EFX Equifax
Q3 2025 10-Q
Filed: Oct 21, 2025Period ending Sep 30, 2025
Information Technology
Services-Consumer Credit Reporting, Collection AgenciesSEC EDGAR 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.
AI Filing AnalysisQ3 2025 10-Q
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
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
Quarterly Financial SummaryXBRL
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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