{"schema_version":"secwatch.filing_event.v1","accession":"0000033185-22-000054","form_type":"8-K","ticker":"EFX","cik":"0000033185","company_name":"EQUIFAX INC","filed_at":"2022-10-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:53.158658+00:00","generated_at":"2026-06-23T02:46:33.235979+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Equifax Q3 revenue up 2% to $1.244B; Adj EPS $1.73, down 6% YoY; cuts FY adjusted EPS guidance to $7.54","bullets":["Q3 revenue $1.244B (+2% YoY); net income $165.7M (-19%); diluted EPS $1.34 (-19%).","Adjusted EPS $1.73 (-6% YoY); Adjusted EBITDA margin 32.5% vs 33.0% prior year.","Workforce Solutions revenue $558.9M (+9%) but operating margin down to 41.3%; USIS revenue -9% due to mortgage decline.","FY2022 revenue guidance maintained at $5.1B midpoint; adjusted EPS guidance cut to $7.54 per share (down ~$0.13).","Non-mortgage constant dollar revenue grew 20%; mortgage inquiries declined 41% in Q3, expected >50% decline in Q4."],"urls":{"canonical":"https://secwatch.observer/filing/0000033185-22-000054","json":"https://secwatch.observer/filing/0000033185-22-000054.json","markdown":"https://secwatch.observer/filing/0000033185-22-000054.md","text":"https://secwatch.observer/filing/0000033185-22-000054.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/33185/000003318522000054/0000033185-22-000054-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/33185/000003318522000054/efx-20221019.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T02:46:33.235979+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}