TransUnion Credit Freeze: A Quick-Start Guide
This guide outlines how to freeze and unfreeze your TransUnion credit report to protect against identity theft. It provides step-by-step instructions for doing so online, by phone, or by mail, emphasizing that a credit freeze safeguards your credit reports by blocking new credit accounts from being opened in your name. The article also advises freezing credit with all three major bureaus for comprehensive protection.
Equifax Inc. stock outperforms competitors on strong trading day
Equifax Inc. (EFX) stock rallied 1.11% to $197.46 on Friday, outperforming the S&P 500 Index and the Dow Jones Industrial Average. This marks the second consecutive day of gains for the company's shares. The strong performance occurred during a robust trading session for the overall stock market.
New Andrew Davidson & Co., Inc. Research Demonstrates the Costs to Consumers and Investors of Moving Away from the Tri-Merge Standard in Mortgage Underwriting
New research by Andrew Davidson & Co., Inc. (AD&Co) indicates that moving away from the tri-merge standard in mortgage underwriting to a bi-merge or single-report standard could lead to less accurate mortgage pricing and qualification. This increased uncertainty may result in higher mortgage rates for consumers and greater risk for investors. The study found significant score discrepancies when not using a tri-merge approach, particularly impacting lower-scoring and minority borrowers, raising costs and creating opportunities for "score shopping."
TransUnion Reports Subprime Borrowers Drive Lending Surge
TransUnion's Q4 2025 Credit Industry Insights Report revealed that subprime borrowers were the primary drivers behind record highs in unsecured personal loan originations and balances. Originations reached 7.2 million in Q3 2025, with subprime borrower originations increasing by 32.5% year-over-year. Unsecured personal loan balances hit $276 billion in Q4 2025, with subprime borrowers accounting for a 17% year-over-year increase, while lenders are employing stronger risk management and disciplined underwriting, resulting in lower delinquency rates for newer subprime loans compared to prior years.
Is It Time To Reassess Equifax (EFX) After Its Recent Share Price Pullback?
Equifax (EFX) has experienced mixed share price returns recently, with declines over the past month and year but gains over the last seven days. A Discounted Cash Flow (DCF) analysis suggests the stock is undervalued by 56.2%, estimating an intrinsic value of $445.94 compared to its current price of US$195.30. However, its Price-to-Earnings (P/E) ratio of 35.61x is higher than the industry average, indicating it may appear overvalued based on earnings comparisons.
EQUIFAX INC SEC 10-K Report
Equifax Inc. has released its 2025 10-K report, highlighting significant financial growth with operating revenue of $6,074.5 million, a 7% increase from 2024, and net income up 9% to $664.3 million. The report details strategic initiatives including continued investments in technology, product innovation, and capital management activities like share repurchases and dividend increases, while also outlining challenges such as market competition, technology risks, regulatory changes, and economic conditions.
Equifax Delivers Optimal Path Directly to U.S. Consumers via the myEquifax Mobile App
Equifax has launched "Optimal Path," an interactive credit score planner, directly to U.S. consumers through its free myEquifax mobile app. Leveraging advanced cloud-native platform and patented EFX.AI capabilities, Optimal Path integrates with a consumer's credit profile to provide personalized 30-day action plans to improve their VantageScore 3.0 credit score. This initiative aims to empower consumers to take greater control over their financial well-being.
TransUnion Stock Gains 6% Post Reporting Q4 Earnings & Revenue Beat
TransUnion (TRU) reported better-than-expected fourth-quarter 2025 earnings and revenues, with adjusted EPS of $1.07 surpassing the consensus and total revenues of $1.2 billion exceeding estimates. Despite the positive Q4 results, the company's stock has declined over the past year. TransUnion also provided its outlook for Q1 and full-year 2026, with revenue guidance largely meeting expectations but adjusted EPS forecasts falling below current consensus estimates.
Omnicom's Q4 Earnings and Revenues Miss Estimates, Increase Y/Y
Omnicom (OMC) reported its fourth-quarter 2025 results, with both earnings per share of $2.59 and total revenues of $5.5 billion missing Zacks Consensus Estimates. Despite missing estimates, earnings increased 7.5% and revenues rose 27.9% year-over-year. The company's shares have declined 12.7% over the past year, while the industry saw a 24.5% decline.
TransUnion 2026 Originations Forecast Shows Continued Positive Momentum Amidst Moderate Expansion
TransUnion's 2026 credit originations forecast predicts continued positive momentum, particularly for mortgages and unsecured personal loans, while other credit products show mixed performance. This growth follows an expansion in consumer lending at the end of 2025. The forecast suggests a normalization in the broader credit landscape with slower growth rates than in 2025, but continued strong consumer demand.
Equifax Denied Arbitration in Employment Verification Dispute
Equifax Inc. was denied its attempt to compel arbitration in a lawsuit accusing the company of monopolizing the electronic verification of income and employment market. A federal court ruled that Equifax had already waived its right to arbitration, meaning the case will proceed in federal court. The company had argued that the plaintiffs agreed to arbitration through a revised membership agreement.
Intellicheck Inaugural Identity Fraud Threat Report Exposes Widespread Fraud Risks Threatening Massive Losses Across Industries
Intellicheck has released its inaugural 2026 North America Identity Verification Threat Report, revealing widespread identity fraud risks across financial services, retail, and other industries. The report, based on 100 million identity verification transactions in 2025, found that 2.15% of IDs failed verification, indicating millions of potential fraud attempts. Key findings include varying failure rates across sectors, with alcohol retail at 15.1% and retail online-only banks at 5.5%, and a 158% year-over-year increase in password reset verification.
Vanguard Group Inc. Has $3.92 Billion Holdings in Equifax, Inc. $EFX
Vanguard Group Inc. increased its stake in Equifax, Inc. by 2.1% in Q3, now owning 15,282,951 shares valued at approximately $3.92 billion. Despite several brokerages trimming price targets, Equifax maintains a "Moderate Buy" consensus rating with an average target of $240.33. Institutional ownership is high at 96.20%, while recent insider transactions show net selling.
Assetmark Inc. Buys 8,642 Shares of Equifax, Inc. $EFX
Assetmark Inc. significantly increased its stake in Equifax by 99% during the third quarter, acquiring an additional 8,642 shares, bringing its total holdings to 17,372 shares valued at $4,457,000. Other institutional investors also adjusted their positions in Equifax. This activity comes amid varied analyst ratings, with an average price target of $240.33, and recent insider selling by top executives including CEO Mark W. Begor.
Equifax projects 2026 profit above estimates after quarterly results beat
Equifax announced strong fourth-quarter results, surpassing analysts' expectations due to robust demand for its credit and identity verification products in the U.S. This performance led the company to issue an optimistic profit forecast for 2026, which is also above current market estimates. The positive outlook reflects accelerating demand for its consumer and workforce solutions.
New Equifax app feature builds 30-day plan to raise your credit score
Equifax has launched Optimal Path within its myEquifax mobile app, offering U.S. consumers free, AI-driven 30-day action plans to improve their credit scores. The tool uses patented EFX.AI to provide personalized tasks based on an individual's credit profile, tracking progress and aiming for VantageScore 3.0 improvements in as few as 90 days. This initiative leverages Equifax's cloud-native platform and is accessible to all Equifax Core Credit and premium subscribers.
Equifax Delivers Optimal Path™ Directly to U.S. Consumers via the myEquifax Mobile App
Equifax is introducing Optimal Path, an interactive credit score planner, directly to U.S. consumers via the myEquifax mobile app for free. Leveraging advanced cloud-native and EFX.AI capabilities, Optimal Path creates personalized 30-day action plans to help users reach their target VantageScore 3.0 credit score goals. This tool aims to empower consumers by providing actionable steps and tracking their progress towards financial objectives.
BofA upgrades Equifax stock rating on Workforce Solutions growth
BofA Securities has upgraded Equifax Inc. (NYSE:EFX) from Neutral to Buy, setting a price target of $250.00, citing expected multi-year acceleration in the company's Workforce Solutions business. The upgrade is driven by regulatory catalysts, expanding coverage, and improving cloud product velocity. Despite a premium P/E ratio, BofA believes the market undervalues Equifax's earnings potential and notes low AI risk due to highly proprietary data and deep market entrenchment.
Goldman Sachs Lowers TransUnion (TRU) Price Target to $80, Maint
Goldman Sachs has lowered its price target for TransUnion (TRU) to $80 from $92 but maintained a Neutral rating. This adjustment follows similar reductions from other analysts, though the average brokerage recommendation for TRU remains "Outperform" based on 21 firms. TransUnion is a major credit bureau, and despite the lowered price targets, analysts project a potential upside from its current price.
BofA upgrades Equifax stock rating on Workforce Solutions growth
BofA Securities upgraded Equifax (NYSE:EFX) from Neutral to Buy, setting a price target of $250.00, citing expected multi-year acceleration in its Workforce Solutions business driven by regulatory catalysts and expanding coverage. The firm revised its 2026 and 2027 adjusted earnings per share estimates upward, anticipating growth re-acceleration in Verifier, inflecting government volumes, and improved cloud product velocity. BofA believes the market underappreciates Equifax’s earnings potential and forecasts a rerating as Workforce Solutions gains market share.
Equifax Credit Checks Explained: The New Rules You Can’t Ignore
This article explains the new rules regarding Equifax credit checks in the U.S., highlighting their increasing automation and data richness, and advises consumers on how to understand and manage their credit profiles. It covers how credit checks work, recent changes in the market, and practical steps U.S. consumers can take to protect and optimize their scores amid evolving financial trends and regulatory pressures. The piece emphasizes that actively managing one's Equifax file is crucial for securing favorable financial terms.
BofA Securities Upgrades Equifax and TransUnion Ratings
BofA Securities has upgraded its ratings for Equifax (EFX) and TransUnion (TRU), citing a positive outlook for the business and information services sector, with expectations of significant revenue, EPS, and free cash flow growth in 2026. Both companies meet the criteria for robust information services firms, possessing proprietary data and high switching costs, with Equifax's EWS segment poised for substantial growth. Following the upgrades, both EFX and TRU shares saw positive movement in pre-market trading, reflecting strong investor confidence.
BofA upgrades Equifax stock rating on Workforce Solutions growth
BofA Securities upgraded Equifax (NYSE: EFX) to Buy from Neutral, setting a price target of $250.00, citing expected multi-year acceleration in the company’s Workforce Solutions business. The upgrade reflects stronger visibility on growth, a constructive margin outlook, and revised earnings estimates for 2026 and 2027. Despite trading at a premium P/E ratio, BofA believes the market underappreciates Equifax's earnings potential and notes low AI risk due to proprietary data and market entrenchment.
Equifax (NYSE:EFX) Earns Buy Rating from Analysts at Bank of America
Bank of America has initiated coverage of Equifax (NYSE:EFX) with a "Buy" rating and a $250 price target, suggesting a significant upside. This aligns with a general "Moderate Buy" consensus among analysts, who have an average price target of $240.33. The positive outlook follows Equifax's slight beat on Q4 estimates and its release of optimistic FY 2026 guidance.
Equifax (EFX) Reinstated with Buy Rating and $250 Target by BofA
Bank of America has reinstated coverage of Equifax (EFX) with a Buy rating and a $250 price target, citing optimistic projections for the Information and Business Services sector. Equifax, a major credit bureau, shows solid financial health despite some declining margins, and currently trades near 3-year P/E and 5-year P/S/P/B lows. High institutional ownership contrasts with recent insider selling, while strong financial scores (Altman Z, Piotroski F) suggest robust financial strength.
TransUnion (TRU) Receives Neutral Rating from BofA with $83 Target
Bank of America has initiated coverage on TransUnion (TRU), assigning it a Neutral rating with an $83 price target. TransUnion, a major credit bureau, shows consistent revenue growth and a stable financial position despite some insider selling and a gray-area Altman Z-Score. The valuation suggests potential undervaluation, and its high Piotroski F-Score indicates strong financial health, though sector risks and high beta are noted.
Equifax, Inc. (NYSE:EFX) Receives Average Recommendation of "Moderate Buy" from Analysts
Equifax (NYSE: EFX) has received a "Moderate Buy" rating from analysts, with an average 12-month price target of $240.33, despite several brokers recently lowering their targets. Insiders, including EVP Jamil Farshchi and CEO Mark W. Begor, have notably sold shares worth approximately $9.08 million in the past 90 days. The company reported a slight beat on quarterly earnings and revenue, and issued a positive full-year 2026 EPS guidance.
VantageScore Vs. FICO: Understanding The Key Differences For Your Mortgage
This article explains the key differences between VantageScore and FICO, the two primary credit scoring models used by lenders, especially after recent policy changes allowing VantageScore 4.0 for conventional loans. It details how each score is calculated, their respective ranges, and specific factors that impact them, highlighting how VantageScore's more inclusive approach could open up homeownership opportunities for millions. The piece also advises consumers on which score to monitor based on their financial goals and how to check their credit scores and reports.
Large businesses driving credit demand growth - Equifax
New data from Equifax indicates that large enterprises are the primary drivers of current credit demand growth, while small and medium-sized businesses (SMEs) are experiencing a more gradual recovery from inflationary pressures. Business credit scores have reached a three-year high due to increased borrowing by large companies, though SME borrowing still lags pre-inflation levels from early 2022. Several key sectors, including hospitality, construction, and retail, show a significant disparity in credit activity between large businesses and SMEs.
Equifax Inc.: How a Legacy Credit Giant Is Rebuilding Trust With Data, AI, and Real-Time Risk Signal
Equifax Inc. is transforming from a traditional credit bureau into a real-time data and analytics platform, leveraging cloud technology, AI, and alternative data sources like The Work Number®. This strategic shift aims to rebuild trust and offer advanced solutions for credit, employment verification, and fraud detection, competing with Experian and TransUnion while addressing past challenges and regulatory scrutiny. The company's stock performance reflects investor confidence in its cloud-native, AI-enabled data platform strategy.
How Investors Are Reacting To Equifax (EFX) Pairing Strong Results With Aggressive Buybacks And M&A Ambitions
Equifax reported strong fourth-quarter and full-year 2025 results, providing upbeat 2026 guidance, and highlighted $1.5 billion available for acquisitions and shareholder returns, including a completed $927.39 million share repurchase program. The company aims to deepen its data moat and improve profitability through bolt-on M&A, particularly for Workforce Solutions and proprietary data. Despite strong free cash flow and M&A capacity, investors should consider ongoing legal, regulatory, and data privacy risks as key overhangs.
Gen Z Leads Biggest Drop in FICO Scores Since Financial Crisis
The article discusses a significant drop in FICO scores, particularly among Gen Z, marking the largest decline since the financial crisis. This trend indicates increasing financial stress and potentially higher credit risks for younger generations.
TimesSquare Capital Management LLC Has $30.47 Million Stock Position in Equifax, Inc. $EFX
TimesSquare Capital Management LLC reduced its stake in Equifax, Inc. by 4.4% in the third quarter, now holding 118,778 shares valued at approximately $30.47 million. Equifax recently beat earnings estimates with $2.09 EPS and $1.55 billion revenue, and issued FY2026 guidance. Despite a "Moderate Buy" consensus rating from analysts, some corporate insiders have sold a significant number of shares recently.
Equifax’s New Fraud Model Targets First Party Abuse And Lender Stickiness
Equifax has launched a new predictive fraud model called Credit Abuse Risk, which utilizes FCRA regulated data to help lenders identify first-party fraud patterns like loan stacking and credit washing. This new product aims to address a significant concern for financial institutions by broadening Equifax's analytical and fraud tool offerings. The company's stock performance has been mixed recently, but the initiative seeks to strengthen its position in the fraud analytics market against competitors like Experian and TransUnion.
Gartner, HP, Globalstar, Amphenol, and Equifax Stocks Trade Up, What You Need To Know
Shares of Gartner, HP, Globalstar, Amphenol, and Equifax rose following a softer-than-anticipated Consumer Price Index report, which has increased investor optimism for interest rate cuts by the Federal Reserve. The CPI report showed prices rising 0.2% from December to January and annual inflation moderating to 2.4%, both below forecasts. This news prompted a rally in stocks, particularly for smaller companies, as lower interest rates are expected to stimulate economic activity.
Gartner, HP, Globalstar, Amphenol, and Equifax Stocks Trade Up, What You Need To Know
Several stocks, including Gartner, HP, Globalstar, Amphenol, and Equifax, saw significant jumps following a softer-than-anticipated Consumer Price Index (CPI) report. This fueled investor optimism for potential interest rate cuts by the Federal Reserve, leading to a rally in affected stocks. The Russell 2000 index, comprising smaller companies, reacted particularly strongly to the positive economic news.
Gartner, HP, Globalstar, Amphenol, and Equifax Stocks Trade Up, What You Need To Know
Several stocks, including Gartner, HP, Globalstar, Amphenol, and Equifax, saw gains after the latest Consumer Price Index (CPI) report indicated softer inflation than anticipated. This news fueled investor optimism for potential interest rate cuts by the Federal Reserve, leading to a rally in both stocks and Treasuries. The article also provides a detailed look at Gartner's recent stock performance and market reactions to previous news.
Gartner, HP, Globalstar, Amphenol, and Equifax Stocks Trade Up, What You Need To Know
Several stocks, including Gartner, HP, Globalstar, Amphenol, and Equifax, saw rises following a softer-than-anticipated Consumer Price Index (CPI) report, which increased investor optimism for Federal Reserve interest rate cuts. The CPI rose 0.2% from December to January and annual inflation moderated to 2.4%, leading to increased bets on multiple rate reductions. This news stimulated a rally in both stocks and Treasuries, as lower interest rates typically benefit companies and economic activity.
Equifax tests former support trendline after steep decline
Equifax (EFX) recently closed at $188.18 after a significant 39% decline from its 2024 highs, placing the stock at a critical juncture. It is now testing a former multi-year ascending support trendline, which has potentially flipped into resistance, a classic technical analysis scenario. The stock is currently trading between this overhead resistance and a major support level at $159.93, with its next move set to determine if this is a bounce opportunity or a continuation of the bearish trend.
Equifax’s New Fraud Model Targets First Party Abuse And Lender Stickiness
Equifax (NYSE:EFX) has launched Credit Abuse Risk, a new predictive fraud model using FCRA regulated data to help lenders identify first-party fraud like loan stacking and credit washing. This product aims to address a growing concern for financial institutions and enhance Equifax's offerings in analytics and fraud tools. Despite recent mixed share performance, the new model is seen as a way to broaden Equifax's product set, support cross-selling, and deepen customer relationships with lenders.
TransUnion (TRU) Margin Jump To 9.5% Challenges Earnings Skeptics
TransUnion (TRU) recently reported strong FY 2025 Q3 results, including a significant jump in net margin from 5.5% to 9.5% and an 87.5% year-over-year earnings increase, indicating growing traction for its higher-margin analytics and fraud products. Despite a premium P/E ratio compared to peers and concerns about debt coverage, the company's DCF fair value and analyst price targets suggest potential upside, although some skepticism remains about the long-term consistency of its margin profile. The company's revenue growth aligns with increased demand for predictive data and compliance solutions, especially as it expands into new international markets.
Gen Digital (GEN) Is Up 7.6% After Q3 Beat And AI Agent Trust Hub Launch - What's Changed
Gen Digital (GEN) reported strong Q3 fiscal 2026 results with sales rising to US$1,240 million and net income to US$192 million, accompanied by a quarterly dividend declaration. The company also launched its Gen Agent Trust Hub, aiming to address AI-related security risks and integrate its cyber safety platform into the AI ecosystem, while also expanding its partnership with Equifax for AI-powered security and financial insights. These strategic moves and positive financial performance are expected to bolster Gen Digital's investment narrative, although competition and pricing pressure remain key risks.
Mark Begor Sells 37,791 Shares of Equifax (NYSE:EFX) Stock
Equifax CEO Mark Begor sold 37,791 shares of the company's stock for approximately $7.63 million, reducing his holding by 14.09%. This insider sale comes as Equifax shares dropped by 4.7% to $188.30, trading below their 50-day and 200-day moving averages, despite the company beating Q4 earnings estimates and setting optimistic FY2026 guidance. Analysts currently maintain a "Moderate Buy" consensus rating with a target price of $240.33, though some have recently lowered their price objectives.
Insider Selling: Equifax (NYSE:EFX) EVP Sells 1,167 Shares of Stock
Equifax (NYSE:EFX) Executive Vice President Jamil Farshchi sold 1,167 shares of the company's stock on February 11th, totaling approximately $233,248. This sale reduced his holdings by 2.84% to 39,869 shares. The transaction follows a previous sale of 6,213 shares on February 10th and comes as Equifax exceeded Q4 earnings estimates, set favorable FY2026 EPS guidance, and maintains a "Moderate Buy" consensus rating from analysts.
Insider Selling: Equifax (NYSE:EFX) EVP Sells 6,213 Shares of Stock
Equifax EVP Jamil Farshchi recently sold a total of 7,380 shares of company stock in two separate transactions, reducing his stake by 13.15%. These sales amounted to over $1.4 million. The news comes as Equifax reported strong Q4 earnings, surpassing analyst expectations, and provided encouraging FY2026 guidance, though its stock saw a drop following the insider sales.
TransUnion's (NYSE:TRU) Q4 CY2025 Sales Top Estimates
TransUnion reported better-than-expected revenue and adjusted EPS for Q4 CY2025, with sales up 13% year-on-year to $1.17 billion. While revenue guidance for the next quarter also topped estimates, the company's full-year 2026 EPS and EBITDA guidance fell short of analyst expectations, leading to a flat stock performance immediately after the announcement. The report highlighted strong long-term revenue growth but raised questions about the company's operating margin trends.
Equifax (EFX) Valuation Check After Earnings Beat, 2026 Outlook, Buybacks And New Growth Initiatives
Equifax (EFX) recently reported its 2025 results, provided 2026 revenue guidance, and updated on share buybacks and new initiatives, leading to renewed investor interest. The stock's current trading at $197.60 is seen as undervalued by a key narrative, which estimates its fair value at $243.15, largely due to completed cloud migration and potential margin expansion. However, its P/E ratio is higher than peers and the industry average, suggesting caution about its margin for error.
VTEX : Equifax and VTEX Join Forces to Enhance Fraud Protection for Customers Worldwide
Equifax and VTEX have partnered to enhance fraud protection for merchants globally, integrating the Equifax Kount Payment Fraud solution with the VTEX commerce platform. This collaboration aims to provide real-time fraud prevention during payment events without disrupting the checkout process, addressing the rising challenges of e-commerce fraud expected to exceed $362 billion between 2023 and 2028. The partnership leverages advanced AI and Machine Learning to help businesses secure online transactions, protect revenue, and improve customer experiences.
Here's Why You Should Hold Equifax Stock in Your Portfolio Now
Equifax (EFX) is expected to see strong earnings and revenue growth in 2026 and 2027, driven by its diverse offerings, strategic acquisitions, and AI innovations. The company provides essential analytical tools and solutions across various industries, mitigating sector-specific vulnerabilities. While its current ratio is a concern, its diversified client base and AI-driven advancements position it for continued revenue momentum.
Assessing Verisk Analytics (VRSK) Valuation After Steven Kauderer Takes Over Claims Solutions Business
Verisk Analytics (VRSK) has appointed Steven Kauderer as president of its Claims Solutions business, a move that focuses attention on how its claims-focused products are managed. This leadership change occurs while the company's share price is under pressure, despite some models suggesting a 31% intrinsic discount and a wide gap to analyst targets. The article emphasizes a narrative that places Verisk Analytics' fair value at $248.50 per share, significantly above its current trading price, driven by new platform developments and investments in data precision.
