Equifax Names David Smith President of U.S. Information Solutions [Accessibility Statement] Skip NavigationATLANTA, Feb. 26, 2026 /PRNewswire/ -- [Equifax]® (NYSE: EFX) has named David Smith as President of U.S. Information Solutions (USIS) effective March 2, 2026. In this role, Smith will continue to drive the business unit's post-cloud transformation growth, leveraging [EFX.AI] and the company's proprietary data to create innovative solutions that bring decision intelligence to Equifax customers and help ...

US consumer debt continued its upward climb through the end of 2025, with growth gaining momentum in the final months of the year, according to Equifax’s (NYSE: EFX) National Market Pulse report released February 24, 2026. The credit analytics firm’s proprietary data shows total consumer debt balances reached $18.20 trillion by December, up 3.7% from a year earlier—the sharpest monthly acceleration compared to the same periods in 2023 and 2024.This figure aligns with broader measures from the Federal Reserv ...

Core Insights - Enerflex reported adjusted EBITDA of $123 million and record free cash flow of $141 million for Q4/25, with a reduction in net debt to $501 million, approximately 1.0x trailing twelve-month adjusted EBITDA [1][12][5] - The company signed an agreement to divest its operations in the Asia Pacific region, aiming to optimize and simplify its business [1][8] - Capital expenditures for 2026 are targeted between $175 million and $195 million, including $90 million to $100 million for growth opportunities [1][18] Financial Overview - Revenue for Q4/25 was $627 million, an increase from $561 million in Q4/24 but a decrease from $777 million in Q3/25, primarily due to project timing [5] - Gross margin before depreciation and amortization was $177 million, or 28% of revenue, compared to 31% in Q4/24 and 27% in Q3/25 [5][11] - Selling, general and administrative expenses (SG&A) decreased to $83 million from $92 million in Q4/24, driven by cost-saving initiatives [5][11] Operational Highlights - The Engineered Systems (ES) backlog was $1.1 billion, providing strong visibility into future revenue generation [1][8] - ES bookings in Q4/25 were $377 million, up from $301 million in Q4/24, indicating a healthy book-to-bill ratio of 1.1x [8][13] - The company continues to expand its U.S. contract compression business, with utilization stable at 94% across a fleet of approximately 483,000 horsepower [8][9] Shareholder Returns - The Board of Directors increased the quarterly dividend by 13% to CAD$0.0425 per share, payable on March 25, 2026 [8][22] - Enerflex repurchased 102,800 common shares at an average price of CAD$15.10 per share during Q4/25, totaling 2,779,000 shares repurchased since the start of its normal course issuer bid [8][21] Outlook - The preliminary outlook for 2026 indicates steady demand across business lines, supported by the highly contracted Energy Infrastructure product line, expected to generate approximately $1.3 billion in revenue [16][17] - The company aims to leverage its position in core operating countries to capitalize on expected increases in demand for its solutions [19][20]

%3.8 %December 2025$1,123.93.1 %4.1 %Student Loans BalancesMonthStudent Loan Debt ($B)MoM Change %YoY Change (%)October 2025$1,3490.6 %-0.2 %November 2025$1,344-0.4 %-0.3 %December 2025$1,330-0.3 %-1.4 %Equifax has been tracking U.S. National Consumer Credit Trends for more than 20 years. Monthly reports can be found on [Equifax.com]. These reports track originations, balances and delinquencies on U.S. consumer mortgages, auto loans and leases, student loans, bankcards and private label credit cards, and pe ...

Core Insights - Financial stress in Canada increased in Q4 2025, but at a slower rate compared to previous years, with older consumers showing resilience while younger consumers and those in Ontario and Western provinces exhibited financial weakening [1] Consumer Debt Trends - Total consumer debt reached $2.65 trillion in Q4 2025, marking a 3.13% year-over-year increase, driven by a $50.26 billion rise in mortgage balances and a 4.50% increase in non-mortgage debt [2] - Delinquency rates for non-mortgage debt rose, with 90+ day delinquency increasing from 1.64% to 1.73%, a year-over-year increase of 5.43% [2] Age Group Analysis - Consumers aged 26 to 35 experienced the highest credit stress, with a delinquency rate of 2.55% and an 8.39% year-over-year decline in credit health [3] Regional Divergence - A "two Canadas" scenario emerged, with Ontario experiencing the fastest growth in non-mortgage delinquency at 10.31% compared to Q4 2024, while regions with better housing affordability like Prince Edward Island and Nova Scotia saw decreases in delinquency rates [4] Credit Card Spending - Credit card spending during the 2025 holiday season decreased by 0.7% year-over-year to $2,297, with younger consumers (aged 26-35) reducing their holiday spending by 2.0% [5] - Despite reduced spending, credit card balances reached a historic $131 billion, an increase of 4.04% [5] Borrowing Power and Credit Access - Lenders tightened access to credit for riskier borrowers, with non-mortgage debt for subprime consumers remaining stagnant, while super prime consumers saw a 6.1% increase in average non-mortgage debt to $20,818 [6] Mortgage Market Dynamics - Total mortgage debt reached $1.95 trillion in Q4 2025, a 2.6% year-over-year increase, with mortgage renewals dominating the market [7] - Average new loan amounts increased by 4.1% to $363,778, with first-time homebuyers facing an average new loan size of $441,301, up 5% [8] Interest Rate Impact - The Bank of Canada's 2.25% policy rate provided some relief, but housing affordability remained strained, particularly in high-priced regions like Ontario and British Columbia [8] - Rising missed payments on higher-value mortgages in Ontario indicated that post-renewal payment levels were too high for some consumers [9]

In this articleEFXTRUFICOMorsa Images | Digitalvision | Getty ImagesThere's a line item in homebuyers' closing costs that's causing a clash in the mortgage industry: the fee for lenders to check borrowers' credit.While the charges — typically in the tens or hundreds of dollars — represent a tiny slice of the amount that buyers pay when a home purchase is finalized, the cost has risen sharply in recent years. Costs in 2026 could rise an average 40% to 50%, according to a Dec. 12 letter from the Mortgage Bank ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ____________________________________ FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-06605 ____________________________________ EQUIFAX INC. (Exact name of registrant as specified in its chart ...

With a market cap of $23.6 billion, Equifax Inc. (EFX) is a global data, analytics, and technology company that provides information solutions to businesses, governments, and consumers across Workforce Solutions, U.S. Information Solutions, and International segments. It operates in multiple countries worldwide, offering services such as credit information and scoring, identity verification, fraud prevention, workforce verification, and human resources process automation. Shares of the credit reporting c ...

Equifax Delivers Optimal Pathâ"¢ Directly to U.S. Consumers via the myEquifax Mobile App [Accessibility Statement] Skip NavigationLeveraging the Advanced Equifax Cloud-native Platform and Patented EFX.AI Capabilities, Optimal Path Gives Consumers More Control Over Their Financial Journeys at No Additional CostATLANTA, Feb. 17, 2026 /PRNewswire/ -- [Equifax]® (NYSE: EFX) is leveraging its advanced cloud- native platform and patented EFX.AI capabilities to deliver [Optimal Path]â"¢, the company's interactive ...

Core Insights - Equifax's growth is driven by sustained revenue momentum from diverse offerings and innovations in AI and analytics [1][11] - The company is expected to see significant earnings growth in the coming years, with a projected increase of 14.4% in Q1 2026 and 20% in 2027 [2][11] Revenue and Earnings Growth - Earnings are expected to rise by 13.5% in 2026 and 20% in 2027, while revenues are projected to grow by 10.7% in 2026 and 8.5% in 2027 [2][11] Business Model and Data Assets - Equifax generates revenue through proprietary datasets, including consumer credit files and alternative credit assets [4] - The company serves a wide range of industries, which helps mitigate sector-specific vulnerabilities and supports sustained revenue growth [5] AI Innovations - Equifax is enhancing its services with advanced AI-driven solutions, including the Agentic AI platform and Ignite AI Advisor for improved customer insights [6][7][11] Market Position and Liquidity - Despite strong growth prospects, Equifax has a current ratio of 0.61, indicating potential challenges in meeting short-term obligations [8]