growth Across the Business
EFX grew total revenue by 6.9% year-over-year from $5.68B to $6.07B in FY2025, reflecting continued demand for its data and analytics solutions across its business segments.
Source: 10-K Income Statement
Computed from published fixed rules, not a model's judgement — though one input, the count of high-severity risks, comes from the AI analysis below.
Not investment advice and not a price target: it scores the quarter's fundamentals, not the stock. Full methodology →
AI Takeaway
Equifax (EFX) delivered solid FY2025 results with revenue growing 6.9% to $6.07B and net income rising 9.3% to $660.3M, driven by strong operating cash flow of $1.62B, though elevated SG&A costs and a current ratio below 1.0 warrant monitoring.
Revenue
$6.07B
+6.92% YoY
EPS (Diluted)
$5.32
+9.92% YoY
Operating Income
$1.1B
+5.10% YoY
Source: SEC XBRL
Equifax (EFX) reported FY2025 revenue of $6.07B, up 6.9% year over year. Operating margin was 18.0%, down 0.3 points from 18.3% a year earlier. Operating cash flow was $1.62B, up 22.0% year over year.
Last 4 quarters: 4 beats
| Quarter | Actual EPS (USD) | Consensus (USD) | Result |
|---|---|---|---|
| Jun 2026 | 2.25 | 2.22 | Beat +1.2% |
| Mar 2026 | 1.86 | 1.72 | Beat +8.3% |
| Dec 2025This filing | 2.09 | 2.07 | Beat +0.8% |
| Sep 2025 | 2.04 | 1.95 | Beat +4.5% |
Reported EPS of $2.09 versus the $2.07 analyst consensus — a +0.8% beat for Dec 2025.
Compiled by AI from this SEC filing
EFX grew total revenue by 6.9% year-over-year from $5.68B to $6.07B in FY2025, reflecting continued demand for its data and analytics solutions across its business segments.
Source: 10-K Income Statement
Operating cash flow jumped 22.0% year-over-year to $1.62B in FY2025 (from $1.32B in FY2024), significantly outpacing revenue growth and indicating improved cash conversion efficiency.
Source: 10-K Cash Flow Statement
Selling, General & Administrative expenses rose 11.3% to $1.61B in FY2025, outpacing revenue growth of 6.9% and contributing to a slight compression in operating margin from 18.3% to 18.0%.
Source: 10-K Income Statement
EFX repurchased $927.5M in shares during FY2025 (versus $0 in FY2024), which contributed to a 4.0% decline in stockholders' equity to $4.60B and reflects management's confidence in the company's cash generation.
Source: 10-K Cash Flow Statement & Balance Sheet
Net income grew 9.3% to $660.3M and diluted EPS increased 9.9% to $5.32 in FY2025, with EPS growth slightly exceeding net income growth due to share count reduction from buybacks.
Source: 10-K Income Statement
Compiled by AI from this SEC filing · 2 high, 2 medium, 1 low
EFX's current ratio stands at 0.60 in FY2025, well below the 1.0 threshold, as current liabilities surged 28.9% to $2.34B while current assets grew only 3.8% to $1.41B. This imbalance could create near-term liquidity pressure if operating cash flows were to deteriorate unexpectedly.
Source: 10-K Balance Sheet
Long-term debt stands at $5.11B against stockholders' equity of $4.60B, resulting in a debt-to-equity ratio of 1.55. Combined with $927.5M in share buybacks funded in FY2025, the company's balance sheet leverage has increased, limiting financial flexibility.
Source: 10-K Balance Sheet & Cash Flow Statement
SG&A expenses grew 11.3% in FY2025, significantly faster than revenue growth of 6.9%, which compressed operating margin by approximately 30 basis points to 18.0%. If this cost trend continues without commensurate revenue acceleration, profitability could be further pressured.
Source: 10-K Income Statement
Stockholders' equity fell 4.0% year-over-year to $4.60B in FY2025, driven in part by the large share repurchase program. A continued decline in equity base could affect the company's credit profile and borrowing capacity over time.
Source: 10-K Balance Sheet
Total assets grew only 0.9% to $11.86B while total liabilities expanded 4.2% to $7.13B in FY2025, indicating that liability growth is outpacing asset accumulation. This trend, if sustained, could gradually weaken the company's overall financial position.
Source: 10-K Balance Sheet
| Metric | Current | Previous | YoY Change |
|---|---|---|---|
Revenue $B | 6.07 $B | 5.68 $B | +6.92% |
Operating Income $B | 1.10 $B | 1.04 $B | +5.10% |
Net Income $M | 660.30 $M | 604.10 $M | +9.30% |
EPS (Basic) $ | 5.36 $ | 4.88 $ | +9.84% |
EPS (Diluted) $ | 5.32 $ | 4.84 $ | +9.92% |
SG&A Expense $B | 1.61 $B | 1.45 $B | +11.29% |
Answers draw on this SEC filing and the data on this page
Equifax delivered 11% revenue growth to $1.7B in Q2 FY2026, led by U.S. Information Solutions and Workforce Solutions, but operating margin fell 1.7 percentage points and net income declined 4% as royalty, litigation, amortization, interest, and tax costs increased. Source: 10-Q Item 2 MD&A, pp.26-28
Equifax (EFX) delivered strong Q1 FY2026 results with revenue of $1.65B (+14.3% YoY) and net income of $171.5M (+28.9% YoY), driven by operating leverage and EPS growth of 34%, though liquidity remains tight with a current ratio below 1.
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