3Q26 Earnings Presentations Q3 2026

October 20, 2026

Non-GAAP Disclosure Statement

This presentation contains certain non-GAAP financial measures, including Adjusted EPS, Adjusted EBITDA, and Cash Conversion, which reflect adjustments for certain items that affect the comparability of our underlying operational performance.

Adjusted EPS is defined as net income adjusted for acquisition-related amortization expense of certain acquired intangibles, accrual for legal and regulatory matters related to the 2017 cybersecurity incident, foreign currency impact of certain intercompany loans, acquisition-related costs other than acquisition amortization, income tax effect of stock awards recognized upon vesting or settlement, Argentina highly inflationary foreign currency adjustment, realignment of resources and other costs and antitrust litigation costs.

Adjusted EBITDA is defined as consolidated net income attributable to Equifax plus net interest expense, income taxes, depreciation and amortization, and also excludes certain one-time items.

Adjusted Net Income is defined as net income adjusted for certain one-time items.

Free Cash Flow is defined as the cash provided by operating activities less capital expenditures. Cash Conversion is defined as the ratio of Free Cash Flow to adjusted net income.

Local currency is calculated by conforming the current period results to the comparable prior period exchange rates. Local currency can be presented for numerous GAAP measures, but is most commonly used by management to analyze operating revenue without the impact of changes in foreign currency exchange rates.

These non-GAAP measures are detailed in reconciliation tables which are included with our earnings release and are also posted at https://www.equifax.com under "Investor Relations/Financial Results/Non-GAAP Financial Measures."

Other Disclosures

Diversified Markets represents all Equifax businesses excluding Equifax Mortgage businesses.

The term "moat" refers to the protection our company provides to ensure that Equifax data can only be used by customers on a permissioned or aggregated basis and not blended with public, untrusted sources.

Non-GAAP & Other Disclosures Statement

This presentation contains certain forward-looking information, including fourth quarter and full year 2026 guidance as well as our long-term financial framework, 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 future, including statements related to our strategy, our long-term financial framework, our future operating results, improvements in our IT and data security infrastructure, the expected financial and operational benefits, synergies and growth from our acquisitions, the expected benefits of our use of artificial intelligence, the pricing strategies, benefits and value proposition of product offerings of Equifax and its competitors, changes in the U.S. mortgage market environment (as well as changes more generally in U.S. and worldwide economic conditions), such as changes in interest rates and inflation levels, uncertainty related to geopolitical events, and similar statements about our financial outlook and business plans, are forward-looking statements.

We believe these forward-looking statements are reasonable as and when made. However, forward-looking statements are subject to risks and uncertainties that could cause actual results to differ materially from our historical experience and our present expectations or projections. These risks and uncertainties include, but are not limited to, those described in our 2025 Form 10-K and subsequent SEC filings.

As a result of such risks and uncertainties, we urge you not to place undue reliance on any forward-looking statements. Forward-looking statements speak only as of the date when made. We undertake no obligation to publicly update or revise any forward-looking statements, whether as a result of new information, future events or

otherwise, except as required by law.

Forward-looking Statements

STRATEGIC PRIORITIES

3Q revenue1 +10% reported, +9% C$, +7% R$ ex FICO, Div Mkts +8% ... Adj EPS of $2.26 / share… Adj EBITDA Margin ex FICO up strong 130 bps to 35.2%, 40 bps above July Guide midpoint… $150M AI4EFX productivity

EWS revenue up 7%… Govt up MSD with strong 3Q wins… Talent revenue up over 20% outperforming hiring market from new solutions… Consumer Lending up HDD… 223M Active records up 12% with strong pipeline

USIS revenue up 5% ex FICO... Diversified Markets up 6%... Mortgage revenue up 28% / up LSD % ex FICO… TWN Indicator driving share gains… EBITDA Margin ex FICO up over 320 bps

VantageScore approved for all mortgage lenders… ~2,000 mortgage lenders using VantageScore, including over 200 exclusively… volume up 230% since April… conversion to VS accelerating

International… C$ revenue up 7%... APAC up 12%, Latam up 8% … 31% Adj EBITDA Margin… expect Círculo to close in 4Q26

Continued strong NPI… EFX.AI solutions, TWN Indicator… Record 17%+ VI

Strong FCF…returned $158M cash to shareholders in 3Q… repurchased 0.5M shares for $92M… $66M dividends

(1) Revenue from Vault Verify acquisition immaterial in the Third Quarter

Strong, Broad Based Execution Against Weaker Mortgage Market … Adj EBITDA Margins, Ex FICO Up 130 BPs

Verifier

Revenue Growth

+9%

Verifier Diversified Markets

+13%

Government + MSD Talent + Over 20% Consumer Lending + HDD

Verifier Mortgage Flat

Outperformed Mkt HSD

Talent

Revenue Growth Over 20%

Strong NPI Growth

Innovation with Customers

Incarceration / Education Data

Records

• 223M Active Records

  +12% YTY

• 125M Current Active Records on 110M SSNs

• 863M Total Records

• 5M+ companies contributing

Big opportunity to grow TWN records from 110M Current to 250M earners

Strong 3Q Verifier DM Revenue Growth from Penetration, Records, New Product Innovation

EWS Revenue +7%... Verifier Diversified Markets Revenue Up Strong +13%... Adj EBITDA Margin 51%

Government NPI

• Continuous Evaluation for SNAP… identifies changes in recipient income

• Medicaid Community Engagement Verify… supporting hours worked requirement

• Complete Income… creates more holistic view of income adding gig, alternative income

  ~$550M

  ~$150M New Business

  ~$400M Renewal

  Government Growth

• 3Q26 revenue up MSD

• Strong pipeline powered by new solutions and OB3

• ~$550M ACV signed YTD…

  ~$150M new business… ~$400M renewals

• Subscription-based revenue model

  YTD ACV

• Large $5B TAM for growth

Big $5B TAM for Growth at Federal, State, Local Level

Mortgage

+28% / +LSD% Ex FICO

Diversified Markets

+6%

Online B2B

Consumer Resilient

Revenue Growth

TWN Indicator driving share gains

Strong Margin Expansion Up 320+ BPs from Operating Leverage & AI Driven Cost Efficiencies

Hard Inquiries -9% 3Q FICO Royalty ~$100M

Revenue Growth

FI revenue Up HSD Auto revenue Up MSD

USIS Revenue Up +5% Ex FICO… Mortgage Up +28%... Diversified Markets Up +6%... Adj EBITDA Margin Ex FICO 42%, Up 320+ BPs

Strong VS Conversion Momentum

Mortgage Lender Feedback

• Largest mortgage lender -VantageScore as preferred score helping more clients qualify and reducing costs

• Large mortgage lender deployed VantageScore across all production platforms to lower costs and support homeownership

  Mtg Lenders Using VantageScore

  ~2,000

  ~7x

  ~1,800

  ~300

  ~250

  VantageScore Accelerating

• FHFA directs GSEs to allow all mtg lenders to use VantageScore

• Strong support for VantageScore from largest mortgage lenders

• FHA (Ginnie Mae) going live on VS 1/1

• VantageScore priced at $1 to drive conversion… will maintain $1 thru 28

• ~5% mortgage loans securitized with VantageScore in September

• ~2,000 lenders using VantageScore in their process flows… 200+ VS only

• VantageScore is helping a

  mortgage lender save loans and win in the marketplace

  ~50

  Thru Apr 26

  200+

  Thru Oct 26

• ~$35M annualized margin upside from full VantageScore conversion… ~$400M

  at lower cost

  VantageScore Only

  VantageScore + FICO

  revenue impact

  $1B Annual Mortgage Industry Cost Savings Opportunity Driving Adoption… ~$35M Margin Upside for

  EFX with Full Conversion

Tri-Merge: TRU & EXPN Credit File Cost (zero margin)

~10%

~15%

~30%

~45%

Soft Pull &

USIS Mortgage Revenue

Potential

~($80M) Revenue /

~($38M)(1) Margin Impact of GSE to Bi-Merge Manageable

Other Hard Pull

FICO Mtg Royalties (zero margin)

Tri-Merge Delivers Access to Credit, Lower Rates for Consumers, and Safety & Soundness to Underwriting

Broad EFX Levers to Differentiate in Soft/Hard Mortgage Pulls

• Expect FHA/VA to remain Tri-merge… go live on 1/1

• Likely customer choice in GSE, expect many to remain 3B

• GSEs only ~40% of loan originations

• Long implementation process

• TWN Indicator and NC+ drive EFX share advantage

• Vantage conversion drives about ~$35M incremental Margin

• EFX Tri-Merge business GTM advantage

• Mortgage market recovery $1B+ revenue /

~$700M margin upside

(1) Potential impact to EFX USIS Revenue and Cont Margin of GSE related Originations moving to Bi-Merge estimated based on Oct '26 USIS Mortgage guidance and assumption that approx. 40% of loans originated are GSE related and that each Credit Bureau equally impacted by GSE transactions moving from TriMerge to

BiMerge. Revenue assumes TriMerge/BiMerge/Hard Pull credit files delivered with FICO credit scores. Contribution Margin dollars based on assumption of average just under 50% Contribution Margin. Estimate is not guidance.

PROPRIETARY | 9

Potential USIS Revenue Impact from GSE Originations to Bi-Merge Manageable

• Asia Pac up +12%... led by Australia up +11% driven by Commercial

  LATAM +8%

• Latam up +8%... broad based… led by NPI

• Adj EBITDA Margin 31%

• Strong NPI execution

  Leveraging New EFX Cloud Capabilities for NPIs and Growth

• Expect to close Círculo de Crédito acquisition in 4Q26

Note: Region growth rates are in constant currency

PROPRIETARY | 10

International C$ Revenue Up +7%… Led by Australia and Latam… Adj EBITDA Margin 31%

Signed definitive agreement to acquire Círculo de Crédito for $750M enterprise value…expected to close in 4Q26

Círculo is the 2nd largest and fastest growing credit bureau in Mexico

• Key player in a large, fast-growing Mexican market

• Only Mexican credit bureau to operate both consumer and commercial operations

• Strong moat of differentiated proprietary data… leader in alternative data… 2 billion tradelines covering 80 million validated identities

  (1)

  Círculo

  ✓ Strategic, adds Diversified Markets growth

  ✓ Expands INTL footprint

  ✓ Aligned with Bolt-on M&A strategy

  ✓ Large and fast growing Mexican market

  ✓ Leverage EFX Cloud, products, and capabilities

  ✓ Attractive +30% 2025 revenue growth in CC

  ✓ 44% 2025 EBITDA margins accretive to EFX

  ✓ Accretive to Adjusted EPS in

  • Strategic, adds Diversified Markets growth

  • Expands Global footprint

  • Aligned with bolt-on M&A

• Strong financial performance with LTM revenue growth +24% and Adj EBITDA Margins 47%(1)... proprietary data and advanced technology driving significant revenue growth with FinTechs

  EFX would accelerate Círculo's Technology, AI, Product and Data Transformation

• EFX Cloud technology and unique proprietary data assets expected to drive Círculo to become the go-to platform for millions of Mexican consumers… leverage global EFX footprint and technology to drive new products and capabilities in Mexico

• Aligned with EFX bolt-on M&A strategy… strong 24%(1) LTM top-line growth, 47%(1) LTM Adj EBITDA Margins, and attractive valuation

  strategy

  • Large and fast growing Mexican market

  • Leverage EFX Cloud, products, and capabilities

  • Strong +24% LTM revenue growth(1)

  • 47% LTM Adj EBITDA Margins accretive to EFX(1)

  • Accretive to EFX Adjusted EPS in Year 1

  Year 1

  LTM 9/30/26 Revenue Up 24% with 47% Adj EBITDA Margin… Expect to Close in 4Q26

  (1) Financials were converted from Mexican Peso to USD at an exchange rate of 17.37 USD/MXN. Estimated last twelve months financial results through September 30,

  2026 based on information provided by Círculo de Crédito

  PROPRIETARY | 11

  Strong 17%+ 3Q Vitality Index

  2026

  Guide

  ~15%+

  10%

  LTFF

  EFX.AI Driving Innovation

  • Record 17%+ AI-enabled Vitality Index

  • Over 80% of new products introduced YTD leveraging EFX.AI

  • EFX.AI solutions… Ignite AI Advisor, EquifaxIQ

  • TWN Indicator for Mortgage, Auto, Card, P-Loan… no additional cost… Mortgage driving share gains

  • EWS Government… Continuous Evaluation and Public Safety

  • 470+ AI Patents Unique to EFX

    Strong TWN Indicator Momentum in Mortgage, Auto, Card, and P-Loan

    Note: Vitality index is percentage of revenue in a given year derived from new product releases over the prior three years and the current year.

    Note: This slide contains forward-looking information. Actual results may differ materially from our historical experience and our present expectations or projections. We undertake no obligation to publicly update or revise any forward-looking statements, whether as a result of new information, future events or otherwise, except as required by law.

    PROPRIETARY | 12

    Strong AI-Innovation Driving Record 17%+ Vitality Index

    EFX.AI Productivity Goal Operations

    +2x

    $75M

    $150M(1)

    • AI voice alerts

    • AI paper doc processing

    • Data onboarding

      Technology

    • AI agent coding and QC

      Finance, HR, Legal

      Margins Expanding

    • Analytics, accounting, contracts, legal analysis, HR

      Adj EBITDA Margins Ex FICO

      +75 bps

      +50 bps

      +100 bps

      D&A / Product

    • Model management

    • NPI specs

      Security

    • Perimeter testing, alert management

LTFF July Guide Midpoint

Oct Guide Midpoint

Cloud Foundation Enabling Broad AI4EFX Deployment and $150M AI Productivity Goal

(1) $150M savings goal reflects planned improvements in AI & overall process productivity efforts, and would impact both capital and expense, The savings is relative to previously expected growth in spending. Portion of savings may be re-invested in accelerating AI initiatives.

PROPRIETARY | 13

AI4EFX Accelerating Across EFX… Raising FY26 Adj EBITDA Margin Ex FICO Guide from Up 75 BPs to Up 100 BPs

Guidance Specifics

US Mortgage Market Originations: down 6.5%-7.5% EFX Mortgage Revenue: +HDD%, +LSD% ex FICO EFX Diversified Markets Revenue: +HSD%

Free Cash Flow: $1.0B+, 100%+ Cash Conversion

(3) EWS Diversified Revenue Growth of HSD%

1. 2026 FX based on October 2026 rates. FX impact is favorable to revenue by ~0.9% and Adj EPS by ~$0.06/share. There is minimal M&A revenue benefit in 2026.

2. Figures in constant currency

Strong Operating Leverage with Margins up 100 BPs Ex FICO

Lower FY26 Revenue Guidance for Weaker US Mortgage Market… Raising FY26 Adj EBITDA Margin Guidance Ex FICO to Up 100 BPs

Adj EBITDA Margin % 33.0% - 33.4% +20 bps - +60 bps

Guidance Specifics

Total US Mortgage Revenue Down MSD / Down MDD % ex FICO

Diversified Mkts C$ Revenue

Up 6% - 7%

(1)

4Q26 FX based on October 2026 rates

FX impact is favorable to revenue by ~0.4%. There is minimal M&A revenue impact.

4Q26 Guidance… Adj EBITDA Margin Ex FICO Up ~90 BPs

Strong +7%, Ex FICO Revenue Growth Led by +8% Diversified Markets Growth… Adj EBITDA Margins Ex FICO Up 130 BPs

Revenue up +7% ex FICO

Adj EBITDA Margin up 130 BPs ex FICO

Diversified Markets revenue up +8% … led by +13% revenue growth in EWS Verifier Diversified Markets

EWS Government revenue up MSD… ~$550M renewals and new business YTD… strong pipeline

Strong AI productivity target of $150M Returned $158M cash to shareholders in 3Q26

FY 2026 FCF $1.0B+...100%+ Cash Conversion

New EFX

in 2026

• +10% Revenue Growth, +7% Ex FICO

• 100 BPs Margin Expansion Ex FICO

• 15%+ Vitality Index

• EFX.AI Driving Products and Productivity

• Círculo Closing Expected in 4Q26

Increasing FY Adj EBITDA Margin Ex FICO Guide to 100 BPs, Strong AI Productivity Progress Against $150M Target

Note: This slide contains forward-looking information, including 2026 guidance. Actual results may differ materially from our historical experience and our present expectations or projections.

Trevor Burns • Investor Relations • trevor.burns@equifax.com

Molly Clegg • Investor Relations • molly.clegg@equifax.com

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