Equifax (EFX): financials, SEC filings and peers
Equifax (EFX) is a research & consulting services company in the Industrials sector of the S&P 500, headquartered in Atlanta, Georgia.
It was founded in 1899 and joined the S&P 500 on June 19, 1997.
Its fiscal year ends in December, and its shares trade on the NYSE.
In its SEC filings it is classified as “Services-Consumer Credit Reporting, Collection Agencies”.
Equifax at a glance
- Revenue (12 months)
- $6.6B
- Revenue growth
- +10.9%
- Operating margin
- 18.8%
- Net income (12 months)
- $743M
- Free cash flow (12 months)
- $1.1B
- Cash
- $193M
- Debt
- $5.2B
- Diluted EPS (12 months)
- $6.18
Twelve months to September 30, 2026, from the 10-Q filed October 20, 2026.
Latest twelve months
Over the twelve months to September 30, 2026, Equifax reported revenue of $6.6 billion, up 10.9% from a year earlier.
Its operating margin was 18.8%: for every $100 of sales, about $19 was left as operating profit.
Net income was $743 million (11.3% of revenue), 12.8% higher than a year earlier.
Operating cash flow was $1.6 billion and capital spending $509 million, leaving free cash flow of $1.1 billion (16.7% of revenue).
At the end of the period it held $193 million in cash and $5.2 billion in debt, a net debt position of $5.0 billion.
The diluted share count fell 4.8% in a year, typically the result of buybacks.
Five-year trend
- Revenue went from $4.1 billion in fiscal 2020 to $6.1 billion in fiscal 2025, about 8.0% a year.
- Revenue has grown for 5 fiscal years in a row.
- Operating margin has been steady, around 18.0%.
- Free cash flow was positive in each of the last 6 fiscal years.
| Fiscal year | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $4.9B | $5.1B | $5.3B | $5.7B | $6.1B |
| Revenue growth | 19.3% | 4.0% | 2.8% | 7.9% | 6.9% |
| Operating margin | 23.1% | 20.6% | 17.7% | 18.3% | 18.0% |
| Net income | $744M | $696M | $545M | $604M | $660M |
| Free cash flow | $866M | $133M | $516M | $813M | $1.1B |
| Diluted EPS | $6.02 | $5.65 | $4.40 | $4.84 | $5.32 |
Fiscal years as reported in Equifax’s 10-K filings. Free cash flow is operating cash flow minus capital spending.
Recent SEC filings
- 10-Q filed October 20, 2026 — quarterly report
- 8-K filed October 20, 2026 — Earnings results
- 8-K filed July 29, 2026 — Other event
- 10-Q filed July 21, 2026 — quarterly report
- 8-K filed July 21, 2026 — Earnings results
- 8-K filed June 16, 2026 — Bylaw or fiscal-year change
- 8-K filed May 13, 2026 — Shareholder vote results
- 8-K filed April 24, 2026 — Material agreement; New debt obligation
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Questions about Equifax
Is Equifax's revenue growing?
Yes. Revenue for the twelve months to September 30, 2026 was $6.6 billion, up 10.9% from a year earlier, according to its SEC filings.
Is Equifax profitable?
Yes. It earned $743 million in net income over the twelve months to September 30, 2026, a net margin of 11.3%.
Does Equifax have more cash or more debt?
At September 30, 2026 it had $193 million in cash and $5.2 billion in debt, so more debt than cash.
When did Equifax last file financial results?
Its latest quarterly report (10-Q) was filed with the SEC on October 20, 2026.
Which companies are similar to Equifax?
In the S&P 500, Equifax is grouped in Research & Consulting Services within the Industrials sector. Verisk Analytics (VRSK) are in the same group.
Understand the numbers
Source: Equifax’s filings with the U.S. Securities and Exchange Commission (EDGAR), retrieved November 10, 2026. Figures are as reported by the company and may be restated. This page is for information only and is not financial advice.