EFX — what changed in the latest 10-Q
A section-by-section comparison of EFX's newest periodic SEC filing (10-K/10-Q) against the prior same-form filing: paragraphs added and removed per section, with verbatim excerpts. Purely a deterministic text diff — no similarity scores, no directional read, not investment advice.
Comparing 10-Q · 2026-10-20 vs the prior 10-Q · 2026-07-21
| Section | Outcome | Added | Removed | Minor | Unchanged |
|---|---|---|---|---|---|
| MD&A | Text added/removed | +34 | −30 | ~40 | 28 |
| Controls & procedures | Text added/removed | +2 | −1 | 0 | 0 |
| Legal proceedings | Text added/removed | 0 | −1 | ~1 | 4 |
| Risk factors | No material changes reported (points to the 10-K) | — | — | — | — |
| Other information | Text added/removed | +2 | −3 | ~1 | 2 |
Counts are paragraphs; added/removed means text added or removed vs the prior filing — no direction or judgement implied.
Not shown (absent or not faithfully extractable): Market risk (Item 3)
Representative excerpts
Up to 5 excerpts of about 300 characters per section, quoted verbatim from the two SEC filings.
MD&A
Text added vs the prior filing · source: 10-Q · 2026-10-20
Our current planning for 2026 assumes that U.S. economic activity, as measured by GDP, will grow at a rate consistent with 2025. We expect U.S. mortgage originations activity in 2026 to be below the levels of activity seen in 2025. The
U.S. mortgage market, particularly the mortgage refinance portion of the U.S. mortgage market, can be significantly impacted by U.S. interest rates which impact mortgage rates available to consumers. In the international markets in which we operate, our planning assumes that economic activity, as me…
Three Months Ended September 30,Nine Months Ended September 30,
•On April 21, 2025, our Board of Directors approved an authorization to repurchase up to $3 billion of shares of common stock. During the third quarter of 2026, we repurchased 532,391 shares of our common stock on the open market for $92.0 million, excluding brokerage commissions and excise taxes of…
During the first nine months of 2026, we repurchased 3,640,019 shares of our common stock on the open market for $652.0 million, excluding brokerage commissions and excise taxes of $5.8 million. During the first nine months of 2025, we repurchased 1,716,868 shares of our common stock on the open mar…
Text removed vs the prior filing · source: 10-Q · 2026-07-21
Our current planning for 2026 assumes that U.S. economic activity, as measured by GDP, will grow at a rate consistent with 2025. We expect U.S. mortgage originations activity in 2026 to be slightly below the levels of activity seen in 2025. The U.S. mortgage market, particularly the mortgage refinan…
•On April 21, 2025, the Board of Directors terminated the existing share repurchase authorization and approved an authorization to repurchase up to $3 billion of shares of common stock. We repurchased 1,763,013 shares of our common stock on the open market for $300.0 million, excluding brokerage com…
•On February 25, 2026, the Board of Directors approved an increase in our quarterly cash dividend to $0.56 per share beginning in the first quarter of 2026. We paid out $133.5 million, or $1.12 per share, in dividends to our shareholders during the first six months of 2026.
RESULTS OF OPERATIONS—THREE AND SIX MONTHS ENDED JUNE 30, 2026 AND 2025
Three Months Ended June 30,ChangeSix Months Ended June 30,Change
Controls & procedures
Text added vs the prior filing · source: 10-Q · 2026-10-20
As of the end of the period covered by this report, an evaluation was carried out by the Company’s management, with the participation of our Chief Executive Officer and Chief Financial Officer, of the effectiveness of our disclosure controls and procedures (as defined in Rule 13a-15(e) under the Sec…
Executive Officer and Chief Financial Officer concluded that these disclosure controls and procedures were effective as of the end of the period covered by this report. In addition, no change in our internal control over financial reporting (as defined in Rule 13a-15(f) under the Securities Exchange…
Text removed vs the prior filing · source: 10-Q · 2026-07-21
As of the end of the period covered by this report, an evaluation was carried out by the Company’s management, with the participation of our Chief Executive Officer and Chief Financial Officer, of the effectiveness of our disclosure controls and procedures (as defined in Rule 13a-15(e) under the Sec…
Legal proceedings
Text removed vs the prior filing · source: 10-Q · 2026-07-21
filed a notice of settlement with the court. If the final terms of a settlement agreement cannot be agreed upon, or if the settlement is not ultimately approved by the court, Equifax believes it has valid defenses to this action and will continue to defend against the action.
Other information
Text added vs the prior filing · source: 10-Q · 2026-10-20
Sale of up to 17,641 shares of common stock in multiple transactions
During the quarter ended September 30, 2026, none of our directors or executive officers terminated a Rule 10b5-1 trading plan or adopted or terminated a non-Rule 10b5-1 trading arrangement (as defined in Item 408(c) of Regulation S-K).
Text removed vs the prior filing · source: 10-Q · 2026-07-21
Executive Vice President, Chief Financial Officer and Chief Operations Officer
Sale of up to 8,500 shares of common stock in multiple transactions
During the quarter ended June 30, 2026, none of our directors or executive officers terminated a Rule 10b5-1 trading plan or adopted or terminated a non-Rule 10b5-1 trading arrangement (as defined in Item 408(c) of Regulation S-K).
How to read Risk Factors (Item 1A) in a 10-Q
A 10-Q risk-factor section usually takes one of three forms; this page classifies it as one of:
- Pointer — the filer states there have been no material changes and points back to the annual 10-K risk factors; there is no own risk text to compare this quarter.
- Partial update — the filer carves out specific updated risks ("except as set forth below"); the excerpts show exactly what is new this quarter.
- Restated in full — the quarter carries the complete risk-factor text. When the prior quarter was only a pointer there is no prior full text to diff against, so the page flags the section as restated instead.
This describes the filing structure only — it is never a judgement on whether risk went up or down.
Source: text-level diff of the two SEC EDGAR filings · deterministic (no AI-generated content) · for reference only · not investment advice