Equifax Q3 Revenue Up 10% to $1.69B; FY26 Revenue Guidance Trimmed on Weak Mortgage Market
EFX sits 16% above its 52-week low of $137.01.
Summary
Equifax grew Q3 revenue 10% to $1.69B and adjusted EPS 11% to $2.26, but trimmed FY26 revenue guidance to a $6.661B midpoint as the U.S. mortgage market weakened; adjusted EPS guidance barely moved, down $0.04 at the midpoint.
Key Events · Earnings and Guidance · EFX
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Q3 Revenue Grows 10% to $1.69B
Reported revenue of $1,692.5M rose 10% (9% local currency) on broad-based Diversified Markets growth of 8%; U.S. Mortgage revenue rose 15% and USIS Mortgage 28% despite the weaker market.
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Adjusted EPS Up 11% to $2.26
Net income attributable to Equifax was $211.7M, up 32%, and diluted EPS $1.79, up 39%; adjusted EBITDA margin expanded to 33.1% from 32.7%.
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FY26 Revenue Guidance Cut on Mortgage Weakness
Full-year revenue guidance midpoint lowered to $6.661B ($6.646B-$6.676B) as the weaker U.S. mortgage market is expected to persist through 2026; adjusted EPS guidance of $8.45-$8.55 is down only $0.04 at the midpoint.
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$158M Returned to Shareholders
Repurchased 0.5M shares for $92M and paid $66M in quarterly dividends during the quarter, funded by free cash flow.
Analysis · EFX · Trade & Services
Top-line growth of 10% and adjusted EPS growth of 11% beat expectations, but management cut full-year revenue guidance to a $6.661B midpoint because the U.S. mortgage market weakened sharply in the back half of the quarter. Cost control offsets the cut: adjusted EPS guidance slips only $0.04 at the midpoint to $8.45-$8.55, and adjusted EBITDA margin actually expanded to 33.1% from 32.7%. How long mortgage volumes stay depressed is now the key debate, since mortgage is the swing factor between the Diversified Markets growth story and the guidance cut.
How filings like this one have moved
In the 30 days to Oct 20, 2026, 29.2% of the 1466 measured filings Wiseek scored 7 moved their stock by 5% or more by the next session's close. The median move was -0.57%. These are measured outcomes after filings of this importance, not a forecast for this one.
Measured one observation per ticker per day, after exclusions. Current figures: Filing Impact Tracker · open dataset
At the time of this filing, EFX was trading at $158.57 on NYSE in the Trade & Services sector, with a market capitalization of approximately $18.6B. The 52-week trading range was $137.01 to $238.94. This filing was assessed with neutral market sentiment and an importance score of 7 out of 10.