Equifax Inc  (EFX)
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Equifax Inc Segments

U.S. Consumer Information Solutions
   46.79 % of total Revenue
Equifax Europe
   9.53 % of total Revenue
Equifax Latin America
   7.76 % of total Revenue
Marketing Services
   7.09 % of total Revenue
Personal Solutions
   10.08 % of total Revenue
Mortgage Services
   4.75 % of total Revenue
   22.3 % of total Revenue
Verification Services
   13.92 % of total Revenue
Employer Services
   6.91 % of total Revenue
   20.83 % of total Revenue

Business Segments (Sep. 30, 2015)
(in millions $)
III. Quarter
(of total Revenues)
(Sep. 30, 2015)
(in millions $)
III. Quarter
(Profit Margin)
U.S. Consumer Information Solutions
312.30 46.79 % 141.50 45.31 %
Equifax Europe
63.60 9.53 % 0.00 -
Equifax Latin America
51.80 7.76 % 0.00 -
Marketing Services
47.30 7.09 % 0.00 -
Personal Solutions
67.30 10.08 % 18.10 26.89 %
Mortgage Services
31.70 4.75 % 0.00 -
148.80 22.3 % 29.60 19.89 %
Verification Services
92.90 13.92 % 0.00 -
Employer Services
46.10 6.91 % 0.00 -
139.00 20.83 % 49.90 35.9 %
667.40 100 % 191.40 28.68 %

• View Income Statement • View Competition by Segment • View Annual Report

Growth rates by Segment (Sep. 30, 2015)
Y/Y Revenue
III. Quarter
Q/Q Revenue
(Sep. 30, 2015)
Y/Y Income
III. Quarter
Q/Q Income
U.S. Consumer Information Solutions
12.1 % -1.08 % 16.65 % -6.6 %
Equifax Europe
-9.27 % 1.76 % - -
Equifax Latin America
5.5 % 1.77 % - -
Marketing Services
- -4.83 % - -
Personal Solutions
24.86 % -0.59 % 6.47 % -3.21 %
Mortgage Services
12.01 % -4.23 % - -
-6.06 % 0.27 % - 0.34 %
Verification Services
22.4 % -1.17 % - -
Employer Services
-1.07 % -11.85 % - -
13.47 % -4.99 % 25.38 % -10.89 %
8.8 % -1.58 % 18.81 % -7.76 %

• View Growth rates • View Competitors Segment Growth • View Market Share

To get more information on Equifax Inc's U.S. Consumer Information Solutions, Equifax Europe, Equifax Latin America, Marketing Services, Personal Solutions, Mortgage Services, International, Verification Services, Employer Services, TALX , Total segment. Select each division with the arrow.

  Equifax Inc's

Business Segments Description

Segment Reporting

We manage our business and report our financial results through the following three reportable segments:

• Equifax North America

• Equifax Europe

• Equifax Latin America

The North American reportable segment is made up of three operating segments:

• Information Services

• Marketing Services

• Consumer Direct

The Europe and Latin America reportable segments are made up of varying mixes of three product lines: Information Services, Marketing Services, and Consumer Direct.

Equifax North America is our largest reportable segment and includes results of our Information Services, Marketing Services, and Consumer Direct operating segments in the United States and Canada.

Our strategic objective for Equifax North America is to provide products that:

• Enable customers to utilize an individual's or small business's credit history in determining whom to do business with;

• Assist customers in reducing the impact of fraudulent activities;

• Assist companies in the management of their credit portfolios;

• Enable customers to manage their debt recovery activities;

• Enable customers to market specific products and services to consumers;

• Enable customers to develop marketing strategies for cross-selling other products and services to their entire customer base;

• Enlighten, empower and enable consumers to manage information on their personal credit and financial histories; and

• Enable customers to comply with Federal legislation in their customer management and ID verification processes.

Our Predictive Sciences solutions include (1) the statistical analysis of data, (2) the integration of software and computer technology to execute decision rules, and (3) consulting in the formulation and execution of decision strategies to maximize revenue opportunities for the customers of our Information and Marketing Services businesses. We also sell our services to institutions that may not be customers for our information services utilizing our data agnostic capabilities and technologies.

Information Services

In Equifax North America, our Information Services operating segment consists of the following components: Consumer Services, Commercial Services, Mortgage Services and our Canadian Operations.

Our Consumer Services products and services are derived from the credit information that we maintain about individual consumers, and are the dominant products and services in our Equifax North America segment. We maintain information on more than 220 million consumers in North America, where we are a market leader in Consumer Services. We offer a full range of Consumer Services products in our North America markets, including credit reporting, credit scoring, mortgage reporting, prescreen services, risk management, fraud detection and modeling services, and certain of our decisioning products that facilitate pre-approved offers of credit that automate a variety of decisions.

Our customers utilize the information we provide to make decisions for a wide range of credit and business purposes, such as whether to, and on what terms to, approve mortgage or auto loans, credit card applications, identity verification, and similar business uses. Risk management and fraud detection and prevention services enable banks and financial institutions to monitor default rates by proactively managing their existing credit card accounts.

Marketing Services

Our Marketing Services operating segment includes our Credit Marketing and Direct Marketing products and services. Our Credit Marketing products and services, available in the United States, Canada, Latin America, and the U.K., utilize our consumer credit information databases through batch processing to help our customers acquire new customers and monitor current relationships using a variety of products and services including prescreen and account review services.

We offer a full range of credit and direct marketing products in the United States, which provide customers with the tools they need to maximize and manage their customer marketing efforts, effectively utilize a variety of marketing methods, efficiently identify and acquire new customers, and realize additional revenue from existing customers. Our Marketing Services products enable customers to:

• Identify, target, and reach the best prospects and customers;

• Utilize our accurate and powerful consumer databases to manage their customer portfolios;

• Segment customers according to particular criteria;

• Select from specialty, self-reported, or permission-based direct mailing lists;

• Easily access online customer mailing lists;

• Use "what-if" scenarios to create customized mailing lists online;

• Improve their direct mail response rate; and

• Reduce costs associated with unwanted or unnecessary mailings.

We provide Direct Marketing Services products, such as compiled, self-reported and permission-based consumer marketing databases and services, and integrated precision marketing tools that enable marketers to identify, target, and build consumer relationships through postal and email marketing. Our targeted, high quality, demographic and lifestyle information lists, and list performance services, which include data enhancement, list hygiene, modeling and analytical consulting, facilitate improved direct mail response, and increased customer loyalty. Our products enable customers to target specifically defined market segments, individuals, and to design more effective and economically efficient marketing campaigns. Customers include financial institutions, insurers, catalogers, publishers, technology companies, manufacturers and telecommunications companies.

Consumer Direct

We offer credit information directly to consumers in the United States via the Internet at www.equifax.com. Equifax Credit Profile® provides secure online access to a user-friendly credit report, Equifax Credit Watch™ is a subscription service that assists consumers in protecting against identity fraud, ScorePower® gives consumers access to their BEACON 96™ score and our 3-in-1 Credit Report™ combines reports from the three U.S. credit reporting agencies. We also offer insurance reports and scores and offline, paper versions of our products. In September 2003, we began offering Equifax Credit Profile to U.K. consumers. We now offer our consumer products in the U.S., Canada and the U.K. and intend to continue expanding our product offerings geographically through creative marketing strategies for profitable growth. Customers of our Consumer Direct products include consumers, as well as businesses that offer Consumer Direct products to their customers.

Equifax Europe

The Equifax Europe segment consists of our operations conducted in the United Kingdom, Ireland, Spain, Italy, and Portugal.

Our Information Services product line is sold in each country that makes up the Equifax Europe segment except for Ireland, where we have support operations. These products are based on more than 45 million consumer credit records that we maintain. The Consumer Services products we provide in Equifax Europe include credit reporting, credit scoring, risk management, fraud detection, and modeling services. Our Commercial Services products, such as credit reporting and commercial risk management services, are also available predominately in the United Kingdom. During the third quarter of 2002 we made the decision to exit the Commercial Services business in Spain and this business is now held for sale and reported as Discontinued Operations.

Equifax Latin America

The Equifax Latin America segment consists of our operations conducted in Brazil, Argentina, Chile, El Salvador, Peru, and Uruguay, Brazil. We employ approximately 1,060 employees in the Equifax Latin America segment. Our Information Services product and services line is sold in each country of Equifax Latin America and our Consumer Services products and services are the dominant source of revenue in each of these countries, with the exception of Brazil. We offer a full range of Consumer Services products based on the consumer credit records that we maintain on more than 72 million consumers in Latin America, including: credit reporting, credit scoring, risk management, identity verification, and fraud detection services


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