One of the world's largest credit bureaus, Equifax collects consumer credit and identity data that lenders, landlords, and employers rely on—including The Work Number for employment and income verification, plus mortgage credit reports. It was born in 1899 in Atlanta as the Retail Credit Company, when two brothers published a merchant's guide rating shoppers as "Prompt," "Slow," or "Requires Cash." The name Equifax, adopted in 1975, blends "equitable" and "factual."
Equifax prices $1.0B senior notes offering to repay commercial paper
Equifax Inc. issued $500 million of 5.000% Senior Notes due 2029 and $500 million of 5.650% Senior Notes due 2033.
Show detailsHide details
The notes were sold under an underwriting agreement dated July 22, 2026, with J.P. Morgan, BofA Securities, Truist Securities, and Wells Fargo Securities as representatives.
Interest on both notes accrues from July 29, 2026, payable semi-annually on February 15 and August 15, beginning February 15, 2027.
The 2029 Notes mature on August 15, 2029; the 2033 Notes mature on August 15, 2033, with optional redemption provisions.
Net proceeds of approximately $990.5 million will be used to repay borrowings under Equifax's commercial paper program.
8.01 Other Events · 9.01 Financial Statements and Exhibits
Equifax Q2 2026 revenue up 11% to $1.700B; signs deal to acquire Círculo de Crédito
Second quarter 2026 reported revenue was $1.700 billion, up 11% (10% local currency) from Q2 2025.
Show detailsHide details
Net income attributable to Equifax was $183.9 million, down 4% year-over-year; diluted EPS was $1.54, up 1%.
Adjusted EPS was $2.25, up 13%; adjusted EBITDA margin was 32.5%, flat year-over-year.
Equifax signed a definitive agreement to acquire Círculo de Crédito, a Mexican credit bureau, for $750 million enterprise value, expected to close in Q4 2026.
Company doubled its 2026-2028 AI-driven cost reduction target to $150 million and returned $366 million to shareholders in Q2.
2.02 Results of Operations and Financial Condition · 9.01 Financial Statements and Exhibits
Equifax amends bylaws to require 25% ownership for shareholder special meetings
On June 16, 2026, Equifax Inc.'s Board of Directors approved amendments to the company's Amended and Restated Bylaws, effective immediately.
Show detailsHide details
The amendments raise the threshold for shareholders to request a special meeting to at least 25% of voting power of outstanding shares, held for at least one year as of the request date.
The revised special meeting request process is subject to procedural requirements detailed in the amendments.
The amendments also include ministerial clarifications and updates.
The full amended bylaws are filed as Exhibit 3.1 to the Form 8-K.
5.03 Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year · 9.01 Financial Statements and Exhibits
Equifax amends credit agreement, increasing revolving facility to $2 billion
On April 23, 2026, Equifax Inc. and certain subsidiaries entered into a Fourth Amendment to its existing Credit Agreement.
Show detailsHide details
The amendment increases the unsecured revolving credit facility commitments from $1.5 billion to $2 billion.
Swingline loan availability is increased from $150 million to $200 million, and the 10 basis point credit spread adjustment on Term SOFR borrowings is removed.
The termination date for $1.9 billion of the commitments is extended by one year to August 25, 2029; the remaining $100 million matures August 25, 2028.
The amendment was filed as Exhibit 10.1 to the Form 8-K.
1.01 Entry into a Material Definitive Agreement · 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement · 9.01 Financial Statements and Exhibits
Equifax Q3 2025 revenue $1.545B, up 7%, raises full-year guidance
Third quarter 2025 revenue was $1,544.9 million, up 7% on a reported and local currency basis compared to Q3 2024.
Show detailsHide details
Net income attributable to Equifax was $160.2 million, up 13% from $141.3 million in Q3 2024; diluted EPS was $1.29, up 14% from $1.13.
Adjusted EPS was $2.04, up 10% from Q3 2024; adjusted EBITDA margin was 32.7%, flat year-over-year.
Full-year 2025 guidance raised: reported revenue midpoint increased by $40 million to $6.030-$6.060 billion, and adjusted EPS increased by $0.12 to $7.55-$7.65 per share.
Free cash flow guidance increased from $900+ million to $950-$975 million for 2025.
2.02 Results of Operations and Financial Condition · 9.01 Financial Statements and Exhibits