Equifax (EFX) Earnings: Q3 2026 Results

The quarter ended September 30, 2026 and Equifax published the results on October 20, 2026. Revenue and diluted EPS are shown against Q3 2025, the same quarter a year earlier, which takes seasonal swings out of the comparison. Equifax reports EPS two ways: GAAP, under the accounting rules every US filer follows, and Adjusted EPS, which leaves out items the company considers outside its operating results. The release reconciles the two, and when they diverge, the reconciliation says why.

• Equifax reports three segments: Workforce Solutions, U.S. Information Solutions (USIS) and International. It also reports revenue from U.S. mortgage customers separately from all other verticals, which it calls Diversified Markets.
• Equifax signed an agreement in July 2026 to acquire Círculo de Crédito for an enterprise value of $750 million. Equifax expects the deal to close in the fourth quarter of 2026, so it is not in these Q3 figures.

Source: Equifax Q3 2026 results, October 20, 2026. Also in the Form 10-Q for the quarter ended September 30, 2026. Figures as reported; checked against the release on November 10, 2026.

How Equifax splits revenue in its own release, under its own labels, for Q3 2026 against Q3 2025. Indented lines are parts of the line above them.

• Equifax's Workforce Solutions revenue was $694 million in Q3 2026, up 7% from $649 million in Q3 2025, 41% of total revenue.
• Equifax's U.S. Information Solutions revenue was $599 million in Q3 2026, up 13% from $530 million in Q3 2025, 35% of total revenue.
• Equifax's International revenue was $400 million in Q3 2026, up 9% from $365 million in Q3 2025, 24% of total revenue.

Segment lines are the figures writers cite most often, because they show where the growth in a quarter came from. Companies redraw their segments from time to time and restate the prior year to match, so a year-ago figure here can differ from the one printed a year ago. When that has happened, the note above says so.

From the earnings release

In its Q3 2026 release, Equifax said:

“As we look to the remainder of 2026, we are maintaining our Diversified Markets revenue guidance for revenue growth of high single-digit percent.”

“However, we expect the much weaker U.S. mortgage market that we saw in the latter half of the third quarter to continue through the remainder of 2026. As a result, we are reducing our full year 2026 revenue guidance at the midpoint to $6.661 billion, reflecting this reduction in our U.S. Mortgage related revenue.”

“Despite the impact of the significantly weakened U.S. mortgage market on the second half of 2026 revenue, we expect to deliver 2026 Adjusted EPS Guidance of $8.50 per share, a reduction of only $0.04 per share at the midpoint and well within our previous Guidance range.”

Source: Equifax Q3 2026 release, Oct 20, 2026.

This is the company's own guidance as of Oct 20, 2026, quoted as given. Walnut does not make forecasts of its own. Analyst estimates for the coming quarters are on the EFX forecast page.

Revenue and diluted EPS for the last 5 quarters. Each date links to that quarter's release.

Operating revenue and GAAP diluted EPS attributable to Equifax, each as first reported in that quarter's earnings release.

We do not hold a confirmed date for Equifax's next report. Companies post the date on their investor relations site a few weeks ahead, usually with the time of the conference call.

Each quarter keeps its own page with the figures as reported, so a link to one stays pointed at the same numbers after the next report.

• Q3 2026 (this page), reported Oct 20, 2026

Equifax had operating revenue of $1,692.5 million in Q3 2026, up 10% on a reported basis and 9% in local currency. Workforce Solutions brought in $693.9 million, U.S. Information Solutions (USIS) $599.1 million and International $399.5 million. Workforce Solutions was the largest segment in 2025, with 43% of total operating revenue. (Equifax Q3 2026 release, Oct 20, 2026; Equifax Form 10-K, 2025, Feb 19, 2026)

Inside Workforce Solutions, Verification Services revenue rose 9% to $603.2 million. Equifax attributes the increase to its talent solutions, consumer lending and government verticals, while revenue from the mortgage vertical was flat in the quarter. Employer Services fell 5% to $90.7 million because of lower revenue from Work Opportunity Tax Credit services. Verification runs on The Work Number, which held about 209 million active and 813 million total employment records at December 31, 2025, built from payroll data from over 4 million organizations. (Equifax Q3 2026 release, Oct 20, 2026; Equifax Form 10-Q, Q3 2026, Oct 20, 2026; Equifax Form 10-K, 2025, Feb 19, 2026)

USIS revenue rose 13% to $599.1 million. Online Information Solutions, which sells consumer and commercial credit reports and scores, identity and fraud products, grew 13% to $529.7 million, and Equifax said the main driver was mortgage related services, primarily product pricing. USIS mortgage revenue was up 28%. Financial Marketing Services grew 11% to $69.4 million on credit marketing services. (Equifax Q3 2026 release, Oct 20, 2026; Equifax Form 10-Q, Q3 2026, Oct 20, 2026)

International revenue rose 9% to $399.5 million, or 7% in local currency. Asia Pacific grew 20% to $107.7 million (12% in local currency) and Latin America 12% to $114.1 million (8% in local currency), while Europe was $105.5 million and Canada $72.2 million. (Equifax Q3 2026 release, Oct 20, 2026)

Equifax's revenue is spread across many customers: its largest client provided about 3% of total revenue in its 2025 fiscal year, and the U.S. accounted for 77% of 2025 revenue. Equifax says any change in the U.S. mortgage market affects revenue and operating profit in both Workforce Solutions and USIS. (Equifax Form 10-K, 2025, Feb 19, 2026; Equifax Form 10-Q, Q3 2026, Oct 20, 2026)

Equifax's GAAP diluted EPS was $1.79 in Q3 2026, up from $1.29, and its adjusted EPS was $2.26, up from $2.04. The largest item between the two is acquisition-related amortization of acquired intangibles, $59.9 million in the quarter ($48.0 million after tax). Equifax also excluded $8.9 million of acquisition-related integration costs. A year earlier, the gap was wider because GAAP results carried $43.9 million of realignment of resources and other costs. (Equifax Q3 2026 release, Oct 20, 2026)

Equifax's effective income tax rate was 28.1% in the quarter, up from 25.0% a year earlier. Diluted weighted average shares fell to 118.1 million from 124.1 million. Equifax repurchased 532,391 shares for $92.0 million in the quarter and 3,640,019 shares for $652.0 million in the first nine months of 2026, and had about $1.4 billion left under its repurchase authorization at September 30, 2026. The quarterly dividend rose to $0.56 per share from $0.50. (Equifax Form 10-Q, Q3 2026, Oct 20, 2026; Equifax Q3 2026 release, Oct 20, 2026)

Diluted EPS divides net income by the weighted average number of shares outstanding in the quarter, plus the shares that options and other equity awards could add. Buybacks shrink that count and lift EPS for the same profit; share issuance and stock awards enlarge it.

Equifax publishes a guidance table in each release. For Q4 2026 it guided reported revenue of $1.605 billion to $1.635 billion, growth of 3.5% to 5.4%, and adjusted EPS of $2.07 to $2.17. For full year 2026 it guided revenue of $6.646 billion to $6.676 billion and adjusted EPS of $8.45 to $8.55. (Equifax Q3 2026 release, Oct 20, 2026)

Equifax lowered the midpoint of its full year revenue guidance to $6.661 billion because it expects the weaker U.S. mortgage market it saw late in Q3 to continue through the rest of 2026. It kept its Diversified Markets growth guidance at high single digits, and its adjusted EPS midpoint of $8.50 was $0.04 below the previous midpoint. (Equifax Q3 2026 release, Oct 20, 2026)

A consensus figure is the average of the models published by the analysts who cover Equifax, collected by a data provider and revised up to the day of the report. A quarter that lands above it says how expectations were set as much as how the business did, and the share price on the day also reflects the guidance and the lines no consensus covers.

The consensus figures on this page are Yahoo Finance's, as pulled on the date shown. Each comes with the number of analysts behind it; the smaller that number, the more one revised estimate can move the average.

The figures below are the ones Equifax's own release and filings put weight on for Q3 2026, with the latest reported value for each.

What the quarter means for a holding is a separate question from what it reported. The case for and against owning EFX is on is EFX a buy or a sell?, what analysts expect next is on the EFX forecast, and what the company does is on the Equifax (EFX) stock page.

Every number on this page can be traced to a document Equifax published. Checking one takes a couple of minutes, and it is worth doing before you quote a figure anywhere.

• The results release is the document linked in the source line above. Companies publish it on their investor relations site at the moment results go out, and it carries the headline tables: revenue, operating income, net income and EPS for the quarter and the year-ago quarter.
• The same release is filed with the SEC as Exhibit 99.1 to a Form 8-K under Item 2.02, usually on the day of the report. The SEC copy does not change after the fact, which makes it the safer thing to link when you cite a number.
• The quarterly report (Form 10-Q) follows within a few weeks and carries the full financial statements, the segment note and management's discussion of what changed. The fourth quarter is covered by the annual report (Form 10-K) instead.
• Restated comparisons are flagged in the notes on this page. When a company redraws its segments or changes how it adjusts EPS, it restates the year-ago column, so the year-ago figure in a new release can differ from the one printed a year ago. This page always uses the comparison in the newer release, because that is the like-for-like one.

A walk-through of every line in a release, with what each one tells you, is in how to read an earnings report.