EFXMEDIUM SIGNALFINANCIAL10-K

Equifax shows mixed financial performance with strong operating cash flow growth offset by concerning increases in interest expense and current liabilities alongside reduced share count.

The company demonstrates operational strength with 22% operating cash flow growth, but the 32% spike in interest expense suggests higher borrowing costs or increased debt levels. The 29% jump in current liabilities combined with a reduced share count (from 124M to 120M shares) indicates potential financial restructuring or refinancing activity that warrants monitoring.

Comparing 2026-02-19 vs 2025-02-20View on EDGAR →
FINANCIAL ANALYSIS

Equifax presents a mixed financial picture with strong operational performance evidenced by 22% operating cash flow growth and 11% SG&A expense increases suggesting business expansion. However, concerning developments include a 32% surge in interest expense and 29% increase in current liabilities, indicating higher debt servicing costs and near-term payment obligations. The overall pattern suggests a company investing in growth while managing increased financial leverage, requiring careful monitoring of debt management and liquidity positions.

FINANCIAL STATEMENT CHANGES
Interest Expense
P&L
+31.9%
$183.0M$241.4M

Interest expense surged 31.9% — significant debt increase or rising rates materially impacting earnings.

Current Liabilities
Balance Sheet
+28.9%
$1.8B$2.3B

Current liabilities rose 28.9% — increased short-term obligations, watch current ratio.

Operating Cash Flow
Cash Flow
+22%
$1.3B$1.6B

Operating cash flow grew 22% — strong conversion of earnings to cash, healthy business fundamentals.

SG&A Expense
P&L
+11.3%
$1.5B$1.6B

SG&A increased modestly — likely reflects growth-related hiring or sales expansion investment.

LANGUAGE CHANGES
NEW — 2026-02-19
PRIOR — 2025-02-20
ADDED
At January 30, 2026, there were 120,269,998 shares of Registrant s common stock outstanding.
We use advanced statistical techniques, artificial intelligence and machine learning, as well as proprietary software tools to analyze available data for the creation of customized insights, decision-making and process automation solutions, and processing services for our clients.
and Canada), Latin America (Argentina, Brazil, Chile, Costa Rica, Dominican Republic, Ecuador, El Salvador, Honduras, Mexico, Paraguay, Peru and Uruguay), Europe (the United Kingdom ( U.K.
), Spain and Portugal) and Asia Pacific (Australia, New Zealand and India).
This operating segment is comprised of our Latin America, Europe, Asia Pacific and Canada business units.
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REMOVED
At January 31, 2025, there were 124,023,838 shares of Registrant s common stock outstanding.
We use advanced statistical techniques, machine learning and proprietary software tools to analyze available data to create customized insights, decision-making and process automation solutions and processing services for our clients.
and Canada), Asia Pacific (Australia, New Zealand and India), Europe (the United Kingdom ( U.K.
), Spain and Portugal) and Latin America (Argentina, Brazil, Chile, Costa Rica, Dominican Republic, Ecuador, El Salvador, Honduras, Mexico, Paraguay, Peru and Uruguay).
Workforce Solutions revenue is predominantly in the U.S., and they have also established operations in Canada, Australia and the U.K.
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