Equifax faces potential losses from pending Canadian class actions related to a 2017 cybersecurity incident and ongoing investigations by the CFPB. These investigations could result in injunctions, fines, or civil money penalties. Other legal actions and regulatory matters also pose risks of substantial damages. The company's debt covenants, including leverage ratios, could be affected by credit rating downgrades, potentially increasing borrowing costs or limiting access to credit. Uncertainties in the U.S. and international economies, particularly the mortgage market, could impact revenue.

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Equifax experienced revenue growth in the third quarter and first nine months of 2024, driven by growth in U.S. Information Solutions, International, and Workforce Solutions segments. The acquisition of Boa Vista Serviços S.A. contributed to International segment growth. The company has a strong financial position with substantial cash from operations and a $1.5 billion revolving credit facility. Equifax also issued $650 million in senior notes, which could be used for general corporate purposes.

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