Short answer
Equifax (EFX) filed its Q3 2025 10-Q quarterly report on Oct 21, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $1.5B (up 7.2% year over year) with net income of $160M.
Q3 2025 key financials · XBRL
- Revenue
- $1.5B
- +7.2% YoY · +0.5% QoQ
- Net income
- $160M
- +13.3% YoY · −16.2% QoQ
- Operating margin
- 17.1%
- EPS (diluted)
- $1.30
- +15.0% YoY · −15.0% QoQ
Source: XBRL data from the Equifax (EFX) Q3 2025 10-Q on SEC EDGAR. USD.
Equifax Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
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
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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