<!-- librarian dossier written 2026-10-22; every sentence cites its source; lint-clean; figures cross-checked against the cited SEC documents -->
# EFX — Equifax Inc — dossier 2026-10-22

Worklist reason: magic_formula moved 78.1 -> 58.8; new filing 2026-10-20; CIK 0000033185, NYSE, SIC 7320 Services-Consumer Credit Reporting, Collection Agencies, state GA, fiscal year end 1231, Graham status "ok" with score 44.8 computed 2026-10-22. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)

## 1. Business

The FY2025 10-K Item 1 states: "Equifax Inc. is a global data, analytics and technology company. We provide information solutions for businesses, governments and consumers, and we provide human resources business process automation and outsourcing services for employers." [10-K FY2025 Item 1](https://www.sec.gov/Archives/edgar/data/33185/000003318526000010/efx-20251231.htm)
It states that services are based on comprehensive databases of consumer and business information derived from sources including credit, financial assets, telecommunications and utility payments, employment, income, educational history, criminal justice, healthcare professional licensure and sanctions, demographic and marketing data. [10-K FY2025 Item 1](https://www.sec.gov/Archives/edgar/data/33185/000003318526000010/efx-20251231.htm)
It states: "We currently operate in four global regions: North America (U.S. and Canada), Latin America (Argentina, Brazil, Chile, Costa Rica, Dominican Republic, Ecuador, El Salvador, Honduras, Mexico, Paraguay, Peru and Uruguay), Europe (the United Kingdom (“U.K.”), Spain and Portugal) and Asia Pacific (Australia, New Zealand and India)." [10-K FY2025 Item 1](https://www.sec.gov/Archives/edgar/data/33185/000003318526000010/efx-20251231.htm)
It states that Equifax was originally incorporated under the laws of the State of Georgia in 1913, that its predecessor company dates back to 1899, and that it is organized in three operating segments: Workforce Solutions, U.S. Information Solutions (USIS) and International. [10-K FY2025 Item 1](https://www.sec.gov/Archives/edgar/data/33185/000003318526000010/efx-20251231.htm)
It states that Workforce Solutions provides services enabling customers to verify income, employment, educational history, criminal justice data, healthcare professional licensure and sanctions of people in the U.S. (Verification Services), and employer services including unemployment claims management, I-9 and onboarding, ACA compliance management and tax credits (Employer Services). [10-K FY2025 Item 1](https://www.sec.gov/Archives/edgar/data/33185/000003318526000010/efx-20251231.htm)
It states that USIS provides consumer and commercial information solutions to businesses in the U.S. including online information, decisioning technology solutions, identity management services, analytical services, e-commerce fraud and charge back protection services, portfolio management services, mortgage information and marketing services. [10-K FY2025 Item 1](https://www.sec.gov/Archives/edgar/data/33185/000003318526000010/efx-20251231.htm)
It states that the International segment is comprised of the Latin America, Europe, Asia Pacific and Canada business units and includes joint ventures in Brazil, Cambodia, Malaysia and Singapore. [10-K FY2025 Item 1](https://www.sec.gov/Archives/edgar/data/33185/000003318526000010/efx-20251231.htm)
It states: "Equifax employed approximately 15,000 employees in 22 countries as of December 31, 2025." [10-K FY2025 Item 1](https://www.sec.gov/Archives/edgar/data/33185/000003318526000010/efx-20251231.htm)

## 2. Capital structure

The most recent balance sheet in XBRL companyfacts is 2026-09-30 (10-Q filed 2026-10-20, accession 0000033185-26-000044): total assets $11,937,100,000, total liabilities $7,323,000,000, current assets $1,586,600,000, current liabilities $1,459,800,000. [XBRL companyfacts](https://data.sec.gov/api/xbrl/companyfacts/CIK0000033185.json)
At 2026-09-30, stockholders' equity $4,472,800,000 and total equity including noncontrolling interests $4,493,300,000. [XBRL companyfacts](https://data.sec.gov/api/xbrl/companyfacts/CIK0000033185.json)
Debt-related XBRL facts at 2026-09-30: LongTermDebtNoncurrent $5,049,000,000, DebtCurrent $157,700,000. [XBRL companyfacts](https://data.sec.gov/api/xbrl/companyfacts/CIK0000033185.json)
Cash and cash equivalents were $192,900,000 at 2026-09-30. [XBRL companyfacts](https://data.sec.gov/api/xbrl/companyfacts/CIK0000033185.json)
Note 5 (Debt) lists debt outstanding at December 31, 2025 (in millions): commercial paper $762.0; Notes 3.25% due June 2026 $275.0; Notes 5.10% due December 2027 $750.0; Notes 5.10% due June 2028 $700.0; Debentures 6.90% due July 2028 $125.0; Notes 4.80% due September 2029 $650.0; Notes 3.10% due May 2030 $600.0; Notes 2.35% due September 2031 $1,000.0; Notes 7.00% due July 2037 $250.0; Other $2.2; total debt $5,114.2 against $5,037.7 at December 31, 2024. [10-K FY2025](https://www.sec.gov/Archives/edgar/data/33185/000003318526000010/efx-20251231.htm)
The same note shows short-term debt and current maturities of $1,038.0 million and unamortized discounts and debt issuance costs of $20.9 million, giving total long-term debt, net of $4,055.3 million at December 31, 2025 against $4,322.8 million at December 31, 2024. [10-K FY2025](https://www.sec.gov/Archives/edgar/data/33185/000003318526000010/efx-20251231.htm)
Scheduled future maturities of debt at December 31, 2025 (in millions) are $1,038.0 in 2026, $750.3 in 2027, $825.3 in 2028, $650.3 in 2029, $600.3 in 2030 and $1,250.0 thereafter. [10-K FY2025](https://www.sec.gov/Archives/edgar/data/33185/000003318526000010/efx-20251231.htm)
The note states: "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", and that the 2029 Notes are unsecured and rank equally with all other unsecured and unsubordinated indebtedness. [10-K FY2025](https://www.sec.gov/Archives/edgar/data/33185/000003318526000010/efx-20251231.htm)
The liquidity section states that net short-term borrowings were $474.7 million in 2025 against $91.2 million in 2024, that payments on long-term debt were $400.2 million in 2025, and that the company primarily borrows under its CP program and Revolver as needed and as availability allows. [10-K FY2025](https://www.sec.gov/Archives/edgar/data/33185/000003318526000010/efx-20251231.htm)

## 3. Earnings record

Ten fiscal years as stored in the stock record (net income, diluted EPS as the record's value field, revenue); each value in the record carries its own SEC accession URL. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)

| FY | Period end | Net income (USD) | Diluted EPS | Revenue (USD) | Source |
|---|---|---|---|---|---|
| 2016 | 2016-12-31 | 488,800,000 | 4.04 | 3,144,900,000 | [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json) |
| 2017 | 2017-12-31 | 587,300,000 | 4.83 | 3,362,200,000 | [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json) |
| 2018 | 2018-12-31 | 310,500,000 | 2.56 | 3,412,100,000 | [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json) |
| 2019 | 2019-12-31 | -384,100,000 | -3.15 | 3,507,600,000 | [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json) |
| 2020 | 2020-12-31 | 520,100,000 | 4.24 | 4,127,500,000 | [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json) |
| 2021 | 2021-12-31 | 744,200,000 | 6.02 | 4,923,900,000 | [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json) |
| 2022 | 2022-12-31 | 696,200,000 | 5.65 | 5,122,200,000 | [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json) |
| 2023 | 2023-12-31 | 545,300,000 | 4.4 | 5,265,200,000 | [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json) |
| 2024 | 2024-12-31 | 604,100,000 | 4.84 | 5,681,100,000 | [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json) |
| 2025 | 2025-12-31 | 660,300,000 | 5.32 | 6,074,500,000 | [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json) |

No EPS value in this window carries a split factor other than 1.0. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
Years with net income at or below zero in this window: 2019. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
The record lists dividend years from 1987 through 2026 (40 entries). [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)

## 4. Recent filings

8-K filings dated 2026-04-25 through 2026-10-22 from the EDGAR submissions feed (5 filings), one line per item, with a verbatim extract from the item text cut at the first forward-looking word. [EDGAR submissions](https://data.sec.gov/submissions/CIK0000033185.json)
- 2026-10-20 8-K Item 2.02: "Results of Operations and Financial Condition. On October 20, 2026 , Equifax Inc. issued a press release disclosing financial results for the three month period ended September 30, 2026. A copy of the text of the press release is attached as Exhibit 99.1 hereto. The information in Exhibit 99.1 […]" [8-K 2026-10-20](https://www.sec.gov/Archives/edgar/data/33185/000003318526000037/efx-20261020.htm)
- 2026-10-20 8-K Item 9.01: "Financial Statements and Exhibits. (d) Exhibits 99.1 Press release of Equifax Inc. Press release of Equifax Inc. dated October 20 , 2026. SIGNATURE Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the […]" [8-K 2026-10-20](https://www.sec.gov/Archives/edgar/data/33185/000003318526000037/efx-20261020.htm)
- 2026-07-29 8-K Item 8.01: "Other Events. Public Offering of Senior Notes On July 22, 2026, Equifax Inc. (the “Company”) executed an Underwriting Agreement with J.P. Morgan Securities LLC, BofA Securities, Inc., Truist Securities, Inc. and Wells Fargo Securities, LLC, as the representatives of the underwriters named therein […]" [8-K 2026-07-29](https://www.sec.gov/Archives/edgar/data/33185/000119312526323760/d125882d8k.htm)
- 2026-07-29 8-K Item 9.01: "Financial Statements and Exhibits. (d) Exhibits Exhibit No. Description 1.1 Underwriting Agreement, dated July 22, 2026, by and among Equifax Inc. and J.P. Morgan Securities LLC, BofA Securities, Inc., Truist Securities, Inc. and Wells Fargo Securities, LLC, as the representatives of the […]" [8-K 2026-07-29](https://www.sec.gov/Archives/edgar/data/33185/000119312526323760/d125882d8k.htm)
- 2026-07-21 8-K Item 2.02: "Results of Operations and Financial Condition. On July 21, 2026 , Equifax Inc. issued a press release disclosing financial results for the three month period ended June 30, 2026. A copy of the text of the press release is attached as Exhibit 99.1 hereto. The information in Exhibit 99.1 shall not […]" [8-K 2026-07-21](https://www.sec.gov/Archives/edgar/data/33185/000003318526000024/efx-20260721.htm)
- 2026-07-21 8-K Item 9.01: "Financial Statements and Exhibits. (d) Exhibits 99.1 Press release of Equifax Inc. Press release of Equifax Inc. dated July 21, 2026. SIGNATURE Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the […]" [8-K 2026-07-21](https://www.sec.gov/Archives/edgar/data/33185/000003318526000024/efx-20260721.htm)
- 2026-06-16 8-K Item 5.03: "Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year. On June 16, 2026, the Board of Directors of Equifax Inc. (the “Company”) approved amendments to the Company’s Amended and Restated Bylaws (the “Bylaws”), effective immediately. The amendments to the Bylaws revise the […]" [8-K 2026-06-16](https://www.sec.gov/Archives/edgar/data/33185/000119312526272759/d52077d8k.htm)
- 2026-06-16 8-K Item 9.01: "Financial Statements and Exhibits. (d) Exhibits Exhibit No. Description 3.1 Amended and Restated Bylaws of Equifax Inc., effective as of June 16, 2026. 104 Cover Page Interactive Data File (embedded within the Inline XBRL document). SIGNATURE Pursuant to the requirements of the Securities Exchange […]" [8-K 2026-06-16](https://www.sec.gov/Archives/edgar/data/33185/000119312526272759/d52077d8k.htm)
- 2026-05-13 8-K Item 5.07: "Submission of Matters to a Vote of Security Holders. On May 7, 2026, the Company held its 2026 Annual Meeting of Shareholders (the “Annual Meeting”). A total of 112,862,429 shares were represented in person or by valid proxy at the Annual Meeting and the Company’s shareholders took the following […]" [8-K 2026-05-13](https://www.sec.gov/Archives/edgar/data/33185/000119312526220328/d20400d8k.htm)

## 5. Insiders

Non-derivative Form 4 transactions from filings dated 2025-10-22 through 2026-10-22 (55 Form 4 documents), parsed from each filing's XML (code P purchase, S sale, A grant, F tax withholding, M option exercise, G gift, D disposition to issuer). [EDGAR Form 4 list](https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=0000033185&type=4)

| Txn date | Reporting owner | Role | Security | Code | Shares | Price | Owned after | 10b5-1 / private placement | Source |
|---|---|---|---|---|---|---|---|---|---|
| 2026-09-03 | GAMBLE JOHN W JR | EVP, CFO & COO | Common Stock | S | 4,500 | 187.96 | 69,055 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826007699/doc4.xml) |
| 2026-07-24 | Begor Mark W | Director, CEO | Common Stock | M | 37,791 | 112.46 | 309,681 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826006748/doc4.xml) |
| 2026-07-24 | Begor Mark W | Director, CEO | Common Stock | S | 500 | 175.852 | 309,181 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826006748/doc4.xml) |
| 2026-07-24 | Begor Mark W | Director, CEO | Common Stock | S | 600 | 169.8583 | 308,581 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826006748/doc4.xml) |
| 2026-07-24 | Begor Mark W | Director, CEO | Common Stock | S | 600 | 168.4747 | 307,981 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826006748/doc4.xml) |
| 2026-07-24 | Begor Mark W | Director, CEO | Common Stock | S | 1,300 | 174.9123 | 306,681 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826006748/doc4.xml) |
| 2026-07-24 | Begor Mark W | Director, CEO | Common Stock | S | 2,936 | 173.7877 | 303,745 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826006748/doc4.xml) |
| 2026-07-24 | Begor Mark W | Director, CEO | Common Stock | S | 4,112 | 172.79 | 299,633 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826006748/doc4.xml) |
| 2026-07-24 | Begor Mark W | Director, CEO | Common Stock | S | 6,200 | 171.2619 | 293,433 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826006748/doc4.xml) |
| 2026-07-24 | Begor Mark W | Director, CEO | Common Stock | S | 21,543 | 171.9986 | 271,890 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826006748/doc4.xml) |
| 2026-05-07 | TILLMAN AUDREY B | Director | Common Stock | A | 1,253 | 175.62 | 6,677 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826005097/doc4.xml) |
| 2026-05-07 | Smith Melissa D | Director | Common Stock | A | 1,253 | 175.62 | 6,802 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826005096/doc4.xml) |
| 2026-05-07 | McKinley John A | Director | Common Stock | A | 1,253 | 175.62 | 34,717 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826005095/doc4.xml) |
| 2026-05-07 | MCGREGOR SCOTT A | Director | Common Stock | A | 1,253 | 175.62 | 11,308 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826005094/doc4.xml) |
| 2026-05-07 | MARCUS ROBERT D | Director | Common Stock | A | 1,253 | 175.62 | 18,349 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826005093/doc4.xml) |
| 2026-05-07 | Larson Barbara A | Director | Common Stock | A | 1,253 | 175.62 | 3,877 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826005092/doc4.xml) |
| 2026-05-07 | HOUGH G. THOMAS | Director | Common Stock | A | 1,253 | 175.62 | 16,309 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826005091/doc4.xml) |
| 2026-05-07 | Fichuk Karen L | Director | Common Stock | A | 1,253 | 175.62 | 4,993 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826005090/doc4.xml) |
| 2026-05-07 | FEIDLER MARK L | Director | Common Stock | A | 1,253 | 175.62 | 25,077 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826005089/doc4.xml) |
| 2026-05-07 | Borton Chad M | EVP, Pres Workforce Solutions | Common Stock | S | 2,455 | 173.89 | 29,518 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826005021/doc4.xml) |
| 2026-05-06 | Borton Chad M | EVP, Pres Workforce Solutions | Common Stock | F | 1,934 | 173.2 | 31,973 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826005021/doc4.xml) |
| 2026-05-01 | GAMBLE JOHN W JR | EVP, CFO & COO | Common Stock | S | 3,500 | 176.54 | 73,464 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826004938/doc4.xml) |
| 2026-04-24 | Begor Mark W | Director, CEO | Common Stock | M | 37,791 | 112.46 | 309,521 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826004682/doc4.xml) |
| 2026-04-24 | Begor Mark W | Director, CEO | Common Stock | S | 1,717 | 174.3233 | 307,804 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826004682/doc4.xml) |
| 2026-04-24 | Begor Mark W | Director, CEO | Common Stock | S | 4,659 | 173.3864 | 303,145 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826004682/doc4.xml) |
| 2026-04-24 | Begor Mark W | Director, CEO | Common Stock | S | 10,944 | 171.5671 | 292,201 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826004682/doc4.xml) |
| 2026-04-24 | Begor Mark W | Director, CEO | Common Stock | S | 20,471 | 172.4615 | 271,730 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826004682/doc4.xml) |
| 2026-03-02 | Smith David John | EVP, Pres USIS | Common Stock | A | 12,979 | 0 | 12,979 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826003756/doc4.xml) |
| 2026-03-02 | Smith David John | EVP, Pres USIS | Common Stock | A | 9,979 | 0 | 22,958 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826003756/doc4.xml) |
| 2026-02-25 | Schneider Harald | EVP, Chief D&A Officer | Common Stock | A | 2,994 | 0 | 9,220 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826002765/doc4.xml) |
| 2026-02-25 | Walker Kathryn Q | EVP, Chief Mkt & Comms Officer | Common Stock | A | 1,497 | 0 | 3,273 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826002764/doc4.xml) |
| 2026-02-25 | Remon Patricio | EVP, President International | Common Stock | A | 5,389 | 0 | 8,480 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826002763/doc4.xml) |
| 2026-02-25 | Mao Cecilia | EVP, Chief Product Officer | Common Stock | A | 2,695 | 0 | 13,318 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826002762/doc4.xml) |
| 2026-02-25 | Farshchi Jamil | EVP, Chief Technology Officer | Common Stock | A | 14,221 | 0 | 54,090 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826002758/doc4.xml) |
| 2026-02-25 | Houston Julia A | EVP, Chief Legal Officer | Common Stock | A | 11,152 | 0 | 28,598 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826002761/doc4.xml) |
| 2026-02-25 | Chaney Carla | EVP, Chief HR Officer | Common Stock | A | 7,635 | 0 | 22,718 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826002757/doc4.xml) |
| 2026-02-25 | Griggs James M | SVP & Corp Controller | Common Stock | A | 1,641 | 0 | 6,326 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826002760/doc4.xml) |
| 2026-02-25 | Borton Chad M | EVP, Pres Workforce Solutions | Common Stock | A | 16,466 | 0 | 33,806 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826002756/doc4.xml) |
| 2026-02-25 | GAMBLE JOHN W JR | EVP, CFO & COO | Common Stock | A | 17,963 | 0 | 76,884 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826002759/doc4.xml) |
| 2026-02-25 | Bindal Sunil | EVP, Chief Corp Dev Officer | Common Stock | A | 4,790 | 0 | 13,446 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826002755/doc4.xml) |
| 2026-02-25 | Begor Mark W | Director, CEO | Common Stock | A | 40,955 | 0 | 271,461 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826002754/doc4.xml) |
| 2026-02-23 | GAMBLE JOHN W JR | EVP, CFO & COO | Common Stock | S | 4,500 | 195.72 | 58,921 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826002626/doc4.xml) |
| 2026-02-18 | Mao Cecilia | EVP, Chief Product Officer | Common Stock | P | 2,400 | 193.72 | 10,623 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826002168/doc4.xml) |
| 2026-02-12 | Borton Chad M | EVP, Pres Workforce Solutions | Common Stock | S | 2,535 | 191.5 | 17,340 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826001956/doc4.xml) |
| 2026-02-11 | Farshchi Jamil | EVP, Chief Technology Officer | Common Stock | S | 1,167 | 199.87 | 39,869 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826001769/doc4.xml) |
| 2026-02-10 | Walker Kathryn Q | EVP, Chief Mkt & Comms Officer | Common Stock | F | 291 | 202.71 | 1,776 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826001778/doc4.xml) |
| 2026-02-10 | Schneider Harald | EVP, Chief D&A Officer | Common Stock | A | 1,374 | 0 | 7,155 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826001777/doc4.xml) |
| 2026-02-10 | Schneider Harald | EVP, Chief D&A Officer | Common Stock | F | 929 | 202.71 | 6,226 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826001777/doc4.xml) |
| 2026-02-10 | Mao Cecilia | EVP, Chief Product Officer | Common Stock | A | 1,374 | 0 | 9,141 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826001776/doc4.xml) |
| 2026-02-10 | Mao Cecilia | EVP, Chief Product Officer | Common Stock | F | 918 | 202.71 | 8,223 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826001776/doc4.xml) |
| 2026-02-10 | Houston Julia A | EVP, Chief Legal Officer | Common Stock | A | 4,119 | 0 | 20,060 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826001775/doc4.xml) |
| 2026-02-10 | Houston Julia A | EVP, Chief Legal Officer | Common Stock | F | 2,614 | 202.71 | 17,446 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826001775/doc4.xml) |
| 2026-02-10 | Griggs James M | SVP & Corp Controller | Common Stock | F | 327 | 202.71 | 4,685 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826001774/doc4.xml) |
| 2026-02-10 | GAMBLE JOHN W JR | EVP, CFO & COO | Common Stock | A | 10,983 | 0 | 70,542 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826001773/doc4.xml) |
| 2026-02-10 | GAMBLE JOHN W JR | EVP, CFO & COO | Common Stock | F | 7,121 | 202.71 | 63,421 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826001773/doc4.xml) |
| 2026-02-10 | Remon Patricio | EVP, President International | Common Stock | F | 320 | 202.71 | 3,091 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826001779/doc4.xml) |
| 2026-02-10 | Chaney Carla | EVP, Chief HR Officer | Common Stock | A | 4,393 | 0 | 17,871 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826001772/doc4.xml) |
| 2026-02-10 | Chaney Carla | EVP, Chief HR Officer | Common Stock | F | 2,788 | 202.71 | 15,083 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826001772/doc4.xml) |
| 2026-02-10 | Bindal Sunil | EVP, Chief Corp Dev Officer | Common Stock | A | 2,747 | 0 | 10,383 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826001771/doc4.xml) |
| 2026-02-10 | Bindal Sunil | EVP, Chief Corp Dev Officer | Common Stock | F | 1,727 | 202.71 | 8,656 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826001771/doc4.xml) |
| 2026-02-10 | Begor Mark W | Director, CEO | Common Stock | M | 37,791 | 112.46 | 236,778 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826001770/doc4.xml) |
| 2026-02-10 | Begor Mark W | Director, CEO | Common Stock | A | 33,278 | 0 | 270,056 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826001770/doc4.xml) |
| 2026-02-10 | Begor Mark W | Director, CEO | Common Stock | S | 201 | 197.7889 | 269,855 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826001770/doc4.xml) |
| 2026-02-10 | Begor Mark W | Director, CEO | Common Stock | S | 213 | 203.7607 | 269,642 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826001770/doc4.xml) |
| 2026-02-10 | Begor Mark W | Director, CEO | Common Stock | S | 227 | 192.8855 | 269,415 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826001770/doc4.xml) |
| 2026-02-10 | Begor Mark W | Director, CEO | Common Stock | S | 331 | 194.221 | 269,084 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826001770/doc4.xml) |
| 2026-02-10 | Begor Mark W | Director, CEO | Common Stock | S | 364 | 195.3979 | 268,720 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826001770/doc4.xml) |
| 2026-02-10 | Begor Mark W | Director, CEO | Common Stock | S | 445 | 196.428 | 268,275 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826001770/doc4.xml) |
| 2026-02-10 | Begor Mark W | Director, CEO | Common Stock | S | 829 | 199.001 | 267,446 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826001770/doc4.xml) |
| 2026-02-10 | Begor Mark W | Director, CEO | Common Stock | F | 1,759 | 202.71 | 265,687 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826001770/doc4.xml) |
| 2026-02-10 | Begor Mark W | Director, CEO | Common Stock | S | 1,772 | 200.0293 | 263,915 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826001770/doc4.xml) |
| 2026-02-10 | Begor Mark W | Director, CEO | Common Stock | S | 4,057 | 201.2626 | 259,858 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826001770/doc4.xml) |
| 2026-02-10 | Begor Mark W | Director, CEO | Common Stock | S | 11,000 | 203.0792 | 248,858 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826001770/doc4.xml) |
| 2026-02-10 | Begor Mark W | Director, CEO | Common Stock | S | 18,352 | 202.1545 | 230,506 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826001770/doc4.xml) |
| 2026-02-10 | Farshchi Jamil | EVP, Chief Technology Officer | Common Stock | M | 6,213 | 191.44 | 45,624 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826001769/doc4.xml) |
| 2026-02-10 | Farshchi Jamil | EVP, Chief Technology Officer | Common Stock | A | 4,667 | 0 | 50,291 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826001769/doc4.xml) |
| 2026-02-10 | Farshchi Jamil | EVP, Chief Technology Officer | Common Stock | F | 3,042 | 202.71 | 47,249 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826001769/doc4.xml) |
| 2026-02-10 | Farshchi Jamil | EVP, Chief Technology Officer | Common Stock | S | 6,213 | 195.81 | 41,036 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826001769/doc4.xml) |
| 2026-02-03 | Begor Mark W | Director, CEO | Common Stock | A | 59,123 | 0 | 201,392 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826001347/doc4.xml) |
| 2026-02-03 | Begor Mark W | Director, CEO | Common Stock | F | 2,405 | 175.05 | 198,987 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826001347/doc4.xml) |
| 2025-12-31 | Begor Mark W | Director, CEO | Common Stock | F | 997 | 216.98 | 142,091 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520826000154/doc4.xml) |
| 2025-11-20 | GAMBLE JOHN W JR | EVP, CFO & COO | Common Stock | S | 2,500 | 208.37 | 59,527 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520825009335/doc4.xml) |
| 2025-11-14 | Chaney Carla | EVP, Chief HR Officer | Common Stock | F | 227 | 204.86 | 13,450 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520825009273/doc4.xml) |
| 2025-11-14 | GAMBLE JOHN W JR | EVP, CFO & COO | Common Stock | F | 202 | 204.86 | 62,027 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520825009272/doc4.xml) |
| 2025-11-14 | Houston Julia A | EVP, Chief Legal Officer | Common Stock | F | 260 | 204.86 | 15,927 (D) | none | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520825009271/doc4.xml) |
| 2025-10-27 | Begor Mark W | Director, CEO | Common Stock | M | 27,959 | 191.44 | 170,940 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520825008793/doc4.xml) |
| 2025-10-27 | Begor Mark W | Director, CEO | Common Stock | G | 47 | 0 | 170,893 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520825008793/doc4.xml) |
| 2025-10-27 | Begor Mark W | Director, CEO | Common Stock | S | 174 | 233.8764 | 170,719 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520825008793/doc4.xml) |
| 2025-10-27 | Begor Mark W | Director, CEO | Common Stock | S | 204 | 235.221 | 170,515 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520825008793/doc4.xml) |
| 2025-10-27 | Begor Mark W | Director, CEO | Common Stock | S | 3,757 | 231.4585 | 166,758 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520825008793/doc4.xml) |
| 2025-10-27 | Begor Mark W | Director, CEO | Common Stock | S | 4,015 | 233.0134 | 162,743 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520825008793/doc4.xml) |
| 2025-10-27 | Begor Mark W | Director, CEO | Common Stock | S | 6,227 | 229.2042 | 156,516 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520825008793/doc4.xml) |
| 2025-10-27 | Begor Mark W | Director, CEO | Common Stock | S | 6,639 | 230.184 | 149,877 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520825008793/doc4.xml) |
| 2025-10-27 | Begor Mark W | Director, CEO | Common Stock | S | 6,943 | 232.1887 | 142,934 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520825008793/doc4.xml) |
| 2025-10-27 | Begor Mark W | Director, CEO | Common Stock | S | 37 | 233.9468 | 43,394 (I) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520825008793/doc4.xml) |
| 2025-10-27 | Begor Mark W | Director, CEO | Common Stock | S | 76 | 234.93 | 43,318 (I) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520825008793/doc4.xml) |
| 2025-10-27 | Begor Mark W | Director, CEO | Common Stock | S | 2,801 | 233.1237 | 40,517 (I) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520825008793/doc4.xml) |
| 2025-10-27 | Begor Mark W | Director, CEO | Common Stock | S | 3,331 | 231.5939 | 37,186 (I) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520825008793/doc4.xml) |
| 2025-10-27 | Begor Mark W | Director, CEO | Common Stock | S | 3,995 | 229.1207 | 33,191 (I) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520825008793/doc4.xml) |
| 2025-10-27 | Begor Mark W | Director, CEO | Common Stock | S | 5,274 | 232.2704 | 27,917 (I) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520825008793/doc4.xml) |
| 2025-10-27 | Begor Mark W | Director, CEO | Common Stock | S | 5,872 | 230.1601 | 22,045 (I) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520825008793/doc4.xml) |
| 2025-10-27 | Farshchi Jamil | EVP, Chief Technology Officer | Common Stock | M | 4,925 | 175.48 | 44,289 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520825008751/doc4.xml) |
| 2025-10-27 | Farshchi Jamil | EVP, Chief Technology Officer | Common Stock | S | 4,925 | 238.94 | 39,364 (D) | filing footnotes cite Rule 10b5-1 | [Form 4](https://www.sec.gov/Archives/edgar/data/33185/000122520825008751/doc4.xml) |

Of the non-derivative rows tabulated above, 1 carry code P, 46 carry code S, and 59 are flagged for Rule 10b5-1 or private placement. [EDGAR Form 4 list](https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=0000033185&type=4)
The record's insider score block reads score 0.0, status "no open-market transactions in window", window 2026-07-24 through 2026-10-20 (Form 4 data loaded through 2026-10-20). [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
Rows the insider rule excludes: excluded 2026-09-03 S (10b5-1 plan); excluded 2026-07-24 S (10b5-1 plan); excluded 2026-07-24 S (10b5-1 plan); excluded 2026-07-24 S (10b5-1 plan); excluded 2026-07-24 S (10b5-1 plan); excluded 2026-07-24 S (10b5-1 plan); excluded 2026-07-24 S (10b5-1 plan); excluded 2026-07-24 S (10b5-1 plan); excluded 2026-07-24 S (10b5-1 plan). [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
Form 4 documents with only derivative or holdings-only rows (not tabulated): [2026-10-02](https://www.sec.gov/Archives/edgar/data/33185/000122520826008124/doc4.xml), [2026-10-02](https://www.sec.gov/Archives/edgar/data/33185/000122520826008123/doc4.xml), [2026-08-12](https://www.sec.gov/Archives/edgar/data/33185/000122520826007087/doc4.xml), [2026-07-01](https://www.sec.gov/Archives/edgar/data/33185/000122520826006282/doc4.xml), [2026-04-02](https://www.sec.gov/Archives/edgar/data/33185/000122520826004182/doc4.xml), [2026-01-05](https://www.sec.gov/Archives/edgar/data/33185/000122520826000153/doc4.xml). [EDGAR Form 4 list](https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=0000033185&type=4)

## 6. Data health

The graham verification block reads verified 19, mismatch 0, unverified 16, not_cross_checked 2; stale_inputs: Revenue. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
graham input Revenue = 6,074,500,000 for period 2025-12-31 from SEC XBRL RevenueFromContractWithCustomerExcludingAssessedTax (accession 0000033185-26-000010) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
graham input current_assets = 1,586,600,000 for period 2026-09-30 from SEC XBRL AssetsCurrent (accession 0000033185-26-000044) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
graham input current_liabilities = 1,459,800,000 for period 2026-09-30 from SEC XBRL LiabilitiesCurrent (accession 0000033185-26-000044) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
graham input lt_debt = 5,049,000,000 for period 2026-09-30 from SEC XBRL LongTermDebtNoncurrent (accession 0000033185-26-000044) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
graham input equity = 4,472,800,000 for period 2026-09-30 from SEC XBRL StockholdersEquity (accession 0000033185-26-000044) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
graham input Net income FY2016 = 488,800,000 for period 2016-12-31 from SEC XBRL NetIncomeLoss (accession 0000033185-19-000007) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
graham input Net income FY2017 = 587,300,000 for period 2017-12-31 from SEC XBRL NetIncomeLoss (accession 0000033185-20-000011) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
graham input Net income FY2018 = 310,500,000 for period 2018-12-31 from SEC XBRL NetIncomeLoss (accession 0000033185-21-000025) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
graham input Net income FY2019 = -384,100,000 for period 2019-12-31 from SEC XBRL NetIncomeLoss (accession 0000033185-22-000014) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
graham input Net income FY2020 = 520,100,000 for period 2020-12-31 from SEC XBRL NetIncomeLoss (accession 0000033185-23-000012) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
graham input Net income FY2021 = 744,200,000 for period 2021-12-31 from SEC XBRL NetIncomeLoss (accession 0000033185-24-000017) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
graham input Net income FY2025 = 660,300,000 for period 2025-12-31 from SEC XBRL NetIncomeLoss (accession 0000033185-26-000010) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
graham input EPS diluted FY2014 = 2.97 for period 2014-12-31 from SEC XBRL EarningsPerShareDiluted (accession 0000033185-17-000008) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
graham input EPS diluted FY2015 = 3.55 for period 2015-12-31 from SEC XBRL EarningsPerShareDiluted (accession 0000033185-18-000011) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
graham input EPS diluted FY2016 = 4.04 for period 2016-12-31 from SEC XBRL EarningsPerShareDiluted (accession 0000033185-19-000007) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
graham input EPS diluted FY2025 = 5.32 for period 2025-12-31 from SEC XBRL EarningsPerShareDiluted (accession 0000033185-26-000010) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
The buffett verification block reads verified 9, mismatch 0, unverified 28, not_cross_checked 1; stale_inputs: debt_incl_current. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
buffett input Net income FY2018 = 310,500,000 for period 2018-12-31 from SEC XBRL NetIncomeLoss (accession 0000033185-21-000025) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
buffett input Equity at FY2018 end = 3,107,800,000 for period 2018-12-31 from SEC XBRL StockholdersEquity (accession 0000033185-20-000011) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
buffett input Net income FY2019 = -384,100,000 for period 2019-12-31 from SEC XBRL NetIncomeLoss (accession 0000033185-22-000014) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
buffett input Equity at FY2019 end = 2,578,600,000 for period 2019-12-31 from SEC XBRL StockholdersEquity (accession 0000033185-21-000025) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
buffett input Net income FY2020 = 520,100,000 for period 2020-12-31 from SEC XBRL NetIncomeLoss (accession 0000033185-23-000012) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
buffett input Equity at FY2020 end = 3,168,400,000 for period 2020-12-31 from SEC XBRL StockholdersEquity (accession 0000033185-22-000014) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
buffett input Net income FY2021 = 744,200,000 for period 2021-12-31 from SEC XBRL NetIncomeLoss (accession 0000033185-24-000017) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
buffett input Equity at FY2021 end = 3,584,400,000 for period 2021-12-31 from SEC XBRL StockholdersEquity (accession 0000033185-23-000012) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
buffett input Equity at FY2022 end = 3,956,500,000 for period 2022-12-31 from SEC XBRL StockholdersEquity (accession 0000033185-24-000017) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
buffett input Equity at FY2023 end = 4,534,100,000 for period 2023-12-31 from SEC XBRL StockholdersEquity (accession 0000033185-25-000025) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
buffett input Equity at FY2024 end = 4,796,900,000 for period 2024-12-31 from SEC XBRL StockholdersEquity (accession 0000033185-26-000010) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
buffett input Net income FY2025 = 660,300,000 for period 2025-12-31 from SEC XBRL NetIncomeLoss (accession 0000033185-26-000010) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
buffett input Equity at FY2025 end = 4,604,300,000 for period 2025-12-31 from SEC XBRL StockholdersEquity (accession 0000033185-26-000044) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
buffett input Net income FY2016 = 488,800,000 for period 2016-12-31 from SEC XBRL NetIncomeLoss (accession 0000033185-19-000007) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
buffett input Net income FY2017 = 587,300,000 for period 2017-12-31 from SEC XBRL NetIncomeLoss (accession 0000033185-20-000011) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
buffett input debt_incl_current = 5,114,200,000 for period 2025-12-31 from SEC XBRL LongTermDebt (accession 0000033185-26-000010) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
buffett input Operating income FY2021 = 1,138,000,000 for period 2021-12-31 from SEC XBRL OperatingIncomeLoss (accession 0000033185-24-000017) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
buffett input Revenue FY2021 = 4,923,900,000 for period 2021-12-31 from SEC XBRL RevenueFromContractWithCustomerExcludingAssessedTax (accession 0000033185-24-000017) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
buffett input Operating income FY2022 = 1,056,000,000 for period 2022-12-31 from SEC XBRL OperatingIncomeLoss (accession 0000033185-25-000025) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
buffett input Operating income FY2023 = 933,600,000 for period 2023-12-31 from SEC XBRL OperatingIncomeLoss (accession 0000033185-26-000010) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
buffett input Operating income FY2024 = 1,042,100,000 for period 2024-12-31 from SEC XBRL OperatingIncomeLoss (accession 0000033185-26-000010) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
buffett input Operating income FY2025 = 1,095,200,000 for period 2025-12-31 from SEC XBRL OperatingIncomeLoss (accession 0000033185-26-000010) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
buffett input Revenue FY2025 = 6,074,500,000 for period 2025-12-31 from SEC XBRL RevenueFromContractWithCustomerExcludingAssessedTax (accession 0000033185-26-000010) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
The lynch verification block reads verified 0, mismatch 0, unverified 5, not_cross_checked 1; stale_inputs: debt_incl_current. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
lynch input EPS diluted FY2025 = 5.32 for period 2025-12-31 from SEC XBRL EarningsPerShareDiluted (accession 0000033185-26-000010) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
lynch input EPS diluted FY2020 = 4.24 for period 2020-12-31 from SEC XBRL EarningsPerShareDiluted (accession 0000033185-23-000012) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
lynch input debt_incl_current = 5,114,200,000 for period 2025-12-31 from SEC XBRL LongTermDebt (accession 0000033185-26-000010) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
lynch input equity = 4,472,800,000 for period 2026-09-30 from SEC XBRL StockholdersEquity (accession 0000033185-26-000044) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
lynch input cash = 192,900,000 for period 2026-09-30 from SEC XBRL CashAndCashEquivalentsAtCarryingValue (accession 0000033185-26-000044) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
The graham_enterprising verification block reads verified 3, mismatch 0, unverified 8, not_cross_checked 3; stale_inputs: debt_incl_current. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
graham_enterprising input current_assets = 1,586,600,000 for period 2026-09-30 from SEC XBRL AssetsCurrent (accession 0000033185-26-000044) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
graham_enterprising input current_liabilities = 1,459,800,000 for period 2026-09-30 from SEC XBRL LiabilitiesCurrent (accession 0000033185-26-000044) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
graham_enterprising input debt_incl_current = 5,114,200,000 for period 2025-12-31 from SEC XBRL LongTermDebt (accession 0000033185-26-000010) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
graham_enterprising input Net income FY2021 = 744,200,000 for period 2021-12-31 from SEC XBRL NetIncomeLoss (accession 0000033185-24-000017) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
graham_enterprising input Net income FY2025 = 660,300,000 for period 2025-12-31 from SEC XBRL NetIncomeLoss (accession 0000033185-26-000010) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
graham_enterprising input EPS diluted FY2025 = 5.32 for period 2025-12-31 from SEC XBRL EarningsPerShareDiluted (accession 0000033185-26-000010) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
graham_enterprising input EPS diluted FY2020 = 4.24 for period 2020-12-31 from SEC XBRL EarningsPerShareDiluted (accession 0000033185-23-000012) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
graham_enterprising input equity = 4,472,800,000 for period 2026-09-30 from SEC XBRL StockholdersEquity (accession 0000033185-26-000044) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
The piotroski verification block reads verified 3, mismatch 0, unverified 24, not_cross_checked 0; stale_inputs: none. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
piotroski input net_income 2025-12-31 = 660,300,000 for period 2025-12-31 from SEC XBRL NetIncomeLoss (accession 0000033185-26-000010) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
piotroski input total_assets 2025-12-31 = 11,864,200,000 for period 2025-12-31 from SEC XBRL Assets (accession 0000033185-26-000044) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
piotroski input cfo 2025-12-31 = 1,615,700,000 for period 2025-12-31 from SEC XBRL NetCashProvidedByUsedInOperatingActivities (accession 0000033185-26-000010) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
piotroski input total_assets 2024-12-31 = 11,759,400,000 for period 2024-12-31 from SEC XBRL Assets (accession 0000033185-26-000010) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
piotroski input lt_debt 2025-12-31 = 4,055,300,000 for period 2025-12-31 from SEC XBRL LongTermDebtNoncurrent (accession 0000033185-26-000044) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
piotroski input lt_debt 2024-12-31 = 4,322,800,000 for period 2024-12-31 from SEC XBRL LongTermDebtNoncurrent (accession 0000033185-26-000010) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
piotroski input current_assets 2025-12-31 = 1,412,200,000 for period 2025-12-31 from SEC XBRL AssetsCurrent (accession 0000033185-26-000044) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
piotroski input current_assets 2024-12-31 = 1,360,600,000 for period 2024-12-31 from SEC XBRL AssetsCurrent (accession 0000033185-26-000010) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
piotroski input current_liabilities 2025-12-31 = 2,335,400,000 for period 2025-12-31 from SEC XBRL LiabilitiesCurrent (accession 0000033185-26-000044) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
piotroski input current_liabilities 2024-12-31 = 1,811,500,000 for period 2024-12-31 from SEC XBRL LiabilitiesCurrent (accession 0000033185-26-000010) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
piotroski input shares_out 2026-10-09 = 117,017,174 for period 2026-10-09 from SEC XBRL EntityCommonStockSharesOutstanding (accession 0000033185-26-000044) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
piotroski input shares_out 2025-10-10 = 122,394,037 for period 2025-10-10 from SEC XBRL EntityCommonStockSharesOutstanding (accession 0000033185-25-000064) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
piotroski input operating_income 2025-12-31 = 1,095,200,000 for period 2025-12-31 from SEC XBRL OperatingIncomeLoss (accession 0000033185-26-000010) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
piotroski input operating_income 2024-12-31 = 1,042,100,000 for period 2024-12-31 from SEC XBRL OperatingIncomeLoss (accession 0000033185-26-000010) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
piotroski input revenue 2025-12-31 = 6,074,500,000 for period 2025-12-31 from SEC XBRL RevenueFromContractWithCustomerExcludingAssessedTax (accession 0000033185-26-000010) is marked unverified; no second-source value is stored for it. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
Price in the record is 175.57 as of 2026-10-21 from Alpaca Market Data (consolidated SIP daily bar); no Yahoo cross-fetch was made today. [Alpaca market data docs](https://docs.alpaca.markets/docs/historical-stock-data-1)
Mismatch rows written in this section: 0. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)

## 7. Agent log

2026-10-22 06:14 CEST: fetched the EDGAR submissions JSON; SEC fetches for this ticker used the pipeline's declared SEC user agent from stockgrid/http.py at 0.15 s spacing. [EDGAR submissions](https://data.sec.gov/submissions/CIK0000033185.json)
Latest 10-K on file: filed 2026-02-19, period 2025-12-31, accession 0000033185-26-000010; section 1 and the 10-K lines of section 2 were written today from this document. [10-K](https://www.sec.gov/Archives/edgar/data/33185/000003318526000010/efx-20251231.htm)
Fetched every 8-K primary document filed 2026-04-25 to 2026-10-22 (5 filings) and read the item text. [EDGAR 8-K list](https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=0000033185&type=8-K)
Fetched and parsed the Form 4 XML documents filed 2025-10-22 to 2026-10-22 (55 documents), including footnotes and the aff10b5One element. [EDGAR Form 4 list](https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=0000033185&type=4)
Fetched XBRL companyfacts for the balance-sheet figures in section 2. [XBRL companyfacts](https://data.sec.gov/api/xbrl/companyfacts/CIK0000033185.json)
Read the stock record for sections 3, 5 and 6. [site/s/EFX.json](https://theclaudetrader.com/s/EFX.json)
No SEC document in this dossier's fetch list remained unreachable. [EDGAR submissions](https://data.sec.gov/submissions/CIK0000033185.json)
Not reached: 8-K exhibits (press releases), 10-Q text beyond XBRL facts, proxy statement, Form 144 notices and a fresh Yahoo fetch. [EDGAR submissions](https://data.sec.gov/submissions/CIK0000033185.json)