Equifax Inc. (EFX)

In the past six months, Equifax's stock price has experienced notable movements. In Q2 2025, Equifax reported strong results, but the stock initially fell due to the outlook falling short of analyst expectations. FICO's announcement of a new program to license its mortgage credit scores directly to lenders caused Equifax's stock to decline. In Q3 2025, Equifax delivered strong results and raised its full-year guidance, but the stock initially declined slightly before drifting higher. Overall, the stock has seen a -10.68% change over the past six months.

Demand for Equifax's products and services is influenced by several factors. The demand for mortgage-related services is sensitive to interest rate cycles. Revenue in the Workforce Solutions segment can experience weakness due to a weaker hiring market. Deteriorations in overall economic conditions can lead to a decline in demand for Equifax's products and services. Equifax expects its non-mortgage business to continue growing.

Equifax, Inc. is a global data, analytics, and technology company operating in the Commercial Services sector and the Financial Publishing/Services industry. It provides information solutions and human resources business-process outsourcing services to businesses, governments, and consumers. Equifax operates through three primary business segments: U.S. Information Solutions (USIS), Workforce Solutions, and International. Major products and services include credit reports and scores, identity protection tools, fraud prevention, and automated verification of income and employment. The company leverages its cloud capabilities and EFX.AI for new product innovation.

Equifax has a significant global presence, operating in over 24 countries across four main regions: North America (U.S. and Canada), Asia Pacific (Australia, New Zealand, and India), Europe (United Kingdom, Spain, and Portugal), and Latin America (Argentina, Chile, Costa Rica, Ecuador, El Salvador, Honduras, Mexico, Paraguay, Peru, and Uruguay). The company also has investments in joint ventures in Brazil, Cambodia, Malaysia, and Singapore.

Equifax's brand reputation has been significantly impacted by the 2017 cybersecurity incident. Equifax introduced a new pricing structure for its Mortgage Scores, aiming to challenge FICO's dominance. The launch of Equifax Ignite® AI Advisor showcases Equifax's commitment to innovation. The introduction of a Quarterly Market Pulse Index demonstrates Equifax's role in offering valuable market intelligence. A survey by Equifax Canada revealed that one in three Canadians were targeted by scam texts, highlighting the ongoing challenges in identity protection.

Equifax's ownership is predominantly institutional, with approximately 96.10% to 96.20% of the stock held by institutional investors. Major institutional shareholders include Vanguard Group Inc., Capital International Investors and BlackRock, Inc.. Insider ownership is relatively low, ranging from 1.40% to 2.73%. Public companies and individual investors collectively own a significant portion, with retail investors specifically holding around 38.80% of the stock.