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Equifax (EFX) Q3 2025 10-Q Quarterly Report

Filed: Oct 21, 2025Period ending Sep 30, 2025
Information Technology
Services-Consumer Credit Reporting, Collection AgenciesSEC EDGAR
Equifax Overview

Equifax (EFX) 10-Q quarterly report for Q3 2025, filed with SEC EDGAR on Oct 21, 2025 for the fiscal period ending Sep 30, 2025. This page provides AI-powered analysis including management discussion & analysis (MD&A), risk factor updates, and key quarterly financial data such as revenue and net income extracted from XBRL.

Equifax Q3 2025 10-Q Analysis

Management Discussion & Analysis

  • • Revenue $1,544.9M Q3 2025, up 7% YoY (+$103.1M); $4,523.9M nine months, up 6% YoY (+$262.2M)
  • • Operating margin flat at 17.1% Q3 YoY; increased 0.2 pts to 17.9% for nine months YoY
  • • Best segment: Workforce Solutions revenue $649.4M Q3 (+5%), margin 43.8% vs 43.2% YoY; worst segment: International margin down 0.3 pts to 11.7% nine months
  • • Operating cash flow $559.9M Q3, up $80.4M YoY; repurchased $300M shares Q3 2025, $427.4M YTD; capital expenditures $125.8M Q3, slightly up YoY
  • • Management expects US economic growth slower in 2025, mortgage activity below 2024; ongoing macro uncertainty noted as key risk factor

Risk Factors

  • • Cybersecurity breaches risk persists, with potential impact on consumer trust and regulatory scrutiny
  • • Economic downturn risks affecting credit demand and bad debt levels remain significant
  • • Regulatory compliance burden continues in multiple jurisdictions, including data privacy and consumer protection laws
  • • Competitive pressure from fintech innovations and alternative data providers remains high, impacting market share
  • • Exposure to credit risk and debt concentration in consumer lending portfolios remains a key financial risk

Equifax Q3 2025 Quarterly Financials
XBRL

Revenue

$1.5B

▲ +7.2% YoY▲ +0.5% QoQ

Net Income

$160M

▲ +13.3% YoY▼ -16.2% QoQ

Operating Margin

17.1%

▼ -3bp YoY▼ -312bp QoQ

Net Margin

10.4%

▲ +56bp YoY▼ -207bp QoQ

ROE

3.2%

Total Assets

$11.8B

EPS (Diluted)

$1.30

▲ +15.0% YoY▼ -15.0% QoQ

Operating Cash Flow

$560M

▲ +16.8% YoY▲ +55.1% QoQ

Source: XBRL data from Equifax Q3 2025 10-Q filing on SEC EDGAR. All figures in USD.

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