Equifax, Inc. · NYSE:EFX

Equifax — Merger or Acquisition (July 2026)

13 slides from Equifax's merger presentation, Jul 7, 2026

  1. Slide 1: Equifax to Acquire Mexico Credit Bureau Círculo de Crédito

    Equifax to Acquire Mexico Credit Bureau Círculo de Crédito Investor Update July 7, 2026

  2. Slide 2: Disclosure Statements

    Disclosure Statements Forward-Looking Statements This presentation contains certain forward-looking information to help you understand Equifax and its business environment. All statements that address operating performance and events or developments that we expect or anticipate will occur in the fut

  3. Slide 3: Equifax to Acquire Círculo de Crédito, the Fastest Growing Credit Bureau in Mexico

    Equifax to Acquire Círculo de Crédito…the Fastest Growing Credit Bureau in Mexico…Strong Financial Results… Accretive in Year 1 Signed definitive agreement to acquire Círculo de Crédito for $750M enterprise value… expected to close in 4Q26 subject to customary closing conditions and regulatory approv

  4. Slide 4: Reinvesting Strong FCF to Strengthen Equifax, Aligned with Bolt-On M&A Strategy

    Reinvesting Strong FCF to Strengthen Equifax… Aligned with EFX Bolt-On M&A Strategy and Financial Criteria ● Signed definitive agreement to acquire Círculo de Crédito for enterprise value of $750M USD(1) Purchase Consideration … EBITDA Multiple 11.7X at closing based on expected Circulo 2026 Adj EBIT

  5. Slide 5: Fast Growing Mexico Market… 15% CAGR

    Fast Growing Mexico Market… 15% CAGR Attractive Market Dynamics Estimated Total Credit Credit Bureau Market Share Bureau Spend ● Mexico is the 2nd largest LATAM economy with a unique growth opportunity driven by significant credit under-penetration ~$600M ● More than 25% of consumers are without acce

  6. Slide 6: Círculo de Crédito is the Fastest Growing Credit Bureau in Mexico

    Círculo de Crédito is the Fastest Growing Credit Bureau in Mexico Círculo is the 2nd largest and fastest growing credit bureau in Mexico ● Key player in a large, fast-growing Mexican market that provides consumer and commercial credit solutions to banks, non-bank FIs (FinTechs), government, services

  7. Slide 7: Strong Círculo Financial Performance Led by Differentiated Data and FinTech Relationships

    Strong Circulo Financial Performance Led by Differentiated Data and Fast Growing FinTech Relationships USD in Millions Círculo de Crédito Growth Círculo Financial Impact +High DD % ✓ Revenue growth accretive to EFX 7-10% ~$134M, +31% organic LTFF $121M, +32% Revenue, YoY ✓ LTM revenue growth +31%...

  8. Slide 8: Equifax Expects to Deliver Strong Synergies to Círculo

    Equifax Expects to Deliver Strong Synergies to Círculo Deepen Retail / FinTech Data Moat and Expand Large FI Penetration 1 Deepen proprietary Retail / FinTech data moat to expand market leading position with FinTechs and use EFX global scale to expand penetration with large financial institutions Del

  9. Slide 9: Boa Vista Outperforming Competitor B2B Revenue Growth

    Boa Vista Outperforming Competitor B2B Revenue Growth USD in Millions ~$200M Executing EFX Playbook C$ at 2023 FX Rates ✓ Share gains with banks and fintechs ~$160M ✓ Technology to EFX Cloud ✓ Deploy EFX platforms… Ignite, Interconnect, and ID&F ✓ Global new product roll-outs ✓ Deploy patented EFX.AI

  10. Slide 10: EFX is a Market Leading Credit Bureau in Latam… Círculo is Core to our Latam Strategy

    EFX is a Market Leading Credit Bureau in Latam… Círculo is Core to our Latam Strategy… Proven Success with Integrations (BVS) Deploy Proven Integration Strategy Mexico Central America ● EFX is a market leader in Latam #2 CRA(1) #1 CRA ● Capitalize on global NPIs to further Ecuador enhance market lea

  11. Slide 11: Reinvesting Strong FCF in Strategic and Accretive Bolt-on M&A to Strengthen EFX

    Reinvesting Strong FCF in Strategic and Accretive Bolt-on M&A to Strengthen EFX EFX M&A Priorities Date Intl Markets Differentiated Data Strengthen EWS Broaden ID&F Capabilities Circulo de Crédito 4Q261 ✓ ✓ ✓ INTL BVS 3Q23 ✓ ✓ ✓ Data-Crédito 1Q22 ✓ ✓ Kount 1Q21 ✓ ✓ USIS Mitigator 3Q22 ✓ ✓ Teletrack 3

  12. Slide 12: Q&A

    Q&A PROPRIETARY | 12

  13. Slide 13: Investor Relations Contacts

    Trevor Burns • Investor Relations • trevor.burns@equifax.com Molly Clegg • Investor Relations • molly.clegg@equifax.com Copyright © 2026, Equifax Inc. All Rights Reserved. Equifax is a registered trademark of Equifax Inc.

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