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Reporting soon: earnings call Tuesday, Oct 20
A pre-earnings brief is ready for EFX: the setup, what peers and partners said this season, and which analysts to watch.Reading it is a Tellvest Pro feature.
Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions.
| Analyst | Firm | Questions · challengingPercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Jeff Meuler | Robert W. Baird | 13 questions · 0% challenging |
| Kelsey Zhu | Autonomous Research | 13 questions · 0% challenging |
| Manav Patnaik | Barclays | 12 questions · 0% challenging |
| Andrew Steinerman | JPMorgan | 12 questions · 0% challenging |
| Scott Wurtzel | Wolfe Research | 12 questions · 0% challenging |
| Toni Kaplan | Morgan Stanley | 12 questions · 8% challenging |
| Simon Clinch | Redburn Atlantic | 11 questions · 0% challenging |
| Jason Haas | Wells Fargo | 11 questions · 9% challenging |
| Kevin McVeigh | UBS | 11 questions · 0% challenging |
| Faiza Alwy | Deutsche Bank | 11 questions · 0% challenging |
| Firm | Analysts | Questions · challengingPercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Robert W. Baird | 1 analyst | 13 questions · 0% challenging |
| Autonomous Research | 1 analyst | 13 questions · 0% challenging |
| Barclays | 1 analyst | 12 questions · 0% challenging |
| JPMorgan | 1 analyst | 12 questions · 0% challenging |
| Wolfe Research | 1 analyst | 12 questions · 0% challenging |
| Morgan Stanley | 1 analyst | 12 questions · 8% challenging |
| Deutsche Bank | 1 analyst | 11 questions · 0% challenging |
| Redburn Atlantic | 1 analyst | 11 questions · 0% challenging |
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Equifax delivered exceptional 14% revenue growth and 34% EPS growth in Q1 2026, with a record vitality index of 17% and over 240 lenders testing VantageScore. EBITDA margins expanded meaningfully ex-FICO pricing, and the business showed broad-based strength. Despite the strong Q1, management maintained FY2026 guidance with only a mechanical FX adjustment of approximately $25M in revenue and $0.04 in EPS.
Credit | Cloud & AI | Innovation & R&D | Competitive Dynamics | Guidance Reliability | Demand | Revenue Growth | Regulation Policy | |
|---|---|---|---|---|---|---|---|---|
| 2024Q4 | 17 | 14 | 11 | 2 | 5 | 7 | 7 | 2 |
| 2025Q1 | 16 | 11 | 9 | 1 | 12 | 4 | 5 | 2 |
| 2025Q2 | 9 | 15 | 8 | 6 | 5 | 13 | 2 | 5 |
| 2025Q3 | 16 | 17 | 8 | 14 | 7 | 2 | 2 | 4 |
| 2025Q4 | 12 | 14 | 1 | 14 | 7 | 5 | 1 | 3 |
| 2026Q1 | 19 | 17 | 11 | 9 | 4 | 3 | 5 | 4 |
| '24Q4 | '25Q1 | '25Q2 | '25Q3 | '25Q4 | '26Q1 | |
|---|---|---|---|---|---|---|
| Credit | 17 | 16 | 9 | 16 | 12 | 19 |
| Cloud & AI | 14 | 11 | 15 | 17 | 14 | 17 |
| Innovation & R&D | 11 | 9 | 8 | 8 | 1 | 11 |
| Competitive Dynamics | 2 | 1 | 6 | 14 | 14 | 9 |
| Guidance Reliability | 5 | 12 | 5 | 7 | 7 | 4 |
| Demand | 7 | 4 | 13 | 2 | 5 | 3 |
| Revenue Growth | 7 | 5 | 2 | 2 | 1 | 5 |
| Regulation Policy | 2 | 2 | 5 | 4 | 3 | 4 |
Calendar quarter Q1 2026Earnings call Apr 21, 2026
FY2026 Q1 in brief
Equifax delivered exceptional 14% revenue growth and 34% EPS growth in Q1 2026, with a record vitality index of 17% and over 240 lenders testing VantageScore.
Newest quarter FY2026 Q2 is part of Pro · see what Pro adds →
GAAP revenue YoY +14.3% → base 7. The base score is anchored to the GAAP revenue YoY band before transcript, EPS, and guidance adjustments.
Sources. Tellvest earnings-call sentiment score for Equifax (EFX), FY2026 Q1: 8/10. Scores: Equifax’s public earnings-call transcripts and SEC-reported results — the base band is anchored to reported GAAP revenue growth; transcript, EPS and guidance adjustments are applied separately (documented exceptions apply to a few issuers). Price: EFX daily closing prices for the trailing year; dots mark earnings calls, colored by that quarter’s score; the newest quarter’s score is part of Tellvest Pro. How to read a company earnings-call score.
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| Quarter | Revenue | Rev YoY | EPS | EPS YoY | Op margin | Net margin | FCF |
|---|---|---|---|---|---|---|---|
| FY2024 Q4 | $1.42B | +7.0% | $1.39 | +31.1% | 20.3% | 12.3% | $206M |
| FY2025 Q1 | $1.44B | +3.8% | $1.06 | +6.0% | 16.4% | 9.2% | $117M |
| FY2025 Q2 | $1.54B | +7.4% | $1.53 | +16.8% | 20.2% | 12.4% | $239M |
| FY2025 Q3 | $1.54B | +7.2% | $1.29 | +14.2% | 17.1% | 10.4% | $438M |
| FY2025 Q4 | $1.55B | +9.2% | $1.44 | +3.6% | 18.3% | 11.3% | $341M |
| FY2026 Q1Selected | $1.65B | +14.3% | $1.42 | +34.0% | 17.4% | 10.4% | $122M |
| FY2026 Q2 | $1.70B | +10.6% | $1.54 | +0.7% | 18.5% | 10.8% | $205M |
Management’s own words, often on a non-GAAP, constant-currency, or adjusted basis — so these can differ from the GAAP figures above (e.g. constant-currency revenue growth excludes currency swings).
What EFX and other companies said about each other on FY2026 Q1 earnings calls — extracted verbatim from public transcripts. Mentions from the newest quarter are a Pro feature.
“First, as announced in February, Equifax is embedding Engine into myequifax.com, delivering personalized financial recommendations to consumers actively checking their credit.”
Equifax is embedding Gen's Engine into myequifax.com to deliver personalized financial recommendations to consumers checking their credit.
“any revenue that would be paid to FICO by Experian and TransUnion”
Equifax referenced fellow credit bureaus Experian and TransUnion when explaining ex-FICO revenue accounting, underscoring the tri-bureau competitive structure.
“any revenue that would be paid to FICO by Experian and TransUnion”
Equifax referenced fellow credit bureaus Experian and TransUnion when explaining ex-FICO revenue accounting, underscoring the tri-bureau competitive structure.
“Google Vertex AI capabilities and proprietary data to deliver higher-performing analytical solutions at an accelerating pace”
Equifax uses Google Vertex AI as part of its cloud/AI stack to build higher-performing analytical solutions, a technology-vendor signal for Google Cloud.
“If you use that $1 versus the $10 FICO score, that's $1 billion worth of run rate annual cost savings for the industry.”
Equifax cut VantageScore mortgage pricing to $1 versus FICO's $10, positioning ~$1B of industry cost savings to accelerate conversion away from FICO once FHFA activates VantageScore.
“As a reminder, we make no margin on the sale of FICO scores.”
Equifax earns zero margin reselling FICO mortgage scores; a shift to VantageScore would be margin-accretive to Equifax, an adverse signal for FICO's mortgage-score royalty stream.
| Company | Score | Trend | Rev YoY |
|---|---|---|---|
EFX Equifax | 8 | +14.3% | |
| VRSK Verisk | 6 | +3.9% |