secwatch.observer — SEC 8-K summary
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Issuer:     EQUIFAX INC (EFX)
CIK:        0000033185
Form:       8-K
Filed at:   2025-10-21T23:59:59+00:00
Accession:  0000033185-25-000061
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Equifax Q3 revenue $1.545B (+7% YoY), beats guidance, raises full-year outlook
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- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/33185/000003318525000061/0000033185-25-000061-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/33185/000003318525000061/efx-20251021.htm
  HTML page:      https://secwatch.observer/filing/0000033185-25-000061

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer