| EFX |
Report |
Q2'26 Total Revenue |
IN-LINE |
pred ~$1.695B vs. cons $1.696B |
MEDIUM |
| EFX |
Report |
Q2'26 Adjusted EPS |
BEAT |
pred ~$2.25 vs. cons $2.21 |
MEDIUM |
| EFX |
Report |
Q2'26 U.S. Mortgage Revenue Growth (y/y) |
MISS |
pred ~+13% vs. cons/guide +20%+ |
MEDIUM |
| EFX |
Guide |
FY2026 Revenue Guidance |
LOWER |
guide ~$6.70B vs. cons ~$6.75B (FY2026) |
MEDIUM |
| EFX |
Guide |
FY2026 Adjusted EPS Guidance |
LOWER |
guide ~$8.48 vs. cons $8.56 (FY2026) |
MEDIUM |
| EFX |
Guide |
Q3 2026 / FY26 Mortgage Revenue Growth Framework |
LOWER |
guide ~+10-14% vs. prior framework +20%+ (Q3-Q4 2026) |
MEDIUM |
| EFX |
Guide |
VantageScore/FHFA EBITDA Upside Baked into Guidance |
UNKNOWN |
guide ~$0M included vs. ~$35M potential annual EBITDA upside not yet reflected (FY2026) |
LOW |
| EFX |
Guide |
Circulo de Credito Deal Accretion/Timing Commentary |
UNCHANGED |
guide ~closing H2 2026, immaterial to FY26 vs. cons expecting ~$0 FY26 EPS contribution (FY2026) |
MEDIUM |
| EFX |
Return |
Day-1 residual (stock − beta × S&P 500) |
-4.0% |
— |
MEDIUM |
| EFX |
Return |
5-day cumulative residual |
-6.5% (FOLLOW-THROUGH) |
EPS likely beats on cost/AI-margin leverage but mortgage revenue growth undershoots the 20%+ full-year framework as 30Y rates sit at 6.55%+, well above the assumptions embedded in April guidance; a trim to FY26 revenue/EPS guidance (mirroring the Q1 pattern where even a guidance 'hold' after a beat triggered a 13.7% one-day drop and a subsequent slide to 52-week lows by June) implies analysts will push out-period mortgage and Diversified Markets estimates down further post-print, with sell-side models re-cutting FY26/FY27 numbers over the following days rather than stabilizing, since the Iran-conflict rate overhang and lack of a near-term VantageScore/FHFA catalyst leave no offsetting positive revision driver. |
MEDIUM |