Equifax Inc. · EFX · Next earnings

Equifax Inc. reports Wednesday, Feb 3, 2027

EFX reports before market open with consensus EPS at $2.15 and revenue at $1.63B. Last quarter: Equifax raises margin outlook as mortgage revenue guidance falls

Reports Before market open90 days awayDate estimated Industrials

What the street expects

Consensus for the coming report
Consensus EPS $2.15 Calendar consensus
Consensus revenue $1.63B Calendar consensus
Report date Feb 3, 2027 Wednesday, date estimated
Session Before market open 90 days away

Where EFX left off: FY2026 Q3

Full report

Equifax raises margin outlook as mortgage revenue guidance falls

EPS surprise +2.7% Reported $2.26 vs $2.20
Revenue surprise +0.3% Reported $1.69B vs $1.69B
Stock move +11.3% Event window
Subsequent drift 0.0% Up to 20 sessions

Management lowered FY 2026 mortgage revenue guidance by about $80 million while raising full-year EBITDA margin guidance by 100 basis points.

What to watch on the call

Carried forward from the last transcript

Risks management flagged

  • Higher rates and weaker transaction volumes could further pressure mortgage revenue.
  • A potential FHFA shift from tri-merge to bi-merge reporting could affect revenue and product adoption.
  • Competitive pressure and a hiring slowdown could weigh on credit, talent, and employer-services growth.
  • Execution risk remains around AI-enabled products, VantageScore adoption, and the Círculo Credito acquisition.

Questions analysts left open

  • The mortgage outlook remains pressured by higher rates and lower transaction volume.
  • Investors may focus on whether AI productivity gains can support margins through 2027.
  • VantageScore adoption, Twin Indicator uptake, and the potential impact of an FHFA bi-merge decision remain important execution and market-share questions.

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Recent EFX quarters

All EFX earnings
+11.3%FY2026 Q3-3.9%FY2026 Q2-3.0%FY2026 Q1+3.4%FY2025 Q4

Sources

  1. FN2 corporate events calendar, resolved from the earnings calendar feed
  2. FN2 earnings calendar analyst consensus
  3. Earnings call transcript analysis, FY2026 Q3

Methodology

The report date comes from FN2's resolved corporate-events calendar and is marked estimated until the company confirms it. Consensus figures are the calendar's latest analyst estimates for the fiscal period and are not an FN2 forecast.

Risks and open questions are carried forward verbatim from FN2's structured analysis of the previous earnings call. Missing values stay missing and are never estimated.

By FN2 Research · Updated . For educational purposes only; not investment advice.