Equifax, Inc. (EFX) Q4 2025 Earnings Call

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WEBVTT 00:00:01.117 -- 00:00:04.778 Good morning and welcome to the Equifax Q4 00:00:04.778 -- 00:00:09.820 2025 earnings conference call. At this time, all participants are in a listen-only 00:00:09.820 -- 00:00:13.942 mode. The question and answer session will follow the formal presentation. 00:00:13.942 -- 00:00:17.603 If anyone should require operator assistance during the conference, please press star 00:00:17.603 -- 00:00:22.725 zero on your telephone keypad. Please note this conference is being recorded. 00:00:22.725 -- 00:00:26.807 I will now turn the conference over to Trevor Burns, SVP of Investor Relations. 00:00:26.807 -- 00:00:29.380 Thank you. You may begin. 00:00:29.380 -- 00:00:32.962 Thanks and good morning. Welcome to today's conference call. 00:00:32.962 -- 00:00:38.445 I'm Trevor Burns. With me today are Mark Begor, Chief Executive Officer, and John Gamble, 00:00:38.445 -- 00:00:43.507 Chief Financial Officer. Today's call is being recorded, and our recorded 00:00:43.507 -- 00:00:48.730 recording will be available later today in the IR calendar section of the news and events 00:00:48.730 -- 00:00:52.051 tab at our investor relations website. 00:00:52.051 -- 00:00:57.054 During the call, we will make reference to certain materials that can also 00:00:57.054 -- 00:01:00.555 be found in the presentation section. 00:01:01.067 -- 00:01:04.289 of the news and events tab at our IR website. 00:01:04.289 -- 00:01:09.332 These materials are labeled for Q2025 earnings conference call. 00:01:09.332 -- 00:01:14.335 Also, we're making certain forward-looking statements, including first quarter and 00:01:14.335 -- 00:01:20.278 full year 2026 guidance to help you understand Equifax and its business environment. 00:01:20.278 -- 00:01:23.880 These statements involv...