EQUIFAX INC

Equifax Inc. announced the public offering of $1 billion in senior notes, consisting of $500 million of 5.000% Senior Notes due 2029 and $500 million of 5.650% Senior Notes due 2033. The notes were issued on July 29, 2026, with interest payable semi-annually. The company received approximately $990.5 million in net proceeds from the offering, which it intends to use for the repayment of borrowings under its commercial paper program.

Equifax reported Q2 2026 operating revenue of $1.70 billion, an 11% increase year-over-year. Diluted earnings per share rose slightly to $1.54, while net income attributable to Equifax decreased by 4% to $183.9 million. The company increased its quarterly dividend to $0.56 per share and has approximately $1.5 billion remaining under its share repurchase authorization. Equifax also accrued $100 million for a legal settlement related to a previously disclosed coding issue.

Equifax reported strong second-quarter 2026 financial results with reported revenue of $1.700 billion, an 11% increase year-over-year, and adjusted diluted EPS of $2.25, up 13%. The company announced the acquisition of Círculo de Crédito, a Mexican credit bureau, for $750 million, and doubled its AI-driven cost reduction target to $150 million. Equifax also returned $366 million to shareholders through share repurchases and dividends, while net income attributable to Equifax decreased by 4% to $183.9 million.

Equifax Inc.'s Board of Directors approved immediate amendments to its Amended and Restated Bylaws on June 16, 2026. The revisions allow shareholders to request a special meeting, provided one or more shareholders collectively own at least 25% of the voting power of outstanding shares for at least one year. The amendments also include minor clarifications and updates.

Equifax Canada announced that its Credit Lock service will be available to all residents of Ontario starting July 1, 2026, in line with the province's Better for Consumers, Better for Businesses Act. This free digital lock on credit reports helps defend against identity theft and fraud by preventing lenders from accessing credit scores, reports, or Personally Identifiable Information when a lock is active. Equifax Canada, which previously launched this feature in Quebec in 2023, emphasizes its commitment to consumer protection and fraud prevention.

Equifax Canada data for Q1 2026 reveals a significant decline in Canadian entrepreneurship, with active young businesses decreasing by 38.7%. Business payment challenges continued to build, as the national 60+ day delinquency rate for financial trades rose 11.37% year-over-year to 3.83%. While the Canadian Small Business Health Index showed some positive momentum, rising 2.3% quarterly, businesses are cutting back on short-term credit, with line of credit balances down 21.3% and credit card balances down 17.2%.

Equifax Canada's Q1 2026 Market Pulse report reveals a complex credit landscape, with total consumer debt climbing to $2.66 trillion, up 3.8% year-over-year, while non-mortgage debt saw its first quarterly decline in several periods. Despite some signs of consumer financial discipline, insolvency volumes reached a 17-year high, increasing 18.8% year-over-year. New credit originations, including credit cards and auto loans, declined significantly, and mortgage stress intensified in high-cost markets like Ontario and British Columbia, with delinquencies rising sharply.

Equifax Inc. and its subsidiary borrowers entered into a Fourth Amendment to their Credit Agreement, increasing the unsecured revolving credit facility from $1.5 billion to $2 billion. This amendment also raised swingline loan availability from $150 million to $200 million and extended the termination date for $1.9 billion of the facility by one year to August 25, 2029. Additionally, a 10 basis point credit spread adjustment for "Term SOFR" borrowings was removed, enhancing the company's financial flexibility and liquidity.

Equifax Inc. has filed its Form 10-Q for the quarterly period ended March 31, 2026. The filing confirms the company's status as a large accelerated filer and provides an overview of its financial information and operations for the quarter. As of April 10, 2026, there were 119,072,409 shares of the registrant's common stock outstanding.

Equifax announced strong financial results for the first quarter ended March 31, 2026, reporting record revenue of $1.649 billion, a 14% increase. This performance exceeded the midpoint of their February guidance by $37 million. The growth was primarily driven by a 38% increase in U.S. Mortgage revenue and a 10% rise in Workforce Solutions revenue, indicating robust performance across key segments.