Equifax Releases 2025 Letter to Shareholders

In its 2025 Letter to Shareholders, recently released alongside the company’s Annual Report and Proxy, Equifax underscored the value of its unique, proprietary data and the Equifax AI data moat in an AI-forward business environment. 

With the company’s approximately $3 billion global security and technology transformation – and the creation of the Equifax Cloud™ – principally complete, the letter details how EFX.AI is powering the future of the New Equifax. Central to the company’s 2025 delivery of a record $6.075 billion in revenue, more than 180 New Product Innovations, and a Vitality Index of 15%, is patented EFX.AI technology leveraged alongside unique and proprietary data and an Equifax AI Data Moat that sets the company apart in the industry.

While many companies are expected to be disrupted or disintermediated by AI, Equifax is leveraging AI to disrupt the industry with higher performing, AI-driven solutions fueled by proprietary data. The Equifax data fabric ingests 20 billion records per month globally. This unique and proprietary data is the foundation for the Equifax AI Data Moat as only Equifax can use this data for the development of customer solutions and new products using patented EFX.AI technology. The moat around Equifax data – the protection the company provides to ensure that its data can only be used by customers on a permissioned or aggregated basis and not blended with public, untrusted sources – is critical. 

In an era of standardized AI engines, most AI tools rely on publicly available market data for use in AI models. When AI tools are a shared resource, the data is the difference. The Equifax Cloud and custom data fabric were built to maintain and manage the large volume of diverse, proprietary datasets needed to maximize AI performance. Approximately 90% of Equifax revenue in 2025 was generated through the direct sale of, or through products generated from, proprietary data unique to Equifax.

The Letter also highlighted delivery against the company’s EFX2027 Strategic Priorities, which included:

• More than 400 AI patents secured or pending with more than 40 new AI patents added in 2025.

• 100% of new models and scores powered by EFX.AI, which drove a record more than 180 NPIs and 2025 Vitality Index of 15%.

• Empowered our global team to spend less time on routine items and more time on the complex, creative, and collaborative challenges that drive the New Equifax forward through our AI 4 EFX initiative with almost 90% of global employees and contractors at Equifax leveraging AI tools in 2025.

• Launched E3, a 3-year strategic Operations plan unique to Equifax focused on improving call centers with AI-enabled and AI-assisted call processes.

• AI is driving technology efficiency, with nearly 4,000 software engineers using AI coding tools, producing 6 million lines of AI-generated codes in January alone.

• Listed on the 2025 AIFinTech100 list for our patented, explainable AI technology.

• New OnlyEquifax solutions that include unique income and employment data from The Work Number database and USIS credit and alternative data assets are now available for mortgage, auto, and credit card originations, with personal loan solutions timed for the first half of 2026.

• Achieved National Institute of Security and Technology Cybersecurity Framework score of 4.4–outperforming all major industry benchmarks for the last six years.

• Began using agentic AI to handle routine Security Operation Center alerts, auto-resolving nearly 50% of all SOC incident tickets through automated defenses.

• Completed the acquisition of Vault Verify, a provider of human resources services, including employment and income verification services.

• Took important steps to support credit scoring competition and lower mortgage costs in the U.S. by offering the VantageScore® 4.0 mortgage credit score at $1 and offering free VantageScore access for customers purchasing other scores, to drive adoption and create  opportunities for more consumers. 

The full 2025 Letter to Shareholders, is available for download at investor.equifax.com.

FORWARD-LOOKING STATEMENTS

This article 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 future, including statements relating to our strategy, our long-term financial framework, our future operating results, the expected benefits of our use of artificial intelligence and the pricing strategies, potential benefits and value propositions of product offerings of Equifax and its competitors, 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.