{"schema_version":"secwatch.filing_event.v1","accession":"0000033185-25-000061","form_type":"8-K","ticker":"EFX","cik":"0000033185","company_name":"EQUIFAX INC","filed_at":"2025-10-21T23:59:59+00:00","discovered_at":"2026-05-14T18:02:41.718785+00:00","generated_at":"2026-05-17T03:07:32.434502+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Equifax Q3 revenue $1.545B (+7% YoY), beats guidance, raises full-year outlook","bullets":["Q3 revenue $1.545B up 7% YoY, $25M above guidance midpoint; diluted EPS $1.29 (+14% YoY); adjusted EPS $2.04 (+10% YoY).","Workforce Solutions revenue $649.4M (+5%), USIS revenue $530.2M (+11%), International revenue $365.3M (+6% reported, +7% local currency).","Full-year 2025 revenue guidance raised by $40M; adjusted EPS guidance up $0.12; free cash flow guidance raised to $950M-$975M from $900M+.","Returned ~$360M to shareholders in Q3, including $300M in share buybacks (1.2M shares) under $3B repurchase program.","New Mortgage Scores pricing: VantageScore 4.0 at over 50% reduction vs. FICO; free Vantage 4.0 scores offered for remainder of 2025 and 2026."],"urls":{"canonical":"https://secwatch.observer/filing/0000033185-25-000061","json":"https://secwatch.observer/filing/0000033185-25-000061.json","markdown":"https://secwatch.observer/filing/0000033185-25-000061.md","text":"https://secwatch.observer/filing/0000033185-25-000061.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/33185/000003318525000061/0000033185-25-000061-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/33185/000003318525000061/efx-20251021.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T03:07:32.434502+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"}