{"schema_version":"secwatch.filing_event.v1","accession":"0000033185-23-000040","form_type":"8-K","ticker":"EFX","cik":"0000033185","company_name":"EQUIFAX INC","filed_at":"2023-10-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:31.640135+00:00","generated_at":"2026-06-09T22:04:51.987288+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 rev up 6% to $1.319B; cuts FY guidance on mortgage headwinds","bullets":["Revenue $1.319B (+6% reported, +7% local currency); Adjusted EPS $1.76 (+2% YoY).","Net income $162.2M, down 2%; Diluted EPS $1.31, down 2% YoY.","FY2023 guidance cut: revenue midpoint $5.256B, Adjusted EPS $6.67.","Expect full-year mortgage credit inquiries down ~34% (prior ~30%).","Closed Boa Vista Serviços acquisition (2nd largest Brazilian credit bureau); cloud savings $210M."],"urls":{"canonical":"https://secwatch.observer/filing/0000033185-23-000040","json":"https://secwatch.observer/filing/0000033185-23-000040.json","markdown":"https://secwatch.observer/filing/0000033185-23-000040.md","text":"https://secwatch.observer/filing/0000033185-23-000040.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/33185/000003318523000040/0000033185-23-000040-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/33185/000003318523000040/efx-20231018.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T22:04:51.987288+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":[{"claim_id":"e4ccfed0b20e28b33e97e9945d5adce5dee26303","claim":"EQUIFAX INC reported the quarter ended September 30, 2023 results: revenue $1,319.1 million, net income $162.2 million, EPS $1.31. Guidance lowered.","evidence_excerpt":"Mortgage Market ATLANTA, October 18, 2023 -- Equifax ® (NYSE: EFX) today announced financial results for the quarter ended September 30, 2023. • Third quarter 2023 revenue of $1.319 billion up 6% and up 6.5% in local currency against a weaker than expected mortgage market estimated to be down 29% based on Equifax mortgage credit inquiries and the strengthening U.S.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/33185/000003318523000040/0000033185-23-000040-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended September 30, 2023"},{"label":"Revenue","value":"$1,319.1 million"},{"label":"Net income","value":"$162.2 million"},{"label":"EPS","value":"$1.31"},{"label":"Guidance","value":"lowered"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}