EFX at a glance
Equifax (EFX, SEC CIK 33185) filed its latest 10-K annual report on February 19, 2026, a 10-Q quarterly report on July 21, 2026, an 8-K current report on July 29, 2026 and Form 4 insider filings as recently as October 2, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), Equifax (EFX) reported revenue of $6.1 billion (up 6.9% from FY2024) and net income of $660.3 million. Diluted EPS was $5.32.
- As of June 30, 2026, 44 institutional investment managers tracked by SignalX reported holding Equifax (EFX) shares worth $7.5 billion in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by GAMBLE JOHN W JR on September 3, 2026 of 4,500 shares at $187.96 per share.
- In the last 90 days, EFX insiders reported 0 open-market purchases ($0) and 9 open-market sales ($7.4M) on Form 4, a net sale of $7.4M.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $6.1B
- +6.9% vs prior year
- Insiders · 90 days
- 0 buys · 9 sells
- Net −$7.4M
- 13F holders
- 44 funds
- $7.5B · +3 vs prior quarter
- Latest 8-K
- Jul 29, 2026
- Item 8.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business model: Data analytics and credit reporting services with geographic segments including Asia Pacific
- Emphasis on Asia Pacific segment goodwill valuation using combined income (70%) and market approach methods for impairment testing
- Strategic focus on technology transformation initiatives in Asia Pacific, with increased investment despite expense pressure
- Asia Pacific reporting unit fair value exceeds carrying value by over 10% as of Dec 1, 2025, but impairment risk elevated due to smaller valuation cushion
- Discount rate for goodwill impairment rose in 2025 to 10.0%-11.5%, reflecting increased risk environment and economic uncertainties
Risk Factors
- Legal risk: accrual for settlement resolving four related class action lawsuits increased litigation expense in 2025
- Geopolitical risk: foreign currency fluctuations reduced revenue by $21.7 million in 2025, mainly impacting Latin America and Asia Pacific segments
- Operational risk: increased amortization of capitalized internal-use software costs tied to prior technology transformation capital spending increased expenses in 2025
- Competitive risk: mortgage related revenue growth affected by lower mortgage credit inquiry volumes despite product pricing gains in 2025
- Financial risk: net debt $5.09 billion with $0.7 billion available under $1.5 billion Revolver credit facility at year-end 2025
AI summary of the EFX 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Forward-looking risks: interest rates, inflation, mortgage markets, economic conditions, technology, and data security
- Management expects benefits from acquisitions, artificial intelligence, pricing strategies, and product offerings
Risk Factors
- No material changes to risk factors disclosed in the 2025 Form 10-K
- Carried-forward regulatory, legal, operational, competitive, and market risks unchanged from the 2025 Form 10-K
- Revolver restrictions on dividends and repurchases if a default or event of default exists
- $1.5 billion available under the share repurchase program at June 30, 2026
AI summary of the EFX 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 8.01: Other Events
- $1.0B senior-notes issuance: $500M 5.000% due 2029 and $500M 5.650% due 2033
- Approximately $990.5M net proceeds earmarked to repay commercial-paper borrowings
Item 2.02: Results of Operations and Financial Condition
- Equifax reported results for the three months ended June 30, 2026
- Press release issued July 21, 2026 and furnished as Exhibit 99.1
Item EX-99.1: Item EX-99.1
- Q2 revenue $1.700B, up 11%; USIS led growth at 17%, while U.S. Mortgage increased 25%
- GAAP net income fell 4% to $183.9M, but adjusted EPS rose 13% to $2.25, supported by lower share count
Item 5.03: Amendments to Articles of Incorporation or Bylaws
- Special-meeting threshold set at 25% of voting power
- Eligibility limited to shareholders holding shares for at least one year
AI summaries of EFX 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for EFX
Don't miss the next EFX filing
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- Fund moves. Which tracked funds opened, added or cut EFX, by share count.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Larson Barbara A | A | Sep 30, 2026 | 209 | $137.24 |
| MARCUS ROBERT D | A | Sep 30, 2026 | 255 | $137.24 |
| GAMBLE JOHN W JR | Sell | Sep 3, 2026 | 4,500 | $187.96 |
| Larson Barbara A | A | Aug 10, 2026 | 160 | $180.07 |
| Larson Barbara A | A | Aug 10, 2026 | 181 | $158.72 |
| Begor Mark W | Sell | Jul 24, 2026 | 4,112 | $172.79 |
| Begor Mark W | Sell | Jul 24, 2026 | 2,936 | $173.79 |
| Begor Mark W | Sell | Jul 24, 2026 | 6,200 | $171.26 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $5.3B | $5.7B | $6.1B |
| Operating Income | $933.6M | $1.0B | $1.1B |
| Net Income | - | $604.1M | $660.3M |
| Op. Margin | 17.7% | 18.3% | 18.0% |
| Net Margin | - | 10.6% | 10.9% |
| Balance Sheet | |||
| Total Assets | $12.3B | $11.8B | $11.9B |
| Equity | $4.5B | $4.8B | $4.6B |
| ROE | - | 12.6% | 14.3% |
| Per Share | |||
| EPS | $4.40 | $4.84 | $5.32 |
| Cash Flow | |||
| Operating CF | $1.1B | $1.3B | $1.6B |
Source: XBRL data in Equifax (EFX)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate EFX share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 44 | $7.47B |
| Q1 2026 | 41 | $8.73B |
| Q4 2025 | 42 | $10.67B |
| Q3 2025 | 42 | $13.24B |
| Q2 2025 | 42 | $13.20B |
| Q1 2025 | 38 | $9.16B |
| Q4 2024 | 33 | $7.80B |
| Q3 2024 | 29 | $3.67B |
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Source: 13F-HR filings on SEC EDGAR (aggregated from 311 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
EFX filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Sep 8, 2026 | - | - | - |
| 4 | Aug 12, 2026 | - | - | - |
| 8-K | Jul 29, 2026 | - | Analysis | - |
| 4 | Jul 28, 2026 | - | - | - |
| 10-Q | Jul 21, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Jul 21, 2026 | - | Analysis | - |
| 4 | Jul 1, 2026 | - | - | - |
| 8-K | Jun 16, 2026 | - | Analysis | - |
| 8-K | May 13, 2026 | - | Analysis | |
| 4 | May 11, 2026 | - | - | |
| 4 | May 11, 2026 | - | - | |
| 4 | May 11, 2026 | - | - | |
| 4 | May 11, 2026 | - | - | |
| 4 | May 11, 2026 | - | - | |
| 4 | May 11, 2026 | - | - | |
| 4 | May 11, 2026 | - | - | |
| 4 | May 11, 2026 | - | - | |
| 4 | May 11, 2026 | - | - | |
| 4 | May 8, 2026 | - | - | |
| 4 | May 5, 2026 | - | - | - |
| SC 13G | Apr 29, 2026 | - | - | |
| 4 | Apr 28, 2026 | - | - | - |
| 8-K | Apr 24, 2026 | - | Analysis | - |
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EFX SEC filings: frequently asked questions
Are EFX insiders buying or selling?
In the last 90 days, Equifax (EFX) officers, directors and 10% owners reported no open-market purchases and 9 open-market sales worth $7.4 million by 2 insiders on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold EFX stock?
As of June 30, 2026, the largest Equifax (EFX) holders among the 13F filers tracked by SignalX were BlackRock ($1.5 billion), Vanguard Capital Management LLC ($1.2 billion), Vanguard Portfolio Management LLC ($832.1 million), State Street Corp ($825.3 million), Morgan Stanley ($525.5 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was EFX's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), Equifax (EFX) reported revenue of $6.1 billion (up 6.9% from FY2024) and net income of $660.3 million. Diluted EPS was $5.32. The figures come from the XBRL data in the 10-K.
What are the main risks in EFX's latest 10-K?
In the 10-K filed February 19, 2026, Equifax (EFX) flagged: Legal risk: accrual for settlement resolving four related class action lawsuits increased litigation expense in 2025. Geopolitical risk: foreign currency fluctuations reduced revenue by $21.7 million in 2025, mainly impacting Latin America and Asia Pacific segments. (AI summary of the Risk Factors section.)
What did EFX report in its latest 8-K?
Equifax (EFX) filed an 8-K on July 29, 2026 reporting Item 8.01 (Other Events). $1.0B senior-notes issuance: $500M 5.000% due 2029 and $500M 5.650% due 2033.
What are the latest EFX SEC filings?
Equifax (EFX) filed its latest 10-K annual report on February 19, 2026, a 10-Q quarterly report on July 21, 2026, an 8-K current report on July 29, 2026 and a Form 4 insider filing on October 2, 2026.
What is EFX's SEC CIK number?
Equifax (EFX)'s SEC Central Index Key (CIK) is 33185. EDGAR lists every EFX filing under that number.
Ask anything about EFX
The research agent reads EFX's filings, financials, insider trades and 13F holders, then answers with sources.