Data Analytics, Credit Reporting, and Business Information Services
Strategic Profile
The company is steering revenue toward cloud and AI products, with 90% revenue on the new Equifax Cloud supporting new product launches and efficiency gains. The company achieved robust innovation in 2025 with a record 15% Vitality Index and over 185 new product launches driven by AI and cloud investments. 2026 revenue guidance midpoint is $6.72B, up 10.6% year-over-year with adjusted EPS guidance up 11% and adjusted EBITDA guidance of $2.12B with margin expansion.
Cyborg Score Rationale
Free cash flow reached $1.13B in 2025, up nearly 40% year-over-year with 120% cash conversion. The firm's revenue for the quarter was up 9.3% compared to the same quarter last year with net margin of 10.87%. Cloud migration completed with strong product innovation momentum, though stock trading below analyst targets indicates market caution on valuation.
Top Insights
Free cash flow jumped 40% year-over-year to $1.13B with 120% cash conversion in 2025
Record 185 new product launches in 2025 with 15% Vitality Index driven by AI and cloud investments
Returned $1.2B to shareholders in 2025 through share repurchases and dividends
Debt leverage improved to ~2.5x by year-end 2025
Named Competitors
TransUnion — Credit reporting and consumer credit solutions
Experian — Global credit reporting and decisioning technology
FICO — Credit scoring and predictive analytics
ADP — Workforce management and HR analytics
Recent Developments
(February 2026) Updated FY 2026 earnings guidance to $6.7B-$6.8B revenue and $8.30-$8.70 EPS
(February 2026) Q4 2025 revenue of $1.551B, up 9% year-over-year with strong workforce and USIS mortgage performance
(December 2025) Launched Income Qualify product delivering income and employment insights from The Work Number
(January 2026) Announced new behavioral insights to detect credit washing and loan stacking for confident lending decisions
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