Equifax reports $1.69B revenue

Item 6.

Exhibits

40

Signatures

41

2

FORWARD-LOOKING STATEMENTS

This report contains information that may constitute "forward-looking statements." Generally, the words "believe," "expect," "intend," "estimate," "anticipate," "project," "will," "may" and similar expressions identify forward-looking statements, which generally are not historical in nature. All statements that address operating performance and events or developments that we expect or anticipate will occur in the future, including statements related to our strategy, our future operating results, improvements in our information technology and data security infrastructure, the expected financial and operational benefits, synergies and growth from our acquisitions, the expected benefits of our use of artificial intelligence, the pricing strategies, benefits and value proposition of product offerings of Equifax and its competitors, changes in the U.S. mortgage market environment (as well as changes more generally in U.S. and worldwide economic conditions), such as changes in interest rates and inflation levels, and similar statements about our financial outlook and business plans, are forward-looking statements. Management believes that these forward-looking statements are reasonable as and when made. However, forward-looking statements are subject to certain risks and uncertainties that could cause actual results to differ materially from the Company's historical experience and our present expectations or projections¹¹, including without limitation our expectations regarding the Company's outlook, long-term organic and inorganic growth, and customer acceptance of our business solutions referenced below under "Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations — Business Overview." These risks and uncertainties include, but are not limited to, those described in Part II, "Item 1A. Risk Factors" and elsewhere in our Annual Report on Form 10-K for the year ended December 31, 2025, and those described from time to time in our future reports filed with the United States Securities and Exchange Commission ("SEC"). As a result of such risks and uncertainties, we urge you not to place undue reliance on any such forward-looking statements. Forward-looking statements speak only as of the date when made. We undertake no obligation to publicly update or revise any forward-looking statements, whether as a result of new information, future events or otherwise, except as required by law.¹²

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PART I. FINANCIAL INFORMATION

ITEM 1.^{1 1}FINANCIAL STATEMENTS (UNAUDITED)¹ EQUIFAX INC.

CONSOLIDATED STATEMENTS OF INCOME

(Unaudited)

Three Months Ended

September 30,

2026 2025

(In millions, except per share amounts)

Operating revenue $ 1,692.5⁴ $ 1,544.9

Operating expenses:

Cost of services (exclusive of depreciation and amortization below) 752.4 663.2

Selling, general and administrative expenses 390.4 434.1

Other income, net

3.8 3.2

Consolidated income before income taxes 296.8 215.3

Less: Net income attributable to noncontrolling interests including redeemable noncontrolling interests ( 1.7 ) ( 1.3 )

Net income attributable to Equifax $ 211.7 $ 160.2²

Basic earnings per common share:

Net income attributable to Equifax $ 1.80 $ 1.30

Weighted-average shares used in computing basic earnings per share 117.3 123.1

Diluted earnings per common share:³

Net income attributable to Equifax $ 1.79 $ 1.29³

Weighted-average shares used in computing diluted earnings per share 118.1 124.1

Dividends per common share $ 0.56 $ 0.50

See Notes to Consolidated Financial Statements.

4

EQUIFAX INC.

CONSOLIDATED STATEMENTS OF INCOME

(Unaudited)

Nine Months Ended September 30,

2026 2025

(In millions, except per share amounts)

Operating revenue $ 5,041.5 $ 4,523.9⁵

Operating expenses:

Cost of services (exclusive of depreciation and amortization below) 2,293.1 1,984.4

Selling, general and administrative expenses 1,224.0 1,193.2

Consolidated income before income taxes 789.5 662.0

Less: Net income attributable to noncontrolling interests including redeemable noncontrolling interests ( 4.7 ) ( 3.4 )

Net income attributable to Equifax $ 567.1 $ 484.5⁶

Basic earnings per common share:

Net income attributable to Equifax $ 4.78 $ 3.92

Weighted-average shares used in computing basic earnings per share 118.6 123.7

Diluted earnings per common share:⁷

Net income attributable to Equifax $ 4.75 $ 3.89⁷

Weighted-average shares used in computing diluted earnings per share 119.3 124.7

Dividends per common share $ 1.68 $ 1.39⁷

See Notes to Consolidated Financial Statements.

5

EQUIFAX INC.

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS)

(Unaudited)

Three Months Ended September 30,

2026 2025

Equifax

Shareholders Noncontrolling

Interests including Redeemable Noncontrolling Interests Total Equifax

Shareholders Noncontrolling

Interests including Redeemable Noncontrolling Interests Total

(In millions)

Change in unrecognized prior service cost related to our pension and other postretirement benefit plans, net 0.2 — 0.2 — — —

Comprehensive income $ 230.6 $ 1.6 $ 232.2 $ 168.7 $ 7.0 $ 175.7

Nine Months Ended September 30,

2026 2025

Equifax

Shareholders Noncontrolling

Interests including Redeemable Noncontrolling Interests Total Equifax

Shareholders Noncontrolling

Interests including Redeemable Noncontrolling Interests Total

(In millions)

Change in unrecognized prior service cost related to our pension and other postretirement benefit plans, net 0.4 — 0.4 — — —

Comprehensive income $ 643.0 $ 13.0 $ 656.0 $ 655.9 $ 20.8 $ 676.7

See Notes to Consolidated Financial Statements.

6

EQUIFAX INC.

CONSOLIDATED BALANCE SHEETS

(Unaudited)

(In millions, except par values) September 30, 2026 December 31, 2025

ASSETS

Current assets:

Property and equipment:

Capitalized internal-use software and system costs 3,002.3 3,098.2

Data processing equipment and furniture 230.9 239.3

Less accumulated depreciation and amortization ( 1,607.9 ) ( 1,704.7 )

Total property and equipment, net 1,923.1 1,932.4

LIABILITIES AND EQUITY

Current liabilities:

Short-term debt and current maturities of long-term debt $ 157.7 $ 1,038.0¹⁰

Deferred income tax liabilities, net 459.9 390.8

Long-term pension and other postretirement benefit liabilities 100.9 103.4

Commitments and Contingencies (see Note 6)

Redeemable noncontrolling interests 120.8 114.4

Equifax shareholders' equity:

Preferred stock, $ 0.01 par value: Authorized shares - 10.0 ; Issued shares - none

— —

Common stock, $ 1.25 par value: Authorized shares - 300.0 ;

Issued shares - 189.3 at September 30, 2026 and December 31, 2025;

Treasury stock, at cost, 71.6 shares and 68.3 shares a