Financial Analysis

ACQUISITIONS AND INVESTMENTS 2025 Acquisitions and Investments. In the fourth quarter of 2025, we acquired a company within the Workforce Solutions operating segment to expand our product offerings. 2024 Acquisitions and Investments. We did not complete any acquisitions during 2024. 2023 Acquisitions and Investments. In the first quarter of 2023, we acquired a company in Canada within the International operating segment. On August 7, 2023, we acquired the remaining interest of our investment in BVS, a consumer and commercial credit information company in Brazil, within the International operating segment for total consideration of approximately $870 million consisting of approximately $510 million in cash, 2,171,615 shares of Equifax do Brasil with a fair value of approximately $176 million, and 479,725 shares of Equifax Inc. common stock with a fair value of approximately $95 million. Additionally, we previously owned a 10% investment in BVS with a fair value of approximately $89 million. We have completed the allocation of the purchase prices for the 2023 acquisitions.

BusinessCombinationDisclosureTextBlock

COMMITMENTS AND CONTINGENCIES Legal Settlement Equifax has been named as a defendant in four related class action lawsuits pending in federal courts across the country concerning inquiry disputes on consumers credit files. In January 2026, Equifax and the plaintiffs attorneys who filed the lawsuits reached an agreement in principle to settle the claims at issue on a nationwide and class-wide basis. The parties have filed a notice of settlement with one federal court and expect to provide the same notice in other pending lawsuits. 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 each of these actions and will continue to defend against them. We accrued an estimate of $30.0 million related to these matters in the fourth quarter of 2025, which represents our best estimate of the liability related to global settlement of these matters. Data Processing, Outsourcing Services and Other Agreements We have separate agreements with Google and others to outsource portions of our network and security infrastructure, computer data processing operations, applications development, business continuity and recovery services, help desk service and desktop support functions, operation of our voice and data networks, maintenance and related functions and to provide certain other administrative and operational services. The agreements expire between 2026 and 2033. The estimat …

CommitmentsAndContingenciesDisclosureTextBlock · excerpt; the full note is in the filing

"DEBT Debt outstanding at December 31, 2025 and 2024 was as follows: December 31, 2025 2024 (In millions) Commercial paper (CP) $ 762.0 $ 286.5 Notes, 2.60%, due December 2025 400.0 Notes, 3.25%, due June 2026 275.0 275.0 Notes, 5.10%, due December 2027 750.0 750.0 Notes, 5.10%, due June 2028 700.0 700.0 Debentures, 6.90%, due July 2028 125.0 125.0 Notes, 4.80%, due September 2029 650.0 650.0 Notes, 3.10%, due May 2030 600.0 600.0 Notes, 2.35%, due September 2031 1,000.0 1,000.0 Notes, 7.00%, due July 2037 250.0 250.0 Other 2.2 1.2 Total debt 5,114.2 5,037.7 Less short-term debt and current maturities (1,038.0) (687.7) Less unamortized discounts and debt issuance costs (20.9) (27.2) Total long-term debt, net $ 4,055.3 $ 4,322.8 Scheduled future maturities of debt at December 31, 2025 are as follows: Years ending December 31, Amount (In millions) 2026 $ 1,038.0 2027 750.3 2028 825.3 2029 650.3 2030 600.3 Thereafter 1,250.0 Total debt $ 5,114.2 4.8% Senior Notes. In August 2024, we issued $650 million in aggregate principal amount of 4.8% five -year Senior Notes due 2029 (the ""2029 Notes"") in an underwritten public offering. Interest on the 2029 Notes accrues at a rate of 4.8% per year and is payable semi-annually in arrears on March 15 and September 15 of each year. The net proceeds of the sale of the 2029 Notes were ultimately used for general corporate purposes, including the repayment of borrowings under our then- outstanding delayed draw term loan (the ""Term Loan"") pri …

DebtDisclosureTextBlock · excerpt; the full note is in the filing

Based on the information that management reviews internally for evaluating operating segment performance and nature, amount, timing, and uncertainty of revenue and cash flows affected by economic factors, we disaggregate revenue as follows: Twelve Months Ended December 31, Change Change 2025 2024 2024 2023 Consolidated Operating Revenue 2025 2024 2023 $ % $ % (In millions) Verification Services $ 2,179.8 $ 2,021.9 $ 1,846.2 $ 157.9 8 % $ 175.7 10 % Employer Services 402.5 411.9 469.6 (9.4) (2) % (57.7) (12) % Total Workforce Solutions 2,582.3 2,433.8 2,315.8 148.5 6 % 118.0 5 % Online Information Solutions 1,821.4 1,650.6 1,488.9 170.8 10 % 161.7 11 % Financial Marketing Services 257.1 242.4 231.5 14.7 6 % 10.9 5 % Total U.S. Information Solutions 2,078.5 1,893.0 1,720.4 185.5 10 % 172.6 10 % Latin America 403.4 384.9 290.9 18.5 5 % 94.0 32 % Europe 396.7 369.2 333.2 27.5 7 % 36.0 11 % Asia Pacific 342.3 335.4 345.3 6.9 2 % (9.9) (3) % Canada 271.3 264.8 259.6 6.5 2 % 5.2 2 % Total International 1,413.7 1,354.3 1,229.0 59.4 4 % 125.3 10 % Total operating revenue $ 6,074.5 $ 5,681.1 $ 5,265.2 $ 393.4 7 % $ 415.9 8 %

DisaggregationOfRevenueTableTextBlock

"STOCK-BASED COMPENSATION We have two active share-based award plans, the amended and restated 2008 Omnibus Incentive Plan (the ""2008 Plan"") and the 2023 Omnibus Incentive Plan (the ""2023 Plan"" and, together with the 2008 Plan, the ""Omnibus Plans""). The 2008 Plan was originally approved by our shareholders in 2008 and was amended and restated with shareholder approval in May 2013 to, among other things, increase the reserve for awards under the 2008 Plan by 11 million shares. The 2023 Plan was approved by our shareholders on May 4, 2023, at which time the 2008 Plan was terminated other than with respect to then-outstanding awards under the 2008 Plan. The Omnibus Plans provide our directors, officers and certain key employees (and, in the case of the 2023 Plan, certain consultants and advisors) with stock options, restricted stock units and performance share awards. The Omnibus Plans are described below. We expect to issue common shares held as either treasury stock or new issue shares upon the exercise of stock options or once shares vest pursuant to restricted stock units or performance share awards. Total stock-based compensation expense in our Consolidated Statements of Income during the twelve months ended December 31, 2025, 2024 and 2023 was as follows: Twelve Months Ended December 31, 2025 2024 2023 (In millions) Cost of services $ 13.3 $ 13.4 $ 14.5 Selling, general and administrative expenses 65.1 68.2 57.3 Stock-based compensation expense, before income taxes $ …

DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock · excerpt; the full note is in the filing

GOODWILL AND INTANGIBLE ASSETS Goodwill. Goodwill represents the cost in excess of the fair value of the net assets acquired in a business combination. As discussed in Note 1, goodwill is tested for impairment at the reporting unit level on an annual basis and on an interim basis if an event occurs or circumstances change that would more likely than not reduce the fair value of a reporting unit below its carrying value. We perform our annual goodwill impairment tests as of December 1 each year. The fair value estimates for our reporting units were determined using a combination of the income and market approaches in accordance with the Companys methodology. Our annual impairment tests as of December 1, 2025, 2024 and 2023 resulted in no impairment of goodwill. Changes in the amount of goodwill for the twelve months ended December 31, 2025 and 2024, are as follows: Workforce Solutions U.S. Information Solutions International Total (In millions) Balance, December 31, 2023 $ 2,520.2 $ 2,006.2 $ 2,303.5 $ 6,829.9 Adjustments to initial purchase price allocation (68.7) (68.7) Foreign currency translation (0.4) (213.0) (213.4) Balance, December 31, 2024 2,519.8 2,006.2 2,021.8 6,547.8 Acquisitions 54.1 54.1 Foreign currency translation 0.2 143.6 143.8 Balance, December 31, 2025 $ 2,574.1 $ 2,006.2 $ 2,165.4 $ 6,745.7 Refer to Note 3 for the acquisitions during the periods presented. Indefinite-Lived Intangible Assets. Indefinite-lived intangible assets consist of indefinite-lived r …

GoodwillAndIntangibleAssetsDisclosureTextBlock · excerpt; the full note is in the filing

INCOME TAXES The provision for income taxes consisted of the following: Twelve Months Ended December 31, 2025 2024 2023 (In millions) Current: Federal $ 94.3 $ 169.9 $ 155.5 State 37.1 38.3 24.2 Foreign 69.0 61.9 56.7 200.4 270.1 236.4 Deferred: Federal 36.3 (47.7) (50.2) State 0.9 (0.3) 12.4 Foreign (7.0) (18.9) (32.4) 30.2 (66.9) (70.2) Provision for income taxes $ 230.6 $ 203.2 $ 166.2 The components of consolidated income before income taxes were as follows: Twelve Months Ended December 31, 2025 2024 2023 (In millions) U.S. $ 732.9 $ 651.9 $ 573.2 Foreign 162.0 158.6 144.7 Consolidated income before income taxes $ 894.9 $ 810.5 $ 717.9 Beginning in the fiscal year ended December 31, 2025, we adopted ASU 2023-09 prospectively. See Note 1Summary of Significant Accounting PoliciesAdoption of New Accounting Standards for additional details on the adoption of ASU 2023-09. A reconciliation of the U.S. federal statutory income tax rate to our effective income tax rate pursuant to the disclosure requirements of ASU 2023-09 for the year ended December 31, 2025 is as follows: Twelve Months Ended December 31, 2025 Amount % (In millions) U.S. federal statutory income tax rate $ 187.9 21.0 % State and local income taxes, net of federal income tax effect (1) 30.8 3.4 % Foreign tax effects 28.0 3.1 % Effect of cross-border tax laws (7.7) (0.9) % Tax credits Research and development tax credits (19.2) (2.1) % Other (0.1) % Non-taxable or non-deductible items Excess officer's compensation …

IncomeTaxDisclosureTextBlock · excerpt; the full note is in the filing

LEASES We determine if an arrangement is a lease at inception. Operating lease right-of-use (ROU) assets and liabilities are included in other assets, net and other current and long-term liabilities, respectively, in our Consolidated Balance Sheets. Operating lease ROU assets and lease liabilities are recognized based on the present value of the future fixed lease payments over the lease term at the commencement date. As most of our leases do not provide an implicit rate, we use our quarterly incremental borrowing rate based on the information available that corresponds to each lease commencement date and lease term when determining the present value of future payments. Our operating leases principally involve office space. These operating leases may contain variable non-lease components consisting of common area maintenance, operating expenses, insurance and similar costs of the office space that we occupy. We have adopted the practical expedient to not separate these non-lease components from the lease components and instead account for them as a single lease component for all of our leases. The operating lease ROU assets include future fixed lease payments made as well as any initial direct costs incurred and exclude lease incentives. Variable lease payments are not included within the operating lease ROU assets or lease liabilities and are expensed in the period in which they are incurred. Our lease terms may include options to extend or terminate the lease when it is rea …

LesseeOperatingLeasesTextBlock · excerpt; the full note is in the filing

"Adoption of New Accounting Standards. Income Taxes . Beginning in the fiscal year ended December 31, 2025, we adopted Accounting Standards Update (ASU) No. 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures (ASU 2023-09) on a prospective basis. This standard improves the transparency of income tax disclosures by requiring consistent categories and greater disaggregation of information in the effective tax rate reconciliation and income taxes paid disaggregated by jurisdiction. It also includes certain other amendments to improve the effectiveness of income tax disclosures. The adoption of this new standard did not have a material impact on our consolidated financial statements. For additional information, see Note 7Income Taxes. Segment Reporting . In November 2023, the Financial Accounting Standards Board (""FASB"") issued ASU No. 2023-07 ""Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures."" The amendments in this update address the requirement for a public entity to disclose its significant segment expense categories and amounts for each reportable segment. A significant segment expense is any significant expense incurred by the segment, including direct expenses, shared expenses, allocated corporate overhead, or interest expense that is regularly reported to the chief operating decision maker and is included in the measure of segment profit or loss. The disclosure of significant segment expenses is in addition to the cur …

NewAccountingPronouncementsPolicyPolicyTextBlock · excerpt; the full note is in the filing

BENEFIT PLANS We have defined benefit pension plans and defined contribution plans. We also maintain certain healthcare and life insurance benefit plans for eligible retired employees. The measurement date for our defined benefit pension plans and other postretirement benefit plans is December 31 of each year. Pension Benefits. Pension benefits are provided through U.S. defined benefit pension plans and three supplemental executive defined benefit pension plans. U.S. Retirement Plans. We sponsor a qualified defined benefit retirement plan, the U.S. Retirement Income Plan (USRIP), that covers approximately 5% of current U.S. salaried employees who were hired on or before June 30, 2007, the last date on which an individual could be hired and enter the plan before the USRIP was closed to new participation at December 31, 2008. This plan also covers retirees as well as certain terminated but vested individuals not yet in retirement status. Effective December 31, 2014, the USRIP plan was frozen for all participants eligible to accrue benefits. Accordingly, pension plan participants earn no new benefits under the plan formula. In 2023, the Company announced a program to offer a voluntary lump-sum pension payout to certain eligible active employees and former employees in the USRIP which would settle the Companys obligation to them. The program provided participants with a limited time opportunity to elect to receive a lump-sum settlement of their pension benefit or begin to receive …

PensionAndOtherPostretirementBenefitsDisclosureTextBlock · excerpt; the full note is in the filing

RESTRUCTURING CHARGES Restructuring costs consist of severance costs, contract termination and associated costs, and other exit and disposal costs. Severance costs relate to a reduction in headcount, contract termination costs primarily relate to penalties for early termination of contracts and associated costs of transition and other exit and disposal costs primarily relate to real estate exit costs. During the twelve months ended December 31, 2025, we recorded $49.9 million of restructuring charges, all of which were recorded in selling, general and administrative expenses within our Consolidated Statements of Income. These charges were recorded to general corporate expense and resulted from our continuing efforts to realign our internal resources to support the Companys global strategic objectives and primarily relate to reductions in headcount, as well as contract terminations and associated costs, which resulted from our efforts to complete our cloud technology transformation. During the twelve months ended December 31, 2024, we recorded $48.0 million of restructuring charges for the realignment of resources and other costs, all of which were recorded in selling, general and administrative expenses within our Consolidated Statements of Income. These charges were recorded to general corporate expense and predominantly related to our ongoing efforts toward completion of our technology transformation in order to support the Companys strategic objectives. During the twelve m …

RestructuringAndRelatedActivitiesDisclosureTextBlock · excerpt; the full note is in the filing

REVENUE Revenue Recognition. Based on the information that management reviews internally for evaluating operating segment performance and nature, amount, timing, and uncertainty of revenue and cash flows affected by economic factors, we disaggregate revenue as follows: Twelve Months Ended December 31, Change Change 2025 2024 2024 2023 Consolidated Operating Revenue 2025 2024 2023 $ % $ % (In millions) Verification Services $ 2,179.8 $ 2,021.9 $ 1,846.2 $ 157.9 8 % $ 175.7 10 % Employer Services 402.5 411.9 469.6 (9.4) (2) % (57.7) (12) % Total Workforce Solutions 2,582.3 2,433.8 2,315.8 148.5 6 % 118.0 5 % Online Information Solutions 1,821.4 1,650.6 1,488.9 170.8 10 % 161.7 11 % Financial Marketing Services 257.1 242.4 231.5 14.7 6 % 10.9 5 % Total U.S. Information Solutions 2,078.5 1,893.0 1,720.4 185.5 10 % 172.6 10 % Latin America 403.4 384.9 290.9 18.5 5 % 94.0 32 % Europe 396.7 369.2 333.2 27.5 7 % 36.0 11 % Asia Pacific 342.3 335.4 345.3 6.9 2 % (9.9) (3) % Canada 271.3 264.8 259.6 6.5 2 % 5.2 2 % Total International 1,413.7 1,354.3 1,229.0 59.4 4 % 125.3 10 % Total operating revenue $ 6,074.5 $ 5,681.1 $ 5,265.2 $ 393.4 7 % $ 415.9 8 %

RevenueFromContractWithCustomerTextBlock

"SEGMENT INFORMATION Reportable Segments. We manage our business and report our financial results through the following three reportable segments, which are the same as our operating segments: Workforce Solutions U.S. Information Solutions (""USIS"") International The accounting policies of the reportable segments are the same as those described in our summary of significant accounting policies (see Note 1). We evaluate the performance of these reportable segments based on their operating revenue, operating income and operating margins, excluding any unusual or infrequent items, if any. The measurement criteria for segment profit or loss and segment assets are substantially the same for each reportable segment. Inter-segment sales, expenses and transfers are not material for all periods presented. All transactions between segments are accounted for at fair market value or cost depending on the nature of the transaction and no timing differences occur between segments. Resources are allocated and performance is assessed by our CEO, whom we have determined to be our Chief Operating Decision Maker (""CODM""). The Company prepares a budget of expected financial performance for each of its operating segments on an annual basis. The CODM considers actual results of operating income to those budgeted for each of the operating segments to assess segment performance and decide how to allocate resources. A summary of segment products and services is as follows: Workforce Solutions. Thi …

SegmentReportingDisclosureTextBlock · excerpt; the full note is in the filing

ACCUMULATED OTHER COMPREHENSIVE LOSS Changes in accumulated other comprehensive loss by component, after tax, for the twelve months ended December 31, 2025 and 2024 are as follows: Foreign currency translation adjustment Pension and other postretirement benefit plans Cash flow hedging transactions Total (In millions) Balance, December 31, 2023 $ (426.7) $ (3.6) $ (0.9) $ (431.2) Other comprehensive (loss) income before reclassifications (291.7) 0.1 (291.6) Amounts reclassified from accumulated other comprehensive loss 0.1 0.1 Balance, December 31, 2024 (718.4) (3.5) (0.8) (722.7) Other comprehensive income before reclassifications 205.4 0.1 205.5 Amounts reclassified from accumulated other comprehensive loss 0.1 0.1 Balance, December 31, 2025 $ (513.0) $ (3.4) $ (0.7) $ (517.1) The change in accumulated other comprehensive loss related to noncontrolling interests including redeemable noncontrolling interests for the twelve months ended December 31, 2025 and 2024, was an increase of $14.2 million and a decrease of $29.3 million, respectively, primarily related to foreign currency translation. …

StockholdersEquityNoteDisclosureTextBlock · excerpt; the full note is in the filing

ACQUISITIONS AND INVESTMENTS We did not complete any acquisitions during the three and six months ended June 30, 2026 and 2025.

BusinessCombinationDisclosureTextBlock

COMMITMENTS AND CONTINGENCIES Inquiry Disputes Litigation Equifax has been named as a defendant in four related class action lawsuits pending in federal courts across the country concerning inquiry disputes on consumers credit files. In January 2026, Equifax and the plaintiffs attorneys who filed the lawsuits reached an agreement in principle to settle the claims at issue on a nationwide and class-wide basis. The parties have filed a notice of settlement with one federal court and expect to provide the same notice in other pending lawsuits. 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 each of these actions and will continue to defend against them. We accrued an estimate of $30.0 million related to these matters in the fourth quarter of 2025, which represents our best estimate of the liability related to global settlement of these matters. FCRA Litigation On August 3, 2022, a lawsuit was filed against us in the U.S. District Court for the Northern District of Georgia alleging violations of certain sections of the Fair Credit Reporting Act (FCRA) in connection with a previously-disclosed coding issue which impacted how some credit scores were calculated during a three-week period. In June 2026, Equifax and the plaintiffs attorneys who filed the lawsuit reached an agreement in principle to settle the claims at issue on a nationwide and class-wide basis. …

CommitmentsAndContingenciesDisclosureTextBlock · excerpt; the full note is in the filing

"DEBT Debt outstanding at June 30, 2026 and December 31, 2025 was as follows: June 30, 2026 December 31, 2025 (In millions) Commercial paper (""CP"") $ 1,397.0 $ 762.0 Notes, 3.25%, due June 2026 275.0 Notes, 5.10%, due December 2027 750.0 750.0 Notes, 5.10%, due June 2028 700.0 700.0 Debentures, 6.90%, due July 2028 125.0 125.0 Notes, 4.80%, due September 2029 650.0 650.0 Notes, 3.10%, due May 2030 600.0 600.0 Notes, 2.35%, due September 2031 1,000.0 1,000.0 Notes, 7.00%, due July 2037 250.0 250.0 Other 13.3 2.2 Total debt 5,485.3 5,114.2 Less short-term debt and current maturities (1,410.3) (1,038.0) Less unamortized discounts and debt issuance costs (18.2) (20.9) Total long-term debt, net $ 4,056.8 $ 4,055.3 Senior Credit Facility. We have access to a $2.0 billion five year unsecured revolving credit facility (the Revolver). During the second quarter of 2026, we increased the commitments of the Revolver from an aggregate principal amount of $1.5 billion to an aggregate principal amount of $2.0 billion and, with respect to $1.9 billion of the aggregate Revolver commitments, the termination date was extended by one year from August 25, 2028 to August 25, 2029. The termination date with respect to the remaining $100 million of the Revolver commitments is August 25, 2028. Availability of the Revolver is reduced by the outstanding principal balance of our CP notes and by any letters of credit issued under the Revolver. As of June 30, 2026, there were $1.4 billion of outstanding …

DebtDisclosureTextBlock · excerpt; the full note is in the filing

Based on the information that management reviews internally for evaluating operating segment performance and nature, amount, timing, and uncertainty of revenue and cash flows affected by economic factors, we disaggregate revenue as follows: Three Months Ended June 30, Change Six Months Ended June 30, Change Consolidated Operating Revenue 2026 2025 $ % 2026 2025 $ % (In millions) (In millions) Verification Services $ 607.6 $ 567.1 $ 40.5 7 % $ 1,179.0 $ 1,069.3 $ 109.7 10 % Employer Services 97.8 95.0 2.8 3 % 209.5 211.4 (1.9) (1) % Total Workforce Solutions 705.4 662.1 43.3 7 % 1,388.5 1,280.7 107.8 8 % Online Information Solutions 545.4 457.8 87.6 19 % 1,099.1 905.9 193.2 21 % Financial Marketing Services 66.2 63.7 2.5 4 % 118.1 115.4 2.7 2 % Total U.S. Information Solutions 611.6 521.5 90.1 17 % 1,217.2 1,021.3 195.9 19 % Latin America 109.0 99.6 9.4 9 % 211.7 193.8 17.9 9 % Europe 101.1 99.2 1.9 2 % 195.0 185.7 9.3 5 % Asia Pacific 99.7 85.3 14.4 17 % 192.3 165.0 27.3 17 % Canada 73.3 69.3 4.0 6 % 144.3 132.5 11.8 9 % Total International 383.1 353.4 29.7 8 % 743.3 677.0 66.3 10 % Total operating revenue $ 1,700.1 $ 1,537.0 $ 163.1 11 % $ 3,349.0 $ 2,979.0 $ 370.0 12 %

DisaggregationOfRevenueTableTextBlock

GOODWILL AND INTANGIBLE ASSETS Goodwill. Goodwill represents the cost in excess of the fair value of the net assets acquired in a business combination. Goodwill is tested for impairment at the reporting unit level on an annual basis and on an interim basis if an event occurs or circumstances change that would more likely than not reduce the fair value of a reporting unit below its carrying value. We perform our annual goodwill impairment test as of December 1 each year. Changes in the amount of goodwill for the six months ended June 30, 2026 are as follows: Workforce Solutions U.S. Information Solutions International Total Balance, December 31, 2025 $ 2,574.1 $ 2,006.2 $ 2,165.4 $ 6,745.7 Adjustments to initial purchase price allocation (1.7) (1.7) Foreign currency translation (0.1) 48.9 48.8 Balance, June 30, 2026 $ 2,572.3 $ 2,006.2 $ 2,214.3 $ 6,792.8 Indefinite-Lived Intangible Assets. Indefinite-lived intangible assets consist of indefinite-lived reacquired rights representing the value of rights which we had granted to various affiliate credit reporting agencies that were reacquired in the U.S. and Canada. At the time we acquired these agreements, they were considered perpetual in nature under the accounting guidance in place at that time and, therefore, the useful lives are considered indefinite. Indefinite-lived intangible assets are not amortized. We are required to test indefinite-lived intangible assets for impairment annually and whenever events or circumstances i …

GoodwillAndIntangibleAssetsDisclosureTextBlock · excerpt; the full note is in the filing

INCOME TAXES Effective Tax Rate Our effective income tax rate was 27.9% for the three months ended June 30, 2026 compared to 26.3% for the three months ended June 30, 2025. Our effective income tax rate was 27.3% for the six months ended June 30, 2026 compared to 26.9% for the six months ended June 30, 2025. Our effective income tax rate was higher for each comparative period in 2026 due to more favorable discrete benefits recorded in 2025, none of which were individually material.

IncomeTaxDisclosureTextBlock

"Recent Accounting Pronouncements. Interim Reporting (Topic 270): Narrow Scope Improvements. On December 8, 2025, the FASB issued ASU 2025-11, Interim Reporting (Topic 270): Narrow Scope Improvements. The ASU improves the navigability of the required interim reporting requirements. The ASU does not change the fundamental nature of interim reporting or expand or reduce current interim disclosure requirements. The update centralizes and clarifies interim reporting requirements by consolidating all interim disclosure rules into Topic 270 and establishing a new ""disclosure principle"" to capture material events occurring after the last annual report. Entities must apply a principle requiring the disclosure of any events or changes that have occurred since the end of the last annual reporting period that have a material impact on the entity (e.g., changes in long-term contracts, new borrowings, or business combinations). The amendments in this Update are effective for interim reporting periods within annual reporting periods beginning after December 15, 2027 and can be applied either prospectively or retrospectively. Early adoption is permitted. We are still evaluating the impact, but do not expect the adoption of the standard to have a material impact on our Consolidated Financial Statements. IntangiblesGoodwill and OtherInternal-Use Software. On September 18, 2025, the FASB issued ASU 2025-06 which amends certain aspects of the accounting for and disclosure of software costs un …

NewAccountingPronouncementsPolicyPolicyTextBlock · excerpt; the full note is in the filing

RESTRUCTURING CHARGES Restructuring costs consist of severance costs, contract termination and associated costs and other exit and disposal costs. Severance costs relate to a reduction in headcount, contract termination costs primarily relate to penalties for early termination of contracts and associated costs of transition and other exit and disposal costs primarily relate to real estate exit costs. During the twelve months ended December 31, 2025, we recorded $49.9 million of restructuring charges, all of which were recorded in selling, general and administrative expenses within our Consolidated Statements of Income. These charges were recorded to general corporate expense and resulted from our continuing efforts to realign our internal resources to support the Companys global strategic objectives and primarily relate to reductions in headcount, as well as contract terminations and associated costs, which resulted from our efforts to complete our cloud technology transformation. As of June 30, 2026, $31.1 million of the 2025 restructuring charges have been paid. …

RestructuringAndRelatedActivitiesDisclosureTextBlock · excerpt; the full note is in the filing

REVENUE Revenue Recognition. Based on the information that management reviews internally for evaluating operating segment performance and nature, amount, timing, and uncertainty of revenue and cash flows affected by economic factors, we disaggregate revenue as follows: Three Months Ended June 30, Change Six Months Ended June 30, Change Consolidated Operating Revenue 2026 2025 $ % 2026 2025 $ % (In millions) (In millions) Verification Services $ 607.6 $ 567.1 $ 40.5 7 % $ 1,179.0 $ 1,069.3 $ 109.7 10 % Employer Services 97.8 95.0 2.8 3 % 209.5 211.4 (1.9) (1) % Total Workforce Solutions 705.4 662.1 43.3 7 % 1,388.5 1,280.7 107.8 8 % Online Information Solutions 545.4 457.8 87.6 19 % 1,099.1 905.9 193.2 21 % Financial Marketing Services 66.2 63.7 2.5 4 % 118.1 115.4 2.7 2 % Total U.S. Information Solutions 611.6 521.5 90.1 17 % 1,217.2 1,021.3 195.9 19 % Latin America 109.0 99.6 9.4 9 % 211.7 193.8 17.9 9 % Europe 101.1 99.2 1.9 2 % 195.0 185.7 9.3 5 % Asia Pacific 99.7 85.3 14.4 17 % 192.3 165.0 27.3 17 % Canada 73.3 69.3 4.0 6 % 144.3 132.5 11.8 9 % Total International 383.1 353.4 29.7 8 % 743.3 677.0 66.3 10 % Total operating revenue $ 1,700.1 $ 1,537.0 $ 163.1 11 % $ 3,349.0 $ 2,979.0 $ 370.0 12 % Remaining Performance Obligation We have elected to disclose only the remaining performance obligations for those contracts with an expected duration of greater than one year and do not disclose the value of remaining performance obligations for contracts in which we recognize rev …

RevenueFromContractWithCustomerTextBlock · excerpt; the full note is in the filing

"SEGMENT INFORMATION Reportable Segments. We manage our business and report our financial results through the following three reportable segments, which are the same as our operating segments: Workforce Solutions U.S. Information Solutions (USIS) International The accounting policies of the reportable segments are the same as those described in our summary of significant accounting policies in Note 1 of the Notes to Consolidated Financial Statements in our 2025 Form 10-K. We evaluate the performance of these reportable segments based on their operating revenue, operating income and operating margins, excluding any unusual or infrequent items, if any. The measurement criteria for segment profit or loss and segment assets are substantially the same for each reportable segment. Inter-segment sales, expenses and transfers are not material for all periods presented. A summary of segment products and services is as follows: Workforce Solutions. This segment provides services enabling customers to verify income, employment, educational history, criminal justice data, healthcare professional licensure and sanctions of people in the U.S., as well as providing our employer customers with services that assist them in complying with and automating certain payroll-related and human resource management processes throughout the entire cycle of the employment relationship, including unemployment cost management, employee screening, employee onboarding, tax credits and incentives, I-9 managem …

SegmentReportingDisclosureTextBlock · excerpt; the full note is in the filing

ACCUMULATED OTHER COMPREHENSIVE LOSS Changes in accumulated other comprehensive loss by component, after tax, for the six months ended June 30, 2026 are as follows: Foreign currency translation adjustment Pension and other postretirement benefit plans Cash flow hedging transactions Total (In millions) Balance, December 31, 2025 $ (513.0) $ (3.4) $ (0.7) $ (517.1) Other comprehensive income 56.8 0.2 57.0 Balance, June 30, 2026 $ (456.2) $ (3.2) $ (0.7) $ (460.1) The change in accumulated other comprehensive loss related to noncontrolling interests including redeemable noncontrolling interests was an increase of $8.4 million and $11.7 million for the six months ended June 30, 2026 and 2025, respectively, related to foreign currency translation adjustments. …

StockholdersEquityNoteDisclosureTextBlock · excerpt; the full note is in the filing