Equifax Inc (NYSE:EFX) Tops Q3 2025 Estimates and Raises Full-Year Guidance

Equifax Inc (NYSE:EFX) has reported financial results for the third quarter of 2025 that surpassed analyst expectations, a development that appears to be generating a positive initial response in pre-market trading. The credit reporting agency demonstrated resilience in a challenging market environment, delivering revenue and earnings that exceeded its own previous guidance and Wall Street estimates.

Earnings and Revenue Versus Estimates

The company's performance in the third quarter was marked by a clear beat on key financial metrics. The reported figures came in above the consensus estimates compiled by analysts prior to the release.

• Revenue: Equifax reported Q3 2025 revenue of $1.545 billion, which exceeded the analyst estimate of approximately $1.536 billion.
• Earnings Per Share (EPS): The non-GAAP earnings per share came in at $2.04, beating the estimated $1.95.

This outperformance was a key highlight, indicating stronger-than-anticipated operational execution during the quarter.

Market Reaction

The market's immediate reaction to the earnings beat has been positive. In pre-market trading, Equifax stock is up approximately 0.38%. This upward move suggests that investors are rewarding the company for exceeding expectations. This positive sentiment provides a contrast to the stock's recent performance, which has seen a decline of about 10% over the past month, potentially reflecting market concerns heading into the earnings report. The pre-market gain indicates the earnings release may have alleviated some of those concerns.

Press Release Summary and Outlook

According to the company's press release, the strong third-quarter results have prompted management to raise its full-year guidance. CEO Mark Begor attributed the performance to several key factors, including a 13% growth in U.S. Mortgage revenue, a 5% increase in revenue from the Workforce Solutions segment, and an 11% revenue jump in its U.S. Information Solutions (USIS) division. The company also highlighted the strength of its new product pipeline, with a Vitality Index of 16%.

The decision to raise full-year guidance is a significant positive signal. While specific numerical guidance from the company was not provided in the context, this upward revision generally indicates that management has greater confidence in its business trajectory for the remainder of the year. This can be viewed favorably against the backdrop of existing analyst estimates for the fourth quarter and full year 2025.

Looking Ahead

The raised guidance sets a positive tone as Equifax moves into the final quarter of the year. The company will be focused on maintaining the momentum in its core segments, particularly in navigating the headwinds it acknowledged in the U.S. Mortgage and Hiring markets. The ability of its New Product Innovation and non-mortgage verticals to continue driving growth will be critical to meeting the updated expectations.

For a detailed breakdown of historical earnings, future estimates, and analyst projections, you can review the data available on the Equifax earnings and estimates page.

Disclaimer: This article is for informational purposes only and does not constitute financial advice, a recommendation to buy or sell any security, or an offer to solicit any transaction. Investors should conduct their own research and consult with a qualified financial advisor before making any investment decisions.