Risk factors
Equifax (EFX) risk factors
Item 1A of every Equifax Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.
- FY2025 10-K risk factors25 risks4 new4 dropped10 reworded
New risks emphasize underpricing, U.S. mortgage tri-bureau report changes, ESG commitments, trade restrictions, and international intellectual-property enforcement.
Filed Feb 19, 2026 - FY2024 10-K risk factors25 risks
Equifax's risk profile centers on ongoing cloud technology migration and heavy reliance on external credit data sources. Regulatory oversight by the CFPB and banking agencies heavily shapes operational compliance. International markets generate nearly a quarter of total revenue, exposing the firm to cross-border risks.
Filed Feb 20, 2025