Equifax Stock Gains Ahead of Earnings, But Challenges Loom Large

Equifax Inc. (NYSE:EFX) is set to announce its third-quarter 2025 earnings tomorrow, October 21st, amid a complex landscape of industry disruption and revised analyst expectations. As of today, Equifax's stock is trading at $229.50, a 1.3% gain on the session. While EFX has gained 3.44% in the past five days, investor sentiment remains cautious, with the stock still down 10.7% over the past month, and 16.67% lower on a 12 month basis.

Looking to Wall St for clues, the consensus EPS expectation is for $1.94, an uplift on the $1.85 in the same period Y/Y. Revenue is also projected to have grown by 5.64% Y/Y to $1.52billion.

The company will release its third-quarter 2025 financial results at 6:30 a.m. Eastern Time (ET), with a conference call to discuss these results will follow at 8:30 a.m. ET. 

One of the most significant headwinds facing Equifax is Fair Isaac Corporation's (FICO) recent decision to directly license its mortgage credit scores to lenders. This move, announced on October 2nd, bypasses traditional intermediaries like Equifax, promising cost savings for lenders by eliminating markups traditionally charged by credit bureaus. The market reacted swiftly, sending Equifax's stock down 8.1% on the day of the announcement, signaling concerns about potential revenue erosion.

Adding to the uncertainty, Rothschild Redb analysts recently adjusted their fourth-quarter 2025 earnings estimates for Equifax, lowering the expected EPS from $2.19 to $2.11. This revision suggests a more conservative outlook on the company's near-term financial performance. There have been a total of 4 upward revisions, and 3 downward revisions in the past 30 days.

Technical analysis points cautious leading in. Equifax's current stock price sits below both its 50-day ($247.16) and 200-day ($251.75) simple moving averages (SMAs). This positioning is often interpreted as a bearish signal, indicating that the stock's recent performance is trending downwards.

The stock's beta of 1.67 also suggests higher volatility compared to the overall market, potentially amplifying both gains and losses.