Revenue: As of FY2025, the actual value is USD 6.075 B, beating the estimate of USD 6.052 B.EPS: As of FY2025, the actual value is USD 5.32, missing the estimate of USD 5.5828.EBIT: As of FY2025, the actual value is USD 1.308 B.<h4>Consolidated Financial Performance</h4><ul><li>Operating Revenue:<ul><li>艾可菲 (Equifax Inc.) reported consolidated operating revenue of $6,074.5 million in 2025, marking a 7% ($393.4 million) increase from $5,681.1 million in 2024.</li><li>In 2024, consolidated operating revenue rose by 8% ($415.9 million) to $5,681.1 million from $5,265.2 million in 2023.</li><li>Foreign exchange rates negatively impacted revenue by $21.7 million (less than 1%) in 2025 compared to 2024, and by $105.5 million (2%) in 2024 compared to 2023.</li></ul></li><li>Operating Income:<ul><li>Consolidated operating income for 艾可菲 (Equifax Inc.) was $1,095.2 million in 2025, an increase of 5% ($53.1 million) from $1,042.1 million in 2024.</li><li>In 2024, operating income grew by 12% ($108.5 million) to $1,042.1 million from $933.6 million in 2023.</li></ul></li><li>Operating Margin:<ul><li>The consolidated operating margin was 18.0% in 2025, a decrease of 0.3 percentage points from 18.3% in 2024.</li><li>In 2024, the operating margin increased by 0.6 percentage points to 18.3% from 17.7% in 2023.</li><li>The 2025 margin decrease was primarily attributed to higher royalty, revenue share, and purchased data costs, along with increased amortization of capitalized internal-use software costs.</li></ul></li><li>Net Income Attributable to Equifax:<ul><li>Net income attributable to 艾可菲 (Equifax Inc.) increased by 9% ($56.2 million) to $660.3 million in 2025, up from $604.1 million in 2024.</li><li>In 2024, net income attributable to 艾可菲 (Equifax Inc.) increased by 11% ($58.8 million) to $604.1 million, from $545.3 million in 2023.</li></ul></li><li>Cash Flow:<ul><li>Cash provided by operating activities increased to $1,615.7 million in 2025, an increase of $291.2 million from $1,324.5 million in 2024.</li><li>In 2024, cash provided by operating activities was $1,324.5 million, an increase of $207.7 million from $1,116.8 million in 2023.</li><li>Capital expenditures decreased to -$481.4 million in 2025 from -$511.5 million in 2024, and further decreased from -$601.3 million in 2023.</li></ul></li></ul><h4>Segment-Specific Performance</h4><h5>Workforce Solutions</h5><ul><li>Segment Revenue:<ul><li>Total operating revenue for Workforce Solutions was $2,582.3 million in 2025, representing a 6% increase from $2,433.8 million in 2024.</li><li>In 2024, revenue grew 5% to $2,433.8 million from $2,315.8 million in 2023.</li><li>Verification Services revenue increased 8% to $2,179.8 million in 2025 from $2,021.9 million in 2024, driven by growth in diversified markets and mortgage revenue.</li><li>Employer Services revenue decreased 2% to $402.5 million in 2025 from $411.9 million in 2024, primarily due to declines in unemployment claims, ACA, and I-9 revenue, partially offset by increases in work opportunity tax credit and identity theft protection services.</li></ul></li><li>Operational Metrics:<ul><li>Operating income for Workforce Solutions was $1,141.5 million in 2025, an 8% increase from $1,053.3 million in 2024.</li><li>The operating margin increased to 44.2% in 2025 from 43.3% in 2024, and to 43.3% in 2024 from 41.9% in 2023, primarily due to revenue increases.</li></ul></li><li>Unique Metrics:<ul><li>The Work Number® held approximately 209 million active and 813 million total (active and historic) employment records at December 31, 2025.</li></ul></li></ul><h5>U.S. Information Solutions (USIS)</h5><ul><li>Segment Revenue:<ul><li>Total operating revenue for USIS increased 10% to $2,078.5 million in 2025 from $1,893.0 million in 2024.</li><li>In 2024, revenue increased 10% to $1,893.0 million from $1,720.4 million in 2023.</li><li>Online Information Solutions revenue increased 10% to $1,821.4 million in 2025 from $1,650.6 million in 2024, driven by growth in mortgage and diversified markets, and consumer solutions.</li><li>Financial Marketing Services revenue increased 6% to $257.1 million in 2025 from $242.4 million in 2024, primarily due to growth in credit marketing services.</li></ul></li><li>Operational Metrics:<ul><li>Operating income for USIS was $475.2 million in 2025, an 18% increase from $404.4 million in 2024.</li><li>The operating margin increased to 22.9% in 2025 from 21.4% in 2024, primarily due to revenue increases, partially offset by higher mortgage-related royalty costs.</li></ul></li></ul><h5>International</h5><ul><li>Segment Revenue:<ul><li>Total operating revenue for International increased 4% to $1,413.7 million in 2025 from $1,354.3 million in 2024.</li><li>Local currency revenue grew 6% in 2025, driven by Latin America (Argentina, Brazil, Paraguay), Asia Pacific, Europe, and Canada.</li><li>Foreign exchange rates negatively impacted revenue by $21.7 million (2%) in 2025.</li><li>Latin America local currency revenue increased 10% in 2025, primarily due to growth in Argentina, Brazil, and Paraguay.</li><li>Europe local currency revenue increased 4% in 2025, driven by consumer credit reporting businesses in the U.K. and Spain.</li><li>Asia Pacific local currency revenue increased 5% in 2025, primarily from commercial, consumer credit reporting, and identity and fraud businesses in Australia.</li><li>Canada local currency revenue increased 4% in 2025, from direct-to-consumer, consumer credit reporting, and commercial businesses.</li></ul></li><li>Operational Metrics:<ul><li>Operating income for International was $182.5 million in 2025, a 1% increase from $181.2 million in 2024.</li><li>The operating margin was 12.9% in 2025, a decrease from 13.4% in 2024, primarily due to higher people costs and increased amortization of capitalized internal-use software.</li></ul></li></ul><h4>Outlook / Guidance</h4>艾可菲 (Equifax Inc.) anticipates that U.S. economic activity in 2026 will grow at a rate consistent with 2025, while U.S. mortgage credit activity is expected to be slightly below 2025 levels.Economic activity in international markets is also projected to grow at rates below those experienced in 2025.These assumptions are subject to change due to current significant economic and market volatility and uncertainty, including expectations for inflation and interest rates.

Equifax | 10-K: FY2025 Revenue Beats Estimate at USD 6.075 B