Equifax (EFX) AI Stock Analysis

Company Guidance

For 2026, Equifax expects committed diversified markets revenue growth of high single digit percent year-to-year, total revenue of $6.661 billion at the midpoint, adjusted EBITDA of $2.125 billion at the midpoint, adjusted EPS of $8.50 per share, EBITDA margin ex FICO mortgage royalty up 100 basis points versus 2025, over $1 billion of free cash flow, cash flow conversion of at least 100%, and $1.5 billion in capital available; EWS revenue growth is expected to be up mid-single-digit percent, with diversified markets revenue up high single digits and Verifier diversified revenue up low double digits, while USIS revenue is expected to grow mid teens percentage at the very bottom end of the range, with mid single digit diversified markets revenue growth and EBITDA margins ex FICO mortgage royalties over 40% and up strongly. For 4Q 2026, total revenue is expected to be between $1.605 billion and $1.635 billion, diversified markets revenue up 6% to 7%, EBITDA of $529 million to $546 million, EBITDA margins ex FICO mortgage royalties up about 90 basis points, and EPS of $2.07 to $2.17 per share; U. S. Mortgage revenue is expected to be down mid single digits percent year-to-year and down mid double digit percent year-to-year excluding FICO mortgage royalty related revenue. Using current mortgage market transaction levels, 2027 mortgage market transactions are expected to be down on average high single digit percentage versus 2026, principally over the first 8 months of the year, while the long term framework calls for organic revenue growth of 7% to 10%, at least 50 basis points of margin expansion, BU revenue growth of low double digits in EWS, 6% to 8% in USIS, and 7% to 9% in international.